As a Realtor myself with over 9 years of experience, I have dealt with many loan officers in the past and Juan Torres is hands down THE BEST loan officer I have EVER worked with!!! He's extremely knowledgable, has great people skills & work ethic, is bilingual, ALWAYS answers his phone (unless he's with a client), will be completely honest with you and your client, takes his time to educate the client and explains everything in detail, gives very competetive rates, works with a direct lender with everything done under one roof--which helps with quick turn around times, can fund loans faster then other direct lenders I've worked with, is extremely computer and technologically savy and always keeps everyone up to date and informed throughout the escrow period, including the other agent and borrower, goes out of his way to accomidate the client's work schedule and I don't recall a time when he said he was too busy for me or my client even though I know he is always busy, he works on the weekends--which is a rarety in this business, I can go on and on! I trust Juan with my own family and have referred my own family to him: cousins, father, mother, brother, and very close friends of mine. If you are an agent reading this, I recommend trying to use Juan for one of your next deals and I guarantee that you will not be disappointed, if you are a buyer, homeowner, or investor looking to purchase or refinance, I would highly recommend that you work with Juan Torres. Remember, it is one thing if someone else promise you a good rate, and another thing to perform and deliver--Juan Torres does both! He has been able to approve clients that were near the end denied by other lenders. I have also had listing agents speak volumes of Juan because they too are so impressed with his performance and have given him their next deals. I have been able to close every escrow I have opened using him as the lender and my clients have been extremely satisfied! Thank you Juan Torres for your phenomenal work performance! I am always looking forward to closing more deals with you! read more

A good friend of mine referred us to JTLT. Juan and his team earned our business in demonstrating best rates and no hidden fees. My wife have been renting for 7 years and we don't make a lot of money but we were determined to buy a home in 2019. We took the first and most important step in the home-buying process. We set up a meeting with Juan Torres and brought everything we needing for loan qualification. The rest was a peace of cake right there and then we new what kind of home to look for. Juan Torres was upfront in what we qualified for and laid it out on the table. What really impressed me about Juan is his knowledge of the Lending business and how he followed through with his promise. We closed fast with all accurate numbers as promised and earned my future business in one shot. My wife and I both work full time and was told many times we would need this and that to buy a home. Go see Juan Torres before you start doubting your selves, at least you will get the accurate information and you will better prepared and ready to make the next step. I look forward to hearing of anyone I refer to JTLT getting approve for a home loan. God bless Juan Torres and his team thank you guys. It's been 4 months now and my family and I are blessed with our new home. I wish everyone luck looking for a home and remember go see a lender before you start looking around for homes. read more

Alterra home loans has made our dream come true! We are home owners! Juan Torres and his amazing team have walked us through this whole process. From getting prequalified, making an offer on a home, opening and closing escrow these are some of the things Juan Torres and his team helped us with. My husband and I always had many questions about the process Alterra home loans was always a phone call away. They are a very professional team, extremely courteous, and most importantly they have all the knowledge to make this process a lot easier for the buyer. I want to give a huge thanks to Juan Torres I appreciate his honesty and thank you for always answering all of my questions and concerns. He always made sure me and my husband understood everything that was going on with the home buying process. He has all the experience and the knowledge of the business. I have already recommended Alterra Home Loans to my friends and family! I will definitely do business with this wonderful team. Once again thank you for making our dreams a reality for me and my family! Thank you and God bless!! read more

If you need someone GO to JUAN!!!!! Juan and his team are the BEST team that I have had the pleasure to work with. The previous team that I worked with as soon as the papers were signed left me on my own and left me to deal with the fallout that came soon after. Everytime that I reached out to them the previous team from Century 21, would tell me that they referred to someone please call them. Which left me feeling confused and upset. Juan and his team helped me with my refinance and provided me with amazing support. I had an issue after the paperwork was close and Juan with his team was there to help me to deal with that. He would regularly call me to check in on me and replied to every message that I left or sent to him. They were terrific in getting me the help that I needed and most importantly staying with me till the end, and finding the solution to this problem. If you need someone, I recommend Juan and his team, and they will make sure that you get the best deal and most importantly the right support. read more

