I just completed a refinance with Dave after he was recommended by several neighbors. Purchased a…read morecondo in 2017 and had to initially go with the lender that was recommended by the builder. I was paying PMI, which would be required for a few more years. Dave was able to help me with a refinance and the process only took 2 weeks. He got rid of the PMI. As a result, monthly payment has decreased saving me thousands in the long run.

Dave LaRose was friendly and easy to work with. Dave was very informative, patient, and responsive…read morethroughout the entire transaction. His experience and thoroughness helped remove PMI and lower interest rate.

I am a Realtor and have worked with several loan officers over the years. I met Tim about 3 years…read moreago and have only worked with him since. He is a fantastic and knowledgeable loan officer and branch manager. I always work with Tim because he is very thorough, great with clients and always give clients several different options for multiple loan programs. Another great reason to work with Tim is he always answers his phone, loves what he does for a living and is there to answer any questions you have. All of the loans we have worked together on have closed on time or early and with no issues. I highly recommend Tim Austin if you are a Realtor, a potential home buyer or need to refinance, you will not be disappointed!

I worked with Tim twice. The first time was that I bought a house in San Diego where he assisted…read morewith the mortgage stuffs, the second was that I did the refinance to my house. My house mortgage case was very complicated, because I was an international buyer who required my family oversea to prove my ability to pay the mortgage. Things like translating between two different languages and dealing with banks in two different national systems were really convoluted. Yet Tim and I successfully worked through many barriers and finally came to close the deal. He showed his effectiveness, energy, and profession. Tim is very responsible. He was proud of being able to close the clients' deals in 21 days (most agents do 30 days), but because of my mistakes he was not able to make this goal. But he took the responsibility and used his money to cover some of the expenses on the closure. (I decided not to use that money). And yet, we made it in 27 days, which is really an accomplishment. Tim has the ability to find best deals. In the second, refinance case, the mortgage interest rate he gave me was much higher than that given by other banks. But it was an excellent deal for two reasons. Firstly I didn't pay anything for the deal closing except for $250 for some escrow service, and secondly I got a ~$8000 refund from various terms. The deal was exceptionally great

Fast, professional and really worked hard to get us phenomenal rate. Ive used him multiple times…read morenow.

We've known Steven for over 20 years. He helped us buy our first house just before we got married…read moreand our second, forever home 17 years later. What we love about Steven is that he takes the time to answer ALL of our questions. He listens, he is patient, and he is knowledgeable. He will also gently let you know if he thinks something is not the best option for you even if you can't see that right away. By the way, he was always right. He always tries to make as many options available to you, lays all the information on the table, gives his thoughts and advice of each option, and then allows you to make the best decision for you and your family. Once your decision is made, he supports you 100%. He is honest, he takes time with you to help weed through and weigh the pros and cons with these options, and he will support you in every way possible in making your housing and/or financial decisions.

Thanks to John Gillis and Steve Chizmadia for bringing me out of Yelp semi-retirement to let those…read moreout there know what to expect if they are considering having ACHL handle their home loan. As a neophyte to the refinance process I was recommended to American Capital Home Loans by a friend and I dove right in to get a great deal for my home refinance completed in an expeditious manner. I was encouraged to opt for a VA loan for which I didn't know that I even qualified for since I was a reservist (as it turns out I do qualify...no thanks to them though). It was a good interest rate for the time and my financial advisor with Merrill even indicated he couldn't match the terms, so I didn't shop it around any more. Initially things were progressing after we provided the herculean amount of financial documentation required to complete a loan these days, but then we ran into the snag of questions regarding my ability to qualify for the VA loan. Nonplussed, I took it upon myself to undertake this investigation since Steve Chizmadia and the underwriting team were unable to establish what documents were actually required nor how to acquire them. Finally after expending the better part of 20 hours of my own time researching sitting on hold, faxing, emailing and speaking with the VA, Naval Personnel Records, and the ACHL underwriters, I was able to attain the Certificate of Eligibility (COE). By the way, during this entire process, I was constantly asking if this loan was going to "go bad" because of how much time it was taking. I was reassured that if we completed all necessary documentation by December 23 then we would be whole and the loan would proceed as indicated. On December 23rd I was informed that the loan was never locked and that the terms of the loan as I had understood them had changed. I was deftly handed off to John Gillis who acts in a managerial capacity for ACHL. He told me that I was "being emotional" and that he "didn't pay people to do loans"...I would never speak to my customers that way, and certainly not ones who had lost thousands of dollars based on the flummoxes of my staff. He said he would get back to me by the end of the Holiday week with options. John called me on Saturday to discuss the terms of the new deal, but refused to accept anything resembling accountability for the issue with the lack of locking, nor did he disclose what the difference between the terms of the original loan were and the one he was proposing (I know there was a difference, but he wouldn't do the math for me). He called the lack of locking and change in loan terms a communications mix up. Long story very long, I elected to go with another lender (whom I will in fairness write a review about separately and not mention here). They offered much better closing terms, the same rate, and they didn't have the baggage and ill-will that were the result of the repeated lack of customer service and undelivered promises that John Gillis and Steve Chizmadia delivered to me and my family. I do not recommend this loan provider and strongly recommend shopping around and comparing terms as a home loan is a huge commitment.

