I've used Heather a couple of times now for obtaining pre-approvals and I have been impressed with…read moreher speed and efficiency! She always responds back as soon as possible, whether it's email/phone/text. Sometimes I will text her and get a response back a minute later! I am also impressed her with knowledge of the market. No one has a crystal ball but she is not afraid of sharing her opinions on where rates might be heading and she has good analysis to back it up. In my experience lenders may try to push you into things not in your best interest, this is definitely not the case with Heather and her team. Valerie was also super helpful and knowledgeable!

Highly recommend!! Heather and Valerie were above expectations in all aspects. Very communicative,…read moreknowledgeable and supportive. The whole process went very smooth. P.S. this is the second deal to close with Heather and will definitely do more with her.

I've worked with JJ and his team for over eight years, and there's a reason I continue to…read moreconfidently refer my clients to them. Real estate transactions are rarely perfectly smooth -- and it's in the complex, time-sensitive moments where true professionals stand out. Time and again, JJ and his team have navigated difficult files, solved problems before they escalated, and delivered results when it mattered most. They communicate clearly, anticipate challenges early, and remain steady under pressure. More than once, they've stepped into situations that required creative structuring, tight timelines, or last-minute adjustments -- and they've simply handled it. My clients consistently feel informed, supported, and protected throughout the process. That level of consistency over eight years is not accidental -- it's a reflection of expertise and integrity. I trust them fully, and in this business, trust is everything.

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.

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.

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

I've had more than half a dozen transactions with Paul over the past decade and I am so impressed…read morewith his proactive professionalism. He GETS IT DONE!

Great experience with Paul. He explained each step of the process and there were no surprises. He…read moregave us a great rate and we got our money when he said we would.

Amy Balsz and Meg Malstrom of First Team were the best realtors to work with. The know the market,…read morethe area, and the type of house we had to sell so they were able to give invaluable advice throughout the home-selling process. Went above and beyond. Highly recommended.

If you're looking for realtors who truly go above and beyond, look no further than Amy Balsz and…read moreMegan Malstrom. These two are more than just top-tier professionals -- they are the heartbeat of the neighborhood. Amy and Megan are neighborhood specialists who pour their time, energy, and hearts into the community. From thoughtful updates and handy notepads on doorsteps, to flags on every yard for the holidays, to delivering cookies at Christmas -- they consistently show up in ways that go far beyond the real estate transaction. It's that personal touch that sets them apart. They always do what they say they'll do -- and often more. Whether you're buying or selling, you'll have two of the most knowledgeable, trustworthy, and caring professionals in your corner. Their communication is clear, their marketing is sharp, and their follow-through is unmatched. The entire process felt smooth and stress-free thanks to their guidance and support. Amy and Megan make you feel like family -- and that's rare. This isn't just a job to them -- it's a calling. We're so grateful for all they've done, and we wouldn't hesitate for a second to recommend them to anyone looking for expert, heart-first representation. Thank you .... thank you so much!!

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.

Matt is my go-to guy for any home loan. Before I met him, I used to shop around and have multiple…read morebrokers compete just to make sure I was getting the best rate. With Matt, I don't have to play that game anymore. I can call him knowing I'm getting one of the most competitive rates available. He's not trying to pad the rate or make extra money by adding unnecessary spread--he's straightforward and transparent. I've also learned that when you're buying a home, getting the loan closed is priority #1. A slightly lower rate doesn't matter if the deal falls apart. Matt understands that and knows how to get deals across the finish line. On our most recent purchase, we ran into a major appraisal issue late in escrow that required switching to a different loan product. I honestly thought the deal was dead. Matt somehow found us a new lender, secured an even better rate, and got everything closed within an incredibly short timeframe. It felt like he pulled a rabbit out of a hat. I wouldn't trust anyone else with my financing. Beyond being excellent at what he does, he's just a genuinely great guy to work with. He makes what is usually a stressful process enjoyable, and I recommend him without hesitation.

I have worked with Matt before on another loan and after working together on two loans now, I will…read moreexclusively continue to work with Matt and NAF in the future. Response, customer service of the overall team, as well as making the process simple and seamless, are reasons to work with these guys. Rate and closing costs were lower than expected and overall experience of the loan process was excellent.

American Funding has handled several re-finances for us, both VA on our home, and regular on our…read morerental property. They are always thorough, seem to get the best rates, and make the process as painless as possible. We highly recommend American Funding for their financing services.

Don't recall how I found this site but i ventured. Turns out that they are nowhere near competitive…read morein financing terms. Not much else I can add....

Was referred to Christian at Mares by a friend who had done Work with him in the past. This was one…read moreof the smoothest transactions with the mortgage company I have done. No delays no headache. Christian was quick to explain everything and the process along the way.

I've been a realtor for approximately 30 years. I worked with many lenders over the years. Mares…read moreMortgage is one of the best! Responsive, professional and easy to work with. Immediate response to emails. I highly recommend Christian and Cubie!! Mares Mortgage is awesome!!