TRAVIS at MLCG was able to refi 3 rentals properties for us where other companies couldn't.. In…read moredoing that we were able to reduce each property by 2% monthly interest. We were VERY happy with his service. He always returned my calls immediately and was very professional with a calming demeanor. Also all three loans went through very quickly. I would definitely recommend Travis and MLCG. Janet and Rick Hopkins Chula Vista, CA

We had a great experience with MLCG. We worked with Travis who was able to help us refinance our…read morehome and get a great low rate. They were always very helpful if we had any questions and really kept us informed of what was happening during the loan process. I felt very comfortable with them and would recommend them to anyone else who needs help getting or refinancing a loan.

Neil was so awesome with the whole loan process!He was able to beat another competitor and was able…read moreto complete the loan in about a week and a half turn around. I have never had a loan done that quickly. He responded quickly about everything and was able to answer all questions I had during the process. He is highly recommended!

If you need someone to close your home ASAP, Neil is the MAN! This is my first time using HNM and…read moretheir customer service is spectacular! Very responsive(all hours of any day), very knowledgeable, very easy to work with. Out of all of my lending experience, they did it the best and fastest, with no issues, and abiding all rules! I definitely recommend this to anyone who is needing a trustworthy lender. I will move all my lending needs to HNM and Neil! Thanks again for everything and appreciate all transparency the whole way!

If you can find another mortgage company/realtors, please do it. First, their realtors are horrible…read morewho don't know up from down. Had to switch half way through to another within the same company and even though the second one was better he still dropped the ball on things and didn't even deliver me my keys to my new house - made me go by myself to the house and then had the SELLERS REALTOR DELIVER ME MY KEYS. No gift for my new house. Nothing. The interest rate was higher than I expected and the mortgage payment I was quoted originally was not what ended up being my true payment until after closing. Closing costs were much higher than I was quoted at the beginning and even though I asked for more inspections be done, the realtor didn't schedule them. It was a BAD experience all around. But at the end I had my house and thought it was over. Fast forward 6 months into my mortgage during COVID, I hear from my realtor who is also a broker whose wife (at the same company) tells me that they can refi me to lower my interest rate to 3.375%. I explicitly was told there would be no hard look into my credit and all they needed was my mortgage statement, pay stubs, and W-2. I filled out an application and gave everything they needed. 3-4 days pass and nothing. When I check in, I get told "please confirm your debt to income ratio below" so I tell them that I was told this was not going to be a hard look at my credit which I did not want to do when I was approached. The realtor said he'd talk to his wife who did "confirm" she said she only needed the documents she told me but turns out the lender needed my debt to income ratio. I asked about that at the get go and was told nothing else was needed. They are in the habit of lying, not being professional or reliable for clients and I can't recommend enough that people should avoid them. Please, do not use them for buying a house or for a mortgage. I truly regret using them. TRULY.

This review is well deserved and definitely overdue. Adam Horde was my broker for my first home and…read moreI could not be happier! Adam helped me buy my house in mid 2021. I had absolutely 0 knowledge of the real estate industry and even less knowledge of how real estate loans work. I also had a lot of questions.... and then even more questions. Adam was always happy to explain to me anything I needed. He was always patient and understanding when I needed further explanation. Adam also knew all the right questions to ask to get me the best deal possible. He found me a great program that really helped me with my personal situation to be able to afford what I could. He always advised me in what would be best for me and my financial situation. During closing, we hit a bump in the road with the inspection and Adam moved heaven and earth to help get the deal across the finish line. I really appreciate all the extra help and attention he gave me. If you are nervous about the financial side of buying a house, Adam is the guy to see! I will definitely reach out again when I need more help!

Trent is the most excellent, knowledgeable, and hard-working realtor I've had the privilege of…read moreworking with. He helped us close on a dream home in an extremely competitive market and I have no doubt we would have paid more (or perhaps been unable to have an offer accepted) without his support and expertise. There are a few areas in particular I want to highlight that make Trent outstanding and set him apart from his peers: 1) Market Knowledge: Trent understands the nuances of every neighborhood in San Diego as a lifelong resident and will guide you toward opportunities you may not have known were available in order to locate the very best value for your needs. 2) Professional Network: The reality of a competitive market like San Diego is that in order to have your offer taken seriously as a buyer--or to garner the highest sale price as a seller--you need a realtor who has great relationships with the other top-producing realtors in the area. I was consistently impressed by Trent's professional relationships and how this informed our decision-making when writing offers and evaluating properties for purchase. Additionally, Trent's relationships extend to the very best contractors, loan officers, insurance brokers, inspectors, property management companies, and everything else you could possibly need pre- and post-closing. The amount of time and money you'll save by accessing the trusted network of contacts Trent has available cannot be understated. 3) Honesty: Through every step of the purchasing process I could see that Trent had our best interests at heart and this is rare in an industry where so many realtors operate from self-interest simply to get deals done. Trent often helped steer us away from the wrong opportunities and guided us to the right ones to make a great investment in a home we're very excited to own. I interviewed a number of realtors prior to working with Trent and after working with him I can say for certain that Trent is someone who truly earns every dollar of his commission when working with you, and that's not something that can be said of many other realtors. He always went above and beyond expectations with his time, attention, work ethic, and expertise. If you're considering a real estate investment in San Diego, I highly recommend reaching out to Trent.

Trent is without a doubt the best realtor I have ever had. I have bought multiple houses with…read moremultiple realtors and have never had one more thorough and smart as him. His knowledge, resources, and connections made the buying process so easy, I never need another realtor again and can't recommend him enough.

