My wife and I had been searching for a home for almost two years. After multiple disappointments…read moreand rejected offers with other agents, we were feeling defeated. That all changed when we met Gabriel Cruz. We were initially introduced to Gabe because a property we were interested in required buyers to be pre-approved with their preferred lender--Gabe. As it turned out, we needed pre-approval anyway, so we reached out. From the very beginning, Gabe was honest, upfront, and incredibly knowledgeable about all things real estate. His communication is top-notch--always just a call or text away, always responsive, and always clear. After working with multiple agents and missing out on homes time and time again, we were honestly ready to throw in the towel. But we decided to give it one last shot--with Gabe as our agent. That decision changed everything. Gabe worked his magic and got us an accepted offer on our dream home. He stayed up late into the night making sure all the paperwork was in order, never missing a beat. Gabe is thorough, patient, and has a real gift for explaining complex things in a way that makes sense. He answered every question we had (and we had a lot!). He wasn't just our lender or our agent--he became a trusted advisor and a friend through the process. If you're looking for someone who genuinely cares, who will go the extra mile, and who has the expertise to back it up, we wholeheartedly recommend Gabriel Cruz as both a lender and a realtor. He made the impossible possible for us, and we'll forever be grateful.

This Shout Out goes directly to Gabriel Cruz in particular! I can not speak highly enough about…read morethis man. First and foremost, he has helped my family and I out TREMENDOUSLY on several occasions! His services are exceptional; but as a person, he is extraordinarily and goes above and beyond for his clients . All I can say is that I will never make another deal with any other person. Gabriel deserves 10 stars on this list. I would just like to thank him again for assisting us even when it seemed impossible! Gabriel is #1!!!!

Sharon Cohen was a lifesaver when it came time to buy our home. Not only did she get us the best…read morerate possible, but she guided us through the process with her expertise, knowledge and calm demeanor. She went above and beyond, making what can be a stressful experience incredibly smooth from beginning to end. She was always available to answer our questions, and we knew she had our best interests in mind throughout the entire transaction. Sharon kept us on her radar and reached out when interest rates dropped, securing a refi and saving us thousands a year. She's a true professional with a heart of gold, and we look forward to working with her again in the future.

Mike and JB helped us with a refinance. It was the smoothest financing experience I've experienced,…read moreMike was very thorough explaining the process, our options and walked us step by step. JB helped us with gathering documentation and closing docs. Entire process was a few weeks long and was very straight forward. They got us great rates and found us a great lender. Would highly recommend the team for a home purchase our refinance.

My wife and I just closed on our first home, and got our mortgage through Neil and his team…read more We were beyond impressed with Community First Mortgage, and would highly recommend them to anyone in need of a mortgage broker. Neil walked us through every step of the process and was incredibly responsive. As first-time homebuyers, there were lots of things we didn't understand and Neil took the time to explain things clearly. We felt confident we were getting the best rates, and had the best team working hard for us. For reference - it took us FOUR days to get our loan "cleared to close" from the day our offer was accepted. We had a 14-day escrow period, and our loan was ready to close well in advance. That was an incredible feat by the Community First Mortgage team, and took a ton of pressure off of us with such an aggressive escrow timeline. Lastly, Neil also recommended our real estate agent, who was another incredible addition to our team. The folks at Community First Mortgage have a five star rating for a reason, we could not have been happier with the service we received and look forward to working with them next time we are in need of mortgage brokerage services.

I highly recommend Justin to anyone looking for a loan!! We just finished my first cash-out…read morerefinance at a fast speed and Justin just gained a lifetime client as I will be coming to him again for my future lending needs! He worked incredibly fast, had the best rate, communicated very clearly, had great manners, advocated for me, and made it easy-breezy. I'm self-employed with complicated income situation. Before going with Justin, I was shopping with 10 different brokers (yes, TEN, I'm not being hyperbolic). The rate and terms he got me was so ridiculously competitive that his competition laughed when I told them, until they realized I wasn't bluffing. Not only were his competitors unable to beat it, but more importantly, they couldn't provide the speed, the smooth process, and advocacy Justin could, which matters a lot in time-sensitive loans. Most brokers feel like they work for the lenders "this is what the lender has and requires", Justin actually feels like he works for my benefit. During the process, Justin had everything scheduled and covered with a clear timeline, I barely had to lift a finger unless it is something only I can do. Justin also had great connections that sped up the appraisal and other steps in the loan process. He even advocated for me and got me extra benefits and more favorable loan terms.

