Natasha is amazing! I will always do business with her. She is kind, friendly, supportive, friendly and professional- and knowledgable! She communicated with me several times a week, sometimes a day to keep me posted on the process and progress of my application! I trust her. What a pleasure to do business with and the very same goes for Lisa on her team at DLJ. Thank you ladies for your professionalism, I am a fan! read more

This is our second Yelp review for DLJ Financial based on updated experiences. There are currently 93 Yelp reviews for DLJ, 9 are open to view and 84 are viewable but "filtered". My wife and I wrote the very first review that appears for them on (9/10/11). For some strange "Yelp Reason", our review and a LOT of other VERY positive reviews reside under the "filtered" section. Why..... I don't know? We are not connected to the company in ANY way, and like many others I'm sure, we're just VERY satisfied customers who want to express appreciation in a public forum. We have now completed 4 re-fi's with DLJ and our experience on all of them has been simply FANTASTIC and everything I said in the first review.....holds for the subsequent ones! In all 4 cases, we have used the totally professional team of Jesse Somberg and Michelle Disharoon. Some of the re-fi's involved our personal residence, others involved rentals.....out of our local area. Each one was handled smoothly, efficiently and quickly. If they didn't make it SO easy...... we would have had serious thoughts about re-financing 4 times in a year and a half! Thanks DLJ, Jeese and Michelle..... you have our gratitude and THE highest recommendation possible! Erik and Terri Larson read more

This was my first refinance and I have to say it couldn't have gone any smoother! I worked with Erin and she walked me through the whole process step by step. I felt like I was her only client (surely not the case) and she was happy to answer all my questions and even teach me along the way. I locked in 3.375% with no fees or points paid which was better than every company that hit me up from a lending tree application. For $500 or the cost of an appraisal fee we are now saving $400 per month so it will pay for itself in 5 weeks time!! I would recommend DLJ to anyone who wants an easy quick process, good customer service and a quick close to their loan read more

This is the second time I've refinanced my home with DLJ Financial and I'm very impressed and satisfied with the professional service I've received from Mr. Raul Lopez, Ms. Michele Disharoon, and Ms. Valerie Inocencio. Together, they worked in tandem to make my refinancing experience very smooth and stress-free, helping me go through the paperwork and other requirements, and providing me with continous updates all along the process. I am extremely grateful for the work that the DLJ Financial professionals have done for me. I will certainly be recommending DLJ Financial to anyone looking to finance/refinance their homes. read more

Omar Lang and his team provided excellent service. Service above self should be integrated into their mission statement. They were extremely courteous, kind, efficient, and willing to answer all questions no matter how tedious those questions were. I refinanced my home...lowered my interest rate, reducing my mortgage payments by almost $300 a month. In the midst of the refinancing, I was able to skip two mortgage payments and received funds from my impound account at the end of the deal. I will use DLJ Financial in the future and forever. I specifically enjoyed working with Omar and Diane. You guys are the absolute best. Adrienne S read more

My husband and my experience with Jason Ermigarat and our whole refinance experience with DLJ Financial was seamless and really stress free. As this was our first refinance, we had a lot of questions and concerns and Jason always made himself available (as did Belinda Parker, our loan officer) to address all of those questions and concerns. We even had a nice surprise that our appraisal was waived (a savings of $450 to $500 out-of-pocket costs). We will refer any friends or family who want to purchase or refinance about DLJ. Thanks DLJ! Sergey ang Mary G. read more

I have closed 3 loans with Lisa Parra and DLJ. The process gets smoother and smoother each time. Such a great experience working with Lisa and DLJ. I recommend them to everyone. read more

I have nothing bad to say about DLJ financial. Colette Penkal and Diane Kusicki were great. There communication was awesome. They were there for anything that I needed. I will definetly refer people to DLJ. Thanks again DLJ for a smooth and easy refinance. read more

DLJ Financial was the best. Let me say Paul Roth and Shelley McKee were the best. Not only did they keep me informed on the status of the loan but they were understanding and worked with me through a difficult time in my life. The process was long but all worth it due to these hard working people. Great service and I will recommend them to all my family and friends. read more

