Mike and JB helped us with a refinance. It was the smoothest financing experience I've experienced,…read moreMike was very thorough explaining the process, our options and walked us step by step. JB helped us with gathering documentation and closing docs. Entire process was a few weeks long and was very straight forward. They got us great rates and found us a great lender. Would highly recommend the team for a home purchase our refinance.

My wife and I just closed on our first home, and got our mortgage through Neil and his team…read more We were beyond impressed with Community First Mortgage, and would highly recommend them to anyone in need of a mortgage broker. Neil walked us through every step of the process and was incredibly responsive. As first-time homebuyers, there were lots of things we didn't understand and Neil took the time to explain things clearly. We felt confident we were getting the best rates, and had the best team working hard for us. For reference - it took us FOUR days to get our loan "cleared to close" from the day our offer was accepted. We had a 14-day escrow period, and our loan was ready to close well in advance. That was an incredible feat by the Community First Mortgage team, and took a ton of pressure off of us with such an aggressive escrow timeline. Lastly, Neil also recommended our real estate agent, who was another incredible addition to our team. The folks at Community First Mortgage have a five star rating for a reason, we could not have been happier with the service we received and look forward to working with them next time we are in need of mortgage brokerage services.

Started a mortgage 2017 4.2% for 30 years, 2019 my local mortgage company asked if I wanted to…read morerefinanced at 3.1% for 20 years. Payments were only $100 higher . I said yes and I wanted to use PENNYMAC. I'm glad I did! August 2020 September 2020 we had two back to back hurricanes cat four and a cat three. They called ask if there was anything they could do. Luckily we were just without power for 21 days, Fort Polk opened back up three days later running on generators wife was able to go back to work. I would've gave them five stars except for three years in a row homes owners insurance has increased, the second year I pacifically told them I was sending in a payment. It was to go to escrow. It was to pay the difference of the increase and I sent them an email. You guessed it. They applied it to my mortgage payment that happened three times but they did get it corrected..

zero stars! do not…read moretrust Pennymac loan services to process your payment. I made several payments through my account which they never processed and they have over 400 complaints on the CFPB. this is the absolute worst company I've ever used and I have been in the 29 years and I'm vice president of . They did not process my payments correctly as many thousands of other people have had the same problem and then they sent me paperwork telling me they didn't receive the payment when it was paid out of my account which I've owned for 16 years as 100% owner and S corporation. they miss reported errors on my and I have no hire a lawyer and go after them. as a lender, and unfortunately a stuck with I would never recommend them to anybody. there are many companies out there with much better interest rates than them. yelp 1.2 stars, trust pilot 2.4 stars, consumer affairs 1.6 stars, this company cares about is getting their money and they never notify you by phone or by email or any other way. Every creditor no matter who they are has to notify a consumer if they didn't receive a payment or call the consumer and say Mr. or Mrs. we never received your you please make sure it goes through but I never heard anything all I got was threatening letters and problems with . avoid this company at all it's not just processing payment errors. It's credit reporting and many other of dealt with this company in the past. I am going to file a complaint with the CFPB, and I urge everybody here that's reading this to also file a complaint with the CFPB to have this company investigated.

Thank you so much for everything Luke and Brian. You guys…read moremade it happen for my husband and I . I really appreciate your honesty in this process of our home buying experience. We started working with Luke in October 2020 during COVID time. We close on our new home March 2021. We took our time looking for our home during this time we didn't feel rushed by them or our realtor Diya from Cyrene Properties We found our home in The middle of January. The online portal made it easy to upload paycheck stubs, statements and you know all the great stuff they ask for in the beginning. It was so easy. The updated phone calls were so friendly. Along with personal touch emails with your name on the videos. It's a great feeling in the end I can tell you it was not stressful at all it went smoothly. Now we are in our new home Thank you Luke and Brian 100%

This guy Brian something is horrible. He does not return calls and then pretends nothing is wrong…read morewhen you speak to him. If you are looking for a reliable person to handle your mortgage loan then move on to the next !!!!!

