BEWARE:::; if I could give this company a zero star I would. I will not recommend using them as your refinance option at all. A process that was only to take 45 days to close ended up not closing at all. With them hitting my credit file twice and then being told today they would have to run my credit report a third time at almost 90 days later I said forget it. We totally got the run around and no completion because of lack of communication. I was also told to try again in 6 months to refinance my home...Not to mention the multiple times I had to scan in the same documents to verify the same thing again and again. I DO NOT RECOMMEND this company at all for your mortgage refinance options. So I got screwed and my credit is screwed and I am very, very upset. read more

I would like to take a moment to thank LoanSnap (Aka: DLJ Financial) for doing a great Job end-to-end on my loan. I appreciated Adan for being so patient and thorough with ALL my questions and for not pressuring me while I shopped around for the best deal for my family. In the end his expertise and excellent customer service skills is what sealed the deal. Janeen did a great job with communicating the remaining process without any setbacks or delays. If I had 3 equal offers, I would have chosen LoanSnap every time because in reality all these lenders can just about match each other but to me the thing that separates them is the loan process experience and they did great. Thanks again to Adan and Janeen for a positive experience. read more

Loansnap was an overall pretty good experience. The only thing that didn't get them the 5th star was that it took almost three months to get to closing. Almost everything can be done online so it is very convenient. read more

We were pleased with the loan process from LoanSnap. Our loan officers changed in the middle of the process which made the process a little longer than we would have liked but they were still able to get everything finished up and we are saving almost $600/month after refinancing with LoanSnap. We will definitely recommend them to our family and friends! We had an excellent experience other than our wait time! read more

The entire process from start to finish was very transparent and seamless. A smooth transaction with zero hiccups or surprises. 5 of 5 would recommend. read more

This was a very easy refi process and I appreciated that I could do it all by texting back & forth. Links were provided when I needed to upload docs, fees were minimal, and at closing a notary came to my home on my schedule. read more

STAY AWAY FROM THIS COMPANY. They cannot deliver on their promises. Horrible experience. Started the refinance process on 9/2/20. Was told the loan was approved, they were just behind on closing. Waited...and waited...and waited. Was told several times that it was their fault and they were just way behind. Over 6 months later, went with another mortgage company who closed the loan in less than a month with lower cost and better rate. LOANSNAP WAS THE WORST LOAN EXPERIENCE EVER. Don't waste your time on this company!! read more

I just completed my loan with DLJ Financial. My loan broker was Leslie Oliver and she did an outstanding job. I was new to the loan/refi game and she was really patient with me as I ask one stupid question after another. The only issue I had was with the contracted notary service. As soon as I contacted DLJ they were on the problem and fixed it within 24hrs. I received a followup call from DLJ apologizing for the notary and making sure I was completely satisfied. I would definitely contact Leslie again when I am in the market for a loan. read more

We could not have been happier with the way DLJ processed our refinance. Everything was completed in a timely manner and exactly as promised. Both Jesse and Janine did a splendid job. They were especially meticulous in keeping us apprised of the progress of the transaction and in their follow-ups. We were particularly pleased when, after everything was completed, a note which thanked us for our business and enclosed a gift card for Starbucks inviting us to have a celebratory drink on DLJ. The only negative came from the title company. Apparently DLJ has switched from doing business with Title Insurance and Trust (TI) to Investors Title. Investors Title refused to take a personal check for the funds due as TI had done on a previous transaction even though there was plenty of time for the check to clear before closing. Having to wire funds at the last minute was inconvenient and costly. We have done business with DLJ before and will happily do the same in the future should the opportunity arise. We would, however, ask them to reevaluate their choice of title companies. read more

I refinanced with DLJ Financial in late 2011 and received great customer service and a great interest rate. A representative from DLJ called me this past December and said they had a rate alert on my account and said they could do a no-cost refinance and lower my rate by .5%. At first, it sounded to good to be true, but it worked out exactly the way they said it would! We closed last month and couldn't be happier. I was extremely pleased with their customer service--we are saving $150 a month on the interest because DLJ called us; had they not, we would've missed out! When we first went with DLJ back in 2011, they were one of about four mortgage brokers I called. I went with them because nobody else could match their low rates. I highly recommend DLJ. read more

