Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

Julie and team have been so wonderful to work with!! Not only are they incredibly knowledgeable,…read morebut they made us feel so comfortable through the whole process. Never once did I wonder if our team knew what they were doing because I was CONFIDENT that they knew exactly what to do. Plus, as someone who likes frequent communication and updates, the team was really great about that. I would highly recommend the team to anyone looking for a home loan.

Chris was referred to me by my brother-in-law, and from the very first interaction he was amazing…read more As a first-time buyer in Azusa, I had no idea what to expect, but he broke everything down every step of the way through calls, texts, and even newsletters that kept me in the loop throughout. We started at the end of January and closed by early March. It was that seamless, that quick. What really stood out was his confidence and how proactive he was with everyone involved. There was a moment when the selling agent reached out directly because my agent wasn't available, and Chris told them we could close within 10 days. And we did. He makes a promise and he delivers. He had my best interest in mind the whole time, and I would absolutely call him again and recommend him to anyone looking for a great mortgage broker.

Great communication, time closure and excellent customer service. Overall a great experience, high…read morerecommend for any loan needs, refinancing or new purchase. This team is on top of their game and makes the process easy for the client!

Araz is incredibly knowledgeable and was able to guide me through my entire loan process when we…read morewere purchasing our home. The staff is also very friendly and helpful. I highly recommend doing your next loan with optima lending.

Great service by Lilit! She helped us from day one in getting all our documents ready for our…read moremortgage and guided us through the process until closing. As first time buyers, she helped us navigate the complicated process of applying for a loan. Would definitely recommend reaching out to Lilit for anyone looking to buy a home!

Ali Shemirani really made my first time home buying experience come true, and he made it a breeze…read more To be honest, I went through 4 different loan officers before contacting Ali. They all said that it would be too difficult - or impossible - to get the loan I needed with my current financial picture. Ali had a different tune. He said, "don't worry, I am going to make it happen - you will get your loan and I will close it for you." The rest is history, I finally have the ideal home and terms thanks to Ali and his persistence. I will definitely use him and Provident lending again to refinance once the rates come down, and for future purchases and investments. Thank you Ali! In addition, Alicia Crosby was such a fast loan processor! Within minutes of any question or concern I had, she would get back and with good news / information. When it comes down to the final moments of closing escrow, she did not skip a beat to make sure everything got processed on time and I understood all of the steps along the way. I am grateful for her patience while I followed up every day, sometimes multiple times a day, to check the status of the loan proceedings. Impeccable customer service and I would recommend no questions asked. Thank you Provident Lending Group!

I recently bought a home, and my agent worked directly with Provident Lending Group, I was…read moreintroduced to Brenda Delacruz, she was very helpful all throughout the process, informal and punctual from The beginning of transaction to finishing of closing of the escrow. This review is solely for a Brenda. She even touch base with me after escrow was close to make sure everything went OK. Thanks Sean

Working with David was such a great experience! Going into the home buying process, I was extremely…read morenervous and did not think buying a home in California was even possible. My husband is a veteran and David helped guide us through obtaining a VA loan for our home. Throughout the entire process, David was incredibly hardworking and attentive. He was very responsive to any questions we had and stayed on top of everything, which made what I thought would be a stressful process, much more manageable. Anytime we had questions he took the time to answer them thoroughly and made sure we understood every step. We really appreciate his professionalism, support and dedication during such an important milestone in our lives. I would highly recommend David Diaz to anyone looking to purchase a home, especially fellow veterans and their families.