This is my second time using the guys at DLJ and I have to say the first time was very painless. My second situation involved a lot of work to get the loan done by a very strict timeline as I am leaving the country for a month. Well they have managed to push the refi through after some huge hurdles and even gave back some of the commissions to expedite the loan for me. I have to personally thank Paul Roth and Sekani Hamilton for their tireless effort on an extremely difficult loan. Both you guys rock!!! I would personally recommend these two for all your mortgage needs. read more

Wonderful experience. I had done a refinance in 2009 but the experience left me dreading ever having to go through that process again. However, DLJ changed that for me. The process was smooth, clear, and transparent and made me feel very at ease with the process. Highly Recommend! read more

All I can say once again, DLJ Financial, thanks! This is the third time I've worked with Colette Penkal, and she is the most valuable team member at DLJ. Her and Janeen are very professional, quick to respond, and I think it was a record closing. This was my second purchase. I closed in 22 days with New Years and Christmas in between. It was amazing how fast everything came together. It was such a smooth transaction. The information provided was clear and precise. I had trouble with my realtor, and Colette offered up additional help after my loan closed to help me with information on how to approach an issue I was having. I can't rave enough about the support and service that I have received every time I have used Colette. I will be a lifetime follower of Colette and DLJ. read more

This is my second refinance with DLJ financial and I had the pleasure of working with Lisa Para on both occasions. I was extremely satisfied once again as the process went smooth and quick. They were efficient and gathered all the information they needed at the up front and Ionly had to provide and additional paystub while the loan was being processed. I didn't receive any unnecessary phone calls or emails since they worked efficiently and quickly. read more

Worked with Paul and Colette to refinance my home--very efficient and expediant. Only issue was that I mentioned I wanted to retain a portion of an equity loan on the house and found out that it had been completely closed. I would definately use them again and recommend DLJ. read more

My wife and I just refinanced with DLJ for what we hope is our last refinance ever. We had been with another lender for quite a while, but were not getting the best possible rate from them, despite numerous refis with them, and despite our own excellent credit history. When my former lender suggested a refi, and once again offered a higher rate than I thought we should be able to get, I contacted Matt Brigham at DLJ and got the rate I thought we should get. Matt and his team handled my loan efficiently and professionally. I give Matt and the entire DLJ team the highest recommendation. read more

i recently finish my refi and it was very stressful in the beginning. I had to go through several brokers and none of them was able to help me. i was trying to refi without a co-borrower and after paying appraisal so I can switch from an FHA loan I did not hear from the other broker. After getting turned down by other brokers I finally get in contact with Alex Ortiz of DLJ Financial. He was able to get me a lan in 30 days and even refunded what I paid for my appraisal! The loan processor Christie Bouvaird is vey helpful and always stays on top of things... I highly recommend going to DLJ Financial especially if you have complicated case. read more

I just closed on a VA loan refinance with DLJ and it was a great experience. My original loan was with Bank of America and the experience was less than favorable. I have no complaints at all with DLJ and would highly recommend them to anyone. I primarily worked with Mr. Arnaud Dufour and he was professional and courteous throughout the entire process. Overall, I was completely impressed with both DLJ and Arnaud Dufour. I have recommended them to several friends and co-workers and will look to them for any future home loans.. read more

My husband Jim Bates and I recently completed refinancing our home with broker Martin Franco and his staff. While the process unfolded easily, we were surprised to learn during the negotiation that the company did not represent our interest but that of the lending bank. DLJ also could have been more forthcoming with its explanation of the costs of the loan. Once that was straightened out the final closing steps went smoothly. Being able to scan and send documents via e-mail proved to be a simple method for streamlining the paperwork, too. We were especially pleased by the professional and patient staff who work with Martin including the Notary Public who came to our home. read more

This is my second review for DLJ Financial, because the service was so great, I went back for more! When I refinanced last year, they did such a good job that I immediately called them when I was ready to buy a new house. Bryan Bowmer got me a great rate and was very responsive. He made the process as painless as possible and we closed in less than 30 days. I would definitely recommend Bryan and DLJ to anyone in the market for a refinance or a new home. read more

