Where do I even begin?? This was such an enjoyable loan process and I'm not sure how common that is to hear. John Medina was my loan officer and he made sure I understood the whole process. He was AMAZING to work with. I was always informed about the progress of my loan and when I had any questions John was there to answer them with full detail. He made sure I understood and learned something new before we hung up the phone. If you are in need of a loan there is no doubt Instant Capital is the way to go. I will be using them again and again for my purchases in the future. I'd give 10 stars if I could. Thank you John for such a wonderful experience!! read more

Paul is an excellent loan broker. He is extremely efficient and very responsive. He helped me purchase a home and he was ready to close in less than three weeks. I highly recommend Paul and if I need another loan I will contact him again. Also, the interest rate was the best available as I compared many lenders. read more

100% perfect. Fast, efficient, no mistakes. Probably my 15th real estate mortgage loan, never been this easy. Solid online platform for uploading PDF's and tracking workflow, but more than that, Paul handled any condition outside the norm of that workflow and didn't dump it on the customer, as can often happen. I would give 6 stars if I could. read more

Paul is a true professional! He is detailed, organized, quick, helpful and always accessible. He made the loan process a breeze! Everything he told me was true. I never felt like I was getting sold a story or excuse. Paul is on top of your loan the whole way through and keeps you updated along the way. I would definitely recommend him to all of my friends and family. You are in good hands with Paul! Extra shout out to Paul for his commitment and service. Paul traveled over seas towards the end of my loan process. Before leaving he let me know the exacts dates he would be gone and said he would STILL be checking his email and loans but that the responses might be delayed because of the time difference. He also gave me contact information for another broker who could help me if I needed something quicker during that time. Paul DID email me while he was gone and kept things moving forward on my loan. He never stops working! Thanks Paul! read more

I had a wonderful experience with Paul. This is my second time refinancing with him and I always get the best rate and the quickest turn around time for my loan. It only took 3 weeks to refinance. Thank you again Paul. You are the best! read more

Paul is very honest and hardworking! I couldn't be more satisfied with him and his work!

I had the pleasure of working with Paul, he is an efficient and well informed professional. I had the opportunity to refer Paul to family members and friends because i feel that everyone should have the opportunity to get to work with a wonderful, efficient and respected professional. Thanks Paul read more

After working with a couple of major banks for 5 months to refinance my home loan, I finally gave up because of delays and unreasonable requirements. I then remembered the company that the last time I refinanced my home loan 8 years ago. Fortunately I still had Glen Snopel's phone number at Instant Capital. Glen immediately recognized me and remembered everything about my old loan. He quickly got to work and closed my loan within 3 weeks while hitting the historical interest rate bottom. Glen closed a $417,000 loan at 3.625% 30 year fixed on June 22, 2012 with minimum cost to me. I will definitely refer Glen and his colleagues at Instant Capital to all my friends and will work with them again in the future. read more

Just finished a refinance with Glen Snopel. It was a second home that was 100% up side down. He did a great job, stayed on top of things and kept us informed through out the process. I would recommend him for any type of refinancing. Great job! read more

We were referred by a close friend. Paul was our agent when we purchased our house. We never knew Paul but we trusted him. We never had a problem. He did everything for us. If you have a question he will respond like a flash regardless of day and time. We also had our car insurance thru his wife and same great service!! Then after 5 years, we got in touch with Paul again and ask about refinance and as usual same great service. He did everything and we got approved in a week. All done!! Highly recommended!! You're the best!! Thank you, Paul. Leo&Darlene read more

Worked with Paul Campos to refinance my house in Encinitas. He was very professional and efficient. The whole process took less than a month! I'll Definitely work with him again in the future. read more

This was the absolute easiest, stress free refinance I have ever done! Paul Campos is fast, accurate, and professional. All important documents uploaded & signed electronically which I loved. He responds to emails as quickly as a text! I highly recommend Paul Campos without hesitation. read more

My Fiancé and I just closed on our first home. It was a SHORT SALE, and the process could not have been more stressful or difficult. On top of everything involved in a short sale, we had a TERRIBLE Realtor. Our Realtor was uninformed and uneducated about the process making everything extremely difficult along the way. However, to our rescue was Ruben Arellanes and Instant Capital. Ruben stepped up big time, and kept us informed the entire way through the 45 days of closing (20 days past original close of escrow). Ruben not only performed admirably as our mortgage broker, securing a great rate and wonderful loan, but truly took over and performed the duties our Realtor should have preformed. It is clear to me, that Instant Capital cares about your purchase of a home, and will do whatever they possibly can to take care of the people they work with. We could not be more grateful and are forever indebted to Ruben and Instant Capital for making our dreams truly come true. I would recommend Ruben and Instant Capital to any home buyer, especially any first time home buyer. I glad to be able to recommend Ruben and Instant Capital. I could not have been happier with how they handled our account and supported us every step of the way. - Martin E. read more

