I'm on home #3 working with Sidney (Beverly Hills, West Hollywood, and Del Mar), and he'll continue to be my first call for broker and mortgage loan needs! read more

If you're looking for someone knowledgeable, trustworthy, and genuinely caring to help with your mortgage needs, Sidney Flores is your guy! He made the whole process smooth and stress-free, always taking the time to explain everything clearly. Sidney goes above and beyond for his clients--I couldn't recommend him more! read more

I have done countless amounts of transactions with Sidney Flores and his team! They are efficient and really go above and beyond for their clients. From the prequalifying process to the day of recording Sid will always answer the phone, will problem solve quickly to ensure a smooth outcome and always get you the best deal in town. Sids experience and creative thought process to get the job done for his clients is unique and effective and shows in every deal! Give Sid and Pacific Trust Group a call when you are thinking of buying, refinancing or selling! read more

I had a really great experience working with Sid. He was very knowledgeable, trustworthy and easy to work with. He made the process really simple. I highly recommend giving him a call. read more

Pacific Trust Group has an amazing team. It didn't matter when I texted, they were always available to help me out! Special Thank you to Sid and Miranda, you guys are amazing! read more

Life changing is quite literally the only way you can explain Sid. Without him, his tenacity and his friendship I would never have been able to purchase my home. he was innovative, creative and focused on the goal we set forth for ourselves. He helped change my life and I cannot thank him enough; he's simply the *best* at what he does. Do not look any farther, if you're not using him and PTG you're not doing it right. they are S-Class, top tier, models for what this industry should be. Thank you Sid and PTG for all of your hard work, dedication and for making my dreams become reality! read more

Keith Baker is amazing! First off, I would like to say that I have been fortunate to have both worked with Keith on transactions where I was the Real Estate agent representing clients and I have also had the pleasure of working with him as a buyer myself in need of a loan. In both capacities Keith was stellar! As a Real Estate Agent I was introduced to him by one of my buyers - he was easy to work with - efficient and professional made the deal go smoothly and both the buyer and myself were impressed with his work. When it came time to buy our own house - we started with another mortgage broker but he was horrible. Immediately I called upon Keith to see if he could help. After being given half info from the first lender I worked with - Keith was able to pick up where the other barely made a dent and worked with my fiance and I from day one to get us ready to be able to write strong offers. At every turn, Keith gave amazing advice on what we should do to improve our credit, what we could pay off, how we could qualify for more or better rates. He answered every question I had - before and during the transaction promptly and in layman terms. Since closing on our house, I have recommended him to another buyer of mine, Keith was able to give him rates that were lower than what that buyer received from others - but the best part - Keith also encouraged him to shop around to see if he could get a better rate - and if not, come back to him. Keith is fair and knows the biz inside and out having worked in all areas of lending in the past. I cannot say enough how much I appreciate Keith as my personal mortgage broker - and as an agent having had the pleasure of working with him to make sure our clients got the best possible representation. I cannot sing his praises enough!! THANK YOU KEITH!!!!! read more

I've worked in real estate for over 20 years and can sincerely say there's no one else I would recommend but Michael Arenz and Keith Baker of Pacific Trust Group. We've worked together on another transaction recently, and I am reminded how great they are. They did my loan when I bought, and the transaction was seamless. Purchasing a home it can be very stressful and it's very comforting to know you are in good hands. They had my file ready to submit to underwriting the day after my offer was accepted. I truly value their honesty and integrity and I cannot praise them highly enough. read more

Vivian is awesome! She guided us through our first (and I hope last) refinance of our home loan. She helped us find a great 15-year rate and stayed metaphorically by our sides all the way through close. I recommend her with full enthusiasm. read more

This review is for Vivian Gueler at Pacific Trust Group, who helped my wife and I buy our first home in Burbank. It was a bit of a tough transaction, because we were buying this house from someone in bankruptcy, so the escrow was open for four months. But Vivian made the process super smooth! She went above and beyond to explain everything that was happening, keep us in the loop, and give us frequent updates. And she is just a wonderful person, so friendly and kind, I honestly don't think we could have gotten through without her calm and steady hand. Thank you Vivian! read more

