I recently completed a refinance on my home through Advantage First Lending, and I want to express…read moremy sincere appreciation for the exceptional work of Uriel Salinas, Sr. Loan Originator, and Christina Klapprich, Sr. Loan Processor. From start to finish, Uriel demonstrated professionalism, patience, and genuine dedication. He remained in consistent contact with me throughout the year, following up as my credit improved and ensuring I was in the best position to qualify for a better rate. His proactive communication and encouragement made the process feel manageable and transparent every step of the way. When challenges arose, both Uriel and Christina went above and beyond to find solutions. Their teamwork, responsiveness, and problem-solving skills were evident in how smoothly they handled every hurdle that came our way. Thanks to their commitment and persistence, we successfully completed the refinance with great results. I am truly grateful for their hard work and outstanding customer service. I would highly recommend Uriel Salinas, Christina Klapprich, and the Advantage First Lending team to anyone looking for knowledgeable, caring, and dependable professionals in the lending process. Gregory A. Allentown, PA

Their advertisements that they send in the mail are very misleading and predatory. I called to…read moreinquire. The woman on the phone suggested I refinance my current mortgage at 2.125% with only 10 years left to a 30 year mortgage at 4.75% with an APR of 5.9% and take cash out that I don't need or want. Closing costs would be about $30,000. This is the definition of predatory lending. There are federal laws that state a Net Tangible Benefit must exist to refinance. No benefit exists but this company doesn't care about the law.

Very knowledgeable, thorough, and honestly looking to make sure borrowers are getting the best…read moreproduct for their situation. Took the time to explain things, made sure I understood, and was prepared for each step in the process.

Great service from beginning to end. Moshe helped us get a great refinance. He was always available…read moreand committed with us throughout the whole process. Professional, fast and friendly. Highly recommend!

Let me explain why Brain and Nicole are the best in the mortgage industry and why I chose them for…read moremy two refinances and home loan. Savings + Speed + Quality Customer Service Nordstrom sells amazing quality suits and gives great customer service but you'll pay for it! Costco provides savings and Quality products , but with no customer service. Brian and Nicole break the business mold because they are the ONLY company (couple) I have ever seen that do all these three TOGETHER! Brain and Nicole help you save money. They beat everyone else's rate and trust me, I shopped. Brian and Nicole work very quickly. They waste no time getting your loan done. Brain and Nicole deliver the BEST Customer service. Often taking much of the leg work on themselves to save their customers time (and with a positive attitude!) You would be foolish to go anywhere else for a loan or refinance. Give them a try and you WON'T be disappointed.

Can't recommend them enough! We've done four loans with them in the past 12 months. I shopped…read morearound the loans and they always had the best rate. Communication was excellent! Always responsive. If I didn't get in touch with them right away, they would respond within hours never days. I never felt pressured or "sold". Very professional.

Joe is one of the best and down to earth realtor I had the pleasure to work with!!! Our clients…read morefelt they had no chance because there were multiple offers and some were all cash. However, Joe took a chance on them because this was a family who have been trying to buy for almost 2 years but no luck. I highly recommend working with Joe and his team. They are communicative, understanding and humble. Thanks again for everything guys!

Joe and Heather made finding the house and more important getting it easy! When hurdles came up…read morealong the way they had all the solutions and got us the house of our dreams. Sent two other friends who were using other agents with no luck to them losing house after house .... One is in his new house and the other in escrow. Don't just count on my review. Meet them and you'll see!

Mortgage Direct is fantastic…read more I bought my house about 6 or so years ago and was referred to Chris Kostoff at Mortgage Direct by my Realtor. Chris helped me secure my mortgage and got me into my home. Working with Chris and his team is great. They are prompt, always available, and on top of everything. Since my initial purchase Chris keeps in touch and lets me know how the market is doing and when it is a good time to refinance. I've refi'd with him twice now, both times getting me the best rate possible. The best part of working with Chris and his team is that they take the time and explain everything to you in detail. They're honest, trustworthy, and friendly. I highly recommend working with them and have referred them to my friends and family. If you are looking to buy a home, I suggest going to Chris first to find out what your best options are.

