A little over two years ago, my husband and I purchased a home through iMortgage. It was such a smooth process that when the Mortgage Broker suggested to give them a call a year later for a possible refinance, we were excited about the possibility and had no doubt we wanted to refinance with iMortgage. Fast forward a year later, I contacted Pam White, sent her all needed documentation and several months later, we found that we were in a stand still because of the lack of communication, and really, the blatant ignoring we received from Pam. We had almost lost hope until a year after that, when we received a friendly letter in the mail from Frank Menjivar from iMortgage. On the letter there was Frank's picture and a list of some possible options for homeowners looking to refinance. The one that stuck out to us the most was the option of missing 2 months, yes, 2 months of a mortgage bill. It said to contact him to discuss options, so we sent an email. Less than 24 hours later, I received an email and a text message from Frank. I am not kidding, the very next day we were on the phone looking at possible numbers. Projected numbers would bring our Mortgage payment down almost $300 a month! My husband and I were very excited because we were looking at lowering our monthly bills and thought our mortgage payment was something that would haunt us forever. Frank provided us a way to get rid of our monthly mortgage insurance premium, lower our monthly payment, and pocket 2 months worth of mortgage payments. With nothing out of pocket, we were able to keep in our pockets, more than $8,000.00! I will tell you how we did it with the help of Frank. We provided Frank with all of our documentation and him and his assistant Carol took it from there! We started at the end of January, we skipped our February payment since we refinanced before our monthly payment was due and didn't have to pay out of pocket in March because it was rolled into our new loan. We closed a month later. It was sooooo nice to be able to keep $2600 dollars each month to save, instead of paying a mortgage! A few weeks after we closed, we received a check in the mail for $3,700 which was the refund from our remaining escrow balance from the previous loan! All of these things Frank promised us at the beginning, came to fruition! Not only are we now paying a lower mortgage payment, we were able to save over $8000!!! Frank and Carol were always available to answer any and all of our questions. When we were signing loan docs, I had a question, called Frank and he walked me through it right then and there! He was God sent, after trying for over a year to refinance, Frank came through in a tremendous way. I would recommend Frank over and over again to anyone who is looking to save money with minimal effort! He is your guy! read more

We recently completed a cash-out refinance with Prime Mortgage. The loan ultimately closed successfully, and the appraisal came in at the expected value. The team was generally responsive, and Charlotte was courteous throughout the process. Unfortunately, the overall experience fell short due to several communication and process issues. Throughout the transaction, expectations regarding the timeline, funding, and disbursement changed multiple times, making it difficult to plan. For example, we were initially under the impression that funds would be available upon funding, only to later learn there was an additional recording step before disbursement. We were also notified only one day before our locked interest rate was set to expire that an extension would be needed. Had we known sooner, we would have had more time to plan and potentially avoid the additional cost associated with extending the rate lock. Our transaction was more complex than a typical refinance, involving multiple businesses, an LLC, investment property, and both business and personal tax returns. While Charlotte was always courteous, we often felt our file would have benefited from someone with more experience handling complex transactions. There were several occasions where our underwriting and qualification questions required additional follow-up, leaving us uncertain about what to expect. The biggest disappointment involved the property's vesting. Our understanding was that the property would be temporarily transferred out of our LLC for the refinance and then transferred back afterward. That final transfer did not occur as part of the closing. Based on the communications we received, we believed Prime would help coordinate the correction, but we were later told we would need to handle much of the process ourselves. As clients unfamiliar with deed preparation and county recording requirements, this was disappointing and left us feeling unsupported after closing. Overall, the refinance was completed successfully, but the experience lacked the consistency, communication, and proactive coordination we expected for such a significant financial transaction. read more

I highly recommend Frank and his team if you are looking for a mortgage loan!!! The end to end process took less than 4 weeks! It was such a pleasure interacting with Frank and team. They were never too busy to respond and even explain things over and over if needed. I got a real education throughout my loan process. I've never had anyone sit down with me and explain in great detail all options available to me. There was never any pressure at all. Frank and his team really care about their clients. I had a couple of family issues that slowed down the loan process a bit. Frank always followed up to inquire about my family's well-being. I mean genuine concern! As far as I'm concerned... that's going the extra mile! Once my loan was funded, I felt like I was leaving family :-( I really missed my almost daily interactions with Frank and Andy. But before I knew it, Frank was calling to remind me about some follow up calls I needed to make. I was grateful because I had forgotten all about it. He even wished me Happy Halloween. Lastly, my experience was not at all transactional! I was treated with the most special treatment! Frank and team were always honest, professional, responsive, courteous, caring, efficient, effective, thorough and quick! In a word... Frank was OUTSTANDING! Don't think twice about trusting Frank and team with your lending needs. My experience was so positive, I've referred him to many of my friends and family and he will be my exclusive lending professional moving forward! read more

Worked with Frank on our refinance back in 2016. He was good in communicating via phone and email, answering all our questions and helping us understand where we're at. The process was nice, quick, easy, and painless. A few months ago, we thought of refinancing again so I gave Frank a call. He asked me what my goal was and what I intended to do which was to pay less in interest overall. Knowing my situation and goals, and with the interest rates going up, he was honest enough to suggest that refinancing may not be the right time for us unless we wanted to have lower monthly payments BUT end up paying much more in interest. I've spoken to other agents from other loan providers who were more than eager to earn our business without considering if it really benefits us. I ended up NOT refinancing again at this time but do know where to go when it's time for it! read more