Against my better judgement, we used the internet to research companies for a reverse mortgage for…read moreour dear friend who was in need of financial assistance to get in-home care. I always prefer word of mouth and personal recommendations for companies when it comes to big financial decisions such as these, but we were in a bit of a bind and running out of options. It didn't make it any easier that reverse mortgages have a bad rap and can be overwhelming and tricky. We needed to find somebody that was trustworthy, knowledgeable and most of all, kind-hearted. We were so lucky to find those qualities in David Diaz at Equity Smart Home Loans. Within a week he visited us and explained the entire daunting process from start to finish. I quickly learned that for most people, committing to a reverse mortgage is the biggest decision in and of itself. Through all of our hemming and hawing, David was forever patient and helpful, explaining all of our options and checking in with us weekly. He was great at returning phone calls and texts and answering all of our questions. We needed the HECM ASAP and David was a champ in putting it through and getting it done quickly, efficiently, and with the least amount of pain. One word of your advice when entering any type of financial transaction such as a HECM: Do your homework and ask lots of questions. David knows his stuff but he can only do so much for you. You must decide what you need and if it is right for you. Help yourself so that David can help you!

The best staff in town. They are always kind and very accommodating with all our needs. The wait…read moretime is minimal. Parking is easy and always available.

Terrible banking experience on multiple occasions…read more Citi's technology (fraud detection, bill pay, efficiency) lag FAR behind other banks. Issue 1: Citi's fraud detection falsely prevented me from buying airfare to Japan for a vacation. After five (!) calls to Citi, and even meeting with my "personal account manager", they told me they are completely unable to allow the purchase, and I'd need to use a different means of payment. The purchases were through Japan Airlines and AA's official websites. Issue 2: wiring my money out of Citi's account into my new account at another bank was also difficult. Once again, fraud detection kicked in, blocking the transfer. I called Citi and the rep sent me a one-time code via email, asking me to read it back. The email explicitly says to not share the code over the phone with anyone. I instead went to my branch of Citi to allow the wire... and I am waiting 20 minutes and counting for them to resolve the issue as I write this review. Citi is terrible. The run-down building of this branch is representative of the terrible technology here. Update: haha. After spending an hour at the branch allowing the wire transfer, I was emailed an hour later telling me the wire was cancelled due to suspicious activity. I cannot believe how strongly I actively hate this bank.

I never thought getting a complex loan could be this simple! Elvis is simply the best in the…read morebusiness and he makes everything smooth. The last thing you want in purchasing a property is problems. I have bought multiple properties over the last few years and I have to say dealing with Elvis is a pleasure. Many mortgage brokers dont know the business, Elvis does. Here is the summary of my transaction: Ease of Transaction - Elvis makes it easy. Many brokers do not streamline the process which makes it very difficult. Elvis does the heavy lifting and gets all information upfront so you wont have to constantly go back and forth. Reputation - Elvis has a great reputation in the industry and his connections to underwriters is key to getting docs processed timely. Service - He and his team are always available to answer questions. The great thing is he keeps you updated throughout the way. My expectations are always exceeded. This is my second loan with him and I will tell you that the level of service and smoothness of the transaction is light years ahead of any other broker I have used.

Elvis did what 2 other people couldn't. Save your time and effort and give him a call for your loan…read moreneeds. He gave me no story's nor any games. He just got the job done. Highly recommend!

Mark Hagopian was Awesome!! 10 outa 10 in my financial book,…read morewhich says a lot because I know a lot. This guy doesn't even sleep when he's in the process of completing your loan application. He'll text or call or email me at any hour or day to discuss where the progress of the application is or ask for further information, if needed. He is very very professional and extremely knowledgeable and efficient!! I can't wait (& hope) for the mortgage interest rates to go lower because if/when they do I'm using Mark again, that's for sure. Thanks Mark, you're the Man!!

Thank you Ben and Renee. Go Direct Lenders were great. I got a great rate, that beat out two…read moreother lenders. Go Direct stepped in while I was in the middle of escrow and not only got me the best rate, but also made sure that closing was not delayed. I would highly recommend Go Direct Lenders.

Just closed on a HELOC with the best rate I found (by far). The process was super easy- I kept…read morewondering what the catch was. Justin was very responsive and easy to work with. I highly recommend this company!

Great team and very professional They are really…read moreinformative too and quick to follow up