I have to be honest and admit that I chose Sean McMenamin as my mortgage broker because he used to…read morelive across the street from me. He has since moved up in the world and lives in Granite Bay. My ex and I were not an easy case. The ex bought me out, and needed to re-finance in order to do so. He is self employed, so income verification was difficult. My income to mortgage ratio (I'm sure there is a better term for it but I don't know what it is) is not good, but Sean at Homecite managed to deal with both of our issues. Then, the day my loan was supposed to fund, Countrywide announced that they are teetering on the edge of bankruptcy and therefore are no longer funding loans. Sean managed to find another lender and re-submit the whole deal and close within 3 business days. Sean is very good about returning phone calls or e-mails. He held my hand through this complicated process, and I will be calling him to do a re-fi as soon as the rates drop.

Sean was really great to work with, he kept us informed each step of the way.... made first time…read morehome buying quite pleasant. Ethical, fair and diligent.

Huge thanks to Bridget for coming through in the clutch! After a year of searching for a…read moreconstruction loan and four failed attempts, she made it happen--quickly and efficiently. My project on 25th Street in Oakland was a tough one, as we're lifting the house to double the square footage, and most lenders were hesitant to take it on. Bridget was diligent, persistent, and on top of everything, securing both a home loan and a construction loan for Vivify Properties when others couldn't. If you're looking for someone who gets the job done, I highly recommend Bridget for home and construction loans. Great job!

Put your trust and confidence in Bridget! Bridget will always explain everything and answer all…read moreyour questions during your home buying experience. As a first time home buyer I felt so lucky to have found Bridget, she was the best, very knowledgeable and supportive in the very complicated home buying process. I was anxious with a short window to get my home purchased as I was working long hours myself and looking toward a long distance move. She successfully helped me get through the loan processes and kept me up to speed on many options for ME including the Dream for All programs. My loan closed on time and at a lower than expected interest rate for the times. She still keeps in touch to make sure all is good after almost a year has past since I bought my home. Bridget is truly a professional I would highly recommend!

Closed in August 2022 when rates were bouncing around. April Noessel will take care of you, she…read morecame in and saved the day and locked me in at 4.4% after my other loan officer at Cross Country was not able to get me the best rate. They still couldn't beat April after I shared her quote. Knowing that I had very little money available to close, April was able to work the numbers, get the lowest rate approved and get me lender credits to lower closing costs. All in all, it was a very pleasant experience and I was able to submit most documents from my phone or via text message. April and her wonderful assistant Laura did all the work. Also, April is a real estate agent and can help you there too! The numbers are always confusing and there were inevitably some hiccups with my situation but they helped make sense of everything and worked to get the deal done. We are now living the dream on our 10 acre ranch with only $18,500 out of pocket, (the 3.5% down for FHA) and $4,000 leftover in the escrow account. Seriously, she as my real estate agent, and her mortgage team worked a miracle with the deal and the loan so we still had cash leftover to move, buy the chainsaw and leaf blower. As a bonus she saved us on insurance too, her recommendation got us FAIR plan fire insurance for far less than the agencies I contracted. All in all, I have $600+ more in my pocket every month thanks to April and Pacific Wholesale Mortgage.

Edward Hernandez of Pacific Wholesale Mortgage helped me with a quote. He pushed me into paying…read morehigher points to get lower rates that sounded to be for my own good, but I later found out he hid a lot his fees into those points when I compare other quotes. When asked if some of his fees can be removed or spelled out, he promised and ultimately flaked. Trust and credibility seem lost in him and his business. Lesson learnt is to always shop around.

They are not permanently closed! The physical location is temporarily closed due to remodel, but…read moretheir online and phone is still in business. The number on this YELP IS INCORRECT. Their number is 714-444-9999. I'm physically at the location right now.

BesT company for refinancing or your loan or mortgage related deals …read more Trust me I been in this long and tried several banks and mortgage people and company. I really find this company is top nahco. I been helped by Hong Do. They promised me 4 weeks closeing time but the file closed in 20 days . I ll recommend loan factory all my friends family.. Last thing I like mention their closing fees are pretty reasonable . Keep it up!