This was the third loan Paul Campos has done for me (2 purchases and 1 refi). He knows what he's talking about, is honest, and straightforward. In an industry where it's hard to know who to believe, I would highly recommend Paul. read more

Just getting around to setting up a Yelp account so this probably won't show up but figured Jon Richardson and Instant Capital deserved to be my first review. Jon was great help and always easy to reach. He helped us with our refi over a year ago and we were so happy with the results that we recommended him to our family. He went on to help my mother with a refi and then my mother in law with theirs. If you are looking for a trustworthy agent that will help you get the best rate on a loan Jon and Instant Capital should be your first stop. read more

Both Paul and Ruben are as good as it gets in the mortgage industry. I am in the insurance industry so I work with a lot of mortgage professionals and real estate agents. Let me tell you, I have never worked with anyone more professional. They are honest, knowledgeable, and FAST!!!! Instant Capital has created a culture of excellence. I would recommend them to anyone I know. read more

It was a wonderful experience working with Paul. He is both professional and knowledgeable. Most importantly, he met his commitments both on closing costs and closing timeline. read more

I had a very positive experience with this refinance unlike others. I selected Instant Capital primarily because of the loan officer, Glen Snopel. He is honest, dependable and provided good advice. I received a refi for 2.875 and it was done in less than 20 days. I highly recommend this company and Glen. - Natalie read more

We had just went through a refinance with Instant Capitol. Paul Campos guided us through the entire process. He was very easy to communicate with. He gave us clear answers and was readily available by phone and email. The process took around 6 weeks to close, mainly because of needed paperwork on my end. I'm very happy with the 3.75 rate we locked in at. I've recommend my family to contact Paul for future financing needs. read more

We worked with Paul Campos to refinance our home. Paul got us a very low rate, with no out of pocket costs. We had shopped around with a few people before deciding to work with Instant Capital. Besides giving us the best rate, Paul was very easy to work with. I had never been through a refinance before and Paul took the time to find us the best loan for our needs, and did a great job explaining our options and keeping us informed every step of the way. He is extremely responsive and it seemed that every time I sent him an email, he had responded within a few minutes with exactly what I was looking for. He is extremely professional and answered all of our questions (we had a lot!), and was good about keeping us posted on the progress. We would certainly work with him again and would highly recommend him to anyone looking to get a home loan or refinance. read more

Very disappointed with Paul Campos, he took me through the whole process and still could not close the deal after saying I was approved for the loan. Besides me paying for an appraisal which the appraiser was inexperienced and unprofessional. Nickeled and dimed by Paul Campos Mike Evans San leandro,Ca read more

I highly recommend Ruben Arellanes for a home loan or refi. We had been burned by Quicken Home Loans when I found Instant Capital, and Ruben was extremely helpful putting things right. I couldn't be happier with the loan we got, and the process was much easier than I expected. This is the company you want to work with, hands down. read more

Paul Campos recently handled our mortgage refinance and he was amazing! We couldn't believe how fast and smooth the whole process was. We would highly recommend him! read more

We are so grateful to Paul Campos at Instant Capital for financing our first home! We started our endeavor over two years ago and I literally spoke with 16 other lenders. I quickly realized he was my favorite. He answered all of our questions and helped us explore all of our options. He is kind, professional, honest and always available. When it finally came time for us to make offers he was available at all hours and answered emails immediately, even on weekends! Not only was he a pleasure to work with but his rates and credits were the best! Thank you Paul! read more

Paul is fantastic. Reading through the existing reviews here, and everything is dead on. A year ago he helped me refi and it went perfectly. I recently reached out to Paul with an urgent question about an unrelated loan with another mortgage company. He responded super fast, and was direct and accurate - and this was Easter Sunday! I can't speak highly enough of this guy, five stars doesn't even break the surface. read more

I worked with Paul Campos from Instant Capital on a purchase home loan for a mutual client. As a realtor, I have worked with many different lenders through the years, and I have never worked with such a professional, effecient and quick lender. They were able to close our 30 day escrow in 2 weeks, while keeping me updated every step of the way and my client was ecstatic with the rate and fees...thank you Instant Capital, I can't wait to work with you again!!! read more

