It has taken me far too long to write this stellar review of CS Financial--but specifically, Scott Sealey. I truly cannot say enough good things about Scott, and would recommend him without reservation. This man goes above and beyond, consistently, and worked absolute miracles for us. We initially were working with a mortgage broker who was great, but sadly unable to get us a loan due to some litigation going on with the property we were purchasing. He referred us to Scott, and Scott took the ball and ran with it. At that point, we were literally 2 weeks from closing... we knew (and even Scott said) there was no way we could close on time. He promised to do the best he could and we were looking at hopefully only a small delay (1 week), pushing as much as possible. Well you know what? We closed ON TIME. How Scott did this is still beyond me, so I can't tell you to expect the same if you're in our shoes. I also know we were very responsive in giving him what he needed, but truly I think all the credit goes to Scott himself. He made this happen for us and we could not be more grateful. Not only did CS Financial give us a loan we weren't sure we could get, Scott made it happen in record time. I could go on and on about Scott and how amazing I find him, but words can't do justice to how amazing he is. The best thing I can say is you should shoot him an email or call CS Financial and talk to him for 2 minutes. You'll see exactly what I mean! Five stars is not enough to describe what Scott did for us. I will leave you with a few key points to consider. 1- Accessibility. Scott literally was available any time we needed him. He had a very quick response time via email (or phone!), and no question was too small. He even replied to us when out of state on vacation! He thoroughly explained every part of the process, answered every single question, and did so with enthusiasm and passion for his work. You just do not find people like this. He does his job, goes above and beyond, and is excellent at what he does. 2- Friendliness. Truly, there are not many negatives to escrow closing. It's a great high, and feels incredible. The downside? No more daily emails with Scott. He made my day with his emails I don't know how many times. Even when I was freaking out (it was our first home and we had a few bumps in the road, to say the least), he was able to calm me down by explaining the process, options, and likely outcome. 3- Straight up GOOD AT HIS JOB. I know I've mentioned this before, but it always feels to me like I end up doing other people's jobs better than they do. This was the polar opposite for Scott. He immediately earned our trust with his open communication and clear knowledge about mortgage processes. He took care of every single thing, told us exactly what he needed, and I never felt the need to second guess or do it myself (which is very rare for me). 4- Nothing sketchy. I have heard absolute horror stories from friends about getting ripped off, hidden fees, etc etc. We honestly had NONE of this. Our estimate was exactly what the actual cost was and there was no funny business what-so-ever. I can't thank Scott enough for making this happen, in that crazy tight timeline, to get us in our dream house. No review could be glowing enough, but hopefully this is a good start. Thank you Scott!!!! read more

Cort Wagner is excellent and will provide content and honest financial services to individuals seeking professional assistance with either investments or other related issues. read more

I am purchasing my first condo and was referred to Cort Wagner at CS Financial for my home loan. I left him a message and he promptly returned my phone call. Since I am a first time buyer, I had a ZILLION questions and he helped me better understand the mortgage process and clarified all the legal disclosures. He gave me numerous loan options without having to commit hours of precious time to searching and browsing on my own. Cort also has access to a greater range of mortgage options for better service. He was highly professional and had the amazing ability to negotiate with lenders on my behalf to get me the best loan option and keep my monthly payments affordable. He has a great support team and being that he has been in this business for over 20 years, I HIGHLY recommend him to anyone searching for the best loan options, whether to purchase or refinance. read more

I can't speak about anyone else who works here as we only used Jay Bridges but our experience was not good. In all fairness I don't blame him for not getting us a refi as we were a pretty tough case, but his "bedside manner" if you will (during the YEAR we dealt with him) was poor. Briefly, It was incredibly difficult to reach him - many calls went completely unanswered, or would be returned with a text. Texts? From my mortgage banker? I think that is weird. I often had to beg him to call us back when we needed timely info from him or to get info somewhere quickly. Files got buried and forgotten about, I got texts citing "personal issues" as to why he was not available during work hours. He promised to BCC us on status updates then would fail to and when we asked about it would blame our situation and not address his lack of communication. He assured us over and over that he could get our refi as the months dragged on and then when we were turned down by the last bank he paired us up with, it was radio silence - no notification from him. I only found out because I got a letter from the loan company, then he emailed a 2 sentence note about a week afterward letting us know we could reprocess when our circumstances changed. That was it. Class. Dealing with home loans is incredibly stressful, especially if you aren't a slam dunk case. Now we are in a better position to get a refi, I'll be looking for someone who is available, professional, and has good communication skills. I won't be back to Jay at CS Financial. read more

