AMAZING AND SMOOTH PROCESS....Special thanks to Larry Reyes and his team for helping me get through…read morethis roller coaster off a process! I am thankful for all their help and knowledge and getting me into my dream condo! I definitely recommend them for your next home purchase! Very helpful and knowledgeable got me in at a great rate!

We paid our account off about a month ago. We were told this company did not receive the pay off…read morecheck for FULL amount due. We sent a second check to pay the account off. One of the checks should have been return but NO it was not, only PART of the money was returned to our bank account. I would NOT recommend this terrible company to anyone! If I could give a "0", I would have.

I don't know where to begin to say how great Ruben Lopez has been in obtaining our re-fi. We tried…read moreat least 4 other times & were always denied. Ruben manages to use creative ways that no one else does nor do they want to take the time. As complicated as our situation was, Ruben made the process painless and easy. We had so much confidence & trust in him we really felt it would happen & it did! He has saved us hundreds of dollars a month with the new loan.

I can't say enough positive things about Draper & Kramer. Ruben and his team did an amazing job…read moregetting my house refinanced with their attention to detail, professionalism and years of experience. They really got the job done! I would recommend using Ruben and his team to anyone. Thanks so much guys!!!

We had an exceptional experience working with David on our home loan. As first-time (and family…read morepurchase) home buyers David was invaluable. From the very beginning, he was extremely informative, patient, and thorough, making sure we understood every step of the process. What really set David apart was how proactive and dedicated he was--he went as far as calling the county assessor and working tirelessly to help us navigate Prop 19, which made a huge difference for our family. His knowledge, communication, and willingness to go the extra mile gave us total confidence throughout what could have been a stressful process. We truly felt supported and well taken care of the entire way through. I would highly recommend David to anyone looking for a trustworthy, hardworking, and outstanding loan officer.

David was extremely helpful with both my initial home purchase and home refinance. He had…read moreconsistent communication and anticipated many of my questions as we went through both processes. He thought through the best options for me and my situation, making everything as stress-free as possible. He is enthusiastic about his work, and deservedly so; he's good at what he does!

Jon McCuskey is quick to answer your call. As a first time home buyer, I didn't' know what I was…read moredoing. He explained things in simple terms, and helped my wife Dora and 9 kids find the home of our dreams. I would recommend Jon to anyone looking to buy a home. I would give him 6 out of 5 stars.

We moved from New Jersey and bought a home in Santa Barbara recently. Our financial situation was…read morecomplicated and most banks could not give us a reasonable mortgage if they could give us one at all. A popular local boutique mortgage company offered us a "conventional " 30 year mortgage with 25% down payment and what sounded like a slightly higher interest rate than the going rate. It turned out that our monthly payment would be the same as the standard mortgage rate but we would have paid over 125K more upfront. Jon gave us a real conventional mortgage and saved us more than the 125k in the upfront payment with same monthly payment. We also had an extremely short deadline to close,which Jon made easily Jon is extremely patient ,professional, responsive and effective. After interviewing about 10 other lenders we can safely say that Jon is the best lender . We highly recommend Jon! for anyone who wants the best mortgage !

100% Greg at America Pacific Mortgage is outstanding. He's knowledgeable, responsive, and truly…read morecommitted to helping his clients succeed. The entire process was smooth and stress-free thanks to his expertise. Highly recommend him !!!!

I've done 3 different major financings with Greg now, my first home purchase, my refinance and now…read moremy second home purchase. Greg has been incredible to work with across all these transactions. He is masterful in being efficient yet making sure I've got enough understanding through the process. Through each of our transactions he went above and beyond to make sure things went through without a hitch.

It has been a true pleasure working with Elvin recently. He is incredibly giving of his time,…read morepatiently answering all of my huge number of questions, and he always gets right back to me. And after wrapping up the loan process - which he was so knowledgeable and helpful with - he has been an incredible resource for us on who to call for various renovation projects we want to get started on our new home.

Elvin was beyond helpful. Not only did he help me land the best rate (and i spoke with multiple…read morebrokers), but was helpful every step of the way. As a first time homeowner he went above and beyond and I could not be more grateful.

I have been investigating and researching a variety of mortgages over the past few months (FHA,…read moreHELO & HELOC, and HECM) because it has taken that long to answer my questions, get a general idea of costs and what's involved, and to interview people that I feel I can trust with my home and personal info. I wish I could say that it could have gone easier but it has actually been the AGENTS who made this process so painful along with misleading online claims about these various loans and what's involved. Let's just say that my interaction(s) (thankfully, I only had 2 with this guy) were less than professional. All "first phone calls" seem to be exactly the same....it's a positive, upbeat interaction that tricks you into thinking they WANT your business until it goes further and my first call back was exactly like other brokers I spoke to. That's what I cal the "over promise and under deliver" technique, people like this just chat you up then it's the luck of the draw if they ever get back to you. Carlos did call back once and spoke very briefly with me, and I sorta got the idea he was actually doing something with our loan but no....(!) that wasn't what happened. They want to keep you on hold while they shop for a better (or perhaps easier) customer or loan it seems. Luckily I have zero trust for anyone in real estate so when a local realtor sent someone to answer some questions, it was THAT broker we went with. I decided NOT to call Carlos to tell him that we had changed (I tested him to see if he'd call) but I really didn't need to since he never contacted me again after claiming he would follow up soon. In my case it became urgent as far as needing a loan since so many people had wasted my precious time by pretending to actually be interested (or knowledgeable) when they aren't. The sad thing is....you have to keep "interviewing" brokers to find a good fit, I suggest that everyone do this since many (like this guy) only care about HIGH commisions or the ability to do a loan blindfolded (not into circus tricks, myself) and it seems that most have forgotten WHO the customer is, they do what's comfortable for THEM. No thanks! Those people are a 'dime a dozen' as my dad used to say....so tread carefully when seeking out a loan. Since I'm a blogger, I plan to write about this whole hideous nightmare for local news (I've done writing for the VC Reporter, VC Star, and Ojai Valley News) as a warning for others....it's a minefield out there! My loan is now in process thanks to someone who actually cares and is authentic, and it was very different from the beginning (no schmoozing, more like "let's get to work!") so you may want to look for the same when looking for a loan. Don't take anything for granted, many are simply great BS artists so if you're at risk of losing your home, don't waste time....you could end up with a terrible outcome as we almost did.

Carlos and his team just completed our reverse mortgage and we cannot say enough about this…read moreoutstanding company. Every aspect of this complex transaction was handled in the most professional, efficient, and helpful manner. The personal attention we received from Carlos and Kristen was amazing. Carlos even came to our home to complete the necessary paperwork. He was always available for questions and we never had to wait for answers - either in person, phone, or via email/text. Carlos explained every aspect of the reverse mortgage in detail, with personable, understandable explanations. The friendly, courteous manner that everything was handled was superb. Without reservation, my husband and I wholeheartedly recommend Carlos and Open Mortgage to anyone looking to do a reverse mortgage.

Craig has helped us obtain mortgage loans on two occasions already. He always looked for different…read moreoptions to find the right product that suited our needs. Throughout both times, Craig has followed through each step of the way to make sure we understood the process and the documents sent, tirelessly explaining all of the details and what should be expected. His professional dedication is well appreciated and hard to find. Working with him twice speaks to our trust in his exemplary service.

Craig makes it look easy. With his experience and professionalism, he helped us find the right…read moreproduct and terms for our situation. We thought we knew what we wanted, but we were wrong.. and Craig knew instantly. We got fantastic terms and great financial advice!