I began working with Paul as soon as I got papers from another broker telling me that my rate was 4.5 percent ( credit score of 680) the other broker assured me I would get something below 4 percent. He wouldn't return my calls or emails. After I got the papers I gave Paul a call with three weeks left on the loan. Paul was on top of it. Not only did he get me a rate 3.625 for a condo purchase he was on top of everything and was able to close with the escrow deadlines. This guy was amazing a loans. My other broker started calling me after he realized I was working with Paul and didn't sign those papers and assured me that 4.5 was the lowest I could get. Good thing I found Paul. He literally saved me almost a 100,000. Go with Paul if you want to deal with somebody who knows what they are doing is on top of things and can get you some amazing rates read more

We had the pleasure of working with Vanessa for our home refinance. The process was long (3 months), but Vanessa worked diligently to get the loan completed and kept us in the loop every step of the way. She treated us as if we were her only customers, which I know was not the case. I definitely recommend Instant Capital to anyone who wants personal customer service and excellent rates. read more

Ruben at Instant Capital was an amazing broker and I'd highly recommend him to family, friends and anyone who will listen. My loan closed a few days ago and I couldn't be more pleased about the whole process. Ruben was with me every step of the way; he explained the process in great detail to me (I needed it) and he was available 24/7 to answer my questions (I had many). I felt like I was working with a good friend who wanted to help me find the best deal. He is extremely knowledgeable, friendly, sincere and honest. To me, these qualities are of utmost importance when making such a huge financial decision. Start to finish the whole process was quick and painless! I feel very fortunate to have found Ruben to work with. read more

I found Paul Campos from Instant Capital online (via Zillow) when I was looking at mortgage quotes. They offered a great rate and reasonable pricing, and it came alongside tons of great reviews. I was a little skeptical because the reviews seemed TOO good, but they must be legit because Paul is great at what he does. I used to be a mortgage underwriter, so I'm pretty familiar with the process. But Paul did everything super quickly, was very responsive with any email or question I had, and he helped us close our loan very quickly. All in all, I can't think of anything negative to say, and I would certainly recommend him to any family or friends. I certainly don't think I'll need another mortgage anytime soon, but if I do, I'm calling Paul. Thanks! read more

Jon Richardson at Instant Capital is the BEST!! He was caring, patient and made the process go smoothly. He provided options, recommendations in plain language and communicated with us very well and we always knew what was happening. HIGHLY recommended!!! read more

I got in contact with Paul via Zillow and I was a little leery at first, not knowing if a site like Zillow was going to send me quotes from very reputable companies. Thankfully, I got in touch with Paul Campos! Paul Campos consistently went above and beyond helping my wife and I refinance our mortgage. We had a pretty interesting situation as we were refinancing a new construction loan. Paul originally helped us secure a fantastic rate, but when our construction payments from the original loan got delayed a couple weeks we had to switch gears and find a new loan. Paul found us an even better rate (3.5%, woohoo!) and worked tirelessly to have the entire process go as smooth as possible. He was incredibly responsive and knowledgeable and made this process so easy and comforting for us, which was a huge blessing considering we were in the midst of the stress involved with building a home. Thank you Paul for your wonderful efforts! I would recommend anybody to Paul and nobody else. read more

Paul Campos was absolutely amazing for my refinancing. He found the lowest possible rate on the market, which turned out to be even lower than the flashy rates advertised to get you interested in buying a loan... and the whole process, from the first email to the actual funding took exactly 29 days!! He was very professional, always present and available, he even sent me the load documents to sign quickly one night, directly to my house with the escrow lady, so I could be done before I left town for a few days. Incredibly efficient and reliable, I highly recommend him. read more

"This is by far the best, most responsive and professional lender you will ever work with. Paul Campos is a hands on lender, who will always be 2 steps ahead of you. Have your paperwork ready and things will go very smoothly with Instant Capital. Highly recommended." read more

Paul Campos is very easy to work with. We used Pauls services 4 years ago when we originally purchased our home. I felt like he made every effort to make our experience as easy as possible. So when I decided to refinance he was the first person I contacted. Once again he made my experience with the refinance as easy as possible. I will always refer Paul to anyone I hear who is looking to buy or Refinance. He'll always look after your best interest and work hard for you. read more

There is no one better or more honest and responsive than Paul Campos. I got burned on my first home loan so was VERY wary when looking for a refi and interviewed about a half dozen loan people. I kept coming back to Paul. No one could match his honesty and responsiveness or his closing cost! And when we began the refi, his patience was saint like! I asked a TON of questions throughout and he answered each and every one quickly and honestly. He treats you like you are his only and most important client - it's so refreshing. He and his whole team are completely transparent throughout the process. And they GET IT DONE. When I finally chose him, the appraiser was at my house within a couple days and we were ready to close within 3 weeks! And we actually came in UNDER the original closing cost quote! I will not use anyone else now for any future loan needs. And you shouldn't either. When you read all his glowing reviews it seems too good to be true but he just REALLY IS THAT GOOD! read more