Emmett has helped me with many loans over the years and I keep going back to him because he is so easy to deal with through the process. He works lightning fast, he is very trustworthy and always finds me the best option for what I need. Highly recommend you use him! read more

I have used Emmett four times for loans and refinancing over the past 20+ years. Why- because he is trustworthy and provides real options - but number one is that he has always been able to provide the best overall rate. I have never felt pressured or uninformed- which should be paramount with big transactions such as these. read more

This review is for Emmett Clark | Loan Officer | NMLS 233747 866-617-7381 | Emmett.Clark@SouthlandHF.com. I found him on YELP after many months of searching for the right lender for our family. As many of you know, it's super stressful finding the right person to trust with your finances especially when you are doing it all on your own. I used to work at a Mortgage firm as an admin during the US Subprime Financial Crisis in 2007. Ever since than, I was always super nervous talking to lenders because of the scam; not that I got scammed personally but had a relative that did the lending and he foreclosed on several homes, lost job, file for BK, etc... I didn't want to try to trust again after that experience. First, I almost went with a different company but realized that they were just after their own good and not mine. Than, I came across Emmett with Southland and I enjoyed reading his customers reviews. The whole process from beginning to end was seamless. We went from a 4% to a 2.75% on a 30-year and I cannot thank Emmett enough for his helpful advice and locking us in at the right time during the crazy pandemic. I am proud of myself for finding the right person at the right time and thankful that Emmett was willing to take us on as his client. Emmett is easy to work with, honest, knowledgable and gives good financial advice. I definitely recommend Emmett to anyone and we will definitely use him again in the future! Domo Arigato Emmett! read more

Emmett was great to work with. He is very knowledgeable, quick to respond and easy to work with. I have done 5 loans with him and each time he made the process simple and easy for my husband and I. He is a complete professional and I recommend him to all of my friends. read more

LoansByEmmett | Loan Factory - Mortgage Brokers Near Me - Orange, California

Emmett went above and beyond to make out VA Home Loan go through in an extremely short escrow period of 14 days! He walked us through the entire process and was always available to answer any questions or concerns we had as a first time home buyers. He was very transparent and made sure we were getting the best deal possible. Best of all, he was a fun and kind person to us which made him such a pleasure to work with. We could highly recommend working with Emmett and C2 Financial for your next home! read more

LoansByEmmett | Loan Factory - Mortgage Brokers Near Me - Orange, California

How pathetic Emmett that you are trying to cover your ass. You obviously CAN'T READ because you missed the following: "Emmett Clark was supposed to set up the homeowner insurance to be included in the refinance but he didn't do that at all and I had to provide the declarations page AGAIN after the deal was closed because Emmett didn't do his job." YOU screwed up the process because YOU didn't provide the paperwork. Your reviews on Zillow are completely bogus and I have the proof, moron. I posted a perfectly legit review with no profanity and a 1-star rating and their system refused to post it. I have the screenshot of Zillow's system saying so. Which means that their system is rigged. You pay Zillow to generate the bogus 5-star reviews and prevent the legit 1-star reviews. Typical slimy mortgage scumbag tactic. read more

Emmett helped us with our initial loan on our house, and he just helped us get a lower rate on our refinance. The cost to us was very low and it was a very fast and efficient process. Both experiences were easy and he was always available to answer any questions. We will definitely use him again and would absolutely recommend him to anyone! read more

Emmett Clark was exceptional in the transaction where I was representing the buyers of a home in San Diego County. The transaction was smooth, swift, and we received loan approval in record timing! I am so thankful that Emmett was easy to reach, diligent, and made the home-buying process easy, with little to no stress. Thank you Emmett! read more

Emmett Clark made the entire process so quick and simple! He kept us on track and was in constant contact keeping us up to date on where we were in the process. We will definitely use him again! Thanks Emmett! read more

