A home buying process can be overwhelming and time consuming, but my loan officer, Joselyn Nieves,…read moremade this process easy to understand and delightful. She was so personable and took the time to both answer my questions - even those which I didn't know to ask. Her regular follow-up and dedication to her profession led to an amazing home buying experience for me. I recommend anyone that chooses to do business with PennyMac ask to work with Joselyn if you want top-tier service and confidence in buying a home.

In August 2026 my wife reached out because we had some difficulty during the month of July. Please…read moreread other reviews people with credit scores in the mid 800s were a day late on a payment and they reported it to the credit bureaus. This company literally does not care. We reached out proactively to request a forbearance and split the mortgage payment that was due across the next two months. While they originally seemed happy to oblige the very specific wording they used was that it "does not protect you from credit reporting". That is not the same language as " it is late and will be reported to credit bureaus ". In the consumers mind why would one need protection when the impression is if we make the next payment as required with the additional amount by the due date we would be OK. Instead after I paid the full amount of the next bill due of $3600+ which included $1200+ from half of the previous months bill, within 48 hours they reported a late payment. Perhaps the fact that I paid the bill triggered someone or some system to notify all the credit bureaus of a late payment. The outcome of this is that a very important loan application for a business startup was immediately disqualified because of that credit reporting. My wife attempted to speak to someone in escalations and was met with hostility and incredibly rude behavior from someone in the escalation department who insisted that there was no one higher than them that we would be able to speak to. Our attempts to discuss the matter with a more senior leader, ended with the company hanging up on my wife insisting that they were the final authority on the matter. Frankly, Had they indicated clearly that it would be reported to the credit bureaus when the bill is paid I would have at least been prepared for the outcome. Or I wouldn't have paid the bill that triggered an automatic notification to the credit bureaus until the loan was approved so that it wouldn't have been a year long devastating effect on our credit. We are customers and we are people and we are not just a number.

I've known Franco for over 20 years he is reliable dependable and very articulate…read more I have used his services on countless properties that I've owned in the past and my recent purchase here in Florida. With that being said he has closed my homes from Vegas to Florida. My own mother uses his services as well and she always has been satisfied from beginning to end he is very professional. I believe he takes away the stress of the buying process or investing process by explaining things in detail. If you need a mortgage I highly recommend him five stars is not enough . Thank you JamesZito.com

I chose this loan officer specifically because of the strong reviews and because I wanted…read moretransparency on rates and costs. That's not what I got. Early in the process, I was given the clear impression my rate would fall in a certain range. When the actual disclosures arrived near closing, the zero-point rate was substantially higher, nearly a full point above what I'd understood, and the version I received had thousands of dollars in discount points built in that were never discussed with me. When I raised the discrepancy, I was told it was "the market" and given explanations about what online rate averages "really mean." None of that held up when I checked published data myself. To be fair, the file was handled competently and closed on schedule. But I had to push, repeatedly, before I was shown the full range of rate, point, and credit combinations available to me. My advice to anyone shopping here or anywhere: 1. On day one, ask for the full rate sheet in writing: every rate paired with its exact points or lender credit. Not a verbal quote. Email or PDF. 2. Any time someone quotes a rate, ask if it includes points, and how many, and get the answer in writing. 3.Take that written sheet and shop it with at least two other lenders or brokers. If someone won't put pricing on paper, that tells you everything. 4. Never sign a fee disclosure with points you didn't explicitly agree to. You can decline and restructure at the zero-point rate. I did, and it saved me thousands in cash at closing. Good ratings don't mean you can skip the paper trail. Get everything in writing.

Scott helped guide me through my home buying process! He made sure I got the best deal and made me…read morefeel comfortable in my decision. Thank you.

This was a really frustrating and disappointing experience for us. We were told our loan would…read moreclose by a certain date, but due to thier poor communication with the appraiser and an inaccurate report we missed that deadline and had to pay for a revised appraisal ourselves . later we were told the loan terms had to change to hgher rate and fee because of how our company is structured - something we had disclosed from the start. After weeks of delays and unexpected costs, we had to switch lenders to move forward. It was a stressful and disappointing process that could have been avoided with better communication and attention to detail. We regret not going with other lender from the beginning.

