When I was in need of a home loan, I reached out to Funding Concepts Group who was referred to me by my paralegal friend. He said to be sure to ask for John Bonanno. I called and was connected with John, he listened to my needs and all my issues I had attached to my loan needs. He spoke to me with the warmth of an old friend. He explained a plan and what each step would entail. He was always 3 steps ahead and anticipating what would be next for me. John has excellent communication skills and always answered my calls. I did get my loan and everything went very smoothly. Shout out to my broker, John Bonanno! Great job, thank you so much. read more

The only thing tougher than finding an honest auto mechanic might be finding an honest, responsive, and expert mortgage loan broker. John Bonanno and his Funding Concepts Group is that rare find. We had a tough situation that few brokers would take on because it wasn't a huge loan and didn't represent a big payday for them. Plus it would require a creative approach and work on their part due to some unique financial challenges. I didn't even think John would take us on, let alone get us funded. John said he would do everything he could, and we have never experienced a more effective, dynamic, or knowledgeable result. He really came through. "Going the extra mile" has become a trite phrase, devoid of real meaning. But John truly went that extra mile. He found us the right lender, and more important, he guided us through the process, always filled with information and answering our endless questions, and guiding us to that final approval. All the while John was fun to talk to, full of super useful tips, always cheerful and positive, and always searching for the best deal for our situation. While Refi-ing is not a particularly fun process, John made it so. In fact, we used him again when rates dropped, and he always remains in touch, advising us of particularly interesting rates or coming changes. In my lifetime, I have worked with many mortgage brokers. In fact, I spent 29 years working in the real estate lending industry and we had hundreds of brokers as clients and business partners. In those 29 years, I cannot think of one who could touch John Bonanno and his Group. John is far more than a broker; he's a mortgage counselor and loan expert. He is my first and only call, and I have him on speed dial. My family is grateful to him for the work he's done for us. Now if he could only fix cars... read more

Simply: John Bonanno is THE bomb!! He had done an amazing job with our first rodeo with him 7 yrs ago. Decided to refi and comparison- shopped. John secured THE best funding. But the most phenomenal feat: John got everything done in a tad over 1 week! We told him from the get-go that we needed to rush the process and John redefined the meaning of warp speed!!! John keeps exceeding our expectations and remains our go-to broker. If all this is not enough, then let me be clear: he is just an all around genuinely terrific nice guy who is most skilled in his craft and has the greatest personality to boot! Thank you ever so much, John!!! read more

I've worked with John twice in obtaining mortgages, and he's done excellent work both times. Most recently, I had some delays in the escrow process due to some title issues - but John was there every step of the way, and kept in close contact with the escrow company to keep me apprised of issues and timing. Highly recommended. read more

I wish I could give John 6 stars. John is a true guide. He navigated me and my organization through all kinds of hurdles and has excellent relationships with lenders, escrow, inspectors, appraisers, etc. so that everything runs smoothly. Because of him, my non-profit has its very first office and it could not have been a more perfect fit. John advocated like crazy for us with every single party involved and we got our dream office. I truly believe this would not have happened were it not for John. THE MAN IS GOLD. read more

I spent 6 months with Wells Fargo on a cash out Refi. They kept allowing the paperwork to expire and i had to pay my CPA to generate P&L and current balance sheets to comply with their underwriting. I was referred to John at Funding Concepts Group by my CPA. I spent 15 min on the phone with John and forwarded him the requested information. We had Conditional approval in less than 48 hrs. I closed this last Friday with a better loan than Wells offered. I simply cannot say enough about the Transparent communication. This was easy. I will continue to use John's services personally and refer him to anyone in need. Thank you John Richard K Rimel Corona, CA read more

When it comes to qualifying for the best loan my clients can find, I refer them to John Bonanno for mortgage lending, planning and counseling. The most impressive thing about John is that he considers the best interest of the borrower. If there is a better loan through another lender, John will refer my client to that lender and forgo processing the loan himself. For this reason, I trust him implicitly. John is by far the most trustworthy mortgage broker I have ever had the pleasure to work with. His honesty, frankness and desire to only do what is best for the client is why I refer my clients only to him. My clients only have to process one application with John and he shops for the lenders with the best terms for the borrower to make an informed choice. John also guides my numerically challenged clients with the best choices. As a CPA, many years ago I would arrange for and process my client's borrowing needs. After one of my exceptionally good clients found better terms and rates with John, I called him and found that we had a real connection, not only professionally but personally. That was the last time I processed a mortgage loan because you can't go wrong with Funding Concepts Group. read more

I have worked with John for many years and always found him to be extremely professional, courteous and responsive. I have also referred him to several of my friends with great results. John has proven himself to be an expert in the field and I highly recommend his service. read more

John Bonanno makes an otherwise cumbersome process a lot more bearable. He truly cares about his customers and provides excellent support throughout the mortgage process. He handled my original mortgage back in 2015 and when I decided to refinance this year, there was no question in my mind as to who would handle this for me. My property is on Indian lease land in Palm Springs and this adds a whole new challenge to the process. However John "held my hand" and kept me calm throughout the process. No easy feat. Thanks John for being a consummate professional and "all around good guy". read more

