1. Elizabeth Catherine Bernstein - Mortgage Broker

    1. Elizabeth Catherine Bernstein - Mortgage Broker

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    Downey, CA

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    Elizabeth Catherine Bernstein - Mortgage Broker

    5.0 (3 reviews)
    Open 7:00 am - 10:00 pm

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    Services - Elizabeth Catherine Bernstein - Mortgage Broker

    Mortgage refinancing

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    PRMG

    PRMG

    (27 reviews)

    TL;DR - 90 days to close refinance for 50% of home value. Poor communication and lack of…read moretransparency from the loan officer, Ben Mireles, led to missed timelines and never ending underwriting requests. Leaving two stars for PRMG so that others take this review seriously and stay away from this company. My spouse and I have refinanced in the past and are familiar with the process. However, we are exceptionally regretful for giving our business to PRMG. This entire refinancing process has been one of the most painful experiences of homeownership. Our loan officer Ben Mireles, never clearly laid out for timelines or underwriting expectations/scrutiny. Ben promised 30, then 45, then 60 day close windows but none were ever met. We are currently at 90 days. We were actually unable to reach Ben for over two weeks. I had to reach out to his regional manager just to get in contact with him. Customer service and communication with Ben could not have been worse. This company appears to be incapable of processing applications in a reasonable timeframe for anything other than bog standard first time home purchases. It truly felt like we were dealing with a JV team throughout the process. Expectations were never established for their strict underwriting thresholds, leading to lots of confusion and consistently delayed closing dates. Further, basic requests for our account statements and employment verification weren't made until the 45 day mark, slowing the process even more. We were constantly promised "this will be the last condition prior to final approval", but then came another handful of requests for statements and documents without any communication other than "underwriting needs these documents". The lack of transparency from all parties at PRMG left us feeling frustrated and in the dark. We wondered if we would ever be given approval or if we were being strung along. While we are on the brink of finally closing, I'm more thankful that this process is almost over. I do not recommend PRMG and will not do business with them in the future.

    I loved working with everyone at PRMG and 100% recommend them! I've contacted other lenders to do…read moremy due diligence and Rose, Ofelia, and Miriam set them apart for their responsiveness and knowledge of every step within the lending process. Their ability to break down terms and steps for a first time homebuyer like me gave me the confidence to move forward and close on a home with an interest rate that could not be beat in this current market. I ended up purchasing a duplex with FHA and am ecstatic! I'll be moving in within a week and renting out the other. I really believe I wouldn't have gotten the outcome I did without their help. I'll definitely be coming back to them in the future.

    Vanessa Mosqueda Warr

    Vanessa Mosqueda Warr

    (1 review)

    Vanessa Mosqueda was my buyers loan officer. From Sun West Mortgage Company, Inc. NMLS 3277 She…read morelacked communication skills as well as offering proper information. She did not keep herself fully informed on her clients end as well as the contract at hand. She was oblivious of the contingency on the sale even though it is stated on the contract. She didn't get back to my agent until I cc'd her whole company on the email. The only emails she answered back to were ones to defend herself as well as to threaten me. After the sale DID NOT close she continued to harass me through email unattaching all supervisors and managers. She gave vague answers if any and her phone doesn't work. The excuse I didn't see a phone call from you was use on everyone at my end which leads me to believe that she has bad service or she needs a new phone. Which also leads me to believe that she never closes sales or she would have money for a new phone. Please take the proper disciplinary actions to help Vanessa better perform as well as a professionalism course on how to handle clients. And please buy that girl a new phone.

    From the owner: About Vanessa Vanessa Warr, has been servicing all…read morecommunities throughout Orange, Los Angeles, San Bernardino, and Riverside Counties. Vanessa has 6 years of Real Estate and Mortgage Lending experience and is very knowledgeable in purchases, refinances, short sales, loan modifications, land banking, and foreclosures. Her expertise include Conventional, FHA, VA, Jumbo, and CalHFA ($0 Down Programs) financing. Being a direct lender at New American Funding allows her to provide transparent expert advise, a large portfolio of loan products, credit consulting, fastest in house turnaround times in the industry, 14 day business closings, consistent communication, niche marketing for her trusted partners, and hands on assistance with her first time home buyers.

    Elizabeth Catherine Bernstein - Mortgage Broker - mortgagebrokers - Updated July 2026

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