Elisha came recommended by my sister-in-law for refinancing our home. We compared rates with a few…read moreof the bigger lenders and Elisha came in very close to what they quoted, and we preferred to work with someone in person vs. long distance. She made the whole process painless and smooth. She even made copies of all our required paperwork so I didn't have to fight with our scanner or wait in line at Staples with the kids. She took the time to explain the whole process to us, there were no hidden fees or last minute surprises, and she was available through text/email/phone readily. We've been wanting to refinance for a while now but kept putting it off due to the imagined headaches and work we thought it would take, I wish we would have known how simple and easy Elisha would make it and we would have done it a long time ago!

Look no further, Simple Lending & Realty is your premier restate experts on the central coast. Both…read moreladies there are phenomenal. I had the pleasure of working with Yessi. If you looked up perfect experience in the dictionary you should find Yessi next to perfection. Yessi worked diligently on closing with my first home, and I couldn't be any happier. I was so pleased with Simple Lending & Realty and Yessi that I was able to purchased an investment property through their services again. I highly recommend their services. I will consider them in the future

If you are looking for someone that will take one of the most complicated things you will ever do…read more(buying a home) and make it so incredibly simple, go see Zoe. We were first-time homebuyers in a new city and were frightened by the process. From the very first meeting, Zoe made us feel right at home. Everything from the application to close of escrow was handled with extreme professionalism. Her knowledge and experience helped us buy our dream home and we can't thank her enough. This will not be the last time we use Zoe and Envoy Mortgage. Thank you!!!

A great big shout out to Zoe Raithel, branch manager & senior loan officer at Envoy for supplying…read moreour Rotary golfer goody bags with a sleeve of golf balls! It's been a long time since a business has stepped up and provided the golf balls. Mostly because it's not cheap to stock up 100 bags. The event raises money for Paso Robles kid programs and we couldn't provide a quality product were it not for business's like Zoe and Envoy! Thank you so much. In addition, Zoe is one of the best at her craft when it come to mortgage loans and making it happen. Girl puts her head down and gets it done.

We have had several homes which KD Capital Mortgage financed or refinanced for us. Kim Rivas and…read moreMonica Stephenson have always worked so hard and obtained great rates for us. We highly recommend them as the best mortgage company in town.

Our experience with KD Capital was outstanding, memorable, and 100% positive. Kim Rivas is an…read moreexpert in her field and leads an excellent team of professionals. Monica Stephenson her assistant provided top rate service, support, and peace of mind during a significantly meaningful time for us. We were given frequent updates, insights, and supportive and patient answers to all our questions. New to both the area and the home buying process, we were incredibly fortunate and blessed to have KD Capital on our side. KD Capital was dedicated and committed to our success - we know this because of how they made us feel during every interaction or conversation. We now own a beautiful house just within 30 days of our touring the very same house we wanted at first sight - and one day earlier than the estimated closing date. We are incredibly grateful for this beautiful house, and it was KD Capital who made sure we crossed the finish line!

Christa is what I would describe as above and beyond professional. She came to my lending company…read moreafter another lender had left her and her borrower in the lurch. Time was running out. The borrower was about to lose the property. It was already in escrow but the other lender ate up a lot of the time. We worked together like a well oiled machine. If we asked for something it was in our hands within 10 minutes. She answered every phone call, every text and every email in record time. We were able to get the deal done with hours to spare thanks to her diligence. I highly recommend.

We just closed on our new home last week, and I cannot express enough how happy we are with…read moreChrista. First, she really knows her stuff. There was very little she didn't have right off her fingertips. Two: She ended up getting us better terms, more credits, and everything, even when we hit a small bump in the road. Everything was perfect and we closed right on time. My wife and I are thrilled to no end. If we ever need another home loan, we will only make one call.

I qualified for a loan with a 850 credit score as a single Mom in 2012, I trusted Tyson but he…read moresold me a predatory loan after a 30 day credit check. I finally confronted him over a decade or more later to explain how his deliberate actions affected my family and he was a salesman and wouldn't even talk to me about it. I was hoping he would respond as a local businessman who truly cared about his clients but unfortunately that is not how he responded. I trusted him and he took advantage of me and my family and chose money and the deal before his clients.

We have known Tyson for some time and he is serious about helping you with your mortgage or…read morerefinancing. He is so knowledgeable about what loans are right for you and your needs. He gets to know you and effectively works on getting you the best deal, the best rates and financing you can afford!

Unable to open a new membership account waited over a week no one can solve the issue worst banking…read morepractices I've ever seen. I would not trust them with my hard earned money steer away. Many other trustworthy credit unions to go to do your research and check customer experiences before considering business with CoastHills Credit Union

We belong to a credit Union located in LA and we had to make a large cash deposit immediately. We…read morefound out that we can do almost all our banking needs through this credit Union as it accepts other cr. Union member's transactions.

Simply amazing! John was the best. We were trying to get a loan for our home and we had very…read moreunusual circumstances. John worked hard after hours and even over the weekend. He pulled every string imaginable and he got us the loan and now we are in our new home! I can't think of anyone else who I'd recommend other than John Samsky. Thank you so much! Also, a pretty cool guy.

In the midst of the Covid-19 pandemic, my wife and I looked into buying a new home. Not because we…read morewere financially sound or because Mars was in Gatorade or whatever. Simply because it was in our best interest to move from the property we were at. We consulted a local realtor who had us call John Samski III at KD Capital. Now, I always admire someone who picks up the phone the first time you call them. That's what John did. From the start he was very informative and knowledgeable of all the loan products that were available to us. He walked us through the process, which was new to both my wife and I, and always took the time to explain what everything meant. We had a particularly long escrow which was nerve-racking. But John kept us abreast of everything that was going on and was patient and accommodating. John is as competent as they come and should be the standard by which all others are measured. The other day my wife and I were hanging out and out of nowhere she says..."Dang, I kinda miss John Samsky and his daily phone calls..." That's an impression not many make!

Mr. Austin assured us in our initial consultation that our loan, while a bit tricky, should be able…read moreto be completed in 6 weeks. From the time we turned our loan docs in to the time we got so disgusted with his lack of communication and empty promises when he did bother to respond was 5 MONTHS. We went to another local loan broker, KD Capital, and had our loan finalized in about 10 days. I would never recommend Mr. Austin to anyone looking for a loan. Ask Realtors and Title Company Escrow Officers about him if you don't want to take this at face value.

When we were looking to buy our first home we wanted to make sure we had a low payment. We had…read moreheard of horror story's on some of our friends loans. We asked around if any one new a great mortgage broker. More than a handful of people kept bringing up the name Chris Austin. We gave him a call and he had us approved with a low interest rate we couldn't believe. Chris made everything so easy. He had us wait till the rates would drop and then locked it in. We will recommend him to whoever asks us if we know a good loan guy. Thanks Chris, for everything.