İ was a first time home buyer when I was referred to Glenn Toher at DLJ. I had no idea what to expect and was dreading the process, particularly as I knew it would be more complicated as an FHA loan. Glenn was extremely communicative. He was patient, answered all of my questions and gave me more useful information without overwhelming me. The process was incredibly smooth...so smooth it almost seemed easy. He followed up regularly and kept me informed as each step of the process was completed. Fast forward 3 and a half years and I want to refinance. I contacted 3 different institutions, including calling Glenn, of course. I figured, all things being equal, I'd go with who I know. Well, things weren't equal. DLJ was better from the start. I went with Glenn and DLJ again and I am so glad I did! Glenn and his team moved quickly and, as before, were very communicative and explained every step. The loan closed in 3 weeks! It was again, incredibly smooth. I can't recommend Glenn and his team more highly. They are professional, friendly, knowledgeable and simply the best. read more

Great to work with. They got my loan together in a reasonable time. Very professional and answered my questions.

Great staff and experience. Easy process, knowledgeable staff, and transparent portal all led to the great experience. Definitely will recommend to friends. J read more

Super easy, seamless refinancing. Making decisions via text allowed me to progress the process on my schedule whenever ready. Great rate and stress free/ burden free process thanks!! read more

Loansnap was such a great idea. This was my fourth re-fi, and I will ONLY come back to Loansnap. The fees were insanely low, discounts at every turn if you do it right. Get online and be ready to show all forms. You need to know what you are doing and be patient. Their staff is amazing but they are busy so need to be patient. Best finance process I had been through after 3 others. read more

The loan officers at LoanSnap were very attentive and very helpful throughout the entire process. There is an unprecedented number of new mortgages and refinances going on so I can't hold the lengthy time against them as they allow for an automated streamlined process, but there are aspects that cannot be automated. Overall I would recommend them if you're looking to originate a new mortgage or a refinance! read more

Refinanced our home with LoanSnap it was a good experience (easy and an amazingly low rate for a 30 year fixed mortgage!). It took me about 2 hours to pull our documents online (W-2's, banking, current mortgage company, etc.) and drop them on LoanSnap's website (remembering all of the passwords is the worst part, ha!). LoanSnap has a progress/next step chart "thingy" and it really was helpful to see if I needed to do something or they did. We closed ~14 days later and they sent a Notary our to our home the day of closing (that was the only in-person communication we had, which worked great for me...FYI- the Notary had a mask on and had hand sanitizer and kept 6'+ away from us). The whole process seemed too easy; however, we have since received our payoff letter from our old mortgage company, so everything seems legit. The 2 LoanSnap employees I worked with (Jen & Brent) were friendly and responsive (i.e. via phone, email & text). read more

Just read Glenn's response because I don't often go on to Yelp.....all I can say is LOL..LOL !! Oh and yes I most definitely got some very good and professional help ! read more

Our refinance went very smoothly and quickly and it closed right on time. We've done many real state loans throughout our lives and this was one of the easiest, most straightforward ones. It was a pleasure working with Michelle Aclan. read more

DLJ Financial is the best in the business when it comes to refinancing or home loan origination. We were looking for a HELOC and the process was smooth. Brian Alterman walked us through the entire process and explained everything we needed to know about our loan. Even after we closed he was there to assist us every step of the way. His professionalism, honesty and knowledge in this industry is the reason we decided to move forward with DLJ Financial. Maribel in the processing Dept. is just absolutely amazing in making sure that all of our documents needed were submitted to underwriting. Her attention to detail and hard work is the reason we were able to close our loan in an timely manner. Maribel was VERY responsive to all of our needs and every question we asked were answered. Thank You Brian and Maribel for all your help and hard work in making it happen! We will definitely recommend DLJ Financial with Brian Alterman and Maribel to all our friends and colleagues in the San Francisco Bay Area. 5 Stars plus read more

I have refinanced a few times before, but this was the quickest and most pleasant experience I've had. We compared other firms and they couldn't match the deal we got deal we got. Very pleased. Thanks read more

Super easy and super fast refinance. Everything online, no telephone tag. Emails were responsive. whole loan process went very smoothly! Highly recommend! read more

Adan Munoz was fantastic, always clear, honest, prompt, told me what to expect and (unlike Quicken Loans) followed through with what he said to expect. No hype, cool, calm explained process all along the way. Definitely the first place I will go for any future business read more

