I purchased my home in Irvine, CA at an interest rate of 6% in October 2022. Everyone knows that…read morerates increased to between 6.8% and 7.5% from 2023 to 2024. The Federal Reserve cut the rate by 0.5 percentage points on September 18, 2024. My friend informed me that the refinance rate dropped below 6%. I began searching for a new deal to refinance my primary home and submitted some requests with my property and personal information online. At the end of September, Hugo at the Loan Exchange texted me about a great deal. He mentioned that since my credit score was over 800, I qualified for a 5.625% APR with free refinance (0 points, $0 lender fees, and $0 third-party fees). That's exactly what I wanted. The refinance process went smoothly, and my loan was finally funded. If rates continue to decline in 2025 and 2026, I will definitely contact Hugo to arrange another free refinance. I highly recommend Hugo as a capable and professional loan officer.

I recently just refinanced my mortgage with Loan Exchange. I…read moreworked with Daniel Chau. I am a 34 years Real Estate as well as 10 years as a loan processor. My expectations are set very high with my experience and how I managed my files. When I first spoke with Daniel I let him know that I normally work with a person that I have had many wonderful experiences with. I was very concerned about trying someone new. Daniel asked me to give him a try. I decided to and I am so happy I did. Daniel met every expectations that I had. He always answered my questions and took the time to explain different scenarios. He answered my emails and phone calls every time. Even know sometimes I would call or email him on the weekends. He was in the office or on his cell he was there for me. Since, I am in the business I tend to want to mico manage. I didn't have a do that with Daniel. I plan on doing a home equity loan with Daniel as well as another refinance. I highly recommend giving Daniel a try if you want a smooth transaction. Everything Daniel promised me to expect he delivered. I also would like to add that after the loan closed. I received a phone call from Angela from customer support to make sure my experience went well working with Loan Exchange. I appreciate the fact that they do a follow-up.

Beau and his team helped me in refinancing my mortgage. I can't say enough about how Good they were…read moreto deal with. They made the whole process very efficient and kept me informed of the status on a regular basis. The costs were very fair and transparent from the start with no delays or surprises before closing. I would highly recommend them. -Edward W.

We just closed on a HELOC arranged by Beau. He made the process as easy as possible and was…read moreextremely knowledgeable about rates, terms and underwriting. He returns messages quickly and stays ontop of the transaction until it is done. I recommend him highly.

If Mamba Mentality was a loan officer, her name would be Christina Cho…read more My fiancé and I discovered the dream of a first home and within that same week of expressing our interest, Christina and her team got us pre-approved and equipped with the knowledge we needed to confidently move forward with the financial component of buying a home. From the get go, Christina had our best interests in mind, making sure to call and check in with us at key points throughout the loan process and ensure that we actually understood all that we were moving forward with. More importantly, when we did have questions or concerns, Christina carved out the time to help get us caught up to speed. Despite the two major end of year holidays, Christina's decisiveness and practicality combined with the precise foresight by her team - Tiffany and Ann - allowed us to steamroll through loan process. We went from expressing our interest in a home without any prior knowledge to the process or having been pre-approved to, within 30 days, receiving our keys to our new place. If you're serious about buying a home and can take care of business, Christina and her team will see you through the finish line.

Christina at Lock & Key Mortgage is one of the best in the business. Christina was able to lock in…read morethe most competitive rate for me on a 30 year fixed jumbo loan. Her communication, thoroughness, responsiveness and professionalism is second to none. She has extensive relationships with lenders and goes above and beyond for clients. I was extremely satisfied with my experience and I can say with confidence she is one of the best the industry has to offer. If you want someone that goes above and beyond and "gets it done" go with Christina at Lock & Key Mortgage!

