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    Jennifer Cho - CB Loans

    5.0 (27 reviews)
    Closed • 9:00 am - 6:00 pm

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    Ask the Community - Jennifer Cho - CB Loans

    Review Highlights - Jennifer Cho - CB Loans

    “She really knows her stuff and was on top of the loan process from beginning to the end...”

    Mentioned in 4 reviews

    Read more highlights

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    We recently had the pleasure of closing a transaction with Julie and the Aragon Lending Team, and…read moreit was a great experience from start to finish! Julie was professional, responsive, and on top of everything throughout the entire transaction. Communication between lending and escrow was excellent, and whenever we needed an update or had a question, she was quick to respond and kept everything moving forward. As an Escrow Officer, I truly appreciate working with a lender who understands the importance of communication, timing, and teamwork. Having a lending partner who stays engaged and works closely with escrow makes such a difference in getting everyone to a smooth and successful closing. Julie and the Aragon Lending Team were wonderful to work with, and I would absolutely recommend them. I look forward to working together again on many more transactions! Thank you, Julie, for being such a great lending partner!

    Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

    South Bay Equity Lending - Jeremy Hall Jewelry Store, Redondo Beach, CA

    South Bay Equity Lending

    (34 reviews)

    This company is the "bomb"! My CPA highly recommended and referred me to this loan company. My…read moreexperience was unexpectedly spectacular in all areas! Andy Elliott, the sales manager and my primary loan officer was reliable, dedicated, professional, trustworthy, available at late evenings, and going the extra mile, regularly! Thalia Cordova, my primary contact loan assistant was unusually responsive on a daily basis! She kept me in the loop, every step of the process! Both Andy and Thalia were genuinely caring and committed to completing my refinance loan, ASAP! I was very pleased with the rapid meticulous handling of my loan! Andy and especially Thalia, assisted me tremendously daily, in order to facilitate my providing the necessary documents required to process my refinance loan! I felt taken care of, important and special to both of them! Andy made sure that he beat every other offer, from other loan companies! Again, he delivered on every promise that he made to me, throughout my loan process! When I had a medical health challenge, they clearly demonstrated their authentic concern and additional assistance with my refinance loan! Thalia had a fantastic attitude and was a total ray of sunshine, on a daily basis! She definitely travelled on the extra mile! My overall experience was impressive, easy and spectacular!! I give South Bay Equity Lending company and their representatives my very highest recommendation!! J. Dender MD Encino, CA

    My wife and I just completed a very important loan with South Bay Equity Lending. This is a firm…read morethat puts the clients needs first and foremost and makes sure that the product selected for the client is exactly what the client needs. The staff is extremely knowledgeable , friendly, professional and always available for any questions. . The staff is guided by a strong sense of professional ethics. I would not want to work with anyone else. If I was not limited to five stars for a rating, I would certainly rate them as high as possible. My wife and I extend our sincerest thanks to everyone at South Bay Equity Lending.

    Golden State Mortgage Solutions

    Golden State Mortgage Solutions

    (12 reviews)

    I worked with Tim early last year (2011). It was the first home for my wife and myself. I had…read morepurchased a condo a long time ago, so I needed to be educated again on all the processes (and changes) involved in a real estate transaction. Time walked us through the whole process, was available at almost any hour for any questions we had, and kept us up do date with every piece of information we needed to move through the process. He kept our agent on track and responded to every speed bump or twist and turn in the transaction with exceptional effort and professionalism. In the year since we closed on our home, I have reffered my younger brother Andrew (which Tim helped him close on his first home), a high school pal, and my good friend Matt. My Brother has since referreed two additional people to Tim to help them get into their first homes. Within the next year my wife and I will be looking to purchase another home and will not hesitate to give Tim a call. He is one person I don't have any reservations about referring to my friends and I am happy to call him a good friend as well.

    I purchased my first home at the end of 2014, and Tim Ashe was my loan officer. I could not have…read moremade it through escrow without his help and guidance. He and my real estate agent were like co-pilots who safely flew me through the storm with minimal turbulence. Tim was able to help when the loan had to be changed from conventional to FHA, and he always kept me apprised of any news that came his way. He worked with my finances to get me the biggest loan possible at a great interest rate, and he was willing to meet with me to answer any questions I had. I always knew what documents were expected of me -- bank statements, pay stubs, copies of checks -- and when they were due. Had Tim not been there every step of the way, I don't think I would have survived 45 days of escrow.