I have been doing business with these folks for over 8 years and look forward to another clean, painless refinance soon. Keith Baker is extremely professional, direct and honest, and on the rare instance where he doesn't answer his phone, returns messages pronto. Quite a difference from some of the johnny-come-lately buffoons that hung out a "Mortgage Broker" sign to cash in on the housing bubble and helped to create the mess we're all in. These guys are the real article. Highly recommended. read more

Fantastic service! Buying, refi- call Vivian Gueler. She goes above and beyond. The only finger I had to lift was signing. No driving! And she always responded the same day. And..great rates! Want a house? Call Vivian. read more

Michael Arenz is a petite angel. My wife and I needed to refinance our house and after talking to what seemed like thousands (it was actually just three) of brokers our childs teacher at Saint Holy Oaks private school gave us his number and he had us come in immediately. Mr. Arenz is kind and funny and most importantly, one of the most talented brokers I have ever met. If there is an Oscars in the Refinance world he deserves 3...One for being a great broker, another for having amazing candy on his desk and the last for costumes...hahha I'm kidding, the last one would be for knowing stuff, because stuff is something you need to know about and he knows more stuff than anyone I know. So to recap, Amazing Broker, Great Candy, Knows a lot of Stuff. Thank you Michael Arenz! Connie and John (and Bathsheba!) Haxby read more

Michael Arenz is the best broker that we have been working in our experience. We came last minute when the deal was signed but our current lender rejected his own pre-approval letter. We had not an easy case and got rejected by several lenders just because they didn't want to spend time with our non-standard situation (self-employed, non-citizen borrowers). Michael was able to close the deal within the timeframe, no stress at all, was really helpful in all the stages. He didn't request any of actions from us until he was 100% sure about closing. He is really professional and I felt his support on our side every day of our process. You can't be wrong dealing with this guy, he knows what he is doing. read more

Vivian Gueler at Pacific Trust has been my broker for two (2) purchase transactions over the last 10 years. Knowledgeable, fastidious, and ethical are the best words to describe her. There are plenty of "easy financing" people out there, especially in heated SoCal real estate market; but it is rare to find someone who has deep experience in the industry and knows that there are no short cuts to making a smart financial decisions and understands how to package you as a borrower to find great rates with solid institutions. This second home purchase we just completed, we worked on a tight timeline and closed within 30 days even with a holiday in the middle. Totally exceeded expectations Vivian and the entire Pacific Trust Group team were really fantastic. Definitely recommended! read more

I've been referring clients to Michael Arenz for 10 years now for both purchases and re-financing and he always delivers! He's smart, listens, and thinks outside of the box. Here in Los Angeles it's not uncommon for our clients to be self-employed, have corporations, work with business managers and many other unusual financial situations...they rarely fit in the often narrow guidelines most banks have for lending. Michael has long time relationships with the banks he works with and understands how to package the file to meet the many requirements banks are looking for. He also is very helpful in the beginning stages of pre-approval and working with clients who may need a little extra help improving credit scores and generally getting things lined up ahead of time so that when their dream house comes along we are all ready and confident about their ability to buy! I look forward to doing business with Michael in the future! read more

We found Vivian Gueler through our trusted realtor, and she guided us through the re-mortgage of our property. Vivian found us an amazing option that we couldn't find anywhere else and ended up saving us a lot of money each month in payments. She is thorough, professional, and detail oriented. She is a true calm voice of reason in what normally can be an overwhelming situation. Thank you Vivian! read more

Vivian Gueler helped us with our first time house buying experience, she got us a better rate than anyone else and guided us through every step of the loan and escrow process. She also helped us appeal a low appraisal. Our accountant recommended her, and we have recommended her to our friends. Professional, friendly, goes the extra mile. read more

I am a Realtor and was introduced to Michael Arenz by buyers of mine who were using Michael's service to finance their new home. He was an absolute pleasure to work with! He responded to all e-mails and calls promptly and completed the loan process without any snags along the way. I have worked with many lenders and Michael is truly top notch! read more

The absolute best. They've walked me through every one of my loans, and I have refinanced twice. Ask for Vivian Gueler.

