We have dealt with Ken Lawrence for several years thru multiple Real Estate transactions, and have…read morebeen impressed by his honesty, integrity and knowledge of the real estate industry. Ken makes himself readily available for his clients, offering them advise at any given time. He offers excellent service and a quick response to all calls and questions. The entire loan process is always made simple and quick as Tiffany (Ken's Assistant) kept us informed throughout the entire process. I HIGHLY recommend Gem Mortgage to anyone looking for a good honest company with competitive rates and amazing service.

These people a gems!!!!! From first home buyer to down sizing they know their stuff and will help…read moreyou get into a home. They know about programs designed especially to your needs.

Ricardo Duarte is one of the most experienced brokers in our city with decades worth of knowledge…read more I don't think we could've had a better person to help us purchase our home. Truly recommend working with them

Their name should be changed to Incompetent Home Loans. This is my third home purchase, and the…read morelender has delayed the easiest home transaction over a week because of the simplest clerical errors. Move date was pushed back 5 days because of the wrong numbers on buyer's CD, then another few days for the wrong date. A 6-year-old could produce better results. They should be ashamed for having such an idiotic lender that can't even record numbers/dates correctly. This lender doesn't even deserve a cashier position at Taco Bell. Pick any other lender if you can.

Was helped by a Roma at the teller area, she was very friendly and patient. Straightforward and…read morequick service while also prioritizing my privacy, which is very important to me. Have had unfortunate experiences with other CUs in the area and this interaction was a breath of fresh air.

Palmdale,CA I did a…read morewalk in, and the wait time is over 2 hours, so my SO and I decided to run a few errands first and came back. When we returned, another staff member at the front desk let me know, "If the next person doesn't show up, we will take you in." Music to my ears - and not long after, they called my name. The lady who helped me open my account is thorough, knowledgeable, and patient. She answered all my questions clearly and even offered helpful suggestions, like their low-interest credit card options and the higher interest rates available with money market accounts. I am new with this local bank, and the account - opening process was smooth and easy. I'd recommend making an appointment if you want to avoid a long wait. Private parking lot. Refreshments offered at the waiting area which is a plus.

1st off, I wanna say Justin Sorsabal and his team worked miracles. I have been struggling with…read moretryin to buy a Home since 2008. Justin and his team was excellent, they helped with the ease of buying a home and with all the necessary paperwork, his team was friendly, patience and wonderful at explaining each and every thing that was signed. I just wanna say thank you, again and I have since recommended them to my friends. Me and my family are extremely happy with this Company

It's time to write a long over-due review of the experience I had while purchasing my first home…read more Almost three years ago I started the process of looking to purchase my first home. My son was approximately one year old, and I was soon graduating with my Master's degree, which meant I had student debt that I would soon have to plan for; I knew I needed to get on it. I worked with a loan officer of a finance broker's office, and I went through three different Real Estate Agents locally based in Palmdale and Lancaster, California. Those experiences were frustrating and disappointing, a waste of time. I did everything that was requested of me, submitted, and resubmitted misplaced documents, clarified information which I had already clarified, and viewed homes which I was not interested in, but did so because I was told there was a shortage of inventory. The agents lacked experience, gave me information that I know was wrong, or simply weren't motivated. The real estate agent, just didn't have enough follow through to even care about completing the deal, and my loan broker, was the worst of all. Both loans he structured which I submitted on two different homes, fell through, because he structured them incorrectly, and was not fully knowledgeable on his loan programs. Although he claimed to have years of experience, he blatantly told me there was no way I could obtain a loan. I didn't stop my home search, and somehow I was fortunate enough to find Tyler Havens. Tyler, put me in touch with his loan broker, Justin Sorsabal and his coordinator Tracy Stewart; and I was even more fortunate to have my closing done with Sharon Rohaley and her right hand Diane Combs. It is only because of the persistence and patience of these individuals, that I found my first home, and was able to structure the correct loan to complete my purchase, and close escrow smoothly. You see, what I never told to my first broker, and subsequent agents when I started my home search (and may be news to Justin and Tyler if they read this), is in a previous life I was an escrow officer, and another time, a loan officer. I knew my credit, what loans I qualify for, how to spot in-experience, and most importantly, when I was being misled. I had even began to think that perhaps there are no reputable agents and brokers in my area. Which is why I feel fortunate to have come across Justine and Tyler. This is not just a house, this is my home, my home for my family, and I cannot thank everyone enough. Justin Sorsabal Dignified home loans LLC 41235 11 Street West Palmdale, CA 93551 661.269.6900 Sharon Rohaley, Escrow Officer Diane Combs, Escrow Assistant Regency Escrow 44145 20th Street West Lancaster, CA 93534 661-948-1828 Tyler Havens Havens Realty 25124 Springfield Ct Santa Clarita, CA (661) 977-6450

