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    Financial Partners Credit Union

    3.6 (7 reviews)
    Closed 9:00 am - 5:00 pm

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    4 months ago

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    Ask the Community - Financial Partners Credit Union

    PERL Mortgage- Orange County

    PERL Mortgage- Orange County

    5.0
    (2 reviews)

    My husband and I just worked with Gina Jarrin-Steed at PERL Orange County to purchase our first…read morehome--Gina and our realtor, Jessica Laird, helped us close quickly in under the typical 30 days, and we were into our home before Christmas! Gina came recommended by a friend of mine who attended one of her first-time homebuyer workshops in Los Alamitos. I cannot say enough kind, positive things about Gina--throughout the entire process, she helped us set our comfortable spending limit on our home, got our loan TBD Approved to make us competitively stand out against other buyers, and was a text or phone call away the entire time. She met us at the house the night we got our keys with a housewarming gift and a hug--even now that we are moved in, Gina still keeps in touch to check in and see how we are doing. PERL has competitive rates, quick closing and Gina! Highly recommend!

    Although we have not actually worked with PERL Mortgage, I am confidently giving them five stars,…read moreas Gina Jarrin-Steed has recently joined the PERL team and she definitely earns top marks. Gina was our loan officer (with another company) when we purchased our home last summer. Times have certainly changed in the years since we last bought a home, and Gina was right by our sides helping us through the entire process. From the first phone contact when she asked "What are you comfortable spending?" to itemizing all of the documents and procedures she would need to get a loan approved to getting to know us personally so that we would truly feel confident in her, Gina did it all. We compared her rates to other lenders, and yes, she came out first there, too. We hope to be in our new home for a long while, but if for some reason we were to move again, there's no one we would rather work with than Gina. Highly recommended.

    Finance of America Mortgage

    Finance of America Mortgage

    3.3
    (4 reviews)

    Chris Fenoglio and his team once again to the rescue! This…read moreis my 3rd home loan with Chris. Chris and his team are so amazing! Efficient! And most importantly, close on TIME!!!! They work diligently to get all the required documents and they have a very cool new online account to upload everything so it is secure and efficient for underwriting. As for for rates and being competitive. No doubt! Chris is very transparent and gives you all the information needed to make quick and decisive decisions. Buying a home is an American Dream. It's a scary process also if you've never purchased a home. The contracts are long and very lengthy to read through. But, trust is the important key factor in your realtor but more importantly, your mortgage lender. I trust Chris completely and his team (Melanie, Jacob, and Robin). There is no other mortgage team out there that can compete with the level of customer service and funding a loan as promised on time! If you are a first time buyer or 2-3-4-5th loan or refi... You cannot go wrong to call Chris at Finance of America Mortgage in Seal Beach,CA! I do not write a lot of reviews, but this is very warranted and well deserved. My family and I are so happy with our new home. Just got in before the new school year. Big and huge thanks again to Chris and his team at Finance of America Mortgage! You came through again for us and we appreciate you and your team. Oh, BTW!!! Historic low rates right now! Take advantage and call Chris!!!

    If i could give it 0 stars i would! There was a seminar on home buyers for beginners. I decided to…read moreparticipate and after i had a 1 on 1 w/ Steve Hageman. He walked me through the process and once i started the application/pre-qual process, this is where it gets shady. I received 1 email from Rebecca D'Auria requesting more documentation. I supplied that and asked for a status update. I called, left voicemails, and replied via email, NOTHING. Please do yourself a favor and do not work w/ them.

    Optimum First Mortgage

    Optimum First Mortgage

    4.8
    (730 reviews)

    Erik Board understood from the beginning that we were well-qualified buyers that were going to shop…read morearound for the best rate, as this was not our first home purchase. Erik was willing to compete to provide the best rate, terms, and guaranteed on time closing. He provided a quick pre-approval letter that was needed to make a more competitive offer to the house sellers. He was transparent on budget and the money down that would provide the pricing. Following the home inspection and our intent to proceed with staying under contract, he provided the best loan estimate and fixed rate with no points from a pool of five different lenders that were all in competition for my business. Optimum First won out with a loan estimate that the other lenders couldn't beat. Everyone at Optimum First was very responsive, even at odd hours or weekends. We were moving from Virginia to Texas and with Optimum based out of California, the time zone difference played to our favor since we could email and contact them after work on the East coast and they would respond the same day with the three hour time zone difference. Make sure they lend in the state you are considering on buying. They are CA based and cover a lot of states, but I am not sure if they cover all of them. After we committed to using Optimum First as our lender, we generally had no issues with loan processing and providing necessary documentation or follow-up info for underwriting. However, one word of advice is I would recommend as soon as you know you want to stay under contract (likely after your home inspection) and proceed with the house you want to purchase, obtain your final, bound homeowners insurance policy with your preferred provider (not just a quote, the policy) as soon as possible. This will be needed with Optimum First for your clear to close letter and any buyer financing requirements stated in your contract. It will help make sure you close on time to make sure the policy is in place as soon as you can get when you commit to Optimum and go into underwriting.

