Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things…read morearound. He stepped in and took over my loan and from that point on, things felt much more manageable. He was always clear, easy to talk to, and kept me in the loop. He also made sure the original terms I was quoted were honored, which I really appreciated given how much rates were changing at the time. We closed on time and everything went smoothly in the end. I'd definitely recommend working with him. I'm really grateful for his help and would absolutely recommend him.

​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​I had a very concerning experience with Optimum First Mortgage. I was initially quoted a highly specific interest rate of 5.123% (a non-standard figure in this industry). Based on this quote, I submitted my sensitive financial documents and authorized a hard credit pull. ​Once they had my data, the rate was significantly increased. When I questioned this, the Sales Manager (James) admitted in writing that the original quote was based on "incorrect input assumptions" and was a "human error." This feels like a classic bait-and-switch: lure the borrower in with an unrealistic rate to harvest their data and credit authorization, then claim "clerical error" to move the price. ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices. If you are shopping here, be extremely wary of any quote that seems too good to be true--it likely is. UPDATE TO RESPONSE: Nice try shifting the blame. The data I provided didn't change, but your numbers did. You provided a correct quote, then dangled a fake 5.123% rate to get me to apply, then 'switched' back to the higher rate after harvesting my data. Your Sales Manager already admitted the error was on YOUR end, yet here you are publicly blaming me. This is exactly why I've filed formal complaints with federal and state regulators (CFPB and DFPI). Prospective borrowers: if they quote you a weird number like 5.123%, run. They are just 'capturing the lead' with a rate that doesn't exist.

Devon Doan did an exceptional job from start to finish. He is professional, knowledgeable, and…read morehighly responsive. He worked late hours around my schedule and made the entire process seamless. The loan was underwriting approved within 24 hours, which was impressive. He explored all options and delivered even better results than originally quoted, which exceeded my expectations. Having purchased multiple homes, this was the best experience I had. I highly recommend Devon Doan and Advanced Horizon Lending to anyone looking for a top-tier lending experience.

My husband and I were not looking for a house, but a house found us. On a Saturday afternoon, we…read morehad no pre-approval, no agent, but needed to make an offer within 72 hours. A friend connected me to a real estate agent who connected me to Travis, and he was kind enough to get on the phone with me at 8pm on a Sunday to talk us through all the steps we'd need for pre-approval and the mortgage lending process. Within a few hours we had a pre-approval letter - it was SO FAST and seamless. When our offer was being reviewed, Travis went the extra mile to connect with the seller's agent and put in a good word for us, and he worked around our crazy vacation schedule (and 9 hour time difference) to get us a good loan while we were in escrow. I couldn't recommend him enough, he's so kind, patient, thorough, and organized. He was very communicative and much faster than working with a standard bank.

- Unorganized - Constantly being handed off from 1 person to…read moreanother - The 21 day closing promise is a joke - we had to file an extension, which added 2 weeks because MWF was so backed up. - Joe Moore was often argumentative in his emails about what we wanted - Sarahi was pleasant, yet forgetful, and didn't always seem on the ball - Constantly being asked for paperwork we had already submitted - Constantly filling out the same documents over and over again - I constantly received fliers in my school mailbox for this company and I figured they would be a quality company because of how they promise they work with teachers. I could have gotten the same rate going anywhere else and not had all of the runaround. I have reported MWF to my union to make sure these fliers don't end up in our boxes ever again and to make sure other teachers don't have to go through the mess I had to put up with. TEACHERS AND PUBLIC SERVICE EMPLOYEES STAY AWAY

UPDATE: Joe Moore below demands that I remove my review immediately because it was "not in the…read moreHuntington Beach office" but in fact it was a lender in the Huntington Beach office, a so called "top producer." I can publish the lender's name but I would prefer not to. You need to hold your loan officers to higher ethical standards. 3.7%?? Horrible Don't do a refi here. A few months ago, the lender (I won't shame him by using his name - he knows who he is) told me I "barely qualified for an FHA refi" and my rate would have to be 3.7 percent and I would have to hand over my next month's mortgage payment plus my American Express payment and they would pay it and then my loan would close. Really? So I have to hand over 3000 dollars to you and what if there is an issue with the loan? What if it doesn't close? You then have my money. I walked away but not without being threatened with "You won't be able to refi for 6 months." Do you think I'm stupid? Of course I can refi- just not with you. About a week before this played out the lender had called and said to me "Your loan is solid." I just had a weird feeling because he sounded like a used car salesman and a few days later he was like "I don't know if we can do this, we have to raise the rate." I went to my current mortgage company who offerred me 3% and dealt with me professionally. The loan officer never promised anything he just said we will go through the process and it recently closed. Any delay was due to COVID and a backlog of refis. No high pressure tactics, no trying to cheat me by saying I had to take 3.7%. Just a solid loan. Oh and the AMEX payment? My current lender, Michael, just said you can pay it now directly to AMEX or pay it at closing. That's ethical. That's professional. Really calm cool and collected and PROFESSIONAL lender. Stay away from Cal Path. Sunwest, you have a client for life. This is the second refi I have done with Sunwest and both times it went smoothly. Shouldn't have paid attention to the glossy color flyer from Cal Path in my teacher box.

