Dino and Mario are simply the best. I can't imagine a Southern Californian lender offering a…read morebetter customer experience. When you combine the most knowledgeable, the friendliest, the quickest... the list goes on. So helpful in guiding us along the way and making the home buying experience easier. THANK YOU!

Everyone was infor.ative and friendly. The process went smoothly and I would highly recommend.read more

Horrible horrible customer services as a company. I travel to the border they did not autorice my…read moretransaction I was trying to pay to the dentist so I call them. 99% of time they do not answer the phone or call back I was beyond embarrassed I had the funds and the bank did not approved the transaction I call them Multiple times they did not answer the phone and did not return my phone call is not the first time so after 20 years as a good customer I will close my account for good. You save money with fees but customer services is horrible. I want to Rate them minus ~5 stars

Extremely disappointed with the mortgage underwriting team at OCFCU. Despite providing clear…read moredocumentation and citing specific Fannie Mae guidelines (B3-3.7-02) regarding business cash flow, the underwriting team ghosted me for a week, and their manager Monica Partida refused to apply standard industry add-backs, resulting in a wrongful denial. OCFCU went back on their word after I was promised by my loan officer Jennie Jacobson. that OCFCU would apply standard industry add-backs to my income. While she promised to use standard industry add-backs to secure my application (and Hard Credit Pull), they then fundamentally changed the "rules" during underwriting to deny the loan. Indeed, the entire culture at OCFCU is decayed with failed communication at each level. Even after escalating my credit appeal to the executive board, I was ghosted for two weeks with zero accountability or rebuttal. The executive board (Kathy Jumper, Donald Carazo and Jeff Harper) never sent me a single message acknowledging my escalated complaint and appeal. My appeal was affirmed and singed by OCFCU fourteen days after the fact and coincidentally the very same day I told them: "Too late, I will be publishing my bad experience with OCFCU online." Although, instead of simply emailing me an update, they claimed to have snail-mailed me the response to my appeal--nothing was ever received in my mailbox. If you are self-employed or have a complex income, save your credit score and go to a lender that actually understands modern secondary market requirements. UPDATE (May 13, 2026): After escalating this matter to the Executive Board and the NCUA, the Chief Lending Officer Jeff Harper personally intervened to make right on the misrepresentation of underwriting standards. The Credit Union has since facilitated the removal of the hard credit inquiry. While I appreciate the eventual accountability from leadership, I do believe the initial process for self-employed members remains flawed. 3 stars for the resolution, 1 star for the experience.

An absolutely fantastic experience with Full Circle Home Loans. My first person of contact was…read morewith Tiffany who was incredibly informative, authentic, and responsive. After talking with Seth, there was zero doubt in my mind this is the team I want to be a part of. The group has been outstanding from beginning to end with getting the second home loan. It feels incredibly personal and they are most definitely there to hold your hands and encourage you. I had a bit of a panic attack one day during the process and reached out to both Seth and Tiffany. They were able to bring me back down to Earth, reassure me, and bring me back to feeling excited. This was exactly what I needed. Short term rentals are still very new to me but if you need a team to get you through this, this group is the one. Cannot wait to continue to do work with them.

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

Jason is an expert at his craft. He will comb through all the possibilities and present you with…read morethe best approaches to consider. He is very detail oriented and very easy to get a hold of. I would highly recommend Jason and will work again with him in future opportunities. - Wilson

Contacted Ladera for assistance with a refi. Was told I would receive the needed documents. That…read morewas over 2 weeks ago and never heard back. Have now gone with a more reputable lender

I have had an amazing experience doing all my taxes with Peshke Financial. The team is organized…read moreand gets everything filed and completed in such a timely manner. Makes this time of year beyond easy. Thank you!!!!

Chad and his team are awesome. Super quick, organized, and on top of everything. Chad gives solid…read moreadvice, and the whole process is smooth and easy to follow. Honestly, I'm so glad I found them.

Absolutely!!!!!!!!! Home away from home! #Kurt Cymerint fan! Thank you for the blessings after…read moreblessings.

got a mail from them and it was all a very smooth process with great people. we closed under 20…read moredays which was very crucial for me

What a great team to work with. Thank you Armin Afshar. You have made the process go very smoothly…read more Your professionalism was beyond words. Armin was always available to my questions. He provided excellent updates and status reports throughout the whole process. He communicated with me on a weekly basis and kept me in the loop on every step from first day to the closure. Thank you again

As a first-time buyer, I had the pleasure to work with Armin (Guardian Capital) regarding my…read moreproject. I have exchanged probably 40+ emails,Calls and SMS (my preferred communication method) with him asking a lot of questions, and to run different scenarios over 3 months! Armin went above and beyond to always provide top quality responses. As most (first-time) home buyers, I have inquired to various mortgage lenders (banks, brokers, etc.). I did send the exact same email - to introduce myself, describing my project and asking questions - I can tell you that I was deeply shocked by the contrast between the responses... some banks were clearly unprofessional: did not respond to the questions... and even worst... providing their opinion about the real-estate market and their own preferences for various neighborhoods ... some always had excuses to postpone a detailed answer (broken laptop, business travels, etc.).... Armin was simply amazing... always spot on in all his responses, explanations... always suggesting what would be in my best interest... always responding... he was simply outstanding...! I cannot stress enough how satisfy and lucky I was to have chance to deal with Armin regarding my project. Armin is a great, friendly, and honest person... if you have chance to work with him... go ahead, you wont be disappointed!! As far as I am concerned, and I was able to witness a lot while shopping for lenders, Armin is a gold-standard reference in terms of Loan Officer and best advisor..., he's in a league of his own! Highly Recommended! Thank you Guardian Capital (Armin)

Cory is very knowledgeable about the market and can help you secure a loan at the lowest interest…read morerate available at the time.

Cory and Tabatha are the absolute best in the business! They closed my purchase loan in under 2…read moreweeks with an amazing rate. They are so knowledgeable and answered all of my questions quickly. They made sure the escrow went smoothly and kept all parties informed throughout the process. They are the only lending team that I trust, this was my third transaction with them. 100% recommend!

Our real estate agent referred us to Franklin Direct, and we worked with Justin Walsh…read more We thought getting a loan would be super stressful--tons of paperwork, digging up old documents, slow responses... just a lot of back and forth. But Justin made the whole thing way easier than we expected. He answered all of our questions fast, kept everything moving, and helped us close in just 15 days. What we thought would be a headache ended up being the smoothest part of buying our home. We're really glad we got connected with Franklin Direct and Justin. We'll definitely recommend them to anyone buying a home.

From the get-go (the pre approval process) to the actual loan process and finish and even now AFTER…read moreloan closing and escrow, Justin and Christel have been there every step of the way. They gave us a checklist of items they needed, when they would be needed, when the next steps and process would be and were great at keeping track of, following up and just to answer all of our questions. Could not have asked for a smoother loan/escrow process with them and our realtor. They explained everything and gave us all our options even if they were time consuming for them to research/formulate, just so we could go with the best loan for us. Christel especially... you were amazing to work with and so thankful for always checking in and making sure this was as stress-free as possible.

Highly recommend! Mazzo Group takes care of the clients very well. Very professional and diligent !read more

We had a great experience with Zach, John and everyone we dealt with in The Mazzo Group throughout…read morethe whole process. Timely communication, accurate information and swift execution were the highlights of our transaction.