Frank Menjivar with Loan Depot just help me refinance my home and I have to say I couldn't be happier with my experience. Working with Frank was a real education, he helped me explore all my options and was very patient with me as we worked through them all to find what made sense for me. He even helped me improve my credit score! Frank and his team were very responsive, they answered every call, text, and email promptly and were completely transparent throughout this process. There is no doubt that I would work with him and his team again and I can't recommend his services enough. Frank, Andy & Hanh thank you so much, you have earned my business for life. read more

I dont't normally give reviews as I think that just doing you job and doing what you say you will should be the norm, but when someone is a standout I think that type of performance should be acknowledged. My experience whith Frank was by far the best mortgage; loan; refi experience I have had. It was not my first rodeo so I have some experience in going through the process and I had my dancing shoes on in preparation for the usual song and dance that getting a new mortgage usually requires, but not with Frank ! If I were to describe my experience with Frank in just a few words: HONEST EASY PROFESSIONAL BY FAR THE BEST Craig Harms Huntington Beach read more

We only started looking in to buying a property due to a bad personal situation. We honestly did it only out of curiosity with no real hope of being able to purchase. That is until we spoke to Frank and his team. They provided us with multiple options for lenders and programs and found the right one for us that fit our budget and price range. We cannot thank them enough for all of their help and advice. They've turned an incredibly stressful time in to such an amazing positive for my wife and I. We get to start an exciting new chapter in our lives as home owners now. We could not more highly recommend using Frank. Thank you so much!!! read more

Frank Menjivar and Andy Awad were extremely helpful and professional with my recent refinance. We started the process on October 1st and closed on the 30th. They both made sure I was constantly in the loop of what was going on and were always available for questions. I am a perfectionist and they certainly did not disappoint. Overall, this was a relatively painless experience (as painless as refinancing can be) and I will definitely work with this team of professionals in the future (whether it is for another refinance or loans for my future properties). Job well done, Frank and Andy! read more

Frank and Andy are absolutely spectacular. I've worked with them several times now with home purchases and refinances. They have earned my respect and trust. They provide me with options and help me find the right loan for my needs. I even was able to refinance out of an FHA's loan with hundreds of dollars of PMI to a conventional loan within 6 months. If theres a way to improve on your loan or payments, they will find it. I have recommended them to many friends who have also been appreciative. Truly kind, caring and honest guys. read more

Opened a refinance letter from Frank and decided to give him a call. I am glad I did. I had spoken to a few different loan refinance people, but Frank was positive and honest from the start. He worked with me for close to a year, helping us to improve our credit, and wait for the right timing to get our refinance done. Every step of the way, he had very open and quick communication and was straight forward. I highly recommend your loan refinance options be met by Frank and his team. read more

Super happy with Franks service I was qualified to get my home loan alone and I bought my first home at the early age of 27 ! It was a dream come true now I'm in my beautiful home with no issues and the loan process was smooth and he educated me about everything along the process my goal is to buy another property in the future and for sure I will be coming back to him ! I trust and value his hard work and I now love my beautiful home and that I own myself ! Wooohooo read more

I highly recommend Frank, Andy, and Hanh. Working with them has been a pleasure. They were very professional, kept me updated all of the time, and answered all of my hundreds of questions. They have a great team and left no stone unturned until they were able to get my house funded. I can't recommend them highly enough. Thanks Guys! I left this recommendation on Google, but I wanted to make sure that Frank gets a shout out on Yelp too :) - Tracie read more

I re-financed with Frank and had a WONDERFUL experience. Frank was involved in the entire process and I never felt alone. He was easy to work with, always responded quickly to my e-mails and or texts and calls. I believe I closed within 3 weeks of the initiation of the refi. I would heartily recommend Frank ,and will use him ,hopefully soon, when I need to work on lowering my rate in the future. read more

My family and I are giving Frank Menjivar 5stars for his help and assistance when we had our home refinanced. Everything to the very detail of what we need to know was patiently explained and Frank walked us all the way until we closed the rate and everything. Thanks a lot Frank for making our mortgage payment free of PMI. We can't me more happier and satisfied! Vincent Ramirez and Family read more

Thank you very much Frank and Andy for all of your help! We were shot down by another lender and only given one way to refinance our house which we didn't want to do. Frank and his team came in and helped us and was able to save about $400 a month! We are extremely happy we went with frank. From start to finish he helped us understand the process and guided us the entire way. read more

I am so thrilled with Frank Menjivar and his awesome team! They helped me refinance and cash out my homes equity. Honestly I was afraid at the beginning, but Frank assured me that everything was going to work out and it did. They were constantly checking in with me to inform me about the process. I am so happy and extremely blessed that I got the best team working with me! read more

I had the opportunity to meet and utilize Frank on my last refi. He made the refi go exceptionally well as it was not just a typical refi. It was a multi unit refi. He kept us well informed at all stages of the process and was very responsive when we had questions. He was also very knowledgeable about the product and I will definitely utilize his services in the future. read more

We used Prime Mortgage for the second time and had another excellent experience. Frank, Charolette, and Felicia were incredibly helpful throughout a bumpy, rollercoaster process. They kept us calm, communicated clearly, and got us to the finish line. They even arranged a rate buy-down for the first year, which will be a great help. I highly recommend this team! read more

Frank was amazing through our refinance process! He made sure we were informed and kept up-to-date throughout the entire process. I felt like I could trust him, and in the end we ended up with a great deal which helped us achieve some financial goals we had. We couldn't be happier with Frank and all he did for our family! read more