If you're a business owner and self-employed, you probably already know how challenging it can be…read moreto get approved for a mortgage. Some lenders make the process feel outright impossible. Working with Albert was the complete opposite. He understood my situation right away, clearly explained what was needed, and stayed on top of everything to make sure we closed on time. One thing that really stood out was the extra effort he put into communication. Whenever he sent important emails, he included personalized YouTube videos he recorded specifically for me explaining what everything meant and what I should be paying attention to. And I'm not talking about generic videos he sends to everyone. These were PERSONALIZED walkthroughs where he actually took the time to explain the exact email he sent me so I fully understood what was happening at each step. That made a huge difference for us. He was always responsive and patient with our questions, and proactive throughout the entire process. I honestly don't think I had a single message or email go unanswered for more than 15 minutes. He was also always available to jump on a phone call whenever I preferred to talk things through. Really grateful for all his help getting us across the finish line on our new home. Couldn't have asked for a better person to work with during such an important step for our family. Highly recommend working with Albert if you're looking for a lender.

We were referred to Albert right after we were told that it wasn't possible by another lender. We…read moreprovided all the necessary documentation to allow Albert to review our financial status. He responded within a day with an acceptance letter. Good news for us. We looked around for homes which took about a month to find one. Submitted an offer, offer accepted! The process from there on was very good with no problems. All thank to Albert. He is very knowledgeable and professional. Thank you Albert

Silvia was amazing to work with. She guided us through the entire process, kept us informed, and…read morewas always there when we had questions. We're so thankful for all her help and the support of her entire team. They made the experience as smooth as possible from start to finish. We highly recommend MMC!

Andy and his team were a pleasure to work with! Unlike most lenders Andy and his team were able to…read moreaccomplish milestones during weekends and always had a calm approach. They had great programs. Would definitely work with him and his team again.

If there were more stars I would give them. Judy and her team were amazing. They made the…read morehome-buying process smooth and easy. They were so great at communicating and helping with everything. They made it clear what we needed to do and were available. Judy helped us understand what we needed and also helped explain things to us. We are so happy with our choice to use them!

I called Home Depot 1-800 number applied for a loan online through their portal…read more They sold me a loan with a higher interest rate in order for me to not have to escrow taxes and insurance. Their appraisal process was horrible the first appraiser never showed and then said that since the property was larger than normal they had to charge double. After we agreed to the new rate never showed up and then said that it was not worth his time to do the appraisal. They had to get someone else to do it which was no issue. But I still got charged the more expensive rate. The closing process was a nightmare they send me six closing HUD statements via the portal for my approval. Then they had the title company changed the deed / title in order for us to go forward as I am in Florida and they are in California they did not approve the way it was done in Florida. Which caused me more money. After going to closing signing all the documents and waiting the 3 days of right of cancellation they funded the loan. At that point I was notified by my closing title company that I was going to be receiving less money and that loan Depot without my permission had changed the closing documents including the HUD they literally increase my payment gave me less money without my approval. I left messages with loandepot which they did not reply to. One of their agents called me to apologize that they had an issue had forgotten to add the flood insurance and they were escrowing it. I filed a complaint with the government agency that oversees the lending Banks loan Depot replied that my complaint was correct and that they had made an error but that the case was closed and that nothing would change. In conclusion I am paying a higher interest rate for a loan without escrows which is being escrowed and received less funds at closing. The disrespect and unprofessionalism shown by loan Depot is beyond belief Do not use them they have no idea what they're doing they will tell you anything to get you to sign the documents and then change it to what's good for them. Beware of loan Depot stay away!!

We worked with George while buying our first home, and we could not have been in better hands. He…read moreanswered all of our questions (sooo many questions) thoroughly, gave us valuable advice, and made sure we really understood and felt comfortable with the entire process. Being newbies to this world, it was great to work with somebody so transparent. I would highly recommend working with MGM and would gladly work with them again in the future!

From the owner: Servicing all of California. We can get you a loan if you are one day out of bankruptcy or…read moreforeclosure. Zero down on USDA loans, 1% down purchase loans and we can fund loans with a minimum 500 FICO score. Call today!