Sergio Angeles and staff are awesome to work with. They made it easy to buy a new home!read more

I am a happy homeowner thanks to Sergio. My family and I have been living in our home since last…read moreAugust and we know his help made this possible. **I was looking for his address to send a thank you and saw the previous review. I am a business owner and feel it is only fair to review a business you have actually had a transaction with- if you got a weird feeling and chose not to move forward- you have that right- but to attack someones reputation without solid ground is erroneous.** I was introduced to Sergio by my Realtor and from day one he was responsive and worked fast. My loan was approved within a month and his cooperation with underwriting in the mortgage company was imperative. The underwriters were asking for documentation out of the ordinary (due to our type of employment) and the sellers were impatient to sell- between an awesome Realtor and very serious mortgage broker my dream has come true! THANK YOU SERGIO! **Previous review has been removed since my original review. It is not appearing in the "Filtered" reviews nor is it showing as "Removed for violating Yelp guidelines". Hmmmm...

James was incredibly helpful, diligent and patient though some serious escrow struggles, he came…read morethrough BIG TIME, during covid, fires, unforeseen life struggles and otherwise.. actually getting us a SUPER low APR, and getting us into our dream home. It was anything but easy but he got it done and we are forever grateful! Thank you James!!

From the owner: The resourceful and skilled team at Concept Mortgage is eager to help you reach your dreams. If you…read moreneed an experienced Watsonville, CA mortgage team focused on precision, give us a call.

James is amazing! He understood the type of mortgage we needed and he handled it very…read moreprofessionally. We would highly recommend James/Concept Mortgage for financing or refinancing your home. When documents are required the web interface they used made it so simple. We are very happy with our loan and would highly recommend James. We will be calling on him again, soon!

From the owner: Whether its your first home purchase or your tenth, Concept Mortgage has tailored solutions to…read morematch you with the right loan program to fit your needs. Our wide variety of loan options include: -Conventional -Conventional with and with out PIM -FHA -USDA -Portfolio and Private loan programs, including, stated income, alternate doc income programs, and down payment assistance options for no money down financing.

My husband and I had a first appointment with Fernando it was the worst customer service I have…read moreever received. He was very rude when I approached him with questions. And when we got there he didn't even offer a chair to my daughter my husband had to get one for her. Also very unprofessional. Buying a house is a family decision. He only approached my husband during the appointment. Asked him so what do you want to do? He needed to ask both of us compared to other realtor and lending brokers appointments that I have been to. And the realtor wasn't even involved during the appointment he was just sitting on the sofa at first until Fernando asked him to get a chair and sit close to the desk. It was all very unprofessional and uncomfortable. Not a good sign to get help from them to buy your dream family house.

Fernando was very helpful and very consistent thought the loan process. He is easy to work with,and…read morealways available to help you. He cares about his job, that's why it's easy to work with,because he keeps your best interest at heart. Thank you Fernando

This company is not performing well in my opinion. The level of professionalism is poor to non…read moreexistent. Everyone of my loans is overdue and there is no pay off on the horizon. Sorry I invested with this group.

After being referred by a friend, I approached Joshua Fischer and the folks at Sterling Pacific for…read moreinvestment advice soon after receiving a lump sum payout of more money than I had really ever had before. The most helpful thing for me was that they did a great job in educating me about mortgage pools before investing. Rather than focusing on making me a customer, or sell their product, their priority was teaching me about mortgage pools and trust deed investment. This was all something that I knew absolutely nothing about. Mr. Fischer was infinitely patent with me even well after it became apparent that his knowledge of these investments so far outstripped my own. This client first approach helped me so very much. The focus on my concerns and interests has been apparent in all my communications with various staff members and I expect it will carry over as I transition from being a prospective client to current investor. Definitely a great resource for those looking to learn more about trust deed investment, or real estate investment in general. When I signed on here intending to leave feedback and saw the other yelp reviews here, I've got to say it was strange to me in that my experience has been so different. I've been given all the information, and education, I could ever hope for, communication was prompt, all contact was professional/courteous and not once was I pressured to commit. That focus on making me comfortable before making me pay was what really made the difference for me.

We have bought and sold 4 homes with John over the last 30 years. He is completely knowledgable…read moreabout the real estate market especially the in the North Monterey and Santa Cruz counties. Because of his vast experience and connections, he is able to move the process along accordingly. We highly recommend him.

We tried a couple of realtors when buying our house, and found this to one to be the most helpful…read more The agent was willing to drive us around, and work with our personal schedules (other realtors acted as if my wife and I had all the time in the world). Over all the experience was great. My only complaint was that the realtor got a little too comfortable and made a few judgmental comments in regards to our personal lives that my wife and I found offensive.

I was referred to loan officer Stephanie Montoya by my realtor, as I was looking for a home in San…read moreBenito County. I have bought/sold six houses in my lifetime, and Stephanie is my favorite broker, hands down. Not only is she the first broker with experience in VA loans for veterans, but she got me prequalified with both a VA loan and a conventional loan. She called occasionally to see how the house search was going, and was always there for advice. I will definitely use her again and highly recommend her to others, especially veterans Stephanie Montoya stmontoya@primeres.com (831) 801-4959