So far Rock on refinance experience. Still waiting on the close date but hopefully we get ther next…read moreweek Ron Simmons

I only have on star because I have to give them one. I wouldn't use this company if it was the only…read moremortgage company available. They're not truthful and when you catch the games they play they just put you on hold and never come back to the phone. ? CC . Ok

Roseann Shannon at 5 Star handled my home purchase. She and the team were great to work with,…read moreanswering my questions, handling issues as needed (there are always issues). They helped me through the process and gave me a great rate.

Roseanne Shannon was absolutely amazing. Her team & Roseann were extremely professional,…read moreknowledgeable & prompt. They addressed all of our concerns with precision & compassion. Due to the sale of our home, we were facing the pressure of finding a home & closing on our mortgage loan all within 17 days. 5 Star Mortgage , aware of this, expiditated our closing in record time without a glitch. Great Job 5 Star Mortgage. We highly recommend them for all your mortgage needs. Tony & Annette Locorriere

Jen was personable, timely, and extremely knowledgeable. I would recommend her to anyone asking!…read more No reservations at all. I trust her expertise and advise explicitly.

If you want to get into a house Jen is your girl. I've been in contact with her for over a year and…read moreshe is very straight forward. She helped my husband and I fix our credit so we can get a lower interest rate and she is always on it. I called her mid June and we closed on our house on August 30th. Being that we are first time homebuyers she made the entire process stress free. I would recommend her to anyone! She is so awesome!

Athena Paquette was our incredible Mortgage Advisor. We are first time buyers and of course that…read moremeans we were worried about everything. Athena held our hands throughout and we are just about done, but had to take the time to commend her efforts, care, and our overall experience. Athena not only took care of her responsibilities, but would reach out to all others involved in the process to make sure they performed and made themselves available to assist us as needed. The personal attention we felt was top notch and I have only experienced that on extremely rare occasions. Good to see that people like Athena are out there and go above and beyond to help their customer. Highly recommend. Athena (if you read this), thank you again for all your assistance, your service was/is top notch. Thank you, thank you, thank you!

My journey with Sophie started with her responding on a holiday acknowledging my application - she…read morehas consistently been responsive and informative. Sophie is a mentor and teacher at heart without being condescending - she also is detail oriented, not to mention having great fee, highly competitive fees and access to various programs and options as a broker. I highly recommend Sophie, as she responds quickly with great guidance and a wealth of experience.

Had the pleasure of working with Paul and his team. He definitely went above and beyond my…read moreexpectations, got me a great deal, and made my experience as a first time home buyer extremely easy. He was able to get my loan approved after two failed attempts with two other lenders. He's very knowledgeable and guided me every step of the way. I would 100% recommend him.

Yay ! I'm officially a home owner in Salt Lake City !! Couldn't be any happier with this location…read moredowntown! Huge shout out to Paul Hasna with Security National Mortgage! Pauls been working with me for 10 +months , patiently letting me weigh all of my options while I change my mind a million times. I found something and they made it happen, all when I was out of the country 50% of the time. I had the best experience possible ! You think you may have an idea, but you don't. Every loan , every home, is different. Paul was beyond accommodating when answering any questions that came to mind, and helped reassure my decisions. I had no doubts whatsoever that I wasn't getting the best deal possible or they weren't working fully on my behalf. I'm walking into a home with an awesome amount of equity already ! I am extremely great full I chose Security National Mortgage. Being self employed sometimes makes you think you have limited options, it's definitely more work and I appreciate all the time that was put into my situation , finding me the best loans and interest rates possible. I am so happy with my place downtown ! Thank you Paul !!

WARNING PREDATORY LENDING! Folks, please be mindful if you are looking to get a loan from this…read moreplace. Everything was going smoothly until it came within days of closing my loan. They asked for a last minute increase in deposit by 5%. They had put me in a situation where they knew if I didn't get the extra 5% down then I would lose my initial down payment as well as the property I was purchasing. They had no reason for it so I took my business elsewhere. A few weeks later they came back to me informing me they could close the loan at the original amount quoted. Which means they could have done it initially but chose be greedy and ask for an additional 5% down. This is the definition of predatory lending. I would recommend using another bank for a loan.

