To put it simply, best loan experience ever! Jim Goldberg…read moreand his team are the best. I had applied for an equity loan with a bank that I have been with since 1984. After going back and forth, shuffling documents for almost ninety days they denied me for a loan against a property that I own free and clear. After being denied, the local bank rep apologized and said "I know someone who may be able to help you" and gave me Jim's number. Called Jim the next morning, after a short conversation he said "I can probably help you" and connected me with a member of his team who very efficiently worked with me in gathering the needed information. Two days later Jim called and said that he could make it happen, discussed rates and started the process. Received a message the next day, Jim had been able to negotiate a better rate! The young lady who worked with me was amazing, knows what the underwriters want to see and finessed the language in documents accordingly. Was able to work with my insurance company to supply the required information needed by the underwriters without me needing to get a new policy which would have cost thousands more per year. Three weeks later the loan was finalized. As they say "The Stork Delivers!"

I recently purchased a home and Jim was AMAZING!!! I reccomend working with him anytime. Beyond the…read morefact he got me the best rate out there, he was very professional throughout the entire process, extremely responsive and he got my escrow closed in 21 days. I couldn't ask for a better mortgage broker. Thank you Jim for all the help with the loan. It's been a pleasure to work with you! You will always be my go-to!

Arin is the best to work with, responds to everything immediately. While the mortgage process is…read morepretty easy if you are employed, it is not easy if you are self-employed. Unlike bank loan officers, who have no idea what is needed for self-employed individuals and ask 150 follow up questions for ridiculous documentation, Arin knows exactly what you need and asks for everything in one submission upfront. If you are self-employed, Arin is a must use. The difference between him and a bank loan officer is night and day.

I have worked with Arin for over a year and he is hands down the most knowledgeable and helpful…read morewhen it comes to any questions about your loan. Aside from this he know a lot about the home buying process and was very professional throughout my home buying experience. Can't recommend him enough!

This is regarding Andy Lutz owner, I emailed Summer that I will no longer renew my account for some…read morecharges that I felt were excessive. I received a voice mail from Andy, stating for me to never call or email the company or any of his employees. also, for me "to go kick rocks". He has always referred to my business as a "Peanut Company "for him. His response just confirmed my decision to take my business elsewhere.

I don't usually take the time to write a review but I have received a 5 star service from this…read morecompany. Alex is just amazing and he's extremely knowledgeable when it comes to insurance. So many people out there claiming they know what they're talking about but reality is most people I've come across are clueless about insurance and all the intricacies of it. Thank you Alex!!!

Again. A mess. Calling for a simple change in policy. Don't get calls returned. Changes didn't…read morehappen. Instead I got an earful about personal drama which is what was getting in the way of Gina competing the changes I was requesting.

Great service. Gina is always very punctual and responsive to all of my questions and needs. Highly…read morerecommend!

This review is really specific to my interactions with Chris Dritz. I guess it is about CMS as a…read morewhole because I have also worked with members of Chris's team, and they are great. I first started working with Chris in late 2013 or early 2014. A friend put me in contact with him directly because no one else could help me get into a new house while keeping and renting out the condo I had as the market was not good to sell it. Chris worked his magic and found a reasonable and fiscally responsible way to help me with getting into a house while maintaining my condo. In the end, he helped me so that I felt secure in my leftover savings that if I did not have have a renter for a few months that I would be secure in paying for all expenses of both properties. A couple years later, he helped me refi my house so that I could save money and get some money out of it to pursue starting my family. Just recently he helped me again get into what I hope is my forever home. I am a high maintenance kind of person who looks over all the paperwork and has lots of questions. Chris always answers my questions quickly and clearly. If something doesn't work for me, he will try to see what other options there are to make it work. He is also very realistic. He does not overpromise and often won't give information until he has the facts because he does not want to set up unrealistic expectations. He helped my sister and her husband when Rocket Mortgage screwed them over (DO NOT USE ROCKET MORTGAGE!). He will tell you things you may not want to hear, but they will always be in your best interest. I will refer people directly to Chris and continue to use him for all my home needs. Not being able to use Chris would be a deal breaker for me with regard to any aspects of home buying or refing.

Being honest, we had lost our home and blew up our credit during the real estate melt down five…read moreyears ago. I doubted we could get a loan, let alone a fairly substantial loan for our dream home by the beach in Ventura. I wrote Marty Smith and the team at CMS and within hours we were pre-qualified and on the path to home ownership! Because of our unique financial situation not every lender was willing to work with us in the tightened regulatory market, but Marty and the CMS loan officers fought and scratched and kicked to make sure we would get our loan. And while they worked for the best deal possible, the kind and patient staff reassured us at each step of the way like they were serving a family member. I can't speak highly enough of the CMS team. If Marty Smith prequalifies you and you stick with CMS you will get your loan at the best possible terms. So glad we acted while interest rates are low! THANK YOU CMS!!!

Just wanted to take the time and show my appreciation for Art he saved us from utter disaster…read more After starting escrow and 15 days into our purchase my lender called and said my rate went from 4.125% to 9.00% and unheard of rate and deal. I had already removed my contingencies so it's either lost my escrow money or pay a very high payment, my friend recommended me to Art. He took over the file and not only got me a much bette deal but also closed the deal on time. Thank you Art for all your help

Mayra made the experience of acquiring a loan an absolute joy. Extremely professional, with a quick…read moreresponse time any questions I had during the process. A professional who truly cares about the client. She took control during the hectic process of purchasing a home. She made herself available all hours of the day, and night, not only during the work week, but weekends to answers any questions I had. She provided great Communication, throughout, everything was transparent, from the initial pre-qualification stages throughout escrow, till the very end of the process. As a first-time homebuyer I am impressed with the level of quality I received through the whole process. I would recommend Mayra to anyone in the market for a home or mortgage, she will get the job done with professionalism, candor, and a willingness to patiently answer any questions at every step of the process, making it as stated previously an absolute joy! Thank you very much from the bottom of my heart.

My husband and I are first time home buyers using VA loan in Northern California. We were very…read morenervous about starting the process of finding our first home because we have heard it is a stressful and emotional roller coaster, not for us. Mayra made the process so easy and smooth. After working with her, I honestly think it makes a difference when you have a great realtor and loan officer to make the process less stressful and more enjoyable. She is absolutely amazing, great communicator, very knowledgeable in what she does and will fight for you to get the best deal. Don't have a realtor? don't worry, she will interview some in your area of interest to make sure they have their best interest in what you want. She makes sure you are well educated in the process and keeps you in loop of everything along with your realtor. We are very blessed to have Mayra in our home buying process and we will continue to work with her in the future.

Steve is the greatest insurance agent I have ever used. He knows his policies and costs and will…read moreonly sell you the best policies that meet all your insurance needs at the most competitive prices. I have had him write us auto, home, umbrella, life and disability for myself and my wife and we could not be happier with his service.

Steve Becker is one of the best insurance people I've ever worked with... He is great at…read moreexplaining the in's and outs of insurance... All of the ways you can save money yet maximize results.. I found Steve in a Google search years ago and have stuck with his ever since... If you're looking for a good insurance person I suggest you give Steve Becker a try