I was recommended to Juan Torres by another top agent. As a past loan officer myself, I know how the process works and the commitment we make to our clients. Juan understands this commitment and I am confident that he will cross his t's and dot his i's before giving my buyers a pre-approval. Once I get the pre-approval from Juan, I know the clients will qualify for the loan and I run with it. He has closed my buyers' loans on time and sometimes ahead of schedule. I can focus on working on my side of the business and allow him to do his job without feeling that I have to supervise his work. I have also seen him in action. He is very professional, knowledgeable and has a great sense of humor. My buyers feel totally comfortable and at ease with him. I don't hesitate in giving him a 5-star rating as he is one of the best loan officers I have met. Oh, by the way, he always answers my calls or returns them soon after. I highly recommend him for all your real estate loans. You won't be disappointed. read more

As many of you know the home buying process is interesting to say the least. There are so many moving parts which makes it important to have both a real estate agent and mortgage broker that are top notch. Although we have not found our property and had the pleasure of closing a loan with Juan Torres just yet, I can say that if the loan and closing process is as easy as he has made the pre-qualification process, I am looking forward to going the distance with Juan. He is very informative, has made every effort to give me guidance along the way, ,makes a point to stay in contact with me to check in and see how the search is going, and most importantly, I never feel pressured into taking a particular loan product. Juan Torres is very supportive and I get the sense that he wants whats best for me even if his loan doesn't fit into that picture. I would definitely recommend Juan Torres to anyone looking for a loan. read more

I am a Real Estate Broker and in this business one very important key factor is COMMUNICATION and Mr. Juan communicates very well. I have worked alongside with other lenders most of them who ended up dropping the ball after they were done convincing me of their worthy. Sorry but I do not work this way. Juan however has proven himself to be the different type of lender. I was introduced to Juan and his team by a deal I was working with another local Real Estate agent. I called Juan to ask many questions about the loan and he answered each and every one of them and left me without a doubt in my mind. Juan worked very hard and was ready to close this deal in less time than EVER expected. I was AMAZED! I was looking for a good Professional Spanish speaking lender and I found him. Thanks again Juan for all your hard work and your professionalism. We will definitely be doing business together again. read more

Juan and his entire team were amazing. I was a first time home buyer and I was super nervous. I had no clue what I was doing and was upfront with Juan about how scared I was and that I was going to need them to really hold my hand and walk me through the entire process. They met my expectations and then some. Juan broke every little thing down for me and I understood everything that was happening; step by step. His entire team kept me in the loop. They were constantly calling me, emailing me, and meeting with me face-to-face. I also loved that Juan was bilingual because he was able to break everything down for my dad who doesn't speak English. Buying a home for the first time is super stressful but Juan always put me at ease and answered all of my question. I greatly recommend him to anyone who is a first time buyer. Clear, supportive, and hard working. That is Juan in a nutshell! read more

My husband and I are started the process of purchasing a home a few months ago. Now, I can happily say that we couldn't have done it without Juan. Before meeting Juan we had gone to other lenders (Wells Fargo being one of them), they gave us the run around of how much we qualified for, issues in our credit that needed to be resolved, etc. Our Realtor recommended us to Juan Torres (Prospect Mortgage), and boy aren't we glad we had the opportunity to work with him. He made the process of buying a home so much easier. He got us approved within a day, emailed us an approval letter and we were on our way on purchasing a home. We now own a beautiful home is Santa Clarita, and we honestly owe it to Juan. Juan is responsible, professional, dependable, trustworthy, and he always called us back when we had a question. It was a pleasure working with him. :) read more

There is no words that can help me express how I feel about Juan and his team. They helped us get out of a complete nightmare, when we were about to lose our down payment they stepped in took over and got us our home so fast. We where working with a different bank and the other bank took over a month just to tell us they couldnt approve us. They other bank was very unorganized and their office was a complete mess. Juan and his team are very professional and organized i was impressed how quickly they moved and how everyone was always on the same page they answered all our questions always got back in touch with us to let us know how we are doing in the process and they gave us a yes we are getting our home so fast. Im glad we came accross this team without them we would have lost our money and we wouldn't have gotten our home. Thank you team. read more