Short version: I used Emmett to refinance my home to an insanely low rate that closed in world-record time! HIGHLY recommend him & his services! Longer version: We purchased our home 3 years ago. At the time we felt our rate was really great for a fixed 15 year loan. We heard rates had dropped recently, so we thought we'd look around a bit. I reached out to a few friends and got some recommendations for brokers they had used and received a handful. After a few calls I realized I could lower my rate. We went through the beginning processes with a few brokers and settled on one. We had submitted our information and got quoted a really good rate. As a final quick step I wanted to compare the rate I was given with what I could find online. I did some searching and of course a million rate-quoting sites came up. Some of the rates were a bit lower than what I was being quoted, but I dismissed them as "bait-and-switch" listings. You know, the promise of low rates, no costs, etc., but then you call and they are like, "Oh, even though all your info looks great, the best we can do is higher than what you saw online." I decided for kicks-and-giggles I'd take the absolute lowest APR I could find online and give them a call. I went to Zillow Mortgage and sorted "All" by APR. The one at the very top was Southland Home Finance and the APR was unbelievably low. There was no way it was real, but heck, I'll call and see what they say. I fully expected a call-center to answer, but Emmett immediately answered the phone. He was incredibly friendly, smart, and articulate. I remember thinking, "Holy cow, this might be legit!" After some more due-diligence I decided to give him a try, and I'm extremely glad I did!! Emmett helped make the whole process as painless as possible. I really admire and appreciate how quickly he answered emails and phone calls with any questions I had. At the end of the whole process, I had the best rate imaginable and a close that probably broke all the speed records known to man. I highly recommend using Emmett for you next transaction! read more

Emmett Clark just finished up my refi. He is the absolute best. This is actually the second one he's done for me and at an amazing APR. This time I had multiple employers and a solar loan so things were not easy. It was not straightforward at all, but Emmett figured out a way to convince the underwriters to close it. Emmett is super friendly, profession, and knowledgable. He always gets back to me right away and answers all my questions. read more

Emmett was awesome. I gotta admit I was a little skeptical about following a link to a mortgage but Emmett put all of my doubts and reservations to rest. He was fantastic through the entire process. I was able to save a bunch of money going through him. I highly recommend Emmett. If you are on the fence, just contact him and you'll know you are in the right hands. read more

Emmett was amazing to work with. He always answers in a timely fashion, went above and beyond to help me out. He always had my best interest in mind when dealing with the other parties. I simply can't recommend him enough! If I ever need to buy a property again I will definitely reach out to Emmett directly. He sincerely made a complicated process simple for me, despite the very unique situation I was in. Thank you Emmett! read more

Emmett was absolutely clear and straightforward with all the costs and made sure that I got everything that was offered to me in the very initial estimate I received after my first call with him. The entire process went really smoothly without any delays, as he was always on top of everything. I had to put very little effort on my end to keep the process moving forward. Everything was handled online, and I never had to worry about anything as Emmett came across as a very honest mortgage broker. All the auxiliary refinance costs were super low, the appraisal was waived, and the net cost/credit for my refinance was much better than all other lenders. read more

I just finished a refinance with Emmett Clark and Southland Home Finance Mortgage Brokers and things could not have gone better. First, Emmett was extremely responsive and responsible in keeping me abreast of the situation. We first locked a loan rate, but when we fell out after the home needed an appraisal, he diligently waited until he could match the rate and was successful at meeting his original proposal of 2.75% on a 10-year fixed. Then Emmett helped me manage all of the online paperwork so that I was always up to date and moving this loan forward. In spite of some complications on my end, the loan ended up closing in very short order. Being an entrepreneur, I've had more difficulty proving income, so he even waited for my newest taxes to be be finished to get me the best rate. The closing also went incredibly smoothly with zero surprises. I would highly recommend Emmett for the following reasons: 1. Great Rates 2. Superlative, speedy service 3. Attention to detail when details really matter 4. Trustworthy in that he does what he says and doesn't trick you (I was once tricked on a home loan, so I know it can happen) 5. Superb online application system so that there's no need for faxing or mailing documents 6. Did I say great rates! Thanks Emmett for the amazing job. I'm super excited to have this taken care of and to have gotten into this financial instrument with you. read more