I had a great experience with DLJ . I had to buy a house to move in right away as my home was already in escrow when I came to DLJ. Martin Franco had helped me close a loan within less than 3 weeks and during the Christmas holiday. He informed me almost on a daily basis the progress of the loan. At no point was I left in the dark. No surprises. I will definitely use DLJ Financial and Martin's help again in the future. I appreciate all their help. Thank you DLJ. read more

I recently did a refi on my home with DLJ and worked primarily with Colette Penkal. She was super helpful and easy to work with. She streamlined things and was always quick to get back to me if I had questions or problems. I was very happy with the percentage rate I was able to get. I would recommend their team for any refi! read more

This company is a SCAM!!! I was unfortunately assigned Michelle Aclan as my loan specialist and clearly she does not do her job even kind of ok. I was promised they make the process easy and offered a low rate and low closing cost and as soon as they collect your money for an appraisal fee of approximately $500 they just pretend to work on your loan. They will drag out the process and just hope that you will get tired and go away. I was doing a simple refinance to take advantage of the low rates. We were approved right away as we have good credit and equity in our home. Told the process takes about 30 days but 45 days passed and they said two more weeks, two more weeks passed and they said two more weeks as those two weeks passed they gave no more updates for awhile. When they finally updated us again it was then 30 more days they needed and again they missed that date but we did finally get some closing documents uploaded with a date but that was all for nothing as they did nothing to actually close the loan. Several more weeks pass and they went back to the two more week theory. They keep asking for more pay stubs and bank statements because our documents are not up to date since they are taking so long. Which we uploaded right away and they ran our credit again to get a current score yet this was outside the 60 day window of the first time they ran it so two hits on my credit for separate inquiries but we still don't have a closed loan. They just make excuse after excuse and asking for more time. We have now been sent a second set of closing documents which the cash out option amount has gone down for the third time for yet our closing cost have gone up for the third time since the original loan review. The closing documents again have all the details of the loan and even a dispersion date of the funds and yet again nothing more done to actual close the loan. Now we are at day 127 and they can't tell me why they can't get this closed other than they are busy and now say they need another 30-45 days to close which of course is just another lie. They give no answers and no resolution. They refuse to refund the money for the home appraisal fee and they have no intention on closing the loan so they just wanted the money for a home appraisal. I hope any person that reads this review learns from my mistake and look elsewhere for a loan as you are not going to get what is promised with this company. They don't deserve the 1 star that we have to give just to write the review. read more

Exceptional Service! Extremely thankful I did business with Jason Ermigarat and the DLJ Financial Services team. Jason Ermigarat and his team were always on top of everything and made the whole process quick and smooth. They are very professional and keep you updated every step of the process. They quickly respond to emails and calls which make the experience outstanding. I highly recommend doing buisness with Jason Ermigarat and the DLJ Team. read more

I worked with Neil Dumatol, first of all I want to say what an Awesome guys he is!!! He made my experience extremely smooth, answered all my questions in a timely matter which is very important to me, overall made my whole process of refinancing an easy one. I was very Thankful that I contacted DLJ FINANCIAL!!! And you will too!! I highly recommend them!! Very Honest Company :) read more

AVOID AVOID AVOID. They are great when you first speak with them, then you get pulled into an endless loop of delays and poor communication. After supplying them with all of my personal info for a cash out re-fi, they strung me along for 3 months before I finally cancelled my application and started working with a respectable local lender. This also delayed the home improvements I was planning and that caused additional headaches and issues for me. They will cite "busy market conditions," but they fail to mention that when closing the deal. I went through all the hassle of getting set up with them, reloading pay stubs monthly, and even had an appraisal done, but we couldn't ever get a close date. They also couldn't provide me with an updated disclosure statement showing the waived appraisal fee of $599 they promised me for a timely upload of my documents. Such a waste of time, I really regret ever trying them. I've done many loans and re-fi's, and Loan Snap has no credibility in my opinion. An absolute horrible experience. read more

Bryan and his team at DLJ did a great job turning around my refi in less than 30 days. Bryan kept me informed throughout the process and the loan closed without any issues. One minor misunderstanding (partially my fault and nothing that hung up the deal) is the only thing holding me back from 5 starts. I recommended Bryan to my Mom. read more