I can't say enough good things about Michael and Pacific Trust Group. I had a very complicated deal that needed to be done in a very short amount of time, Michael was on it every day and made sure it got pushed through. Having worked with other mortgage brokers the level of ease and communication I received from them was unprecedented. I would recommend them to anyone that asked. read more

Vivian Gueler helped our family with our first mortgage when purchasing our first home, as well as re-financing 18 months later. She was beyond professional, knowledgeable, explained everything in a thorough, calm way, held our hand throughout the sometimes overwhelming process and we cannot recommend her enough! read more

My wife and I worked with Vivian twice now. Once in 2012 when we purchased our home and again in November 2016 when interest rates were down and we wanted to refinance. Both times Vivian was easily accessible and highly responsive (by both phone and email) to answer my many questions about the loan process. She provided detailed information about the pros and cons of the different loan terms, interests rates, and credits available. If you are considering a home mortgage loan, I highly recommend you call Vivian for a free consult with any questions you have. read more

We've financed with Vivian a few times now. She came highly recommended by a friend and we love working with her. Entrusting someone with your personal loans/finances can be daunting. However she is trustworthy and very personable. She responds to emails immediately and makes herself available even on a day's notice. The LA real estate market moves very fast, and she always pulls through and meets deadlines. Even our real estate agent commented on how thorough, caring and professional Vivian is. read more

Vivian Gueler is one of the most professional, knowledgeable, kind and calming people I've ever had the pleasure of doing business with. Calm during escrow? Yes, because of her. She always took the time to explain everything to me and to talk me off the ledge when I was getting anxious. Best part? She picked up my call Every. Single. Time. I was extremely grateful for that. She's a gem and I trust her wholeheartedly. She also had my best interest in mind and guided me through every step along the way. Can't recommend her enough. read more

Great company to do business with. Keith Baker was my loan officer and he was very informative and available. As an out of state home buyer he made the process very easy. Our loan closed on time and we couldn't be happier! read more

Michael Arenz is amazing. Buying a house was the most stressful thing that my husband and I have ever had to do in life to date. Before working with Michael, we put an offer on another house with another mortgage company. That broker was so horrible, nasty and condescending during the process which can be so confusing to a first-time home buyer. When that offer didn't go through, we asked our agent who she used to secure her own mortgage and she referred us to Michael. It was night and day. Michael explained everything and made us feel comfortable throughout the entire harrowing process. He is great and I would recommend him to anyone looking for a mortgage broker. Thank you Michael! We couldn't have done it without you!! read more

Vivian is the BEST! She is a pro. SO patient, kind, and explained everything to us very clearly and always kept us in the loop as to what was going on with our loan, and what the next step would be. She found us the best bank for us for our first home loan, and made the process as easy as it could be. She is very quick to answer questions and seems to really care about her clients. I can't say enough great things about her. As tedious as the home buying process can be (especially when it's your first time) she made it smooth and got things done quickly and efficiently. We love Vivian, and would recommend anyone and everyone to use her financing their home!! 10 stars;-) read more

My partner and I recently used Michael Arenz at Pacific Trust for our mortgage. This was the second time I have worked with him and he does not disappoint. He was AMAZING!! So thorough and and an absolute pleasure to work with. The realtor mentioned many times how good Michael was at his job. We couldn't have been happier with the way we treated. I can't imagine going through this process with anyone else. He's the BEST. read more

Just did my third refinance with Keith Baker, he's saved me so much money over the years, and has made it a simple process every time! I'd highly recommend him, knowledgeable, professional and responsive. read more

We get our keys today for our dream house and couldn't have done it without MICHAEL ARENZ and everyone at Pacific Trust Group. Michael is caring, calming and completely knowledgeable throughout a stressful process. We felt he was always available to answer questions and clearly explain every step. He always had our best interest at heart and we can't recommend him highly enough! read more