Scott Sealey at CS Financial is a mortgage superstar. He took us through the entire process, soup to nuts, in just a spectacular fashion. This was our first home, and of course we were like deer in headlights. We had so many basic questions, and Scott fielded them all. He was also able to quickly narrow down the best financing options, and get us the best rate on our mortgage - I ended up calling a bunch of banks early in the process to see if I can get a better rate, but it was all a waste of time. They didn't even come close to what Scott had been able to find. Scott is also available at really odd hours - he answered emails at 11PM. I'm not sure he ever sleeps. He's incredibly knowledgeable and incredibly calm and optimistic, which is exactly what's required in the 1-month+ process of buying a home. There were multiple times that we were just bugging out, and Scott walked us off the ledge like a pro. He also has incredible relationships with the underwriters, so we were able to sign our loan docs on a Wednesday, and have our loan funded the next day. Overall, without Scott, we'd probably never end up getting our home because of the heart attacks that would have killed us without Scott diffusing various stressful situations and keeping us on an even keel. read more

I love working with Scott Sealey with CS Financial. I was introduced to him as another agent was using him on one of my deals. I was so impressed with his high touch service and communication, I decided to use him on another deal and then another deal. I really could not be more impressed with his skill level and I am very impressed with the speed that CS Financial is approving loans for me. Their rates are excellent and Scott has overcome some big obstacles in the deals that other lenders could not get passed. On the last two deals, his average start to approval time was 10 days! Way to go Scott Sealey and CS Financial!!! I am looking forward to using you on more files. PS. My assistant, the other agent and my escrow office have the same opinion of Scott and CS Financial. We all love him! read more

Stay away! We actually had to switch in the middle of Escrow!! Thank God we are experienced home buyers! Patrick McKenna is extremely unprofessional and has minimal to no knowledge ! In our case we almost lost the house because of him and this was a multi million dollar property that he was gonna make a ton of money on!!! In my opinion Patrick McKenna may be an ok teller in a bank one day but mortgage broker?!! Ha ha! May be there are other more capable people at CS financial but Patrick McKenna is not it! read more

I wish there was a zero star option. I am in escrow to purchase a new home. I was referred to Brandon Richman at CS Financial by Red Real Estate. I called Brandon for a quote to compare with my lender. He was very eager to gain the business and pulled a "bait-and-switch" with the rates and fees. I was uncomfortable with the way he does business, so I informed him that I would not do business with his company. He called FHA before my other lender could, which put a lock on my case. He told me what my case number was at that time. As a result, when my lender called to set up an appraisal, FHA told they couldn't talk to them because they will only deal with one lender at a time. I requested at the exact time I told him I would not do business with him to release my case to my lender. The following week, my lender is still unable to proceed because CS Financial has not released the case. Brandon claimed it was because I did not give him the case number when I requested CS Financial release the case. HE was the one that gave the case number to ME. He had it all along and was just being difficult because he didn't get the business. I don't recommend doing business with this company. They "bait-and-switch" to get the business, and they result to sour grapes tactics if it doesn't work out. There are plenty of honorable companies out there. Don't use them. read more

CS Financial is amazing! And Brandon is brilliant!! I am a real estate investor and I have purchased several properties with CS Financial's backing. In many cases, the financing turned out to be difficult and tricky, but I was amazed at their creativity. These people are really smart and experts in their field. Without their guidance I would have lost out on some amazing opportunities. Brandon is so helpful and really puts in the time and effort to understand my situation and get me the best deal. I really wish there are more honest and hardworking people like him. I have dealt with many big banks in the past, but CS Financial competes on all levels. I now do all my business with CS Financial. read more

I recently bought my first house, and needed a lot of help and guidance in the process. Brandon Richman and the CS financial team made it easy and quick (well, as quick as these things can be). Towards the end of escrow there was a brief scramble to make sure it closed on time (through no fault of CS Financial), and they were extremely accommodating and helpful to me in achieving the goal, and we did close on time! Fast forward 11 months, and Brandon is now helping me go through a no-cost refinance which will allow me to drop my rate substantially. He initiated the process of his own volition and once again has made it very easy for me to save money. I am glad to have Brandon on my team. read more

Brandon Richman, a mortgage broker at CS Financial, handled the loan for the condo my wife and I bought in Hollywood in June 2009. If you recall, this was an era when getting a loan was exceedingly tough because of the mortgage meltdown. This was the first home purchase my wife and I had ever done (we weren't married at the time, but were engaged) and we were quite nervous. We were intimidated by the process and concerned that we would lose out on our dream home -- a cool courtyard-facing unit in a small, historic Hollywood building. Brandon was the consummate professional, explaining the process to us so that we understood what were getting ourselves into. We locked in a great rate -- something like 4.75 percent with no points -- and closed the deal with Met Life on a very short timetable. Even when the lender requested extra documentation late in the process (if I recall, just a day or two before the deal was supposed to fund), Brandon kept a level head and put us at ease. It was important to close the deal then and not start over, because had we lost our locked-in rate, we may not have been able to afford the monthly payments at the new rates, which had just adjusted up. We closed the deal with a few days to spare -- the whole process took a little more than a month, which I understand to be a very compressed schedule. All in all, without Brandon and CS Financial, I am not sure we'd be living in the home we now love. I am a customer for life. read more

