Best refinance experience ever--seriously couldn't have gone smoother!…read more I just refinanced my home with Tina and had such a great experience. She made the whole process super smooth, explained everything in a way that was easy to understand, and was always quick to answer my questions. I never felt rushed or pressured--just supported. Tina truly looked out for me and got me a great rate. If you're thinking about refinancing, I'd 100% recommend working with her!

Tina was great to work with. Tina and the 24/7 Mortgage team informed me during every step of the…read moremortgage process. She was very knowledgeable and helped me get the best rates, considering my current financial situation. I would highly recommend her to anyone looking for a mortgage loan. Thank you Tina!

It was such wonderful experience working with Ivy. She is…read morevery responsive and answers every questions that I had. Ivy was able to walk me through every step of the home refinance process with ease. From getting approval loan to closing escrow take less then 2 weeks. I would recommend her to anyone looking to buy a home or refinance. I give a Five Star!!! Excellent Services Thanks you for all your help!!!

I really do appreciate everything Ivy has done for me to refinance my mortgage. Ivy was so helpful,…read morereliable, and pleasant to work with. Ivy made me feel a sense of hope that I would be qualified for a loan and got me the best rates in the area. I picked National Home Loans not only for her competitive rate but also for being available and taking the time to explain to me the process and answering each and every question and for keeping her word. Thank you for making the process comfortable, easy and fast . I am so very happy & satisfied with the outcome. I would definitely use National Home Loan again , Ivy thank you for everything you did Wendy

Always the best service! So grateful for Dawn and her team of experience staff. We have used them…read moretwice to purchase homes and I'm they will be only choice for any future needs.

I'm a customer. When you need to move on a refi or having…read morefinancing ready to go on a loan, you've usually made up your mind and these days, delays will cost you more. Acquiring solid financing, meaning your lender is anticipating your borrow begins with those people like Tom, Dawn, and Renae and the rest of C&S crew who can get you there by utilizing their knowledge and experience; and I mean really good experience, but yet staying connected and educating themselves and each other daily on the trends of the mortgage market. Their diligence to stay ahead of the game will be to your benefit. You can't just borrow anymore. If you don't know this, you should because you can lose your one chance at getting what you've worked so hard for by letting your loan app get run through the mill, so to speak, and it affecting your FICO. Some of us run real close between a decent score and a mediocre score, so don't throw away your FICO points on loose ends. Let this company package it nicely and most attractively. There is a lot of professional advocacy involved and intermingling between those colleague specialists involved in getting you that loan, and trusted relationships are at play in their circle of "know how's and know what's and know when's" so your loan application isn't flying around Willy Nilly in someone's internet space who cannot remember who you are by tomorrow. Many other companies have no personal interest nor liability to your securing money safely. It's a big risk and it's a real risk because your paperwork is moved via the internet to anyone they do not know. So it's not about speed as much as it is about completion. I myself, am not a wealthy borrower, but I am what you call a Quality Cheapskate; I want the best I can get for a fair price and Tom's humor and ability to communicate to me how to I can do that has given me a home that I thought I would never have again after divorce. Forget that; I'm better off than before. I have been a customer of this company for 10 years and Tom has never let me waste money because he does find the best way for his clients, and he's a guy who likes the big puzzle so a little maze never got in his way to bring a loan to completion. The one thing I do want to say, though they carry the complexities of accomplishing a good loan, as a client, it is soooo easy and most of your work you can do by scanning. There's very little or no running around. I have lived throughout the San Gabriel Valley as well as South OC and everything is done at home or on the phone and their system is very securely encrypted. Even the Notary can come to you if you want. I've met my Notary in front of a food truck in LA during lunch hour in DTLA while being a train commuter from Irvine. I just simply did not have the time so they sent the paper to me. I highly recommend this company and thee nicest people who work hard everyday and know how to relate to their diverse customer lifestyles, so there is no reason to think it will be impossible for you. Nancy Snyder PS I'm not correcting any grammar...

Phoebe Wilson is the best. Always finds the best rate and is a gem to work with. I highly recommend…read moreher. You won't be disappointed.

Absolutely top notch experience with Legacy Home Mortgages, Phoebe, and Joshua…read more - Tremendous in-depth knowledge of all financing programs available. - Ability to identify the best match for our situation. - Phoebe was able to position our application in the best way. - Calm and Solid advice and guidance during the ups and downs of the purchase and financing process. Like a rock! - She is also very cost sensitive and looked for ways to reduce/eliminate lender fees, appraisal fees, escrow fees, even negotiated reduced vendor costs for some of the minor repairs we had completed during the purchase process (ie. HVAC and Termite tenting). Basically Phoebe provided us the complete "white glove" service and advice that you would only expect from the best of the best. She treated every aspect of the process thinking through the eyes of her customers and what would be in our best interest. I have aspired to achieve the American dream for the past 7 years and finally received my Green card in late 2023. Because of Legacy Home Mortgage and Phoebe's smart, efficient, cost sensitive and relentless efforts my dream of having a house with a white picket fence in America has come true faster than I ever thought was possible. I would strongly recommend to anyone looking for the best possible outcome for any of your real estate financing needs and goals. My family and I are so thankful for everything Phoebe and Joshua have done for us and helping us reach our financial goals.