We love working with Shane and his team. They are always amazing! We love the loan products and we…read moreare able to service our clients on a high level because of the loans offered here!

This is by far, the worst commercial lender I have ever worked with…read more They create term sheets on basically every deal and then never fund. I had two instances where they: #1 - quoted the deal and proposed a term sheet #2 - completed a cumbersome due diligence and scheduled a closing date #3 - rejected the loan the day before closing One loan was for $700,000 or 50% LTV The other loan was for $4mm or 40% LTV How do these guys screw up low leverage deals when the DSCR is well over 1.5? A completely incompetent and dishonest group. A guy named Mike M was such a lazy dude from California who screwed up everything he did for me. tell you one thing... change it to something else with just made up reasons. It's the most unprofessional lender around besides the Hard Money and MCA thieves in NYC.... but not too far from that. F Velocity!!!!

They should get zero stars. This was by far the worst homebuying experience with the lender I had…read morethey were not very helpful. They were condescending marcos acted as if he was helping us when every step of the way it was last minute for everything our escrow was pushed out multiple times we had to re-run credit multiple times. We had to provide documents multiple times because we were over two months for our closing. We use the Oxnard office, but I would highly highly recommend anybody to run as far away as possible. Even the day we were supposed to close , we had to provide additional funds, and then our closing got pushed out over the weekend again

The biggest mistake I ever made was taking my dad's recommendation to use John Stetson to do my…read moreloan for the purchase of my second house. He was the most condescending a**hole I have ever met who cared nothing about my needs or happiness with his services. He seriously could not have been more obnoxious every time we spoke. But most importantly, my number one complaint is that he failed to follow the purchase contract and decided to commit me to a $35,000 higher down payment than I laid out in my offer on the house. By the time I realized what he did, he had already moved forward with the underwriting process with the additional money due from me and it was too late... I either had to cough up the extra money or lose the loan, start the process over, and get a higher interest rate. When he knew I was unhappy he didn't even say sorry. He defended what he did and tried to tell me it was in my best interest. He took advantage of the unique, weakened position I was in at the time to do what was best for himself. And, before the loan had even funded and I was in the house, he sold the the loan to double dip on the commission, which required a second job verification that almost couldn't have been obtained and he tried to threaten me that I could lose my house if I didn't call my employer that I've been on a medical leave from to pressure me to get the boss to verify a second time. Stay away far far away from this guy if you want a smooth, pleasant loan process. Especially if you're a woman. He could not have been more rude, condescending, and impatient every time we spoke. I seriously would tell my realtor to call him on my behalf when something was needed because he was so disgusting to speak to. If I could have changed lenders mid way through I would have but because of my medical leave situation it was complicated and I stayed with him. Please do yourself a favor and avoid him, Teresa Moreno, and Option Funding at all costs. He is a slimy POS that will put his own interests before your own every step of the way. Good riddance, John.

Steve Marche and the entire team at Great American Funding Corporation are amazing!…read more We were most likely one of their most challenging clients for a loan with the head of household being disabled on SS. Steve and his team never gave up to successfully secure a loan for us. They did not just do the minimum required, they went above and beyond. Each step in the very complicated loan process (for us as first time borrowers) was followed up via emails and phone calls. When the first and second options fell through, he swiftly went on to option three. Giving up was not in Steve's vocabulary. It was not discussed, not once. When we had questions, it was never too early or too late to contact Steve. He would pick up the phone and take his time to explain everything. If he did not have the answer at his fingertips from 30+ years of experience, he was honest, found the answer and called us back. When we were discouraged and stressed, borderline rude, he understood and told us to not give up: "I got you, hang in there" were his kind words we heard a few times. And he was right! He and his team got us. They handled it all. We highly recommend Steve and the entire team at Great American Funding Corporation.