My wife and I just successfully purchased our first home and, quite simply, could not have done it without the guidance and expertise of Brandon Richman at CS Financial. As first-time home buyers, at first we were incredibly intimidated by the loan approval and purchasing process. Brandon took the time to answer all of our (many) questions, providing lots of options based on various rates, down payments, etc. He was incredibly responsive, often returning e-mails and calls within the hour. When we got down to the wire and needed to fund quickly, Brandon was completely on top of getting the necessary documentation processed and communicating among our realtor, the seller, the title company, etc. Since we were purchasing a bank-owned repossession, there were a bunch of extra hoops that Brandon helped us navigate. By the end, he had stepped up to the role of "traffic cop," making sure all sides were doing what they needed to do and meeting the various compliance requirements. We got a great rate, funded on-time, and are now proud homeowners thanks to Brandon. We plan to renovate and refinance, and you better believe we'll be back in his office for round two. read more

My husband and I refinanced our house with another broker about a year and a half ago so we thought we knew what the process was going to be like when we started with Brandon. To our surprise it was 10 times faster and easier than we had expected! Brandon was a complete professional the entire way through and did an amazing job of keeping us in the loop and ensuring we got the best possible rate fast. He was on top of everything from day one. We could not be happier with the experience and we are loving our new low payments that started on Feb 2, 2012! I would strongly recommend Brandon to my family and friends. We know we will use Brandon again in the future on any refinance or new home purchases. THANK YOU BRANDON! read more

Brandon Richman at CS Financial just saved me so much money!!! We have been trying to refinance our home for 3 years. After countless financial institutions had turned us down I was referred to Brandon. Our financials are very complicated and frustrating for others. But Brandon stayed on course and with his hard work and many hours dedicated to our cause we finally got approved to refinance our home!! Thank you Brandon for saving us a ton of money!! read more

As a Realtor, I have worked with many lenders over the last 20 years. CS has really proven itself since I have been sending some buyers to them, A client that I was working with to buy a commercial property, had a pre-approved cash-out refinance of their home with one of the big banks, so they could have a down payment for their commercial purchase. Our deal was delayed significantly as we continued to get delay after delay from the lender. Finally, we took the loan to CS, who from application to funding did the deal in 8 days! This saved the purchase they were doing. CS did a similarly great job on a purchase loan for a condo that had some HOA issues - even the listing agent was suggesting all-cash buyers only. My client was able to get her condo financed with no hassles at all. Definitely the right lender for these tough lending times! read more

Brandon Richman devoted nearly two years helping me with one particular client who bought a beautiful place in WeHo, and I am happy to report with Brandon's hard work we made the deal. Even after hitting an appraisal snag which can mean deal killer, Brandon spearheaded an appeal while simultaneously securing a second appraisal and getting the loan. We closed virtually on time and most importantly everyone is happy. All thumbs up (I have three). read more

Scott Sealey is amazing! Loved working with him. He made us feel like we were his only client!

I have used Scott Sealey on multiple transactions and have always found him to be excellent. He truly goes above and beyond to get the job done. I have always been able to reach him - even early in the morning, evenings and on weekends. He is extremely dedicated to his job and making his clients happy. Scott is very professional and has a wonderful way of putting people at ease during the loan process. Scott makes you feel like you are his number one client. I always highly recommend Scott to my friends and family for their mortgage needs. As a matter of fact - many of them have used him not just once - but several times for new purchases or refinances. read more

CS Financial and Brandon Richman got me a great deal on my refi in the most difficult time to get a refi. He made it easy and made sure to fight for me to get the best rate, and the lowest fee's. Highly recommend working with Brandon and CS Financial to anybody. read more

Scott Sealey is really great to work with. He is SUPER responsive, and always kept me up-to-date (even on Saturday afternoons). I felt like his advise was solid on a new loan, and he locked me in at the best time possible. After 6 months, the rates were 1/2 lower, and he was able to get me a re-fi at almost no cost (all closing costs waived!). Super great service! Can't really beat it. Very upbeat, friendly, and helpful. I'm sure you can shop around for lower rates, but with hidden fees and horror stories I've heard about from family and friends being jerked around, CS is a good bet. Very happy with my results (and that is pretty rare to say about your loan experience!) read more

We worked with Scott Sealey and he was fantastic. He helped us get a home loan at a great rate and even guided us through removing a credit snafu so we could secure the best rate. Scott will go above and beyond to help you out. read more

We loved working with the team at CS Financial. We worked with them on our home purchase and our re-fi. Scott Sealy is the best!

