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    Full Circle Home Loans

    5.0 (10 reviews)
    Open Open 24 hours

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    1 year ago

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    Seth A.

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    6 years ago

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    2 years ago

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    5 years ago

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    5 years ago

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    Seth A.

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    5 years ago

    Painless refinance! Seth and his team were great. Would definitely work with them again.

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    Seth A.

    So happy to work with you Becky

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    6 years ago

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    7 years ago

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    Seth A.

    We appreciate you working with us Ryan!

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    7 years ago

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    8 years ago

    Chenoa and Kaitlyn worked hard to make escrow run super smoothly! Very easy to work with and always there to help!

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    Review Highlights - Full Circle Home Loans

    I want to thank Seth and his team for the great advice, education, and patience they gave me throughout the whole process.

    Mentioned in 6 reviews

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    Kelly Manderscheid - Rate

    Kelly Manderscheid - Rate

    (58 reviews)

    We loved working with Kelly! As first-time homebuyers, we had a lot of questions throughout the…read moreprocess. Kelly was incredibly patient, knowledgeable, and supportive every step of the way. She was always quick to respond, kept us informed, and made what could have been a stressful process feel smooth and manageable. Her professionalism, efficiency, and genuine kindness made all the difference! I will also add she helped me lock-in the best rate at the time, and all within 14 days. I can't recommend her enough! Thank you for making our first home-buying experience such a positive one, Kelly!

    I honestly can't recommend Kelly enough…read more I'm not easy to impress. I'm super detail-oriented, have high expectations, and don't have much patience for poor communication or mistakes. I rarely write reviews, but Kelly absolutely earned this one. I'm self-employed, and every lender I've worked with in the past made financing feel like a huge ordeal. Kelly made it look easy. She knew exactly what she needed, never made my self-employment an issue, and got me from contract to closing in exactly 15 days. I honestly didn't think that was possible. What really stood out was how responsive she was. Whether it was evenings, weekends, or dealing with our two-hour time difference, she was always there when I had a question. I never felt like I was chasing my lender, and that alone made the whole process so much less stressful. My best friend sent me to Kelly after she helped both her and her son buy homes this year. They couldn't stop talking about how great she was, and now I completely get it. I almost never give A+++'s, but Kelly earned one. If you want someone who knows exactly what they're doing and actually makes the mortgage process feel easy, she's your person. And yes...Kelly is officially my mortgage spirit animal.

    Brad Yzermans - Patriot Pacific Financial - Brad Yzermans NMLS #315238 Murrieta-Temecula Mortgage loans

    Brad Yzermans - Patriot Pacific Financial

    (25 reviews)

    My lender sent me an email about a down payment assistance program. I quickly Googled it and…read morestumbled upon the Home Loan Artist website. I filled out what appeared to be a waitlist for the program itself, but I received an email from this Brad individual saying he was going to contact me to go over prequalifying for a mortgage. I responded back saying no thank you and that I was apparently mistaken as to what I filled out, so no need to contact me. Attached is the (completely unnecessary) response I received. I just wanted to put this out there for other like-minded people who want to know the kind of person they are dealing with when making what is, for most, the biggest purchase of their lives. As to his response on this review - I was neither upset nor seeking his assistance. This email and his responses to other negative feedback speak for themselves. Judging by some of the other negative reviews, it sounds like he is quicker to respond to someone who ISN'T interested in his services than others who are. Good luck to you and that chip on your shoulder.

    I would like to be able to write a good review but alas I cannot. I read a few of Brad's articles…read morebefore deciding to contact him for a complimentary telephone conference. I set up an appointment online for Friday April 27th at 3:30 PM and received several email confirmations of this appointment. Friday came and went, I tried calling and received no response until 9 PM when he emailed me to say he was sorry he was unable to speak with me and offered to reschedule the appointment. Don't ask me how it took 5.5 hours for him to communicate that he could not make the appointment despite the multiple email confirmations I received from his business. I was going to give him the benefit of the doubt but today AGAIN he did not follow through or answer my call during the scheduled appointment time. Again, I received multiple emails confirming the date and time. All I can think of is he does not need the business and is running a very unprofessional organization. Very disappointing considering all the good views I had seen.

    Full Circle Home Loans - realestatesvcs - Updated September 2026

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