    I worked with Ketch Gannon from Optimum First Mortgage. Ketch was an outstanding loan officer from…read morethe initial contact to the very end. We absolutely few he has our best interests in his service, and felt he went to battle for us. He pulled strings to get the best rate and kept us in the loop throughout the entire process, making our home loan a smooth and easy process. Thank you again! Absolutely recommend this phenominal loan officer and his team!

    Park Place Funding and Real Estate Services

    Park Place Funding and Real Estate Services

    4.2
    (10 reviews)

    UPDATE: 11/30/18. I finally decided to call back and spoke with Rich A. We talked a bit and I…read moretold him what I wanted - to take some of my equity and payoff credit card debt - refinancing my mortgage. Initially he said he would put together a package. A little while later I got an email saying we were not at the correct LTV ratio to refinance. WHAT THE!!? Ok I am new to mortgages but I thought you could refinance at ANY time, not just when you have under 80% and can lose the mortgage insurance. Also, he should have known that while initially on the phone with him. I told him specifically what our mortgage was, how much I wanted for CC and what our home should appraise at. Btw, they check the value of your home based on websites like Redfin and Zillow and Trulia. We've done some extensive remodeled which obviously would not be reflected in the websites estimates- but that wasn't even taken into account. Our home was flat valued at market rate for the AVERAGE unit in our area. No thought of compensating for the kitchen gutting and remodel or the bathroom refresh, which can add serious value to equity. Not even a suggestion of an appraisal Just a flat out "we cannot help you" Hmm, someone out there will refinance us and get a good chunk of change doing it - and we will pay off our CC's and still have tons of equity -just not with these folks. Good luck and God bless .... Review 10/20/18 approximately - I don't know ... I heard the ad. I went to the website and filled out the contact form. I waited for a call back. Nothing. I called the number that was the personal phone of owner. Left a message requesting a call back. Nothing. So.... what's up? Selective responding?

    Highly recommend Park Place Funding for refinancing. We had a particularly special set of…read morecircumstances that needed extra attention, extra work and heaps of perseverance to see our refi through and Park Place Funding was the team to do it. Hats off to Rich, Kym, Martha and Team for working through this with us. You did a great job. God bless!

    Guy Keith - Finance of America Mortgage

    Guy Keith - Finance of America Mortgage

    4.9
    (27 reviews)

    I wish that I could leave lower than a 1 star review. If you're looking for someone to simply punch…read morein #'s and not advocate for you, Guy is your loan guy. If you're looking to build a relationship with a quality lender that has knowledge of the industry, Guy is NOT your loan guy. I can't express the amount of dishonesty, lack of communication, and deception that we encountered throughout the process. Initially he was not up front about the underwriting process, leading us down a path of time and money wasted. We were very clear from the start about our goals and home we are looking to purchase. Guy underwrote the home incorrectly and sent out the wrong appraisal order, which delayed our closing date. He was not aware of the differences between classification and zoning of Homes, which created challenges throughout the process. Our appraisal was extremely delayed, and we were lied to twice about the date of when the appraisal was actually completed. Further delaying our closing date, and making the seller uneasy. Our real estate agent is extremely experienced and engrained in the industry, she expressed much frustration about Guy and his team. The constant lack of communication, lack of knowledge, and ignorance of the industry made it clear that something was not right. We continued to receive electronic documents throughout the process, without notice or communication from Guy on what the documents were being sent for us to review and sign. When asking him, he wouldn't be knowledgable on his side of what was even sent to us. We ended up not moving forward with Guy and his team, found a new lender and had a completely seamless process to purchase our new investment property.

    Guy Keith is a wonderful lender. He follows up and is very…read moredetailed. He will answer all your question and help you prepare to get your loan. I have recommended Guy for years as a Real Estate Agent. Rambo

    Financial Partners Credit Union - banks - Updated August 2026

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