We contacted Justin about a HELOC. He analyzed our situation and quickly realized a reverse…read moremortgage would be better for us. (Lots of equity, no kids.) He worked through our resistance and we got the reverse mortgage. Great move. We've already used our equity to paint our house, get mini-splits and new windows, and redo our kitchen. None of it would have been possible without Justin, to whom our retirement years owe a huge debt of gratitude.

Steve at Premier Funding is "The Man" His experience,…read moreknowledge and key people will help the process of getting your loan funded as effortless as possible. I have used Steve on several occassions because he seems to get the job done every time, despite the "hicups", or related problems that occur. He is professional, alaways aware and maintains great communication between all parties. When 7you need a loan, or a re-finance, see Steve at Premier Funding, he will hook you up!!!!

Steve and his team are true professionals. When making a home purchase, your future, in a sense,…read moreis in his hands because it is such an emotional process. Steve knows this and treats his clients accordingly. He is so devoted and reliable in what he does. When you go to Steve for a mortgage, it is much more than a transaction. There are so many moving pieces and Steve gets you to the end. I am a repeat client. In fact, I will never go to anyone else for help in getting a home loan or doing a refi. In fact, Steve has handled 6 transactions for me in my home buying and refinance history.

Working with Todd to help us purchase our first home was the best decision we made! Todd was…read morehelpful, attentive, kind and explained things so we could understand. He got to know us as a family and I felt like every interaction was with an "old friend". Todd went above and beyond to help us achieve our home buying dreams and I will recommend him to everyone for years to come!

I have known Todd Ross for at least 35 years and have used his company for multiple transactions…read moreincluding purchases and refinances. He has become a valuable asset to have and I am honored to have him as a friend and financing tool. I have referred him to my family and business contacts as well because he is honest and trustworthy. I will continue to recommend him for as long as he will allow it.

Buying my first home in Los Angeles was one of the most exciting yet stressful chapters of my life…read more After searching Yelp for the best mortgage broker, I found Bill Rayman, read his glowing reviews, and decided to reach out. From our very first conversation, I knew I was in the hands of a true professional -- someone who not only understands the mortgage process inside and out, but also genuinely cares about his clients. We faced several unexpected challenges from the seller's side, but Bill navigated every hurdle with calm confidence and creative problem-solving. He has a rare ability to make a complex, high-stakes process feel smooth and painless. Bill's professionalism is matched only by his human qualities -- patience, kindness, and an unwavering dedication to his clients' success. What impressed me most was his resourcefulness. Bill sees solutions where others see roadblocks. He explored multiple strategies to ensure I got the best possible loan, always explaining each step clearly and making sure I felt informed and comfortable. He was responsive, attentive, and proactive, often checking in before I even had to ask. In the end, I not only closed on my dream home, but did so with complete confidence in every decision -- thanks to Bill's guidance. He's the kind of person who turns what could be a stressful journey into a positive, even enjoyable experience. If you're buying a home -- especially if it's your first -- I cannot recommend Bill Rayman enough. He's not just a mortgage broker; he's a trusted partner who will go above and beyond to make sure you succeed.

It's been such a pleasure working with Bill Rayman. He goes out of his way to make sure the clients…read moreare well taken care of. He is very knowledgeable, punctual, and kind. I will definitely continue working with him.

When my client's say, "Samantha makes me/us feel so comfortable" it's like music to my ears…read more When I refer Samantha, I know she is going to take care of my clients. Being in the real estate business, my client's depend on me for not only my expertise, but my confidence in my referrals as well to help them work through every facet of the real estate transaction. Furthermore, Samantha is one of a few professionals I know that actually calls me to keep me posted. Follow-thru and communication is key in this Industry, and I can't tell you how invaluable it is to have someone always on top of their work, keeping the communication lines open. I will refer Samantha over-and-over! Thank You Samantha!!