A huge huge huge thank you to Carrington (and specifically to the awsome Ira) who approved me for a…read moremortgage on the house I've rented for the last 12 years. My landlady finally decided she was ready to sell and gave me the first chance at the house - but practically at the last minute. Scrambling to find a mortgage before my lease ran out, jumping through all the hoops, gathering all the paperwork (102 separate items - I counted), and wondering if we were going to make it was hugely stressful. Ira did a fantastic job of keeping everything on track, keeping me informed, and talking me off the ledge a few times. :) No, seriously, I can't say enough good about the company. As a first time homebuyer, there was so much I didn't know and so many things to be confused and worried about. Everyone I spoke to at Carrington took the time to explain things to me and make sure I knew what was going on at every step of the process. We closed this past Friday and I couldn't be more thrilled knowing that my house is now TRULY mine.

PREDATORY LENDING! Frustrating customer service and aggressive loan servicing tactics. Ever since…read moremy loan was transferred to this servicing company, it's always a mess. Different agents will tell you different amounts owed. The left hand does not know what right hand is doing there. Extremely inconsistent information depending which representative you get on the phone. They except payments and then don't apply them to the account (funds held in limbo) even if the reason the payment was short was due to their mistake on asking for a payment in the incorrect amount. Absolutely horrible.

I spoke with ASH today regarding a payment and I had a few questions that I didn't have the answers…read moreto so Ash answered them. She was kind, patient and helpful. I have been working with Essex for about 2 years now and I have always had a good experience. Thank you again Ash continue with your awesome customer service.

I had two loans with Essex. They just transferred. I will miss Essex servicing my loans. They…read moreare great!

I am amazed by the group of individuals that make up this company. They work with such…read moredetermination, resourcefulness, dedication and HEART like I have never seen or heard of in this or any other industry today. Foze Ennabe has been the spearhead and team leader on this project. His fierce determination, commitment, professionalism and genuine kindness are mainly absent in today's business sector. I have no idea what the result will be from this effort to acquire a mortgage for myself (I have an unusual property) but in any case their combined effort on my behalf has, and continues to be, above and beyond any expectations or hopes I could have had. Thank you to each and every team member involved, in particular Mr.Ennabe. Sincerely, Penny Michaels (grateful client)

My wife (Irina Herrmann) (and I ,John Lowy non-borrowing spouse ) were approved by Steve Hands…read more(949)5048657 a senior supervisor, for a reverse mortgage refinancing, following which we were assigned an HUD counsellor and paid $145. Steve Hands subsequently told us the application was DENIED (gave no reason) and that the HUD fee would be refunded by HIM.For almost 3 months now he told us repeatedly "the check is in the mail" and "get a life"!! WE HAVE NOT RECEIVED THE REFUND. DO NOT DO ANY BUSINESS with ENNKAR! That attitude, insult, and unethical behavior should not be tolerated !!

Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

Julie and team have been so wonderful to work with!! Not only are they incredibly knowledgeable,…read morebut they made us feel so comfortable through the whole process. Never once did I wonder if our team knew what they were doing because I was CONFIDENT that they knew exactly what to do. Plus, as someone who likes frequent communication and updates, the team was really great about that. I would highly recommend the team to anyone looking for a home loan.

Mauricio was absolutely fantastic during one of the most challenging financial periods we've faced…read more With interest rates higher than they had been in years, navigating the property market was stressful and emotional for my wife and me. Having to sell our dream home, downsize, and relocate was not an easy decision. Throughout the entire process, Mauricio was knowledgeable, patient, professional, and incredibly supportive. He took the time to explain our options, answered every question, and helped us feel confident about each step forward. What could have been an overwhelming experience became much more manageable because of his guidance and dedication. We are truly grateful for his expertise and genuine care for our family's situation. I highly recommend Mauricio to anyone looking for a loan officer who combines outstanding professionalism with compassion and integrity.

We recently closed on our home, and we couldn't be happier with the service we received from Kelly…read more Buying a home can be a stressful process, but Kelly made everything as smooth and straightforward as possible. Kelly Addison was always professional, responsive, and willing to answer our questions throughout the entire process. Whenever we needed an update or had concerns, she got back to us quickly and made sure we understood every step along the way. What stood out most was her attention to detail, communication, and dedication to helping us find the best loan option for our situation. We always felt like she had our best interests in mind and was working hard behind the scenes to keep everything moving forward. We are incredibly grateful for Kelly's guidance and support during such an important milestone for our family. We would highly recommend Kelly to anyone looking for a knowledgeable, trustworthy, and reliable loan officer. Thank you, Kelly, for helping make our dream of homeownership a reality!

