Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

Working with Vivienne and Michelle throughout our loan approval process was great and we would…read moreabsolutely recommend them for your next home loan. We were initially paired with another loan officer from another company and we were frustrated with their lack of transparency and communication style. Vivienne, on the other hand, was super helpful, transparent, and great with her communication. We are so happy that Vivienne was able to step-in so quickly and was able to save us over $7k right from the first loan estimate. As first-time home buyers, we are very grateful for Vivienne's help navigating us through this loan process.

We had an excellent experience working with Vivienne throughout the purchase of our home. From…read morestart to finish, she was responsive, knowledgeable, and incredibly organized, which made a complex process feel much more manageable. Vivienne took the time to clearly explain our options, helped us secure a competitive rate, and stayed on top of every detail to keep things moving forward--especially when unexpected challenges came up close to closing. Her communication was outstanding--she was consistently prompt and even responded outside of normal working hours, which gave us a lot of confidence and peace of mind during a stressful time. What stood out most was her ability to problem-solve quickly and advocate for us when timing became critical. We truly appreciated her professionalism, dedication, and willingness to go above and beyond to get us to the finish line. We would absolutely recommend Vivienne to anyone looking for a reliable, responsive, and highly capable lending partner.

Victor Sanchez has helped us with two different home refinance and with a purchase of a new home…read moreover the last 5 years. He is always professional, extremely helpful, very available, and answers questions promptly. He also tells us when it's not in our best interest to move forward. We highly recommend his services.

Victor made home buying and loan qualifications easy to understand and made the whole process a…read moresmooth one. Would recommend to any future home buyers

My family and I needed an experienced realtor that could navigate the potential twists and turns of…read moremy grandfather's trust. Meridox turned out to be the best choice we could have made. Trung and Linh were consistent with their communications with us and kept us informed on all aspects of the listing, negotiations, and escrow processes. From our first meeting, they were well prepared and did their homework. Comps and initial estimates were extremely helpful. The most impressive aspect of their services was the negotiations, with multiple offers received, Meridox carefully orchestrated another round of bidding, culminating in us receiving the highest and best offer. Disclosures, paperwork, and escrow were a breeze. I would highly recommend their professional services to friends and family, and I would use them again in a heartbeat!

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!!!

Just closed on a HELOC with the best rate I found (by far). The process was super easy- I kept…read morewondering what the catch was. Justin was very responsive and easy to work with. I highly recommend this company!

Great team and very professional They are really…read moreinformative too and quick to follow up

Writing another review here into the year of 2021. I have been using Top Leading for many years…read morenow and have worked with both Amy and Jerry on many purchase finance and refinances. Amy and Jerry have been fantastic and perfect to work with. They get me the lowest rates on the market with the most cost effective fees that you can find. They turn time in communication, responses, paperwork and entire process has been impeccable. Amy puts in a lot of time to monitor the market rate and reaches out to me when she sees an opportune time to lock the rate. She is without a doubt the best I have worked with. I would recommend anyone and everyone to go to Amy for any loan needs. Thank you so much Amy and Jerry and keep up the great work that you do!

I was referred to Ammy by a friend who had recently refinanced their mortgage with Top Leading…read moreFinancial. Our conversations started around mid-December of 2020 and the entire process concluded at the end of January 2021. I was very surprised and happy that the process only took about 6 weeks as I have friends whose mortgage refinance process took at least 4 months to complete. At the beginning of my refinance process, I was shopping around and had also requested a quote at Loan Depot (LD) for my refinance (since another friend of mine referred me to his friend that is a manager there), and I absolutely despised talking to the rep that they had assigned me there. The LD rep would lose his patience when I asked questions about things I didn't understand and became not helpful when he realized that I would not sign a contract or move forward with him the afternoon he first called. He was extremely pushy and wanted to get things started right away even though it was right before the holidays. I didn't think I would be able to finish the process before year's end, so his urgency just didn't sit well with me. The moment that solidified my decision to go with Ammy and Top Leading Financial over LD was how both parties responded to me when I informed them I was shopping around. While LD was very quick and able to provide me a quote right away on our first call and Ammy informed me she would send me a quote the next day, the LD rep became aggressive in his response towards me as to why Ammy was not able to provide me a quote right away when he was able to, as if I had the answer. Later that night, Ammy had not only sent me a quote, but had also pointed out some of the differences between hers and LD, and spoke with me the next day to go over more in detail about the differences in the quotes. She was very patient and didn't sound aggressive or pushy when explaining everything to me. I was initially planning to send her quote over to LD to see if they could offer me something better, but when she ended our call by letting me know that it's okay if I don't proceed with their services, but not to begin two different loan processes with different companies because it's going to be a giant mess for me, that was the moment I decided to drop LD and proceed with Ammy. Even now as I'm writing this review over a month after my last communication with LD rep, remembering my experience with him is infuriating me. I am extremely happy with my decision to go with Ammy and Top Leading Financial, as the rest of the process was a breeze. Ammy even helped me resolve a last-minute issue relatively late on a Saturday night prior to me signing the final documents needed to complete the process the next day. Ammy and Jerry kept constant communication throughout the process and answered any questions I had quickly and professionally. If anyone's looking to refinance their mortgage and isn't too knowledgeable about the process, I definitely would recommend them to reach out to Top Leading Financial.

I had an outstanding experience working with Stephen & Louise. From start to finish, they were…read moreincredibly knowledgeable, patient, and responsive. Whether it was answering my (many) questions, walking me through the process step-by-step, or helping me lock in a great rate, they truly went above and beyond. What impressed me most was their attention to detail and how they made what could have been a stressful process feel smooth and manageable. Communication was always prompt, clear, and professional--something that's hard to come by these days. I closed on time with zero surprises. I can't recommend them enough to anyone looking to finance or refinance a home. You'll be in excellent hands!

Worst experience ever. Louise was firm that we should be able to get the mortgage for the new home…read more She even told us that she helped a few clients who brought homes in the same community a few months ago. A few days before the closing date, Louise told us that we may not be able to close the escrow because the lender won't release funds unless the new home community is sold at or above 90%. We were unfortunately deceived by the info she provided and we had to pay over $1K for all the appraisal and credit reports that were all done for nothing.

Dave is the real deal! He got me and my partner pre approved after a good 1-2 hour conversation…read morewhere he never asked for any financials until we were ready! Which is a breath of fresh air considering as soon as you contact any lender, they won't give you the time of day until they see financial docs, which I understand but the way Dave worked. He wanted you to feel comfortable with him prior. The best part was is that everything that he said was exactly the same leading up to when we close our docs, which was our monthly payment plus the down payment, no surprises, and if there was, he worked with our agent to make sure that what we discussed was honored! It is now the new year and we celebrated in our new home. Thanks so much, Dave!

Dave is the best in the business!! Spoke to other mortgage brokers and nobody even came close to…read morewhat Dave was able to get us. And in this market too, I couldn't believe it. Thanks again Dave!!