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    GEM Mortgage

    5.0 (13 reviews)
    Open 9:00 am - 5:00 pm

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    Response time

    4 hours

    Response rate

    100%

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    Recommended Reviews - GEM Mortgage

    Your trust is our priority, so businesses can't pay to alter or remove their reviews. Learn more about reviews.
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    7 years ago

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    Terry B.

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    6 years ago

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    6 years ago

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    Terry B.

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    6 years ago

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    7 years ago

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    Terry B.

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    6 years ago

    Terry and staff are very knowledgeable, professional, they keep us informed and always quick to respond to all questions.

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    6 years ago

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    9 years ago

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    Terry B.

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    6 years ago

    Smooth as usual with Terry and his team at GEM Mortgage. Highly recommend their services

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    Terry B.

    Thank you for the great review! You are awesome!

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    6 years ago

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    8 years ago

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    Terry B.

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    7 years ago

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    Review Highlights - GEM Mortgage

    I was referred to Terry from my real estate agents when I was looking for a house to purchase in the area.

    Mentioned in 13 reviews

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    Mayra Barajas - Elite Mortgage Pros

    Mayra Barajas - Elite Mortgage Pros

    (17 reviews)

    Mayra made the experience of acquiring a loan an absolute joy. Extremely professional, with a quick…read moreresponse time any questions I had during the process. A professional who truly cares about the client. She took control during the hectic process of purchasing a home. She made herself available all hours of the day, and night, not only during the work week, but weekends to answers any questions I had. She provided great Communication, throughout, everything was transparent, from the initial pre-qualification stages throughout escrow, till the very end of the process. As a first-time homebuyer I am impressed with the level of quality I received through the whole process. I would recommend Mayra to anyone in the market for a home or mortgage, she will get the job done with professionalism, candor, and a willingness to patiently answer any questions at every step of the process, making it as stated previously an absolute joy! Thank you very much from the bottom of my heart.

    My husband and I are first time home buyers using VA loan in Northern California. We were very…read morenervous about starting the process of finding our first home because we have heard it is a stressful and emotional roller coaster, not for us. Mayra made the process so easy and smooth. After working with her, I honestly think it makes a difference when you have a great realtor and loan officer to make the process less stressful and more enjoyable. She is absolutely amazing, great communicator, very knowledgeable in what she does and will fight for you to get the best deal. Don't have a realtor? don't worry, she will interview some in your area of interest to make sure they have their best interest in what you want. She makes sure you are well educated in the process and keeps you in loop of everything along with your realtor. We are very blessed to have Mayra in our home buying process and we will continue to work with her in the future.

    Pacific Funding Mortgage Division - One of our favorite kitchens!

    Pacific Funding Mortgage Division

    (12 reviews)

    We recently refinanced our Valencia condo through Pacific Funding. We did close the loan…read moresuccessfully in the end, but I will definitely not use these guys again, or recommend them to others. Their rates are good, but you can find as good (or maybe better) elsewhere. I did not have Jennifer (the officer mentioned in the other review), but worked mostly with Jason Renno. Still, I had the same experience of unresponsiveness and an overall lack of communication. Having been through the mortgage process before, I felt like I was the one having to remind them of things. Sure, it mostly worked out in the end, but I was not treated with much of what I would call "customer service." Had this been my first mortgage, it would have been a nightmare. Some specific complaints: Loan closed over 2 weeks late, even though we always submitted all requested docs within 24 hours. This caused a major headache with travel plans we'd made, etc. Even though I made a specific request not to finance the closing costs (multiple times: in person, by email, by phone) when we showed up to sign the loan docs they were financed. Not worth the hassle to redo everything. Actually they put so much in the loan that I ended up with about $400 cash to borrower. I didn't need any cash, but now I'm paying interest on that extra $400 for no good reason. They failed on some regulatory compliance issue during the process, later having to send me a check for about $100. Compliance issues--really??? They provided no instructions, bill, envelope, or account statement for making the first payment after the closing (had to pay them one post-closing payment before the loan was sold). There's probably more I'm forgetting, but you get the idea.

    Pacific Mortgage was awesome to work with my team went above and beyond to answer even my simplest…read morequestions i would definetly work with them again Thank You PFMD

    Dan Felico - SelectPlus Lending - Photo taken on our Closing day with Dan Felico

    Dan Felico - SelectPlus Lending

    (61 reviews)

    My parents and I are first time home buyers and we couldn't have done it without Dan Felico's help…read moreand expertise. We closed escrow in a month and got the keys on December 7, 2022. From the beginning, Dan was absolutely stellar. He was thorough in his explanation of each aspect of the approval process and brought such a welcoming vibe each time we interacted. Dan is very professional, courteous, patient, and he always kept us in the loop. Dan GENUINELY wanted to help us. He always answered his phone, texts, emails at all times and remained in constant communication throughout the whole process. Trust me, he responded quickly via email or text and was definitely a pleasure to work with. He even showed up to our closing which was completely unnecessary but went a long way in knowing he was with us from the start to the finish! Thank you so much Dan. We are very grateful for all the work that you have done for us. You made it possible for us to get our dream home. I highly recommend Dan Felico. I'll definitely do more business in the future with Dan and SelectPlus Lending. More power to you and your team! Best Regards, Villacastin Family

    Knowledgeable, Reliable and Great service!…read more My partner and I are first time home buyers, and we definitely could not have done it without Dan! We were introduced to him by our realtor who has been working with him for years. We were very nervous and went in blind unsure if we were ready to purchase a home, but he was able to guide us through the entire process and answered any and all questions we had. So glad we were able to work with him. Looking forward to working again with him in the future and will make sure to refer our friends and family to him. Thank you again Dan!

    Finance of America - SCV

    Finance of America - SCV

    (34 reviews)

    Excellent... Amazing... Couldn't have asked for more! Not only did they get a VA loan closed on…read moretime, but they did it in 30 days. With the start date on New Years day. And they got on the phone with the selling agent ON NEW YEARS DAY providing information (on how awesome we were I'm sure) so that the seller could break a tie between us & another buyer. WE WON! I can't say enough about the seamless process we experienced here. I discussed with my husband why this was such a different experience than our other house. We decided it was because these people actually worked as a team. Every email was copied to the team & if our main guy Don T wasn't available, someone else would answer. *Mind Blown* Would absolutely recommend them to anyone looking to purchase their 1st or 10th home. THANK YOU GUYS! Tara & Daniel Northridge, CA

    In 2010, Nilu Askari of SKYLINE HOME LOANS tried to give me a loan but I got a better rate from…read moreanother loaner. For 8 years since, I've attempted to get Nilu Askari to STOP EMAILING ME!! I have responded many times requesting her to stop emailing and have received typical responses blowing me off like, "Sure, I'll remove it.." but it never happens. It's unbelievable how unprofessional Nilu Askari and SKYLINE HOME LOANS is. Avoid at all costs. Shop around and you will easily find better rates. Don't ever call these jerks or you will never stop getting emails... 8 frickin' years of being lied to.. This last time, today, Ms. Askari said "Who are you? I don't remember you!" What a loser... REMOVE ME FROM YOUR EMAIL LIST NOW!!!!

    GEM Mortgage - mortgagelenders - Updated July 2026

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