Mr Bonano is amazing. We had a very difficult situation dealing with a reverse mortgage after my mother passed away. I was told if anyone could make it work he was the one. He kept on top if both the reverse mortgage company and the new lender. My son and daughter -in- law were successfully able to purchase our family home, which my parents had purchased 60 years ago, in a short sale. Thank you John Bonano for saving our home for my family. I highly recommend him. read more

If you are looking for a mortgage professional, look no further. John Bonanno is outstanding! My wife and I recently purchased a home and it was the smoothest transaction I have ever done. John made it very easy. In fact we closed early! He asked all the right questions up front, collected everything the lender needed, set expectations and delivered. Friendly, super responsive and professional. I highly recommend him. You won't be disappointed. read more

John is an awesome in moving you through the loan process. He keeps you informed to your progress and what to expect. He was recommended to me by a realtor friend. I completed pre-qualification with John and was able to close escrow on a house I found in 21 days. John later worked with me on refinancing and his experience and timing set me up in a 3.25% loan saving me literally tens of thousands of dollars over the life of my loan. I got stellar service and I work and live in Palm Springs! I could go into greater detail, but really . . . within 4 years, I used John successfully for three mortgage loans. I think that says it all. read more

We just completed our refinance with John Bonnano at Funding Concepts Group and it was a seamless transaction. We hit green lights all of the way and closed in less than 3 weeks! Which is unheard of, even in the best of times! The communication was consistent and John was available to answer my questions immediately. He offered valuable guidance and direction in areas that were unbeknownst to me. I highly recommend working with John and Funding Concepts Group. read more

I used John at Funding Concepts Group for my home purchase and the subsequent refis. He is always professional, quick and really nice to deal with. He even went to bat for me and helped me when an appraisal came back and was ridiculously low. John will go out of his way to explain everything to you in detail and has even told me that it wasn't a good time for me to refinance! I totally trust him and recommend him highly! read more

John and Funding Concepts have been doing my mortgages and refinances for 10 years. I trust John to no end and he has never steered me wrong. John always works extra hard to find the best rate and the best program that will suit my needs best. I have found my mortgage broker for life thanks for all that you have done and that you will do in the future John. read more

I'm a Certified Financial Planner and have referred many clients to John and Funding Concepts. I make no money on the deals so my only motivation is to make sure my clients receive the best service and loans. In fact, I initially approached John rather than the other way around because I recognized his ethical character in several non-business settings, and knew I could trust him. He's been superb. I highly recommend him. read more

We were refered to John by my sister. He is an amazing honest person to work with. John does his best to have as much knowledge as he can and keeps you in the loop through you entire process. The communication is AMAZING! If you ask a question and he's not sure of the answer he will do his best to find the person who has the answer! John goes above and beyond to do his job! Thanks again John for being great. read more

John and his team are true professionals. Everything went very smoothly and on time. It was a pleasure to work with them.

John does a great job on staying on top of the loan. He is very honest and works hard to make sure that you are happy. He has tons of experience and it shows in how he runs his company. I would highly recommend him! read more

Nearly 15 years ago, John at Funding Concepts was the guy that helped me get the financing for my very first "starter"home. Later, when I was married, he again came through and helped us buy our "it" home and later an investment property that we weren't sure we would qualify for let alone be able to close in 30 days. He made it all happen every single time. John is knowledgeable, personable, reliable, takes your calls, takes the time to explain your options, highly ethical and honest, and is just a great guy to bounce around financing/real estate investment ideas with. He works tirelessly with escrow, the realtors and whomever else he needs to in order to make everything close when it needs to. I highly recommend him to all my friends and colleagues without hesitation. read more

John helped us when it became time to purchase our first home. His hard work and good advice made us feel like we were in good hands. He made us feel like he wanted us to succeed in buying the house we wanted. We were very happy to receive the mortgage rate we received, and we closed our deal in a short amount of time. Thank you John Bonanno and Funding Concepts Group for helping us to realize our dream of becoming home owners! read more

I am giving John and Funding Concepts Group five stars without hesitation. Everything from start to finish went so smoothly with our refinance. There were no problems, his advice and suggestions were right on, and he delivered on all his promises. I truly have nothing negative to say about John and his staff. John always responds to my e-mailed questions about the market rates, loans, etc. immediately whether he's getting business from me or not. read more

My wife and I were originally working with a different mortgage broker while trying to close on our first home. We were continually running into issues, which were a result of poor communication and lack of clarity from the original broker. After discussing some options, the seller actually recommended that we reach out to John for a second opinion. We ultimately moved on from the original broker and switched to John at Funding Concepts Group. This was hands down the best decision we could have made. I cannot stress enough how helpful and instrumental John was in helping us to close Escrow. Things started flowing much more smoothly from the moment John jumped on board. He was quickly able to resolve all of our outstanding issues that seemed to be holding us up with the original broker - we were even able to keep our original closing date! He was detailed and thorough, and took the time to answer any questions that we had along the way. We highly recommend John!! It's amazing the difference it makes when you have people like him working with you! read more