Chris was very thorough doing a refinance for my wife and I. I tried calling Rocket Mortgage and…read morethey said they would get back to me asap, the next day I started the process with Chris. He moved so fast on the loan that by the time loan docs were ready to sign Rocket Mortgage called to ask if we wanted to continue with them. I told them that we were almost done with our refinance with another lender.

TJ was great through the whole home purchasing process. We unfortunately had lawyers involved in…read morethe purchase of my mother's home and needed to get our loan as quickly as possible. To say our demands and roadblocks were tough is an understatement. It seemed like everything was working against us. With TJ's knowledge and guidance we were able to get approved and close escrow in about 3 1/2 weeks from start to finish. Tj and her team made what seemed impossible happen for us. We are forever grateful and have nothing but positive things to say about TJ and Right Choice Mortgage

We had a wonderful experience with Right Choice Mortgage. Tj was incredible to work with--she made…read morethe entire process smooth, clear, and stress-free. She took the time to explain every step, answered all of our questions promptly, and made sure we understood our options.

We have been in contact with Steven Williams over the past couple of years regarding a home loan…read more However, when we finally found our home, we initially worked with a credit union based on rates. Unfortunately, the credit union took longer than expected to process the loan, so we reached out to Steven for help. Steven came through for us! While the credit union had a timeline of several weeks, Steven was able to get our loan pre-approved in two days and our loan approved in one week. Steven and his team were outstanding throughout the entire process and dealt with the challenges of the 2020 pandemic exceptionally well. He was always available, consulted with us on the best mortgage product, reviewed every detail of the application, always followed-up on action items, and finalized our loan expediently and professionally. Steven Williams exceeded our expectations, and we highly recommend him to others going through this process. Thank you Steven, you are heaven sent !!!

Steven, Thank you so much for all of your hard work and…read morewalking through every step of our home refinance! You truly made the experience easy for us and delivered customer service at it best with amazing rates! we definitely will be sending friends and family your way!!!

I just finished my 4th re-fi two months ago with Steven, and just last week finished a full…read morefinancing of a second home property that I bought with cash. Bought with cash to give me a leg up in bidding for the property, then Steven got me a mortgage so I could draw some of that money back out. So that's five times, and Steven has gotten me unbelievable rates each time. My son will be selling his condo and buying a home soon, and he too will work with Steven. Highly recommended. Dr. Rod Kurthy

We have used Steven Williams several times to refinance our home, the process has always been…read moresmooth and easy....He and his team kept us informed the entire time.. The process was very quick we closed our loan in just a couple weeks. Highly recommend him and will use him again if the need arises.

Allan Ellis is an amazing broker. I'll be using him again. Honest and Smart.read more

From the owner: We specialize in eliminating mortgage insurance by leveraging relationships with private investors…read moreand banks to obtain custom tailored loans. YMS is a trusted California premiere mortgage broker that adheres to the highest industry standards and is compliant with State laws and federal regulations. We offer loan products such as: Conforming loans: conventional, fha, va, usda, harp, and No Mortgage Insurance High balance loans: conventional, fha, va, harp, and No Mortgage Insurance Jumbo loans and Hard Money Loans. We also offer an Elite Loan, giving our clients the lowest rates in the industry. Our clients are most excited about obtaining maximum savings with our No Mortgage Insurance loans. But what makes YMS unique is our industry leading rates, low cost and our ability to routinely close loans under 30 days. We pride ourselves in convenience with face to face meeting, along with start of art technology. Come see how we WOW you with our loans and services!

Todd and his team at Golden State Financial were great! They knew what they were doing AND knew…read morehow to help us get through the quagmire of loan modification. They were successful at negotiating a modification for us that will serve us for the rest of our lives. Don't try to mod on your own unless you are in the business. There are too many intricacies that they lay person can't master. Let the experts work for your success.

Todd is always a pleasure to speak with and is quick to respond to any questions I may have. I'd…read moredefinitely recommend him.