    CB Loans

    CB Loans

    (18 reviews)

    Craig and his team did a fantastic job both getting my mortgage done, and taking care of me in the…read moreprocess. They know the mortgage loan business, and they know how to provide 5 star service. I work on multi billion dollar construction projects, so I'm suspicious of everyone, but Craig and his team earned my trust and confidence in a very short period of time. When I finally called Craig, I was just over 3 weeks into the loan process with the same bank that manages all of my investments, as well as my banking. I even have a mortgage with them on another proerty!! Given all of that, I would have thought that the Mortgage Broker assigned to me would give me great service, and would deliver on assurances I had recieved that they could close within the 6 week schedule we laid out. In fact, I never even got an email, call or sms from the Mortgage Broker himself until I told my Investment Advisor that I was pulling the application. Even though I sent several emails to him directly, I only ever heard from his Loan Processor or my Investment Advisor. Craig and his team at CB Loans were exactly the opposite. They gave me multiple avenues for getting my documents to them securely and quickly. They worked around my hours and and when I could talk. They told me exacatly what documents they needed to get my loan approved, and didn't waste my time with things they didn't need. They made sure they understood my wishes as well as my concerns. And Craig took the time to make sure I was comfortable with my understanding of the details of the process (I moved here from out of state, and it's quite different here). He also got me comfortable with how we would get to the best rate, and worked with me closely on exactly when we ought to lock in the rate so that we got what I think was the best possible rate we could have gotten at the time. I highly recommend CB Loans... whether you start with them, or go to them once you realize "the other guys" aren't going to delvier what they promised, Craig and his team will deliver.

    Scott and Kelly go above and beyond for their customers. They also take the time to make sure their…read morecustomers are happy and provide great support through the whole loan process.

    Civic Financial Services

    Civic Financial Services

    (12 reviews)

    I flip/develop real estate and this was by far the worst lender I've dealt with. When I left my…read morefirst review they told me to take it down or they wouldn't fund. I fear extortion from this review as well. Original Review: I bought land to build on and started a refi for a construction loan with Civic. After 7 weeks and they still had no idea what's going on. The virtual assistant processing the loan is a gopher between me and underwriting. They don't have a settlement statement to review and they don't know when closing is. I am burning time and money at the stake now waiting on them. I regret choosing to go with them, but I will update this review with whatever happens. Update after closing loan finally: Fees were 2% of the loan. Junk fees to a legal team that I can't negotiate. In fact the communication was so awful you eventually just have to give up and hope they give something close to the original offer. But it won't be. There were twice as much fees as their offer. The loan was much smaller, they said they could loan 70% of land with permits, but they could only do 50%. They don't lend on any soft costs. In fact throughout the build, they never fully funded a single draw whether it was in budget or not. EVEN after I finished the build (with my own cash) and had CO, they still wouldn't fully draw the loan. That's playing dirty. I spent thousands in draw "inspection" fees to not even get a full draw, and I did the "self inspections" where we don't have to hire a 3rd party. There was this sort of trick they do where the paperwork says your loan is X, but bc of the way the math work with the land value etc, you only ever get maybe 85% of X. Communication is impossible as everyone you talk to is miles from a decision maker and might as well be an AI bot. Doesn't matter what the sales team said at any point to sell you on the loan, you won't get that. We could never get a closing date out of them, but when we finally did, the morning of they had not sent the loan package to the title company yet still (even though we set the closing date 5 days prior). The craziest part is I went in and signed and closed on a thursday, and the lender didn't actually send the wire until the following monday. They were trying to sneak in a reappraisal without anyone noticing. My title company said they've never had that happen - 4 days after closing they send a wire! Of course they'll bill me for interest even though I didn't have the money. During the process they checked my credit score/report 3 times which is a negative affect on my score. Update after paying off loan: I survived but only bc I raised 5x more down payment than they said I would need to fill the gaps from them not funding. Plus, the fees were outrageous, and no one at the company knows what's going on. I can honestly say that if you need to get a loan from civic, you are better off NOT doing the deal. I promise. Find another lender.

    high interest of 8 percent to 720 plus credit and they didn't disclose to me on a clause making…read moreme pay on loan for two properties that my first paid off property has to pay 120 percent of the principal . that makes me needing to come up with an additional very big amount of money out my pocket just to sell the property. Eli has a good demeanor but overall he is not honest enough lender. I shouldn't know about this fact two years after I'm getting this loan

    Andre Hemmersbach - ACFS Customer Service Team

    Andre Hemmersbach

    (28 reviews)

    Andre was extremely helpful, walking my fiancé and I through the purchase process of our first…read morehome. We started conversations with Andre about a year before we were ready to purchase and we talked with him periodically throughout that time about the market conditions and reassessing our finances. He and his team were available every step of the way. Andre was very patient with us as we had many questions during the process. He and his team often checked in with us to see how the process was going and Andre was able to find us the best rate in a very competitive market which we were very thankful for! I would highly recommend Andre for your mortgage needs!

    We have worked with Andre and his team more than once, and each time they were exceptionally…read moreprofessional, highly service oriented, and proactive. To be honest, I rarely expect "good" service in general from any business, let alone outstanding service. Which is why Andre's approach is an absolute delight. During the pandemic, his team made everything as easy and safe as could be. Andre sent us video messages to explain things that may have been a bit more complex than an email would support (which was fantastic!) and his team is totally responsive. Our family situation is a bit complex and chaotic due to a loved one with significant care needs, so we aren't the most self sufficient and accessible clients on earth. The extra touch that Andre was willing to provide made all the difference in the world to us. If you are looking for great service with a smile, that is Andre and his team.

    Jennifer Cho - CB Loans - mortgagebrokers - Updated September 2026

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