Fall this year is especially pleasant and cozy because we get to enjoy it in our own beautiful house we proudly call home for almost a year now. Last fall, owning a house seemed to be a fantasy taking on account our uneasy situation as homebuyers. We have a history of bankruptcy and currently high student loan which was making our dream of buying a house quite unrealistic. Luckily, we met an expert team Jesse Hinaman (loan officer) and Joseph Gonzales (realtor) who knew how to handle our case professionally and stress-free! Review space doesn't allow to enlist all great professional qualities of these men we have witnessed, but we are happy to have an opportunity to mention at least a few. First of all, we were involved with the process of buying as INSIDERS. Jesse and Joseph made sure that we clearly understand this multistep process and know what to expect and how to handle each phase as we moved closer to receiving house keys. That said, we felt like taking and passing an academic course that has educated us enough to stay informed and well oriented, be ready to fulfill the requirements timely, and react appropriately in every situation from getting the loan all the way to closing. Secondly, there was absolutely no pressure and we felt completely in charge of our own decisions in choosing the house and a loan program that fits with us (surprisingly, there were options even for customers with complex situations like ours). When it came to going shopping for a house, we surprisingly were somewhat indecisive jumping from one area to another and almost made Joseph put an offer twice prior to choosing our house, but we've never noticed a sign of even a slight disappointment on his face. At the same time, Jesse was making every possible effort to maximize our financial limits which significantly broadened our search scope. We found our dream house in the perfectly suitable area! However, there were four other offers besides ours to purchase that house. It is still unclear how Joseph worked his charm, but OUR offer got accepted!!! And, of course, it is impossible not to mention the level of dedication Jesse and Joseph has demonstrated! They worked 24/7 from day one until we were ALL sitting in the Title company's office signing final papers. Knowing how rare it is for both realtor and a loan officer to be present at the closing, we can't withhold our sincere appreciation of such a high level of support! This team was really working for us and with us! Buying a house may be uneasy, but when it is handled professionally and with real care for customers, it turns into an exciting journey. Thank you Jesse and Joseph for your hard work, dedication and excellence all of which made it possible for us to enjoy many beautiful days, seasons and years to come in our very own and very much loved house we call home! Arkadiy and Marina read more

A+ Service. Honest. Solutions-Oriented. Jesse knows what he's doing and does it with integrity. I've not yet run into a problem that he didn't already have an answer to. As a Realtor, we all want to have a sound referral group we share with our clients. People we can count on to uphold our name and own referral-worthiness. Choosing a lender to send our clients to is very personal... we're counting on someone who can often commit to performing before they know what they're being handed. Jesse provides my clients with not only exceptional service, but commitment they can count on. FHA closing in 30 days? Solutions to get rid of Mortgage Insurance and save a client $700+ a month? On time closings, every time? Someone who knowledgeably educates my clients about their best financing options, what to do if they're looking to buy but are short of qualifying today, and someone who tirelessly works to find the best possible option that sometimes isn't right in front of him on a rate sheet. That's what I call service. #lenderforlife read more

We had a lot of difficulties with a lender and my real estate agent recommended that we go with Mike, who at the time was at a different company (not Equip) and he was incredibly helpful. Got us pre-approval for the loan within a day, at a lower interest rate and with waaaaaay better terms. Then 6 months later, interest rates crashed. Mike had joined up with Equip at the time. He was able to refinance our loan not only to a lower rate, but also with minimal closing/out of pocket costs. We ended up saving $450 on our mortgage payments. We also had a difficult time with our appraiser, who was a jerk, and he advocated for us with the appraisal company to try to help us get appraised for a better value. I also met some of the other staff and owner here during the process and I can say without a doubt that they are more informed, harder working, and more active than the two other home mortgage companies I had to deal with before we ended up meeting Mike, Jesse, and Equip. Cannot recommend harder. read more

Jesse Hinaman was fantastic, my husband and I decided to purchase an investment property and were introduced to Jesse through our real estate agent. He was friendly and very knowledgeable of all aspects of the lending/buying experience. We learned so much from him that we also decided to re-finance our current home and that went exceptional as well. Jesse seems to really love his work and loves to help people understand the process as it is moving along. He was literally available to us 24/7 he always answered our calls, he is a happy guy and it shows in the way he treats his clients and people in general. I highly highly recommend Jesse Hinaman for any and all of your lending needs. Diane P. read more

Jesse made our experience in buying a home very smooth and non stressful!! Not only that but the process was done in 30 days from start to finish. Wow thats unheard in the mortgage world.... Jesse was also talked about very highly by the senior ecrow manager form placer title who helped us with our signing documents she could believe how he was so on top of paper work and how flawless he was when it was time end the deal all T's crossed and all I's dotted. Thanks Jesse to a job well done!!!! I will refer your name to anyone I know in need of a stand up mortgage broker.Thanks so very much.. read more

I am pleased to have used the services of Mr. Jesse Hinaman for the refinancing of my home. Mr. Hinaman's knowledge, skills, and abilities made this experience a pleasant one. Mr. Hinaman was very transparent and up front when communicating with my wife and I about the status of our refinance process. We were kept in the loop at all times. If you are looking to refinance your home and need someone that is knowledgeable, efficient, and trustworthy, Mr. Jesse Hinaman is the "Go to" person. read more

James was very communicative and made it very easy to get the process started! He had some really helpful financial tips to make my application the best it could be. It would have been nice to have a list of all the paperwork I would need throughout the entire process up front, in order to feel fully prepared, however my situation was a little unique. James went out of his way to ensure that I had what I needed and could successfully secure a low-rate mortgage. I'm grateful! read more

It was really a pleasure to work with Jesse on buying my very first home. Jesse was very knowledgeable and led me through the whole process without any stress. He really took his time to explain each step and always kept me in the loop. The closing was less than in 30 days and thanks to Jesse,he made it possible and I was able to move in right before Christmas. I would strongly recommend Jesse to anyone who is looking to buy a new home. read more