My husband and I recently purchased a home with the help of Byron, Jinny, Derek and Russell. I…read morecould list a hundred reasons why I love this group so much, but a few that stood out are: 1. From day 1, they've been very honest and transparent and there was never any surprises that could push back our escrow. If they thought that we would have possible issues, they told us upfront and so we were always prepared for anything. 2. If it's your first time purchasing a house, terms and numbers are confusing. But they've explained everything to us so well. And if we found a house that we liked, all we need to do is send Byron the address and he would email us with the numbers which really prepared us for anything! 3. They're all easy to reach. I could email now and get a response in less than an hour, and if it's important, I could get a call back in minutes. 4. Customer service skills is unparalleled. 5. They give you cookies from Cravory cookies (which is to die for). And once Russell found out that we loved the cookies, they sent us another box! So if I could give them 10 stars, I would. We've had such a great experience with this team, and would highly recommend them to our friends and family.

Came here on a Monday evening to discuss and start to understand the (first time) home buying…read moreprocess. I had been receiving detailed instructions and assistance from Byron Watson and his team on how to find the place - and they're located across from the Irvine Spectrum, on the 7th floor of the Smile Brands building in Irvine! As I was ushered into the office, I quickly saw that they were ready for my visit. I was greeted pleasantly by the staff and noticed a welcome board with my name on it - wow, impressed already. After some pleasantries, we got some water and got to work. Byron was extremely helpful and patient when explaining every detail of the home buying process that we could get to in our two (2) hour time frame. This meeting definitely increased my confidence and willingness to buy a home, and I'm glad Byron and team were there to show me the first step! Will remain in contact with Fairway and Byron throughout the purchase and financing process. A very professional and informative experience that is really valuable - definitely recommend to anyone that's new to this stuff as well :)

Mike was awesome to work with during my home refinance. As a new homeowner (and one that is always…read morelooking to save, yet doesn't know exactly how to do so), Mike was incredibly helpful all throughout the process. He educated me on the pros and cons of doing so and also made it very applicable to our specific situation. It's important to note that this all happened during the first six months of the pandemic where there was just so much uncertainty. All in all the process took maybe 3ish months from start to finish and we have been happily locked into our new rate the last year and a half or so. Throughout this time he was incredibly responsive, sending text replies within minutes of me sending off any questions (but not so responsive that it became unmanageable). Communication is so important and doing it right means you always earn my business. I plan to continue discussions with Mike for future similar inquiries. Thanks, Mike!

Our amazing financial journey with Mike Lee began in the first quarter of 2021. He was referred to…read moreus by an amazing Real Estate company, Livingstone Realty Group. We were looking for ways to reduce our debt. Mike was and is very professional. He guided us through the process and offered personal professional assistance at anytime of day and the few times that we needed questions answered late into the night, he was there for us both times. Yes, that's not a typo. He facilitated our cash out refinance and the last quarter of 2021, he facilitated a refinance to further reduce our interest rate!! He is an amazing mortgage broker and we highly recommend him for anyone who needs an honest, thoughtful, professional, and genuinely caring person whom you can trust has your best interest at heart. As we move forward into semi-retirement, we are relatively debt free thanks to Mike and his guidance while facilitating our financial needs. He is simply the best of the eight mortgage brokers we have used in our property purchases and refinances. Gail and Rufus Thompson

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

Spencer is awesome!He got me a great interest rate,he's Very responsive to messages,Emails and…read morephone calls.He took the time to answer all of my questions.Everything happened the way he said it would and within the timeframe he promised.I highly recommend Aware mortgage!

Spencer was great through the whole process. We were in escrow on a home out of state and had some…read moreissues with the lender we were originally with. We got ahold of Spencer and his team with only 10 days to close. They went above and beyond to make sure the closing costs were where we wanted them to be and to close on time. I cant recommend Spencer and his team enough!

I'll start by saying that I'm typically cynical of real estate agents due to some bad experiences…read morein the past. However, Bob completely changed the way that I view real estate agents (and the value that they can provide). We just moved into our dream house in Aliso Viejo thanks to Bob's experience and strategic thinking. Bob is a highly-skilled and experienced agent who understands the pulse of the market and is able to provide expertise during the search. When we started our search, he showed us a house that was at the upper end of our budget. At that point, we were ready to move forward with an offer and considered canceling the other scheduled viewings later in the day. Bob insists that we see the other homes before making a decision. It was extremely good advice as we ended up falling in love with another house that happened to be priced $200K less. Any other agent would have jumped to close the deal, especially with the potential of high commission on an expensive house. However, I felt like Bob was constantly looking out for our interests. When it came to presenting an offer, Bob worked with us to structure a unique offer that allowed us to compete on a hot property (and ultimately win). Afterwards, we learned that we were not the highest offer either (among the 28 submitted offers). However, due to Bob's networking and strategic thinking, we were able to construct a compelling and persuasive offer that allowed us to stand out. Lastly, Bob is a relationship person who has a strong network and presence in the area. This can be extremely helpful when in a hot market, and can honestly "make or break" the situation. Bob is also extremely responsive and dedicated. There were several times during the process when we were anxiously waiting to hear back from the selling team, and Bob would proactively contact us with updates. He even drove over to speak with the selling agent when he wasn't getting a clear response. That was above and beyond our expectations. Again, Bob broke my perception of real estate agents -- he provided so much value to our search. I honestly believe that his expertise, experience, and emotional intelligence helped us to get our home. Long story short -- don't hesitate to hire Bob for your next home search. He is an honest and trustworthy person who has your best interest at heart and is willing to think "outside the box" to help his clients get their dream home.

