Great job.....! Thank you RPM and Mike for everything you do!read more

Mike & his assistant Kelly were so supportive and truly a crucial part of our first time home…read morebuying experience. Without their guidance, sense of urgency and availability literally day and night, we would not have been able to fulfill our dream of owning our very first home. Not only did Kelly and Mike respond right away to all questions and concerns, they were always friendly and informative in dealing with our 'learning curve' as first timers. Mike provided a pre-approval letter for us in less than 24 hrs to submit with our offer and was able to bring our escrow to close in 21 short days. I highly recommend this outstanding team! Thanks again Mike & Kelly, you're the best!

I have been working with Dave for the last few months trying to find a new house. He was very…read morestraight forward and honest with our financial situation. He was able to qualify us for a great loan amount that wouldn't have us over stretch our finances every month. We put multiple offers on houses and Dave was always there for us to send the selling agent all the documentation needed. The dedication Dave has for his clients is unreal. He submitted financial documents need for our offer on a Sunday afternoon. I don't know how many people would stop what their doing on a Sunday to help a client. But Dave did for us. We are extremely happy with the service and dedication of Dave. I refer him to everyone I know trying to bye a house. Thanks Dave!

Dave Hopkins did a great job shepherding us through the loan approval process earlier this year. He…read morewas generous with his time in talking about the real estate market, the various loan options and the approval process. He told us the first day what Rancho Financial (or now Skyline Home Loan)'s origination fee would be, and it in fact turned out to be exactly that much, which is much appreciated. Dave was always professional and always there when needed as we approached closing. I can definitely recommend him.

Jon Finley is your guy if you want a mortgage broker that NEVER RETURNS CALLS/EMAILS and LIES!…read more Jon came highly recommended to us by friends. We called him, got him our documents...and waited. Waited about a week. After that first week, Jon replied to my email indicating that he had submitted our loan and thought we'd have no problem qualifying for much more than we wanted. Several emails from me and a week later (with no response), I caught him on the phone. During that conversation, I mentioned my work situation being "part-time". "You work?" he said, very surprised. I told him that my W2, and paystubs were included in our package of information that he (according to his account) submitted for approval. He seemed stunned ...and caught in his lie. Obviously he never reviewed our documents and never submitted any loan for approval or he would have known this. We should have known then to move on. But, we gave him another shot. Weeks pass...no response whatsoever to my numerous(!) emails and calls. Finally I ask him to send me a list of when and to whom he submitted our loan for approval. Guess what? Again, no response. If you're considering Jon Finley for your loan needs, don't even bother. Evidently, he doesn't want our business (and we're an easy loan, with great credit). I'd be surprised if he wants yours...

Wow, I'm astonished by the previous review. I've worked with Jon on several mortgages for my…read moreclients and have had nothing but positive reviews. After reading Lisa's review I was concerned and called Jon, as I refer many clients to him I wouldn't want my clients to be handeld in the manner Lisa describes. His side of the story is much different than what Lisa had painted. He's been responsive and knowledgeable and I have had no issues referring my clients to him. Even the bad review from Lisa said Jon was highly recommended by her friends.

I got Sean McLaren at Nova Home Loans as a Reference from a friend who also was the realtor who…read morehelped me find my home in 2009 You gotta be able to trust someone with a few things that are important. Health obviously, purchasing a home and refinancing that home. I've been around the block many times, lived in a lot of different houses so I know what I'm doing. I'm also a LCSW therapist so my radar on people is pretty good and my gut is trained to pick up on things with clients, like subtleties and integrity. First of all I had checked out lots of options. Sean got the best rate with 30 day closing during the pandemic which wasn't happening elsewhere. And there was no pressure like at places at online services. You can tell when they are hungry and more concerned with your business than you Sean checked off all my boxes on being a 10 star stand up guy. He's direct with details that are important, and he is efficient and responded promptly to my text calls and emails. He guided me in the right direction when I needed it. He's personable , professional and has great communication skills. He's good with details and follow up. I'd recommend him for the many things he did right. So for a those who are looking. Don't miss out on this great opportunity to work with Dean Wendy Dan LCSW

Very Professional. I felt like there was no need for me to constantly call, check in, or be…read moreconcerned because I knew that the loan was being handled. As a Realtor, it allowed me to focus on my job and provide better customer service to my client. Which makes my clients happy! I've also had the experience of Sean calling my clients after the transaction to check in. He does his best to be extremely competitive on rates and honestly tells you whether the "deal" is too risky. Any lender who doesn't force the SALE is the kinda guy I work with. Honesty is the key to longevity in Real Estate and Lending. Jason

