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    Envoy Mortgage - La Quinta

    5.0 (1 review)
    Closed 8:00 am - 5:00 pm

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    Todd Perdew, MBA - 20+ years experience to draw from to solve your financial needs and maximize your savings while doing so.

    Todd Perdew, MBA

    (1 review)

    Todd has help me with almost anything that involves financing. He responded to a simple refinance…read morecall and he ended up getting me a loan on a new house purchase at the lowest rate I could find (I shopped). When I explained the reason for the refi (to purchase the new home) he gave me some excellent advice to look into renting my current home vice selling it. We took that advice, found a good property manager and with Todd's help our cash flow is now much improved and our total equity has increased. Todd also arranged for a total insurance umbrella to cover my cars (2), a collectable auto, an RV and a trailer, plus the two houses. We got all the coverage adjusted for now being a landlord and I now have better coverage and Todd saved me hundreds of dollars. Home loans today are a huge pain in the ___. The new rules (which is better than meltdowns)require a lot of work on the part of the loan purchaser. Todd takes the sting out of this hassle by understanding the business and working with the lenders and insurance sellers to calmly and methodically let you know what you need to give HIM, and then he will work with the sellers. Todd works for you and I highly recommend him.

    From the owner: Our business specializes in making our customers feel like superheroes. We provide a range of…read moreproducts and services, and go above and beyond your expectations to deliver on time and with a smile. We can make you faster than a speeding bullet and leap buildings in a single bound.

    American Financial Network

    American Financial Network

    (1 review)

    I've been in contact with Debi for about a year before I finally decided to close on a house. She…read moretreated me like family during the entire process and there was never any pressure to buy or make fast decisions. I am a first time homebuyer and a military veteran and Debi was able to provide a detailed game plan using the VA Home Loan and it was executed flawlessly. She kept me informed on the latest developments while in escrow and made my experience a fantastic one.

    From the owner: As one of the fastest growing mortgage bankers in the United States, we opened our doors in 2001…read moreand have since expanded with many community based branches across the nation. Headquartered in Brea, CA, AFN built its reputation as an outstanding mortgage banking firm by serving the lending needs of real estate professionals, builders, and individual homebuyers throughout the United States. We are a Direct Lender with delegated authority to underwrite, fund, and service Fannie Mae, Freddie Mac, FHA, USDA, VA, and Jumbo loans products in-house. Our success and expansion is built on core values including streamlined and efficient operations that optimize organizational output as well as an approach to customer service founded on exceeding expectations. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan. We are dedicated to making every loan transaction a relationship that will last a lifetime!

    Ronald Christopher and Associates - Owner/ Office Manager Tina Saporito

    Ronald Christopher and Associates

    (6 reviews)

    We are so grateful to have met Tina & Ron! From my very first call with Tina I knew we had to have…read moreher as our real estate agent. She is very knowledgable about the Coachella Valley and about STRs. Ron was really great providing insights on comps in the area and which deals were better than others. They are an awesome duo, both kind, personable and an absolute pleasure to work with. We were able to close escrow seamlessly thanks to them. Tina was always responsive to any questions or concerns we may have had. We felt like we were working with friends with the amount of time and effort they spent with us. We are already looking forward to working with them in the future! Highly recommend making Tina & Ron a part of your team on your journey to finding your new home.

    Our company provided cleaning and property services for Tina and Ron's LuxeMod BNB, a luxury…read morevacation rental in Lake Havasu City, for approximately a year. I'm sharing our experience because I believe other small businesses and service providers should know what our experience working with them was like. When we originally quoted the home, Tina and Ron told us that a casita would eventually be built. At that time, the casita did not exist and was not part of the home we were cleaning. Approximately a year later, once construction was completed, we cleaned the newly added casita. This required additional work and an extra trip, and we charged $125 for that service. Tina disputed the charge because they believed that mentioning the future casita when we originally quoted the existing home meant the new building would automatically be included in the original cleaning price once it was completed nearly a year later. Unfortunately, this was not the only issue we experienced regarding additional services. Throughout the time we serviced LuxeMod BNB, we were frequently asked to handle things outside of a normal turnover, including picking up and disposing of trash/items left outside the property and washing/laundering rugs. These additional services require additional time, labor, supplies, and sometimes additional trips. We repeatedly experienced pushback when additional charges were involved. In the past, Tina and Ron preferred discussing these types of things by phone. We found that those conversations often resulted in us agreeing to additional tasks without additional compensation. Because of those previous experiences, when the casita situation arose, I chose to communicate our pricing and expectations in writing rather than discuss them over the phone. I wanted there to be a clear record of what was included and what would be considered an additional service going forward. Our pricing also worked both ways. When LuxeMod BNB had mid-term stays that required less work, we lowered our cleaning price accordingly. There was never an issue when our price went down. However, when the workload increased or additional services were requested and required an additional charge, our pricing repeatedly became a point of contention. After the continued disputes regarding our prices and additional services, I made the decision to end our business relationship with Tina and Ron and informed them that we would no longer service LuxeMod BNB. The $125 charge for the casita cleaning we had already completed remained unpaid. Tina told me that because there was no contract and they believed the future casita was included in our original price, they did not have to pay the additional charge. I disagree with that way of doing business. If you add additional work for your cleaner, landscaper, pool company, maintenance provider, or any other service business, you should expect that the price may change. Mentioning that you intend to add something to a property in the future does not mean a service provider has agreed to service that additional space indefinitely at no additional charge. If you disagree with a service provider's price, you are absolutely free to decline the service or hire another company. What I will not accept as a small business owner is performing additional work and then having a client decide afterward what they believe should have been included. Ultimately, I chose to stop servicing LuxeMod BNB because I will not continue a business relationship where our pricing, time, and additional labor are repeatedly argued over. This review is not simply about $125. It reflects our overall experience doing business with Tina and Ron and why I ultimately chose to end the relationship. Small businesses deserve the same professional respect as any other business, including being compensated for the additional work they perform.

    Envoy Mortgage - La Quinta - mortgagelenders - Updated August 2026

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