May2020 WE ARE BACK!!!!!…read moreThe Luna Group helped us with are ReFi and with a lower interest rate and extra money from equity in our house, we are able to finish up projects in our home to get ready to sell!!!!! Thank you Manny and the Luna group Team!!! Blessings Vanessa and Dan April 2018- Many was great to work with and EXTREMELY HELPFUL and especially since we were dealing with a past bankruptcy and raising Credit scores. Our process ended up taking longer, only because we were dealing with issues on our end, but Manny was always patient and knowledgeable. He was always working hard to get us the best rate. This is going to be a lifelong working relationship, my husband and I are completely satisfied and we look forward to the next time.

Manny and his team were very helpful with my loan approval and made it easy for me to apply for my…read morehome loan. Throughout the process they provided excellent customer service. I will definitely recommend his service as well as be a returning customer.

I thought I would never end up buying a house...so when I found my dream home just randomly driving…read moreby one day, I realized I didn't have any knowledge of how the process work. While my parents introduced me to a family friend who was a real estate agent, I had no idea how to go about finding a loan officer! After digging through Yelp/Google, I stumbled upon Meridox Mortgage that had stellar reviews and took a chance. I called Meridox and was put in touch with Trung Tran. I let him know that I didn't have any knowledge of how the house-buying process works, but he was incredibly supportive and assured me he would walk me through every step. Shortly after we finished talking on the phone, he sent me a list of items to provide for the pre-approval letter. Trung's turnaround was quick. I sent him my information in the evening and got the letter the next morning. My real estate agent used this letter to draft the offer...it was accepted! After my offer was accepted, the rest of the process was somewhat nebulous, but my real estate agent worked closely with Trung to help me through. Trung was with me every step of the way. He patiently explained how my monthly mortgage payment and closing costs were calculated and even helped me negotiate a home insurance offer. He even kept a close eye on the market and advised me when I should lock in the rate. I thought home buying would be more stressful, but it wasn't as bad as I thought because Trung made every step clear and was very on top of deadlines. From pre-approval to loan closing, it took just one month! Thank you Trung for being so diligent and patient in helping me secure my dream home! Trung was also very proactive in reaching out to me a few months later when interest rates dropped by about 1%. I had the honor of working with Trung again for my refinance, and it was also efficient and painless! I recommended Trung to my coworker recently when she was looking to buy a condo. Highly recommended to anyone who is in a market for a house to look into Meridox!! Thanks again for your hard work, Trung!!!

I cannot recommend them enough. Linh is an amazing service provider, and she will meet you at your…read morelevel. A little background: I did 2 house purchases, and 1 house sale by myself without a realtor before engaging Meridox. I didn't need handholding, because I was not a first-time buyer. I wanted an advisor who can give me an honest opinion as to pricing, knows the neighborhoods, and can negotiate with the seller's agent. Linh was so on top of things. She understood that I was busy and scheduled multiple showings for me on weekends. She mapped out our route, so we can be efficient with time. She never asked me to consider any property that was outside my price range or not what I was looking for. I was able to knock out many home viewings with her, and we put in a couple of offers. I saw a house that fell out of escrow. I messaged her, and she was immediately on it. She showed me the house, called the seller's agent, and basically convinced the seller to take my offer that was a tad below listing that either that same day or the next. (OC is a hot market, so this was an incredible deal! My other offers all sold above listing.) She was incredibly responsive, super sharp, and very easy to work with. I used Meridox as my mortgage broker as well and used them again to refinance a year later. Very seamless and easy transaction. Forget all the agents who claim to "treat you like family." Choose Meridox: the true professionals.