Worry free, hassle free! I couldn't be more grateful to have chosen Emmett from Southland Home Finance to close my first home. He made the transaction so seamless and easy. With the help of my realtor she recommended Emmett vs the lender assigned from the home builder of a new community offering incentives if I go along with them and I'm so relieved I didn't. Instead I am very blessed to have been referred to Emmett who is proactive and precise, completely "on point" and "on top of things." Emmett is quick and thorough, honest and reliable and will answer all the questions you ask. As soon as I was sure about buying my home, I've chosen Emmett and he got the ball rolling since the first day and everyday he kept it moving until closing. I got approved as an educator with the help of CalHFA, all finances covered including down payment & closing costs, and as a single woman head of household I was qualified for more than what other lenders have quoted me for. Emmett is a miracle worker! Have full faith and trust in this man. I had to leave the country while my new home was in escrow and he reassured me that we would close on exactly the date of closing. We actually were able to close 3 days beforehand and a couple days before I left town. Emmett is unbelievably amazing! He worked real hard to make this a smooth transition for me as a first time home buyer and I couldn't be more proud and pleased to have a lender who is a man of his word, highly professional, resourceful and trustworthy. He guided me every step along the way and everything was processed at the right time, replied to all my endless questions and concerns with full validation. He has many resources and programs to help you get qualified. There's so many out there and this lender can simplify things for you to shorten your search and to find what works best for you and your family. They definitely are motivated to find the best match for you and the results are proven by their actions and excellent customer service. This does not suffice all the great things I have to say about Emmett because I could go on and on. Another important thing is he is very easy to understand and wonderful to talk to, and easily accessible through all modes of communication, email, text, phone, 24/7! I'll save you the time and energy on your search for lenders, you can stress less, he'll get the job done! Just know you are in good hands with this lender and I'm so happy with my new home!!! Thank you so much Emmett for all you do and for making this happen. I made the right choice, it's a wish come true! I'd definitely recommend Emmett to all my friends and family. Emmett Clark you're the absolute best! I thank the world for you. read more

BEST IN THE BUSINESS- HIGHLY RECOMMEND USING EMMETT I work in the mortgage industry and have worked with hundreds of loan officers over the past 15 years. Emmett is an honest and hard working family guy, very knowledgable with the mortgage and financial markets, extremely professional, has the most highly competitive rates, and always answers to email, text, phone calls at any day or time of the week. We closed within 3 weeks from my initial phone call. You will not be disappointed and he will make the loan process quick and painless. Please do yourself a favor and take him up on his services. read more

My wife and I strongly recommend Emmett to be your loan broker for your new house purchase or refinance. He is very clear and straightforward with all the costs and very patient to explain all the associated costs line by line even during initial estimate process before we proceed the credit card check and provide more detailed information. That initial estimate process is really appreciated and we think it make him outstanding. read more

Emmett Clark provided excellent service and the best rate by far! From our first interaction to our last, he was highly knowledgeable, responsive, professional, and easy to work with. If you seek an incredible rate and effortless loan process, look no further. Highly recommended! read more

I just completed a refi with Emmett Clark. It was easy and super simple. Emmett was honest, straight forward, responsive and great to work with. Emmett got me a better deal than what quicken loans was offering. I have referred a couple of friends to Emmett, one of which recently completed a refi with Emmett. I also wrote a similar review on Zillow ;-) read more

Emmett Clark was great in getting my mortgage refinanced, super fast and easy.

Emmett was fantastic to work with! We were new to the whole home buying process and he had our back every step of the way. Not only did he deliver exactly what we needed, but he gave us an AWESOME rate and saved us a bunch of money and head ache. We are so grateful. Highly recommended! read more

Emmett Clark was introduced to me by my colleague/friend, Kevin L as we were heading to refinance our home. Emmett is great and we give him FIVE!!! It only took us one detailed telephone call to him and he emailed us a complete... I mean a complete list of document that he need and I didn't have to run after paperwork or keep faxing additional document thereafter. He kept us informed through entire process; home appraisal, loan approval, signing document, funding and disbursement. We're completely satisfied with Emmett's service and we will not hesitate to recommend him to our relatives and friends. read more