The Inspira COBRA group are amazing! I never thought I'd say that about an insurance company,…read morehowever, Elizabeth (AKA Ashley) has impressed me with her caring, thoughtful service. She understands my position, is supportive, kind and communicative. I wish I had 10 stars for her, I honestly can't articulate how wonderful she is.

I have worked with Paul a couple of times and he has been great to work with! He advised me along…read morethrough the entire process of the information I needed to provide, always patient and always available to talk. He kept me apprised of the status constantly. He is always very professional and friendly and I greatly appreciate working with him to secure the best terms available. I HIGHLY recommend Paul!

From the owner: Home loans at the lowest interest rates and costs, closed smooth and fast. read more

Worst company out there in Mortgage industry. No culture, no values, Tri- Emerald isn't a company-…read morehad to lose there company name before they do fraudulent things and now there Lend Plus. They have people make sure up there reviews, comments. I feel sorry for the investor that invest in there make believe company and numbers they fake. They will never give you give you a call or email back. They don't pay their employee's what they own them. I could go on... but it's a waste of time and energy.

Bottom line: the young, eager staff works very hard to get their customers loans, but the…read moreTri-Emerald Management team can't close the deal. We attempted four concurrent refinances and our mortgage banker (i.e. low man in the chain of command) worked extremely hard to sort through our complex applications to find loans for us. Of course, we also worked extremely hard to provide reams of documents for their underwriter to give in-house approval but we finally (supposedly) got that approval for loan packages that we approved. We paid for four appraisals and waited. And waited. And waited. When things were going well, our mortgage banker (and his boss) promptly returned all calls and answered all emails. As soon as there was a problem, they wouldn't return calls or emails. When things were going well again, calls and emails were promptly returned. More problems, unreachable. When I could actually reach the M.B. (they ALL use Caller ID to NOT answer calls when they are in avoidance mode), he gave us effusive assurances and guarantees and said the loan was in underwriting and we would fund within days. (I swear, three out of four months our loans were bouncing around in underwriting, despite having been supposedly approved and re-approved, and always 3-4 days from funding.) In the end, the branch VP send a memo to the group working on our loans saying that "by the client's own admission", a payment to an existing lender was not made for the month of April and they had to deny all of our loans. She totally lied!! They had all of our bank statements showing each and every payment for one entire year. We got jerked around, lied to, and were finally completely avoided - no calls taken, no calls returned - just because they somehow botched four fundable loans (we promptly got four loans through BOFI). We missed out on rates 1/2 point lower and paid two thousand dollars in wasted appraisals. And, we will never know exactly how they screwed up and why they lied to cover it up. There are many other qualified lenders and brokers out there - use one of them and avoid Tri-Emerald.

This is a very much needed firm for anyone seeking a mortgage on a Laguna Woods co-op…read more My experience was positive with this group, from interface with the CEO to individual staff members. Carolyn Behrens went to bat for me when the lender insisted on a 25% down payment instead of 20%, which I actually put down. From start to finish, this group is professional, efficient, and best of all, on your side.

Responsive & Helpful. THE place to call if you're looking for financing on a Co-op - especially in…read moreLaguna Woods.

I was able to speak with Helen this morning and she was sooooooo helpful…read more I had some questions about home buying and needed some clarification on some things; and Helen was the BEST! I highly recommend giving her a call because she knows her stuff and will help you in any way. Thank you Helen, and thank you Orange County Affordable Housing Clearinghouse!

Hi Hugh, With great appreciation to you and your team for…read moremaking this process so effortless and stress free. I have already recommended you to three of my friends. Wishing you all a wonderful holiday season!! With regards, Rosie

Top notch service from Hugh Wang. My wife and I took a chance on Hugh a while back and we had no…read moreidea what we were going to get from him. Now currently, we have worked with Hugh multiple times and every time has been a wonderful experience with fast and efficient work. Hugh always manages to find the best prices for what our needs are requiring. He is well educated on the process and was able to answer any of our questions with ease and without him on our side we would have been way lost in the process. My wife and I will continue to work with Hugh whenever we are in need of his assistance and we 100% recommend that you do the same.