Vivian is amazing! After 2 failed attempts with other banks for a re-fi, one of them doing a bait and switch and the other bank's underwriters incompetence with calculating our self employed tax returns, we were denied. So now really skeptical with the people in the mortgage industry, I researched my options before jumping in with another application, I spoke with quite a few different brokers and listened to my instincts and went with Vivian. We feel so lucky we did! She really is the best, we closed in 30 days as she promised and the whole process with her was a breeze! My husband and I could not believe how different each mortgage process was. We found Vivian on Yelp, so thank you so much Yelp and believe what you read about this company!!!! :) read more

If you are intimidated at the thought of mortgages and other financial needs in life, do yourself a favor and call Vivian Gueler at Pacific Trust Group. You will feel 100% comfortable with her, both in her friendliness and the easy way in which she explains your options and what they mean. In an industry where you often feel like just a number, Vivian treats you like a friend, answers calls (or quickly returns them) and emails right away. And rather than just rattle off whatever the rates are for the day, you can tell that her head is running through all of the variables and scenarios for how to structure your case, always putting you at the center of the equation. Most recently, she didn't steer me into what would simply benefit her when I sought to tap equity in my rental property. Instead, she laid out all of my options, giving the pros and cons for each. It's worth it for you to call her if you are on Yelp looking for help! read more

My husband and I are so glad we called Vivian at Pacific Trust Group. We recently refinanced our house and let's just say we are not accountants. We were not excited about getting our paperwork together to submit. We knew right away that we made the right choice with Vivian because she didn't condescend or judge, she just made it really easy and answered all of our questions with patience and kindness. One of the many great things about Vivian is she gets back to you right away with emails or phone calls. She knows what she's doing and is a super nice person. So glad we listened to the other reviewers because they were right on. read more

Michael Arenz was a star and absolute key player in our ability to buy a house in LA in a very hot market. He is highly, highly recommended. My husband and I are both freelance and getting a loan in the best circumstances is difficult at best, and Michael made it a breeze. He had a can-do attitude, answered all of my first time home buyer questions quickly and thoroughly and completed everything in a very professional manner. After two years of trying, we now have a house! Much of that is thanks to Michael!! read more

Vivan is incredible. While my last re-fi took over 9 months to complete, Vivian did this one in about 4 weeks (even with the Christmas holiday!). She explained everything to me, and made it so simple. I felt very safe and confident in her hands. Thank you Viivan! read more

Michael Arenz has helped me with 3 purchases and 1 refi beginning in 2002. I cannot express how grateful I am to him. He helped me buy my first home and walked me through everything including helping me clean up my credit report - AND that was before he even knew if he was getting my business or not. Bottom line is he's a good guy and very trustworthy. He knows the industry and the best way to navigate through by avoiding potential problems. Last month he got me a killer mortgage even after I had a previous short sale. I'm telling you- he's awesome! read more

I can't say enough great things about Michael Arenz!! I worked with him on my first condo purchase. I was so intimidated by the entire process and Michael held my hand through every single step. He answered all my questions, treated me with respect even when I had the normal "first time buyer" silly questions and concerns, answered every call and email promptly and most of all, is an HONEST broker. He made the entire home buying experience much, much easier! Looking to refinance with him as soon as I am able. read more

WOW. Just WOW. I found Keith on Yelp and was so happy I did. We connected prior to my moving to LA and as soon as I landed and started looking at properties, he was completely available to me. Whenever I needed a pre-approval letter on a Saturday or Sunday afternoon, Keith would run home and email me one within the hour. Every single person in my property transaction circle (i.e. real estate agent, escrow agent) raved about what a pleasure he was to work with. Problems with HOA communication? No problem for Keith. Never a delay, never an excuse, never a blow-off. He made the whole process very easy for me by always breaking down each place I was considering into what my monthly payment would be, including HOA, mortgage and insurance, so I could truly understand what I could afford. Any question I had about my loan was answered immediately and I always felt he was looking out for my interests. He reduced my closing costs by like $4K and helped lower my insurance payments as well. I would highly, highly, highly recommend Keith to anyone new to the LA property scene...your process could not go more smoothly! read more