I worked with Heather DeCew on the refinace of my home. She was extremely helpful and researched every option for me. I was eligible for a VA refinance loan. She worked out all the numbers for me, VA, conventional 30 and 15 year loans so I could compare costs and payments. I would highly recommend her if you are looking to refi or if it is your first home purchase. The o e thing I appreciated about her was her no pressure attitude, I do not make my decisions fast and she gave me the time I needed to make the decisions I needed to make. read more

My wife and I received outstanding and patient service from Michelle Aclan, the loan officer we had a pleasure working with. She worked efficiently (and updated and assured us) during the loan process. Michelle was very helpful in explaining what were the best loan options even when I requested to increase the cash out for my loan. She is an asset to Loan Snap. read more

Excellent customer service from the start with Naomi, who continued throughout the process to provide frequent updates and respond immediately (within minutes or hours) to all of my questions. Naomi gets 5 stars for her handling of my HELOC, which was the first time I had ever taken out a line of credit from my home. Angelica was also very capable and responsive. If the closing costs were less and the underwriting process more streamlined, I would have given DLJ 5 stars. read more

Michele Neal and Janeen Cadwell were outstanding in getting us a loan for our new house. Whenever we needed a question answered, they were there. They are honest and trustworthy people and work for a company that we would highly recommend. Bruce and Barbara Kenerson read more

My entire loan process took 30 days. I worked with Ethan and his associates at DLJ. They are well informed, transparent and explains every steps they make. You won't be in the dark and they give you options so you don't feel like you're trapped. read more

I started my loan process in early September about 90 days ago. Today I received a message that they're sorry but my loan would take another 30 to 45 days to process. That's now up to 4 and 1/2 months. My loan request is relatively small and has a low loan to value ratio, so I don't understand what's going on. After all this time I don't want to start with a new lender. If they don't want to do my loan they should just tell me. I am 87 years old in good health. But that may be the problem. If so that's age discrimination. I have read good reviews from other borrowers who were happy with the results. There are also some bad ones too. There are also number of bad reviews on the BBB site. And they have the lowest BBB rating and are not a member. Not sure what to do now. read more

Jennifer Diaz did an excellent job with a difficult situation. Her expertise and skill combined with her good communication created a successful funding in record time. Congratulations Jennifer for a job well done! read more

Great company!! Great experience!!! Recommend to everyone!! Made refinancing seem easy!

Super shady company! Lee did not know what he was doing. He did not follow up and I felt like they just kept dragging me along. My loan should of been really easy. It was not my first time. After reading all of the 1 star reviews I see I'm not alone! I think they pay people for good reviews because this company is really unprofessional! DONT WASTE YOUR TIME!!!!!!! read more

I'm very happy with the service and results provided by DLJ Financial. After having been turned down for a similar loan by my own bank of 25 years, I was cautious and concerned about applying elsewhere. After choosing to visit Lending Tree I was inundated with offers from lending institutions, and that was surprising and bit overwhelming. However, after speaking to Ethan Andres from DLJ, I found that my questions were answered completely and patiently. Ethan explained the terms to me and sent me written info promptly. This company stood out from the others I spoke to, and I chose to go with them. Both Ethan and his associate Maribel Nungaray were always available to answer my questions promptly, by phone or by email, every step of the way, and were completely professional and helpful, and I appreciate their help so much. The terms of the loan are satisfactory and the entire process was swift and efficient. Being a self employed person with my own business, it's not always straightforward in dealing with financial institutions, so I'm especially pleased with how smoothly this process went. I recommend DLJ Financial ! read more

Thank you to Senior Mortgage Banker Steven Page and the entire LoanSnap team. My refinance went smoothly and quickly. The document requests were reasonable and communication throughout the process was excellent. I shopped around and am glad I chose LoanSnap for my mortgage needs. I wouldn't hesitate to recommend them to family and friends. read more

Recently completed a refi with DLJ Financial. The process went quickly and smoothly. There was no pressure or hard sell, just honest and forthright answers to my questions. Paul Roth got me locked into a great rate, and Vu Le was very helpful in getting the loan approved in record time. I contacted three other lenders, but couldn't get the interest rate I was looking for at a reasonable cost. I recommend DLJ financial to anyone looking for a loan or refi. read more