Samantha helped me with my refinance on my house. She was super friendly and made me feel…read morecomfortable knowing i was in great hands. She let me know all my options and guided me through everything. She was professional, organized, on time, honest and patient! She made this crazy experience a pleasent one! I would recommend her to everyone!

Wow! What fantastic service…read more I recently purchased my first home and was referred to The Mortgage House by a friend. They have such a fair and honest team, and made the whole experience so easy and comfortable. I highly recommend this shop for anyone in the market for a mortgage. You won't be disappointed.

In escrow for two weeks the previous lender had not started the application for the loan…read more Fay at mortgage House came to the rescue and closed it on time. Thank you Fay for your hard work and professional conduct. Your response time has been superb during the transaction. Highly recommend The Mortgage House.

I've had plenty of experience buying homes and well I've been communicating with Nilu Askari for…read morethe past week trying to get cross approved per the selling agent's requirement. We have already been pre-approved by BOA (letter) and have our first property with them, this is a second home for us and have been experiencing some major hurdles trying to get this done. I sometimes think that since they have messed up so much during this process that they have failed in gaining our trust that they would at this point delay in getting us approved so that they could wait for an other offer on the property we are interested in and try and gain that business form the next person. I'm a fair person and understand but when your site doesn't work and keeps refusing to accept your information, calls are not returned and you are pretty much not getting help well it looks pretty disappointing all the way around. UPDATE 7/30/12: THIS MATTER WAS NOT RESOLVED, My conclusion was that Nilu was not happy to cross-qualify us for the listing agent since she knew that she would not obtain the business from a qualified BOA buyer. So she did everything to delay this approval since her site was broken she wanted my wife and I to drive to her location over an hour away after a week and a half of trying to get her to accept our information over PDF files. Well I'm happy to report that we ended up buying the property with an all cash offer 15K below what we had originally had offered. This chick screwed the listing agent and the seller. She did this only to look after her own interest and not the interest of those who are referring business her way. GOOD JOB NILU, I'm exposing they way you really do business, I certainly hope that you lose that business from those who take the time to read this review since you deserve to be treated the way you treat others. SHAME ON YOU! ONLY IF THIS GETS RESOLVED:: Will I make changes to this review, I have tried in good faith each day to communicate with this business but I was only told and I quote message from my real estate agent: "but you can tell him (referring to me) that his sarcasm will get him everywhere.".... Obviously she meant that it won't get me anywhere however I expressed no sarcasm, actually I expressed my concerns since her web-site is broken and I simply asked her if all she would do is call us to gather the information she needed, it's that simple. As I said, I'm a fair person but if you are refusing to do your job and are holding up the opportunity for me and my family then I take it personal and I'll be happy to leave this review up and add in more details later.

My wife and I worked with our loan officer Josh L., who was recommended by the awesome agents Eli &…read moreCaroline at Teles Properties. Given the skyrocketing prices of homes in Southern California, my wife and I experienced trepidation with whether we could afford/qualify for a mortgage as first-time home buyers. Then we met Josh, who upon looking at our financial situation, wiped out all our anxieties like a Harry Potter wizard waving a wand. From the very moment we put down an offer to closing escrow, Josh was there providing guidance with dos and don'ts with our finances, answering (more like calming our fears of the unknown) our questions, and always acting in our best interests overall. This review wouldn't be complete if we didn't also praise our loan processor Darleen V. , who like Josh, was also very friendly and responsive. During escrow, I was e-mailing Josh & Darleen daily. Now that we closed escrow, I actually miss them. Have you ever had a medical procedure that you thought was going to be painful because everyone else told you so previously only to discover that it was not bad at all thanks to an excellent doctor? Well, Josh, Darleen, and Team Skyline are like those doctors. Thanks Skyline!