I just refinanced my home and the process was extremely smooth thanks to Colette Penkal and Janeen Cadwell. These two ladies were professional, knowledgeable, and helped me navigate the process with little stress involved. Colette took the time to review all of the numbers with me on several occasions, going line by line explaining in detail what each item meant. This was very helpful for me to really understand my loan!! Colette was available and responsive to my emails and phone calls and I would definitely recommend Colette and DLJ Financial! I will use them again!! read more

After helping us last summer with our purchase DLJ contacted us because the rates dropped significantly last month. I was able to refinance and reduce our payment by over $230 dollars per month. Better yet, the manager Glenn made sure it didn't cost us anything to get this better rate including the appraisal. Glenn and his team were looking out for us, which is kind of refreshing these days. read more

This was the first time I refinanced a home using a company I found on the internet. Boy did I luck out! These guys did a super awesome job! Very clear on costs and super amazing response time to ALL of my inquiries, (even on the weekend and after hours). They went WAY above and beyond! My contact at DLJ, Ethan knows this business inside and out and was super fun to work with!! I highly recommend this company! read more

Naomi is amazing! She was so helpful and reassuring. It can be a very stressful thing financing a mortgage, but she took the stress out of it. Keeping us informed every step of the way. I feel she really went above and beyond to find the best situation for us. Renee also got involved as the funding came closer and she also was incredible. I would highly recommend them, you will not be disappointed! read more

Ethan Andres our mortgage banker from DLJ Financial was absolutely a pleasure to work with. From start to finish he kept us updated and in the loop. The process of our HELOC was fast as well. Lisa the processor was very kind and attentive. From the first phone call I had with Ethan, he was very detailed and had nothing but my best interest in mine. Ethan has definitely earned my business for many years to come. read more

I tried 2 other lenders prior to working with Adan at DLJ. Not only did he get me the money I was looking for but at a great rate! The process was smooth, the people friendly and communication was great. They'll be my first call next time I look for a home mortgage. Highly recommend! read more

I just want to thank Robert McClung and Janeen Cadwell for their kind assistance through the loan process. Although I had many questions in the beginning, Robert provided the information required to make me feel comfortable with refinancing our home. What a great experience and I highly recommend DLJ Financial. Thanks again Robert and Janeen for the great service. read more

After having a bad experience refinancing one of my properties with a large mortgage broker, I was referred to Colette Penkal at DLJ financial. Colette returned my call in a very timely manner and was extremely professional and nice. We agreed to do a 30 day refinance and I was not let down by her promptness and professional staff in getting me refinanced in less than 30 days. I would definitely refer her and DLJ to anyone interested in refinancing. To sum it up, Colette Penkal and DLJ delivered as promised. read more

I am very happy with the services and results provided by DLJ Financial and Jason Blokdyke. After choosing to visit Lending Tree I was besieged and overwhelmed with calls from various lending institutions. However, after speaking with Jason Blokdyke from DLJ, he provided the assurance I was looking for. It was a pleasure working with Jason. Jason walked me through the entire cash-out-refinance loan process and explained everything I needed to know. His professionalism, honesty and knowledge in the mortgage industry made the loan process less intimidating. He was hard working and stayed attentive of the customers' needs and kept me updated. I felt Jason was truly looking after my best interest. I would gladly work with DLJ and with Jason with future mortgage needs read more

We just finished our refi through DLJ and let me tell you this is not my first experience/time buying or refinancing. I have never met a more professional team. Jennifer Diaz was our contact person. She responded quickly to email or phone calls which is a rarity now days. She explained every detail, got us the best interest rate, no cost, and on top of that it was FAST. Took a little over 30 days from start to finish. I cannot say enough about them! I am referring all friends and family to use them now for their mortgage needs. by the way...we did start the process initially with "Quicken Loans"....BIG MISTAKE...they are rated # 1 by JD Powers..and I have no idea how they got that rating, except they probably paid them for it..they were awful, nonresponsive, nonprofessional..and the most expensive of quotes. Don't think twice about calling and using DLJ and run from Quicken Loans before you sign!! read more