Success in life is largely based on who you align yourself with in various areas…read more We started to Refi our loan almost 12 months ago. We had some credit score issues but my income and debt to income were solid. I went from one broker to another who said they could get it done for me only to end up wasting time and money. Most of these guys use the same system and the mortgage business has reduced all of us borrowers to just numbers. They put your FICO score into the system and it's either a yes or a no. There is no expertise to this industry it seems. I came across Great American and Steve and he seemed to have a different approach. I presented my situation to him and after some analysis he stated he could get it done. Fortunately, 5 weeks later I have a closed loan through Great American. I am sure it takes years of experience and due diligence making the connections to be successful in this business and Steve has certainly done that. I highly recommend him to anyone who is looking to get a mortgage loan. Whether you have perceived obstacles with credit or property value, bring them to Steve and he can honestly assess whether you can get the financing you need. I am glad we did and we are now almost $600 in the black every month thanks to Steve's help. We look forward to future success in this area now that we have Steve in our corner.

Todd and The Ross Group were incredible!! It took me over 6 months to find my new home. Todd was…read moreconstantly available and extremely helpful for every home I potentially wanted to buy. On each potential home (and there were many) he wold run through the numbers with me. He was extremely through and honest. He answered every question I had quickly and never got frustrated with me even if I asked the same questions many times. Even once we got into escrow and started the loan process Todd never stopped looking for the best possible deal for me. Even right at the end Todd found a better interest rate and package for me and was willing to redo all the work and rush things through (as close was in a week) to save me on my interest rate. Something I would have never known about if he didn't bring it up. I truly cannot thank Todd and his team enough for all the hard work and for making the whole process that much easier. I would highly recommend Todd to my friends and family.

Working with Todd to help us purchase our first home was the best decision we made! Todd was…read morehelpful, attentive, kind and explained things so we could understand. He got to know us as a family and I felt like every interaction was with an "old friend". Todd went above and beyond to help us achieve our home buying dreams and I will recommend him to everyone for years to come!

HMS Capital made the Refinance easy, efficient and expeditious. The whole process from initial…read morecontact to Funding was about 3 weeks. All of those at HMS that I communicated were professional, responsive, detailed information provided, answered every question and did everything that they could to minimize our interaction and any delays. Matthew Gonzalez, Loan Officer, was my primary contact and was fabulous to work with. We spoke often, making sure that all of the documents needed were reviewed for any inconsistencies, as well as initiating follow-up to make sure that everything was moving towards Plan, with an estimated conclusion date for the loan. Freddy Neiyer, Loan Processor was extremely diligent and helpful. Jasmine Arroyo, Loan Closer, was fabulous and minimized any of our inputs. All went according to plan. I also interacted with Maria Pineda, Sr. Loan Processor. If you're looking for an expeditious and painless Loan, I highly recommend HMS Capital!

We have had the greatest experience with HMS Capitol!!! Brittany and Hal were amazing!!! I dreaded…read morethe re-fi process but this was GREAT!!! Brittany's persistence with getting the items we needed to close was way beyond and above our expectations!!! Hal & Brittany make a GREAT TEAM!!! So happy they're on our side!!! I highly recommend HMS Capitol and thank Bill Handel from KFI for the commercials that prompted us to call!!!

Rocky Laucello is great to working with. Very knowledgeable and can help you meet your closing…read moregoals. Reach out to him for professional service and great advise.

Doing a home loan w/Dignified Home Loans was exceptional. They locked in a great rate and worked…read morehard to get my loan to close within the 30 day time frame necessary. Fiona Brady worked with me throughout the loan procedure and she was wonderful and patient. Many signatures were accomplished electronically and the only time that I needed to meet with someone was to sign the loan documents. That was with a notary at my home. I would like to thank this company and recommend them.

Adrian Valenzuela & Brittney Stellar have been great throughout our whole refinancing process!read more

Tried to call, since my insurance company reached out about non payment from my escrow account…read more I've been transferred 3 times so far, on hold, killing time so figured I'd wright a review about my experience so far. The representatives on the other side seem like they have no knowledge or experience with loans, or what's going on. They can't even transfer me to the right department. The second represnetive transferred me back to himself, haha. This place seems like a joke. disappointing to know they hold my HOME loan.