From a borrower's standpoint, there are two critical factors in a home loan: 1) can the lender do…read moreit in time? 2) what's the rate? John Heffron solved both of these issues perfectly for me yesterday. I had less than 30 days before closing on a single family residence, but I wasn't sure that the rate on my pending loan was the best it could be. I was referred to Loan Depot by a Wells Fargo loan officer, who said he couldn't close in less than 35 days due to COVID madness. I also called Chase, American Financial and Benchmark. John beat them all on rates and he was able to confirm that he could close in the time that I needed. In the end, I wasn't able to turn around my documents in time to hold up my end of the bargain. However, the next time I'm in the market for a mortgage, John will be my first and likely last call.

First time home buyers! We received fantastic service from the introductory phone call to the close…read moreof escrow. Garrett was able to explain the loan options we had available and Asia continued answering questions while in escrow. Now as a Realtor at Compass, I will continue to recommend Gaylord Hanson to all of my future clients!

I could not be happier with my experience with Joe. My wife and I set out to buy a home a few…read moremonths ago. Being green around the gills, we attempted to venture into the realm of real estate on our own. We were looking at a house, and was nearly taken to the cleaners by another real estate agent, who referred us to a lender who was never available to provide any assistance. A good friend of ours asked us why we were attempting to purchase a home without an agent. We've spoken to real estate agents in the past, and they always seem to be looking for their next commission, and usually don't seem to have your best interests at heart. She gave us Joe's information, and the same night, he immediately responded to us. Within a few days we met up with him, and we immediately felt completely comfortable with him. He is a master at actively listening, as he took a look at what we were looking at, and what we had to work with. He kept in touch with us via text messaging, email, and phone calls throughout the process, even giving us advice while he was taking a few days off, as he dropped everything to answer our questions, and guided us throughout the entire process. We hit a few speed bumps through the process, but if we hadn't had Joe, we would have been stuck in a tiny studio apartment, and continued being miserable. Joe has awesome connections with the right people who are part of his team. From the lender, to the home inspector, he had reliable, trustworthy people working together that made our recent home purchase easy, and left us feeling very confident before we signed off on the fine print. Due to a previous lender we went with, we found ourselves in a bit of a pickle. I was panicky, and Joe was there to talk me off the ledge, and got us into our home. If I had known then what I know now, I would have talked to Joe much sooner. If you're looking to enter the realm of real estate, I refer you to the un-named man of the beginning of The Legend of Zelda: "IT'S DANGEROUS TO GO ALONE! TAKE THIS." Joe's number:(619)-847-3894

I'm finally a single family home owner in San Diego, thanks to Joe Foty! I needed to sell my cute…read moretownhouse first and Joe was so dedicated & eager to help me! He became an expert on my complex & my HOA. Joe was willing to do showings when potential buyers requested them & open houses almost every weekend. He was patient, kind, professional, optimistic and so helpful. As soon as my townhouse was in escrow, Joe helped me find my absolute dream house. In this market, time is of the essence and Joe spotted my dream home before I did - he helped me schedule a showing as soon as we could. He has such extensive experience and as someone who is new to the single family home buying process, it was invaluable to have him in my corner sharing what was coming next and what I could expect. That experience was especially helpful with the advice he offered that helped me craft a really attractive offer - and it was accepted, over many others. I appreciate his honesty, responsiveness and professionalism. He is very thorough, insightful, and honest with his opinions on the state of the homes and their locations and really well informed on the local market overall. He is not only a great realtor, but a great guy as well. When I finally did land my dream house, he met with different contractors for me, since I was unable to be there. I am so thankful for Joe because I don't think I could've managed this move without him. I have no doubt that I'm in my amazing new home thanks to him, and that's a pretty awesome feeling to know I picked the right realtor and ended up in my dream house! Joe is hands down the BEST!! I would highly recommend him to anyone looking for a realtor in the San Diego area.

I was a first-time home buyer and Matthew helped me so much, not only with re-financing my home a…read morefew months after I purchased it, but also with getting my credit score up significantly. He was extremely responsive and supportive throughout the entire process. I took a few simple suggestions and the results were amazing! I will be forever grateful to Matthew for helping me on this journey. I would definitely recommend Matthew to anyone who is looking for guidance in terms of how to improve their credit score, securing a loan, refinancing their home, and obtaining a reverse mortgage. I will certainly use him again in the future and I know my family will as well.

I have been in the real estate business since 2002 and Matt has been the first Mortgage Broker that…read moreI have worked with who was super organized and very personable! He was quick to come up with estimates of what mortgage payments would look like with different interest rate scenarios and showing how costs would change depending on the house price. He not only took time to do the work every time we had a question but also wanted to get to know me. He is also quick to get back to you when you gave questions or concerns. Matt also explained and broke down loan scenarios for me to make it easier to understand. I also loved how he showed side by side comparisons on his program Mortgage Coach. It showed so much clarity and made it easy to compare different scenarios. I also lived the breakdowns of closing costs so that we were not surprised by an unexpected huge cost. I appreciate Matt and will continue to go to him for any future mortgage needs!!

In all my many home purchases I have never had someone so accessible throughout the process. The…read morelevel of customer service is unmatched! Greg is personable, thorough and incredibly helpful.

Having Greg handle the financing of my clients loans is such a blessing! He is honest, well spoken,…read moreknows his business, provides excellent service to my buyers and most importantly gets their loans funded. Thanks for all your hard work and dedication to my clients Greg!