My Wife and I selected DLJ Financial because they had competitive rates and were the most pleasant to work with when we first started. Everything went smoothly and our broker Lisa was very responsive. We locked a rate we thought was good at the price we wanted. However, when we received the loan documents, the rate was higher then what we had agreed upon. No communication as to why the rate was higher and when we requested the rate be returned our broker said the rate was not negotiable. Clearly the broker never locked our rate in, perhaps to profit on the difference if the rate went down, perhaps just stupidity, but I would never use this company and I would reccomend you don't use them either. read more

I tried refinancing in January of this year and Matt Brigham handled my loan application. I submitted everything that he needed except my 2011 Federal Income Tax return at the time since this was just in the beginning of 2012. He suggested that I file my taxes asap which I did. Even though he didn't have my 2011 federal income tax yet, he proceeded to process my loan and said that my loan was approved. He then scheduled an appraisal which I paid for. After the appraisal was done and after sending him a copy of my 2011 tax return, I never heard back from him. After following up with him a bunch of times, he finally got back to me 3 weeks later and said that my loan was actually denied, he said because my 2011 income tax return came in very aggressive. But according to my licensed tax guy, there was nothing in my income tax return that was aggressive. I ended up paying $400 for an appraisal on my house on a loan application that I was going to be denied on. Last month, I tried refinancing again. I submitted the SAME documents to the new lender that I submitted to Matt 6 months ago. My loan was approved and closed a week ago. The loan processor said that Matt did NOT know what he was doing and that Matt didn't underwrite my loan correctly. Matt claimed he was experienced, knowledgeable and professional. None of these claims were true. read more

This is an update 7/1/15 in response to the General Manager's response to my initial post below that I would like to address. As a professional, I was never belligerent or used any profanity when communicating with anyone at your office at anytime and I have all my emails, including the ones to and from your where our exchange was very respectful so your statement is untrue. Secondly, my client was not pleased with your services and communicated that to me. She complained that your company waited until the last minute to ask for certain information from her which was the reason for the delays. She never contacted me about this review at all or asked me to remove it, so that statement is also untrue. If you have something in writing from her, then by all means forward it to me. Lastly, I was 100% involved with the process from start to finish so the ball wasn't dropped on my end. I have every email from the loan officer working on the file and even if he couldn't communicate certain information to me, he should have been forthright about the delays, that as you say were beyond his control so that I would not have been under the impression that everything was fine. I would never write an unfavorable review about a company out of anger or spite. The fact that the transaction closed "eventually" is not the point as I was in breach with my sellers for not closing per the contract and you should at the very least acknowledge and take responsibility for it. ********************************************************************************************************* I'm not sure how DLJ Financial is getting all of these wonderful reviews when you can hardly reach a live person there no matter when you call. I tried calling several times yesterday to speak to an office manager or supervisor to no avail. A 30 day escrow (conventional, non-owner occupied, 25% down) that was suppose to close Tues, is now pushed back 10-15 days due to their incompetency. Some excuses given for the delay are loan 101 basics that, had they been done early enough in the process, could have been avoided, like paper tracing deposits, etc. In addition, the loan officer's standard response when asked for an update on loan docs is, "Everything is being uploaded in the system today". Well that was last Monday and here we are the day before a 3 day holiday with no firm close date in sight. It's unfortunate because I will most likely never recommend or work with anyone in the future who uses this company. read more

Never met a financial institution that didn't want the business. I came across DLJ by filling out some information on a 3rd party website regarding a Home Equity line of credit. The 3rd party site set me up with DLJ and they called / e-mailed right away. I talked with "Matthew" and he forwarded me onto "Martin." Talked with Martin and was completely honest with him stating that I had already been approved for a certain amount but was shopping around to see if I could get a better, or equal, interest rate. He said he would see what he could do and send me something over that day. So after waiting two days and not getting anything I e-mailed Matthew (Customer Service) to see if my case was something they didn't want to deal with and let me know either way so I could move on......and nothing. My wife and I have credit scores over 810 and was already approved by a different institution! I was handing them business and they wouldn't help me. Unreal.....I'll be going elsewhere. read more