On a scale of 10, Juan ranks an 11 !! From day 1 to close, Juan has always been on top of all aspects with respect to my loan. My 23 day close (despite appraisal issues which cost an additional 4 days) of an FHA loan says it all, that's right.. 23 day FHA close !! Juan knows the ins and outs, and has always had an answer to the zillion questions I had. Never EVER have I had to wait more than a few minutes to get an email response or a follow up call to a voice mail that I had left. Juan is proactive, knowledgeable, honest, dependable... everything you expect from a Loan officer who you are working to secure an important transaction like a mortgage. Juan Torres comes with very high recommendations and regards from me. He delivers on his promises and exceeds expectations. read more

Juan Torres and his team are the home loan dream team! They are professional, knowledgeable and most importantly caring. Juan, Claudia and Karina made the process of obtaining a home loan seamless and smooth. They prepared a pre-approval package for us to present to the selling party that was highly professional which gave us the advantage over other potential buyers. Several agents noted that our paperwork was very organized and professionally put together and that gave us the edge! In addition, Juan and his team are prompt and always made themselves available to ensure our peace of mind. Every time that we spoke to any of them we felt like our best interest was their priority! We highly recommend them! read more

Thank you Juan Torres from the bottom of my heart and my whole family! You and your assistant Ampee Gomez, along with management went out of your way to make my FHA loan close even BEFORE our closing date and make our American Dream come true to become a homeowner. I will recommend you guys anytime to anyone who needs help with any mortgage transaction. Juan Torres is a professional Loan Officer that gets the job done. I was ablet to speak with him about any concerns anytime of the day, even after his work hours. Thank you Juan and Prospect Mortgage one million times more. From the Enamorado & Guzman Family read more

I was referred to this mortgage company by my realtor and was amazed at how professional, courteous and helpful Team Juan at Alterra home loans were and still are. I said "are" because they still keep contact with me even tho it's been 4 months since I closed my loan. They are great because they helped and kept in touch with me during the whole process. Answered every questions and concerns in a prompt manner. Special thanks to Juan, Oscar, Karina and everyone form that office. You guys are awesome and I can't wait to work with you guys on my second house, thanking for helping me become a home owner. read more

Juan Torres and all his staff at Alterra Home Loans made the purchase of my first home seem easy and quick. They guided us thru each step of the way, where always available to answer any questions I have and went above and beyond my expectations. They are all highly professional at what they do. I would highly recommend them to anyone looking to purchase a home they are truly the best and I would go with them for any future home purchases. I want to thank Juan and everyone at Alterra he loans for helping me and my family in the purchase of our first home you guys are all awesome thank you so much. read more

AMAZING! Juan showed professionalism since day one. He explained and helped my wife and I with everything we needed to know as first time buyers. He is an excellent loan agent to say the least. It has been over a year since we purchased our home and even now he answers my phone calls to assist me. He is always there to help in a very professional yet friendly way. i definitely recommend Juan to everyone purchasing a home. i myself will absolutely go back to him in the future. He is just a great, intelligent and professional agent who really knows what he's doing. Great experience over all! read more

I've worked with GoTo Mortage now for a few years. Being that I'm a realtor and have also worked with other lenders in the past what stands out about them are the following: always keeping the client's (buyer) best interests firsts, answering and returning calls immediately, always having someone on their team to communicate with, educating the buyer each step of the way, and always closing the transaction in a timely fashion! If you're a first time home buyer, seasoned investor, or just have general questions Juan Torres and Goto will not disappoint. read more

This is our second time working with Juan Torres lending team, and it was just as good an experience as the first time. They really take good care of you, never forget anything, and really relieve a lot of the stress that comes with purchasing or refinancing your home. I always receive sound advice and assistance, and they Kept me updated on every step of the process, we are very happy with our refinance resulting in a lower payment. Will absolutly recommend to others and definitely will come back. Thank you very much Juan and to all your team. read more

JUAN TORRES AND ALL HIS TEAM ARE THE BEST! Thank you from the bottom of my heart for helping me become a first time buyer at age 25. it still hasn't hit me, feels like a dream. everything went so smoothly, and also thank you for being so helpful when it came to submitting the paper work via email. Just the thought of driving over there would kill me mentally, you and your team made it so convenient for me. Once again thank you very much and words cant explain the joy I have deep inside my heart knowing you helped me, make it happen!!!! read more