I have been in escrow for about 12 years and I work with a lot of lenders on a lot of deals. I am always happy to see Scott Sealey's name on any deal that I have as he just flat out makes it happen. Every deal that I have with him is always ahead of the curve and he makes the loan process smooth and efficient for everyone involved. I know the borrowers we have worked with share the same feeling. Thanks for making my job easier and for being such a true professional. read more

We just closed escrow, and Brandon from CS Financial was nothing but helpful. He is very responsive, organized, and informed. I had tons of questions, and he was constantly happy to answer them, patient, and pleasant to work with. There were some potential obstacles that had us nervous in securing a loan, and he was very honest and proactive in getting everything handled as best he could. I would definitely send someone his way. read more

We've bought Brandon was by far the best broker we've ever used. This is my fourth house so I shopped around considerably before deciding to go with Brandon. We had a jumbo loan on a large house. He matched the best offer on the rate, got us a 60 day rate lock and made the entire process smooth and simple. I'd recommend him to every one. read more

Cort Wagner has been a trusted business partner for more than 4 years. I work at one of the big banks, and for one reason or another, we can't always lend to our own clients. Running a boutique high end wealth management team, we have to be very sensitive as to where we send our clients. For the better part of four years, we have been referring business to Cort Wagner and CS Financial. Our clients have never complained and so the referrals continue. read more

We are amazed at the number of negative Yelp reviews...there is one person to call at CS Financial...Scott Sealey! He is a PLEASURE to deal with, on every level. He got our loan at lightning speed and with the minimum of effort on our part...he is constantly available...send him an email and he returns it immediately. No question is too minor. No request too hard. He is just a lovely guy who supported us in the process from start to finish. A true professional. Thank you, Scott! read more

Scott Sealey is the Undisputed Heavyweight Champion of the mortgage world. As first time home buyers, our experience with him was nothing short of spectacular. Every single one of our 3,487 questions answered with ease, and my god if he wasn't always MORE than happy to help. Heck, I want to start the re-fi process already just so I can continue working with him... He's that good. read more

Brandon has refinanced my mortgage on my duplex about 8 years ago at a great rate and efficiently. Great experience. And in March of 2012, I needed a loan within 35 days to purchase another home. I was referred to other brokers but none were willing to do it within given time. When I called Brandon, he was eager, pleasant, and delivered my loan within 35 days. I had just started my own business 6 months prior, and with less than 2 years of work history, no broker wanted to deal with me. But Brandon not only delivered, he was very pleasant to work with. Now I'm working with Brandon again to refinance at a lower rate. Keep it up Brandon! read more

Need money for a loan? Need to buy a house? Do you know what you are doing? Is it all new to you? Or do want to find someone better than your last loan broker? Because look no further........ Brandon Richman is your man! I was a first time home buyer. Instead of someone telling me how much money I would get and what my rates were, Brandon LISTENED to what I wanted to do....... I told him the house I wanted to buy, what I wanted to put down and what I wanted to keep in cash reserves....... and Brandon made it happen ----- at an incredibly low interest rate. And he explained every step of the way........ And I KNOW he got me a good deal because I compared it to my friends' deals and he ROCKED IT. Stop your search now. Give him a call. read more

Scott Sealey with CS Financial is AWSOME!!. He gest the job done and goes beyond what one might expect. Scott has done several deals for us and I would not consider using anyone else. Great communicator, with great follow through. He is definitely the one to use if you need a job done on time and efficiently. read more

I was referred to Scott after the mortgage broker I was working with at Wells Fargo turned out to be a complete nightmare-- didn't return calls, gave false information, almost caused us to lose a house-- and we switched to Scott and he instantly made our incredibly!!! difficult probate case seem (almost) easy! He works tirelessly (seriously, you don't need to return multiple emails on your vacation!)- he's like the energizer bunny when it comes to dedication and enthusiasm, responds quickly, and explained my 10000 questions clearly and in layman's terms. He showed me several options for us, and always explained the pros and cons of each. He dealt with the seller's (practically) incompetent title and escrow companies with professionalism, but got them to get it together so that the entire thing wouldn't completely fall apart after 6 long months of working on it. And it worked! Thank you Scott! Home-saver! We can't wait to move in... read more