Everyone at this Company are positive, up beat and truly care about the way their clients feel…read morebefore, during and after the closing of their home loan. It is a rarity in today's age of "fill out an application on line and we will let you know next week" mentality. Carl & John were fast friendly and they even got me better terms on my financing package than originally agreed upon. :)

We recently worked with Tony to buy a house in San Diego county. Tony has sharp attention to detail…read moreand a deep understanding of real estate transactions. In addition, Tony is objective in his assessments and is uniquely (and positively) different from many of the other agents we met. We always knew that he was giving us an accurate assessment of whatever the topic, from repairs, market conditions, to a home's characteristics. Most importantly, we always felt that we could trust Tony to steer us in the right direction and represent our interests. He followed through from start to end, handling everything that has come up. He was responsive, thorough, and honest. We wouldn't hesitate to work with Tony again for any future transactions.

I met Tony through a friend who was both buying and selling her homes.  After I saw him navigate…read moreher through every detail in such a professional and understanding manner, I knew he was the person I was going to call when we were ready to buy a house. I finally called Tony at the beginning of January, and I knew we were entering a competitive market. Believe it or not, we purchased a house BELOW list price! It was only through Tony's amazing knowledge and help that the whole process was seamless. If you want a quality real estate broker who is attentive to his clients' needs, Tony is the person to choose.

Craig is amazing! Responsive and knowledgeable with the ability to communicate effectively and…read moreefficiently. He is my go to for loans and has aided us in getting our dream home. I can text or call and get a response quickly. This industry is often about the lowest rather than the highest quality and ability to close on time which I am willing to consider over the life of the loan. If I haven't personally recommended him to you, please reach out to Craig and consider him for your needs.

I have worked with Craig for a few years now and he is one of the hardest working loan officers I…read moreknow. He goes above and beyond for his clients and truly knows his stuff. Thank you for all you do Craig. Garrett B.

Our experience with Jacob and his team is nothing short of awesome!!…read moreJacob is very attentive, understanding, knowledgeable and professional. We were guided every step of the process which made for a stress free and smooth transaction. All our inquiries, texts, and emails were answered fully and quickly which really helped in reducing all our anxieties buying a property in a new area. You would do yourself a disservice not using the Kendra Flowers Realty Group. Highly highly recommended!!! Arnold R.

Jonathan Kendra is the best realtor we have ever had the pleasure of working with. He constantly…read moremade time for my husband and I to view homes and always made sure he was available when we were. He went above and beyond to answer any questions we had during our home buying experience and made our first time purchasing a home painless. We purchased our home March 2020 and to this day, are still in contact with him and he does not hesitate to answer our text messages or phone calls. If he doesn't know the answer to something, he gets us in contact with someone who can. I HIGHLY recommend Jonathan Kendra to anyone searching for a realtor. Thank you Jonathan for everything you've done for me and Rob. We greatly appreciate you and couldn't have done any of this without you.

I recently worked with Strategic Equities on the purchase of my first home. They were recommended…read moreto me by my real estate agent and I'm glad he did. The team at SE was knowledgeable & always available to answer questions. This was my first home purchase so I was a little intimidated by the process of securing a loan, but SE helped guide my wife and I by answering our questions (both big and small). They also secured us an awesome rate & lender credits which really helped w/ our closing costs. I would highly recommend Strategic Equities!

Carlo Dupone was our loan officer. His thorough handling of both our purchase, and then refinance,…read morewent above and beyond the call of duty. He spent extra time to call and discuss questions we had, as well as write lengthy explanations. I am very particular about my customer service demands and the team at Strategic Equities stood up to the test and then some. I highly recommend them!! Thanks again Carlo for taking such good care of us. You are a credit to the industry,