This is an overdue review, but I feel like I need to write it to warn other potential customers. My husband and I decided to refinance our house last summer and picked DLJ Financial based on their wonderful Yelp reviews. We ended up working with Justin Wright. I should say, we ended up NOT working with Justin Wright, because he made the process really frustrating and simply wasted our time. We ended up taking our money someplace else and never regretted it. Justin W. did not communicate well, had an arrogant attitude, and made a lot of mistakes in the documents that were sent to us. He would promise to send us some information by the end of the day, and two days later we would still be calling and emailing asking him to send it to us. In the Uniform Residential Loan Application he sent for our review, we identified twelve errors in the amounts of our income, estimated prepaid items, estimated tax and insurance, initial deposit for the escrow, homeowner's insurance reserves, refinance amount, GFE, etc. My name was misspelled as well. When I asked to correct those errors so we could see an accurate GFE and move on with the process, he basically told us to just work with him on that and never bothered to correct anything. In general, he made us feel like he never had time to deal with us and like we were distracting him from something more important. We ended up working with Theresa Figone from eMortgages.com, and the experience was excellent. She stayed on top of the process and was very easy to work with. Please note that my review applies to one person only, as we never dealt with anyone else in DLJ Financial, but that experience was enough for us to never want to do business with them again. read more

Please see my original review below... Well, after writing a negative review on Yelp about a month ago, I received an email by Glenn Toher requesting that I remove my review and did not accept any liability for his employee's actions. He even tried to persuade me but I asking that I consider his employee's family and at the same time IGNORING MY FAMILY. He later responded to my review with a series of lies... For example, I never stopped communication with this company, I only asked to be contacted via email to avoid harassment and to have a record of every conversation . Also, Paul Roth assured me I would qualify if I modified my taxes, something that Mr. Toher totally forgot to mention. My negative review stands!!! Hopefully, some day they will accept their responsibility. I am deeply upset, frustrated and distraught due to the incompetency, irresponsibility and negligence in the inappropriate handling of the refinancing of my home mortgage loan by Mr. Paul Roth of DLJ Financial Services in Irvine. I was referred to DLJ through Lending Tree.com. From the first moment we spoke over the phone, I was 100% honest in disclosing that I had a low credit score and had been denied by my bank and another lender, but I wanted to be certain I had no other options. He informed me that my low credit score was not an issue at all and that they accepted a credit score as low as 580. After he reviewed my file he stated I did not qualify because of my debt-income ratio. I understood the latter because I had not qualified on my own in the past for my existing loan, so I asked if we could include my wife in the loan in order to qualify. Mr. Roth informed me that he calculated that if in our 2015 Tax Return it appeared that my wife made a specific amount of money, he was 90% sure that we could qualify. Before filing my taxes, I sent him a copy, which he reviewed and also had his underwriter look at it. He said everything looked excellent and that I need to file them immediately in order to initiate the loan process, which I did. By following Mr. Roth's advice, I incurred a $3,000 debt with the IRS. At the beginning, I accepted because it made sense, however, two days ago, he regretfully informed me that I still don't qualify. What angers the most is that he now changed his mind and said that I could still qualify if I increase my credit score to 620, something I already knew.... Wouldn't it have been better if he informed me this from the very beginning and not make me waste my time, raise my hopes and make me incur unnecessary debt with the IRS for $3,400????? I hold Mr. Roth and DLJ responsible for this debt. I will not continue using there services to refinance my home mortgage loan and I hope others will not be fooled by this person like I was. Thank you. read more

I was told by 3 different Loansnap reps that they could beat my rate with Quicken Loans. I sent them my doc showing my deal from Quicken and now they won't even return my call or emails. They could have called to say "Hey, I'm sorry we can't beat that" but they just kept egging me on. When they saw the proof. They ran. Fraudulent liars. read more

In 2013 I had a refinance with Ms. Collette Pekal and everything was set or so I thought. I sent her all my docs and I was ready to sign to make the loan official. Then out of nowhere Ms. Pekal doesn't take my calls and I don't hear from her. I didn't pursue it. I thought she was just a scam artist and was going to do harm with all my personal information. I waited a bit and nothing occurred with my information, so I let it ride. As of this day I still don't know what happened. Nonetheless, I will NEVER call on DLJ again. read more

If refinancing you will have a smooth and pleasant experience using DLJ Financial. I can personally say Mr. Matthew Dalton was honest, professional and has the gift of impeccable customer service. Mr. Dalton always kept me informed with any concerns or questions I had thru out the process of my loan. DLJ Financial exceeded my expectations and not only will I go back for any additional needs for my properties but I will also refer all my friends and family to do the same. Definitely my lender for life. My thanks to Mr. Dalton and the whole team at DLJ Financial. Amazing experience!! Michelle Williams read more