Thanks to John Gillis and Steve Chizmadia for bringing me out of Yelp semi-retirement to let those…read moreout there know what to expect if they are considering having ACHL handle their home loan. As a neophyte to the refinance process I was recommended to American Capital Home Loans by a friend and I dove right in to get a great deal for my home refinance completed in an expeditious manner. I was encouraged to opt for a VA loan for which I didn't know that I even qualified for since I was a reservist (as it turns out I do qualify...no thanks to them though). It was a good interest rate for the time and my financial advisor with Merrill even indicated he couldn't match the terms, so I didn't shop it around any more. Initially things were progressing after we provided the herculean amount of financial documentation required to complete a loan these days, but then we ran into the snag of questions regarding my ability to qualify for the VA loan. Nonplussed, I took it upon myself to undertake this investigation since Steve Chizmadia and the underwriting team were unable to establish what documents were actually required nor how to acquire them. Finally after expending the better part of 20 hours of my own time researching sitting on hold, faxing, emailing and speaking with the VA, Naval Personnel Records, and the ACHL underwriters, I was able to attain the Certificate of Eligibility (COE). By the way, during this entire process, I was constantly asking if this loan was going to "go bad" because of how much time it was taking. I was reassured that if we completed all necessary documentation by December 23 then we would be whole and the loan would proceed as indicated. On December 23rd I was informed that the loan was never locked and that the terms of the loan as I had understood them had changed. I was deftly handed off to John Gillis who acts in a managerial capacity for ACHL. He told me that I was "being emotional" and that he "didn't pay people to do loans"...I would never speak to my customers that way, and certainly not ones who had lost thousands of dollars based on the flummoxes of my staff. He said he would get back to me by the end of the Holiday week with options. John called me on Saturday to discuss the terms of the new deal, but refused to accept anything resembling accountability for the issue with the lack of locking, nor did he disclose what the difference between the terms of the original loan were and the one he was proposing (I know there was a difference, but he wouldn't do the math for me). He called the lack of locking and change in loan terms a communications mix up. Long story very long, I elected to go with another lender (whom I will in fairness write a review about separately and not mention here). They offered much better closing terms, the same rate, and they didn't have the baggage and ill-will that were the result of the repeated lack of customer service and undelivered promises that John Gillis and Steve Chizmadia delivered to me and my family. I do not recommend this loan provider and strongly recommend shopping around and comparing terms as a home loan is a huge commitment.

Everyone at this Company are positive, up beat and truly care about the way their clients feel…read morebefore, during and after the closing of their home loan. It is a rarity in today's age of "fill out an application on line and we will let you know next week" mentality. Carl & John were fast friendly and they even got me better terms on my financing package than originally agreed upon. :)

I just completed a refinance with Dave after he was recommended by several neighbors. Purchased a…read morecondo in 2017 and had to initially go with the lender that was recommended by the builder. I was paying PMI, which would be required for a few more years. Dave was able to help me with a refinance and the process only took 2 weeks. He got rid of the PMI. As a result, monthly payment has decreased saving me thousands in the long run.

Dave LaRose was friendly and easy to work with. Dave was very informative, patient, and responsive…read morethroughout the entire transaction. His experience and thoroughness helped remove PMI and lower interest rate.

I was referred to Todd by a co-worker. Todd contacted me, I explained him my situation and, in no…read moretime, we began the refinancing process. This was the first time I refinanced my condo since I bought it, so I was a bit afraid about all the paperwork and what not. Todd and his staff made it really easy and stress-free. I would get updates, every step of the way, on absolutely everything that was happening with my refinancing transaction. I was getting weekly phone calls from Todd's assistant making sure she can answer any questions and, if she couldn't answer them, she would have Todd call me instead. They were all very friendly, professional and modern. Everything was done electronically (except the final Escrow paperwork) and hassle free. From filing all the paperwork, to signing the Escrow papers, it was a great experience overall. Thanks so much to Erin, Andy, Lori and of course Todd for all your help! I would most definitely recommend Todd and his staff for all your refinancing needs!

Todd Swanson and his team was an absolute pleasure to work with. He has made refinancing my home…read moreloan an easy and seamless process. He answered all of my questions and went out of his way to make sure that I was comfortable with each step we took toward the completion of my refinance. His line of communication was open all hours of the day and his short video explanations through each phase of the process provided a new, unique, and refreshing experience. From the beginning, Todd took the time to understand what my goals were and based from his consultative assessment, he provided me with a customized and realistic plan to achieve those goals. In short, Todd was able to save me $403 per month on my 30 year fixed loan with no cost out of pocket (with the only exception of the appraisal fee). He also did this with out adding any extra cost to my current balance on my total loan. If you are looking to save money by removing the PMI/MIP from your home loan or looking for a better interest rate that will save you money in long term, you can't go wrong with Todd Swanson! It will be one of the best decisions you will ever make! -Michael T.

I am a Realtor and have worked with several loan officers over the years. I met Tim about 3 years…read moreago and have only worked with him since. He is a fantastic and knowledgeable loan officer and branch manager. I always work with Tim because he is very thorough, great with clients and always give clients several different options for multiple loan programs. Another great reason to work with Tim is he always answers his phone, loves what he does for a living and is there to answer any questions you have. All of the loans we have worked together on have closed on time or early and with no issues. I highly recommend Tim Austin if you are a Realtor, a potential home buyer or need to refinance, you will not be disappointed!

I worked with Tim twice. The first time was that I bought a house in San Diego where he assisted…read morewith the mortgage stuffs, the second was that I did the refinance to my house. My house mortgage case was very complicated, because I was an international buyer who required my family oversea to prove my ability to pay the mortgage. Things like translating between two different languages and dealing with banks in two different national systems were really convoluted. Yet Tim and I successfully worked through many barriers and finally came to close the deal. He showed his effectiveness, energy, and profession. Tim is very responsible. He was proud of being able to close the clients' deals in 21 days (most agents do 30 days), but because of my mistakes he was not able to make this goal. But he took the responsibility and used his money to cover some of the expenses on the closure. (I decided not to use that money). And yet, we made it in 27 days, which is really an accomplishment. Tim has the ability to find best deals. In the second, refinance case, the mortgage interest rate he gave me was much higher than that given by other banks. But it was an excellent deal for two reasons. Firstly I didn't pay anything for the deal closing except for $250 for some escrow service, and secondly I got a ~$8000 refund from various terms. The deal was exceptionally great