Best Ever I have…read moredealt with some Mortgage Brokers before, but nothing like these guys. I met Andrew at a trade show and he said call and lets discuss. I filled out the paperwork and started talking to Kim and Cindy. They are amazing at what they do. The whole company is really taking care of the customer and especially Vets. I appreciate everything you have done for us. Thanks Guys

I have an A credit rating. I have worked for 40 years as a scientist. I applied for a…read morePre-Qualification loan with WealthWise Mortgage. I wanted to know how much money I could qualify for a house in Carmichael. I gave them the following documents: W-2's for 2018+2019, paystubs for the last two months, mortgage statements, bank statements, credit statements, insurance statements, tax bills, driver's licenses, and personal information. Remember i am not trying to lock an interest rate. I am simply asking to be "Prequalified for a loan." They asked me to sign 6 more declarations. I signed the two that were important. I told them they didn't need me to sign a Carbon Monoxide Detector required in the new home. What new home? I am asking to be prequalified only. I get a call from Andrew stating he won't due business with a client unless they sign all the forms. I asked him why it was mandatory to sign a CO2 detector when i was only asking for PreQual at this point. I told him it was not necessary at this point. He said, "I can't work with a client who won't comply." We parted ways. When a business owner becomes so entrenched in their own dogma that they can't see the client's side of the story....time to move on. BTW, I signed documents today with Loan Pal on my refinance. Never did they treat me like i was just a "JOHN" like this ego maniac Andrew. His tone was demeaning and authortarian. Do not do business with him. Take your loans to Loan Pal. Ask for Elmer Deleon.

Dan, Angela, and the entire Mortgage Evolution team were extremely professional, extremely…read morethorough, and always ahead of schedule in a very competitive market. They truly take all the guess work and stresses out of the the finance part of the home buyer experience, which allowed me to enjoy the whole experience in its entirety and/or allowed me to focus on areas of dealing with left fielders from the seller's.....keeping the deal together. As of today, Mortgage Evolution team has successfully completed the finances for 2x new home purchases, 1x Refi, and 1x HELOC Loan for me. Tested, Tried , and True, you can't go wrong with Dan and his team. Cheers Jerrimi

We recently purchased a new home and had the absolute pleasure of working with Conrad as our…read moremortgage broker - a truly five-star experience start-to-finish. From our very first conversation, Conrad impressed us with his professionalism, responsiveness, and knowledge of the process. He communicated clearly and consistently, making every step of the mortgage journey feel smooth and stress-free. He was also always available and returned messages in a very timely fashion. What truly sets the Mortgage Lab apart is Conrad's attention to detail and genuine care for his clients. Even after closing, he went above and beyond by catching an error made by the mortgage company that we would not have caught for months. Thanks to his sharp eye and quick action, it was corrected immediately - saving us time, money, and potential frustration. Conrad is a rare find: reliable, thorough, and truly invested in doing what's best for his clients. We can't recommend him highly enough, but we will absolutely work with him again in the future. If any of the above sounds like the experience you are looking for, there is none better than the Mortgage Lab!!!

I have worked with Conrad Engler four times in the last 10 years. I used him for the first time…read moreback in September of 2011 for the initial purchase of our new home. After being in our new home for a little over a year I received an email from Conrad stating that rates had dropped significantly and he wanted to know if I was interested in refinancing? After running a bunch of calculations and seeing what I was going to save not only monthly but in total interest over the life of the loan I went ahead and refinanced again. Fast forward to March of 2020 I was seeing rates starting to drop again so I reached out to him this time and I told him I wanted to convert from a 30 to a 15 year loan and also consolidate some things and he was able to give me a phenomenal loan with exactly what I wanted. Now here it is in February of 2021 and rates have completely dropped to levels unheard of and I was able to refinance one more time using Conrad to a new 15 year loan that is so low it feels scandalous ;o) Over the last 10 years of working with Conrad I have had nothing but a fully professional experience. If I remember correctly he's been in the business 25 years or so and it shows in how he treats his clients and his knowledge in all portions of the original home loan and refinances. Also over the years I have handed out his name and number to dozens of my friends, family and co-workers and not one person has come back with any type of negative experience from working with him. If you or anyone you know is looking to do any type of home loan or refinance I can say without a single doubt that you will have a great experience working with Conrad. He is very personable and goes out of his way to get you the best rate he can at the best price point that makes sense for each loan. Over the last 10 years of home loans and refinances Conrad has to have saved me hundreds and hundreds of dollars per month off of my monthly payment and probably at least a couple hundred thousand dollars in interest over the life of my loans with all the consolidations I have been able to do. Conrad if you read this I just want to say thank you for always taking care of me, my friends and my family over the last 10 years. You are appreciated ;o) Jason S.

Cyndi Romano is the most knowledgeable and amazing mortgage professional. I'm moving across county…read moreand found out that my mortgage had fallen through 5 days before my move. My brother told me that Cyndi is a miracle worker and gave me her contact information. Within 24 hours she had and an initial approval for me and handed me over to a colleague in the area where I'm moving. I now have a fully approved mortgage and will be closing on the original date. We started the process on Tuesday afternoon and by Thursday morning I had an email from an underwriter stating that I was approved and moving forward to closing! Cyndi Romano and the entire Guaranteed Rate Affinity team is amazing! The best way to describe them is elite professionals.