1. First Equity

    1. First Equity

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    Fort Bragg, CA

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    Recommended Reviews - First Equity

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    9 years ago

    Phil is great. Very organized. He will go the extra mile to make sure that your transaction goes smoothly. Also very fun to work with.

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    Elise & Glenn Groves - GTG Financial

    Elise & Glenn Groves - GTG Financial

    (133 reviews)

    My husband and I had the pleasure of working with Elise on the refinance of two properties. I don't…read morehave much to say about the process, but so much about how wonderful Elise was! The whole process was quick and easy on our end, and we were invited to her beautiful home to do all the signing, where we were treated as family. Our two kids were entertained by the dogs, and. life-sized Santa was a witness! It is clear Elise is "in it" to help people. I recently reached out to Elise for advise on what type of financing product would fit a need that developed with out home. Elise very kindly responded with places other than her I could go to for a product that would best fit our needs. I appreciated the honesty and time she gave in that situation. In addition to your mortgage needs, Elise is also a talented gardener and shares a plant bulb or two as well as advice! You've made a friend in the community after working with Elise.

    "If anyone can do it, Elise Groves can do it." That's what one of our friends told us when we were…read moreat a point of wanting to refinance our home several years ago. Wow, were they right. Interest rates had fallen and we wanted to lower our mortgage payment and take some money our for home improvements. Elise did the work and was able to get our refi done smoothly. When the interest rates went down even more a year or so later, we did so again. Robin and I heartily recommend working with Elise Groves for your mortgage needs. We intend to come back to her for any future mortgages!

    Chris Kamali - US Bank - Great loan programs and rates!

    Chris Kamali - US Bank

    (116 reviews)

    Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

    We are closing on a house this week and had to share our fantastic experience working with Chris!…read moreFrom start to finish, he made the entire process feel easy and seamless. Chris was always responsive, communicative, and proactive about keeping us informed at every step. He answered all of our questions quickly and clearly, which gave us so much peace of mind during what can be a stressful process. Beyond that, he's just a genuinely personable and kind person, just an absolute pleasure to work with. We're so grateful for his expertise and support, and wouldn't hesitate to recommend him to anyone looking for a smooth, efficient home loan experience!

    Rio MacGregor-  Luxe Places International Realty.

    Rio MacGregor- Luxe Places International Realty.

    (1 review)

    On a scale of 5 stars, my husband & I give Rio 10 stars. After spending years looking to find our…read morehome, Rio patiently helped us every step of the way. As a local, he is very familiar with all neighborhoods along the coast. Most importantly for us, his financial advice was 100% spot on in every situation that we negotiated. He is honest and has integrity, a sentiment echoed among other local professionals contacted while setting up our new home. Our lender complimented Rio profusely several times during closing, stating that Rio had offered us the best service he had seen in his career. Rio truly went above and beyond to make our dream come true.

    From the owner: I'm a long-time resident of Mendocino County and the Coast. After graduating from high school, I…read moremoved away to attend college and explore life beyond Mendocino. I earned my Bachelor of Arts in Philosophy before attending law school, where I received my Juris Doctor in 2013. Throughout all my travels though, I have always returned to the Mendocino Coast and am grateful to call it my lifelong home. The Coast has been my base of operations and foundation. I have a deep appreciation and understanding of Mendocino County and an extensive network of local friends and professional contacts, all of which give me a unique ability to serve my clients. I pride myself on my ability to listen to my clients, fully understand their needs, and always put them first. My top priority is to ethically represent you as we navigate the complexities of the real estate market.

    First Equity - mortgagebrokers - Updated July 2026

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