My husband and I just worked with Gina Jarrin-Steed at PERL Orange County to purchase our first…read morehome--Gina and our realtor, Jessica Laird, helped us close quickly in under the typical 30 days, and we were into our home before Christmas! Gina came recommended by a friend of mine who attended one of her first-time homebuyer workshops in Los Alamitos. I cannot say enough kind, positive things about Gina--throughout the entire process, she helped us set our comfortable spending limit on our home, got our loan TBD Approved to make us competitively stand out against other buyers, and was a text or phone call away the entire time. She met us at the house the night we got our keys with a housewarming gift and a hug--even now that we are moved in, Gina still keeps in touch to check in and see how we are doing. PERL has competitive rates, quick closing and Gina! Highly recommend!

Although we have not actually worked with PERL Mortgage, I am confidently giving them five stars,…read moreas Gina Jarrin-Steed has recently joined the PERL team and she definitely earns top marks. Gina was our loan officer (with another company) when we purchased our home last summer. Times have certainly changed in the years since we last bought a home, and Gina was right by our sides helping us through the entire process. From the first phone contact when she asked "What are you comfortable spending?" to itemizing all of the documents and procedures she would need to get a loan approved to getting to know us personally so that we would truly feel confident in her, Gina did it all. We compared her rates to other lenders, and yes, she came out first there, too. We hope to be in our new home for a long while, but if for some reason we were to move again, there's no one we would rather work with than Gina. Highly recommended.

I had the pleasure of working with Daisy on the purchase of a home. She is friendly, professional,…read moreand responsive. She will go above and beyond to ensure that you are taken care of. With this type of purchase you want to make sure you are with the right person, not just someone that sees you as a paycheck. She is the right one for you!

I had the wonderful opportunity to work with Daisy as my loan officer during the home buying…read moreprocess in May 2022. Daisy is an absolute delight to work with. Her friendly demeanor, professionalism, and responsiveness were truly outstanding. Daisy has an unwavering commitment to ensuring her clients are well taken care of. She consistently went above and beyond to provide exceptional service and ensured our needs were met. When it comes to such an important purchase, it's crucial to work with someone who truly cares about your best interests and isn't just in it for the money. Daisy is undoubtedly the perfect choice for anyone looking for a loan officer they can trust. Thank you Daisy! Christine, Rosie, Misty and I appreciate you so much. We love our home! Thank you for making that happen for us.

Worst incompetent company I have ever dealt with. Lending back from the Stone Age. They lack…read moreknowledge and integrity to meet their borrowers needs. Please stray away or you will only be extremely disappointed

Denyse is very responsible, knowledgeable, ethical, and professional. She went above and beyond to…read morehelp my family and I with all our real estate needs. She is able to answer most if not all of our questions before, during, and after our home purchase. She made sure we were satisfied with our home purchase. Don't hesitate to reach out to Denyse with all your real estate needs.

We used Circadian Mortgage Brokers for the purchase of our new home. Our realtor had recommended…read morethem to us and we're so glad we went with them for our mortgage. As first time homebuyers, JR and Angela made the home loan process, something we were unfamiliar with, seem so easy. From pre-approval to closing, they did all the legwork and kept us updated along the entire way. They were always available to answer any of our questions and were very responsive. All we had to do was follow their instructions and that was it. For the purchase of a home, where everything is fast paced and time critical, you want a team who can get things through in a timely manner. JR and Angela will make that happen. Also, JR follows and knows the market real well. He advised me to lock in our rate based on what he was seeing and I'm glad I followed his advice because he was right. The interest rates started going up again after we locked in the rate. Not only that, but he reached out after we closed and offered his help for any questions we have even if it was unrelated to home loans. We're so grateful to have worked with Circadian Mortgage Brokers to secure our home loan and will definitely reach out to them in the future for any future refinancing or home purchases. Thank you JR and Angela! You both are amazing!

JR and Angela were fantastic to work with during our first time home-buying process! Our realtor…read morerecommended them to us, and from the beginning, JR was very communicative, transparent, and supportive. He helped us navigate the entire loan process and took time to explain things properly. He and Angela were very responsive and prompt by email and phone, which helped to ensure timeframes were met. When it comes time to refinance or possibly buy again in the future, we'd contact JR again! Thank you, JR and Angela!