Peter was the most accurate, efficient, and responsive professional I worked with throughout my…read moremortgage process. After going through multiple agents and even changing mortgage officers twice, I was under significant stress and time pressure--but thanks to him, everything moved forward smoothly without any issues. I truly appreciate all of his help and professionalism, and I would absolutely recommend him to my friends and anyone going through the home buying process. Thank you so much!

Peter honestly swooped in and saved the day when we thought all hope was lost. We had some major…read moreissues with our initial lender which didn't follow through. But then we got in touch with Peter, and what a difference. He picked up our case and got everything sorted out for us incredibly fast. Thanks to his hard work, my husband and I are now officially homeowners. As first-time buyers, the whole process felt a very daunting, but Peter made it so incredibly seamless and easy to understand. He's super efficient and gets things done. We're so incredibly thankful for everything he did to help us close on our new place. We will for sure reach out to him for any future needs.

They were the biggest mistake of my life!!! I was charged over $10-15k for a refinance and was…read moregiven the worst loan EVER!!!!! I was a first-time homebuyer who was refinancing for the very first time. I can't believe the nasty mess they got me in and once I signed (not knowing the nightmare that was coming) believing all their lies. This was 18 years ago... and I was scared for LIFE!!!!! I never ever forgot their name (and not in a positive way).

Can't say enough good things about Thomas and the folks at Ameristar! I tried 3 others before…read moreThomas and each one gave up quickly due to my high debt, and lower scores, and complicated income. Every other place wanted to make a quick buck, but Thomas worked hard to get my refi. Stayed with me even when it looked like it wasn't going to happen. Coached me on improving my scores and my finances. He was always optimistic and had a great attitude. They have made a client for life. They got me the largest cash out for my condition, with the best interest rate and almost no cost to me. I rarely get amazing experiences, but this was definitely one and I am recommending them to all friends and family. You just need to trust Thomas and he'll honestly do the best he can for you!!

A few months ago I was thinking about refinancing my home to free up some extra cash to take care…read moreof some other bills. After talking to numerous companies, I came across Ameristar Capital Mortgage. Thomas took his time to explain the process to me and was straight to the point. He found out what my needs were and made his recommendation accordingly. He was never pushy or agressive like some of the other companies I spoke to. Big thanks to Thomas and Ameristar Capital Mortgage!!

I can't say enough great things about working with Amanda and Kylie! This is my second time working…read morewith Amanda, and once again she exceeded every expectation. She is incredibly easy to work with, always responsive, and communicates clearly every step of the way. The entire HELOC process felt smooth and stress-free, which is something I didn't think was possible! Uploading documents was simple and straightforward, and both Amanda and Kylie made sure everything stayed on track without any confusion or delays. Their professionalism really stands out--they are knowledgeable, organized, and genuinely care about getting the best outcome for their clients. What impressed me most is that even after we had already started the process, they were able to secure us a lower rate. That level of dedication and follow-through is rare and truly appreciated. If you're looking for a team that makes the process easy, keeps you informed, and goes the extra mile, Amanda and Kylie are the ones you want to work with. Highly recommend!

This team kept me constantly in the loop throughout the process, and I had some challenges with…read morewhat I was trying to accomplished, and they walked me through each phase of it, and held my hand and answered every question very quickly. I am thoroughly impressed with the team at Summit Holm Lending, and would highly recommend them to anyone looking to refinance their home or get their first mortgage. Good luck.

I almost refinanced with my (then) mortgage lender, but I decided to get a second opinion after…read morethere seemed to be too many costs. THANK GOD, I reached out to Steve. The rate he locked in for me was so much better than the other one I almost took, and I had no out-of-pocket costs. His assistant, Brianna, was so helpful and kept in contact every step of the way. We're thinking about buying a bigger house in the next couple years, and I will definitely use Steve and his team again if we do.