Allison is a fantastic realtor. My family and I needed to sell my aunt's house immediately in…read morenorthwestern Las Vegas when she passed away and Allison helped us do that. It was the first time my family had to sell a house and we live in the Bay Area, California so we needed a trusted realtor who would work well with us remotely. We searched online and even got referrals from friends, but after speaking with multiple agents, we realized that Allison was the person we wanted to work with. We found her on Yelp, read her reviews, did some research, and decided to give her a call. Allison made us feel comfortable from the beginning and guided us well throughout the entire selling process. She has good people skills and is very knowledgeable. When we initially called her, she listened to our family's situation and the challenges we had before she offered her services and explained how she could help. When we met in person, she educated us on the local housing market and provided strategies on how we could sell the house. She told us all the things that needed to be done to get the house market-ready. During the negotiation phase with buyers, she educated us more and helped us make smart counter offers. We felt really at-ease and confident the entire time we worked with her, and at the end we were able to sell my aunt's house quickly and at the price we wanted. Working with Allison remotely was great. We flew to Las Vegas only once to meet her and the rest of our communication were through phone calls, texts, and emails. Allison was able to oversee the house and handled most of the things that needed to be done like getting the vendors over to do certain renovations and making sure their quality of work was good. This helped us a lot because we didn't need to travel back and forth to Las Vegas to do these things. In addition, she was accommodating to our busy schedule and was responsive, which was important to us. She was quick to get back to us whenever we needed to get a hold of her and she updated us frequently. One particular thing we really liked about Allison is that she's very resourceful. She had trusted vendors for all the things we needed to do for the house to get it market-ready. She had contacts for painters, cleaners, handymen, roofers, photographers, and so forth. Already grieving and feeling stressed from my aunt's passing and having to arrange her funeral, we were glad that we didn't have to research much to find these vendors because she already knew people that we could call. Ultimately, we were happy with all the services we received from Allison and we would work with her again if the opportunity arises.

We are extremely grateful to our listing agent, Allison, and her assistant, Erin, for doing an…read moreoutstanding job selling our rental condo in Las Vegas. We are remote landlords, and this was our second time working with Allison to sell a rental property in Las Vegas. The first sale took place in spring 2022 when the housing market was very strong. However, when we decided to sell our last rental condo in early October 2025, the timing was much more challenging. We had to list during the holiday season in a much weaker market, and the condo was bit older. Despite these challenges, Allison guided us through every step of the process with professionalism, exceptional market knowledge, extensive experience, tireless dedication, and great care. From the very beginning in early October, Allison visited our condo to have a thorough initial inspection. She provided excellent advice and practical suggestions for repairs and remodeling before listing. After the kitchen remodel and other updates, the condo looked more modern and attractive. Allison and Erin also did a beautiful staging and arranged high-quality professional photography and a 3D tour, ensuring the property was presented at its best. With detailed market research and a smart marketing strategy, Allison helped generate multiple offers within just days of listing, effectively creating a seller's market for our condo even in a difficult market. After the buyer's inspection, Allison continued to support us by referring reliable, honest contractors who completed repairs at very reasonable prices, making the process much less stressful for us as out-of-town owners. We also experienced a longer escrow period due to reason beyond our control. Throughout this time, Allison advised us to remain patient, kept us well informed, and confidently guided us through the process. Since we were not local, Allison went above and beyond, handling many additional tasks on our behalf to ensure everything stayed on track. Despite the tough market conditions, we successfully sold our condo at a price we were very happy with. We truly couldn't have asked for a better experience or more outstanding service from Allison and Erin. Allison has exceptional knowledge, skills, and experience, and most importantly, she genuinely cares about her clients. We highly recommend Allison to anyone looking to buy or sell a home in Las Vegas. You will be very happy to have Allison as your agent!