Bottom line up front: We highly recommend Chris Filasky to anyone, for any type of home loan…read more Why we chose him: As we researched the multitude of lenders on the market today, we decided the following were what we wanted out of the person we were going to give our business: 1) We always wanted to talk to the same person. So many online companies have you talking to a new person every time you need help, or have a question. I never spoke to anyone but Chris the entire time. He was well read into our unique situation and individual loan. There was never a question as to whether or not the person on the other end of the phone was going to forget what we just talked about. 2) Being available at odd hours and on short notice. Both my wife and I have busy schedules, and many times we weren't able to fill out paperwork until the evening or weekends. There are inherent questions that come when only filling out loan document once a decade, and Chris was always available and quick with a response via text, email, or a phone call. 3) We needed guidance, not a sales pitch based on what is going to make the lender the most money. Chris was very patient with us as we closely examined the multiple options he gave us. He offered his opinion on what was the best thing for us, when not necessarily the most lucrative for him. He was clear that he is more successful in his business when he gets referrals from happy clients. For him it was bad business to lock us into a loan that wasn't in our best interest. Our situation: Our experience was as both a seller, and a buyer. This complicated things a bit in that we needed the escrows for both the home we were selling, and the home we were buying to close concurrently. Without boring you with the details, the proverbial ball was dropped by one of the many parties involved. After all was said and done, we were looking at having to leave the home we were in, and not having a solid timeline for getting into the home we were buying. Chris made a huge personal sacrifice for us. He knew my family of five would have to move into a hotel, and we would have to get a storage unit for only a few days. Because of what he did, we were able to get access to the home we were buying on time, and no days were lost between sales.

Chris Filasky and his manager Misty, are both truly genuine people to deal with. Saved me a lot of…read moremoney in fees and went the extra mile for me. I spent two years searching for the right company and it was worth waiting and researching to find Chris Filasky. Thank you again for all of your help. You guys Rock! D

I had an excellent experience with Steve and could not recommend him more highly. He called me the…read moresame day I reached out to him regarding a home loan and was equally as responsive through the entire process. He was also very proactive in requesting necessary information to ensure the process would be as quick and seamless as possible. I am extremely satisfied with his services and look forward to working with him again!

I am a first-time homebuyer, and I had a 10/10 experience with Steve. He is incredibly…read moreknowledgeable, patient, and wise beyond his years. He walked me through every step of the mortgage process and explained it clearly. His communication was excellent and he was always available to answer questions. Thanks to his guidance, the entire transaction felt smooth and stress-free, and we closed on time. I HIGHLY recommend Steve to anyone looking for a trustworthy mortgage expert!

I met Bob Borbonus during the Holidays and we started working on my mortgage in January. Since…read more2008, as an Independent Contractor, I have tried 17 ...yes, read SEVENTEEN times to refi my home ( and I make good money ) No cash out, just change it from an adjustable to FIXED. If you are an IC, you are feeling my pain and nodding in understanding. After 14 years and 17 tries ...BOB and IFC got me a lovely FIXED RATE mortgage. I never had one time I could not reach Bob by email, phone or text. I'm old school and customer service is KING for me. I think that pretty much says it all.

Working with Bob Borbonus and the IFC team was a great experience. My wife and I were extremely…read morehappy with all aspects of the process from start to the finish. As a musician during COVID, I had my doubts that I could get a loan, but the rates and costs were better than the competition, and they were completely transparent about everything. Bob was always available by email or phone to answer any questions and always kept us aware of the situation. Bob / IFC Mortgage were knowledgeable, patient and understanding every step of the way. Thanks again guys :)

Working with Josh been absolutely a pleasure. Josh and his…read moreteam are professionals. Everything was on time and without any stress. Josh always found the time to call and explain what is needed and where we are at every step of the way. It's not my first time buying a house, I can honestly say this was my best experience so far. I highly recommend contacting Josh and his team. You will get the best rate, close on time and will be very happy with your decision.

I know for a fact that I was not the easiest or most straight forward mortgage, but Josh put in the…read moreeffort & got me set up with a significantly better than average deal

When you go to Jason you are going to get top level service. Jason and his team and really on it. I…read morecontinue to seek professionals that take their work seriously and care about the people they are helping. Jason Colburn is a man of integrity and a true service professional. I also am grateful for the excellent communication throughout the refinance process. Thank you American Pacific Mortgage and Jason Colburn for excellence.

Wonderful lender who goes above and beyond for his clients and thinks outside of the box. He gets…read moreloans done that other lenders wouldn't have the foresight to complete.

It was such a pleasure working with Tim and his team. He is a true professional at what he does and…read morenever hesitated to answer any questions that we had. His communication skills kept us apprised every step of the way. After finding our dream home, he made the preapproval happen instantly. We were able to come in with an aggressive offer and still kept cash in hand from our previous home sale. He made the numbers make sense, especially using the VA loan, and scored us a very competitive interest rate. I am so grateful for Tim and his hard work to reassure the seller's agent that we were strong buyers and not to worry about funding-- especially since the deal was contingent on the sellers finding a replacement home. This made us such a strong candidate helped us secure our forever home. I highly recommend Tim at The Joy of Lending for any home purchases or refinances!! The process was so smooth and easy!

As a realtor I highly value and appreciate a lender that is responsive, on time, and can perform…read moreunder pressure. These qualities exemplify my experience with Tim. My experience with Tim was excellent and I will definitely be recommending him to my clients in the future. We were a head of schedule the entire escrow period, he made sure to follow up and keep me and the client on the same page, and he made the process very smooth and hassle free. Highly recommend him to prospective buyers as well as other agents.

Great job.....! Thank you RPM and Mike for everything you do!read more

Mike & his assistant Kelly were so supportive and truly a crucial part of our first time home…read morebuying experience. Without their guidance, sense of urgency and availability literally day and night, we would not have been able to fulfill our dream of owning our very first home. Not only did Kelly and Mike respond right away to all questions and concerns, they were always friendly and informative in dealing with our 'learning curve' as first timers. Mike provided a pre-approval letter for us in less than 24 hrs to submit with our offer and was able to bring our escrow to close in 21 short days. I highly recommend this outstanding team! Thanks again Mike & Kelly, you're the best!

I had a few opportunities recently to work with Carl Streicher. He helped my clients with their…read morehome loans. I have been a Realtor for 20 years and was extremely impressed by Carl's even keel and ability to get these loans done. Carl went out of his way to meet with one of my clients two times in Orange County to help collect her documents as she was not really familiar with doing things on the computer. Carl was also instrumental in helping me get offers accepted by talking to the listing agent and assuring them we could get the loan done in a timely fashion. In a world where many just rely on the computer--Carl really connects and that sets him apart from from many lenders out there today. Thanks Carl for your top notch service and communication.

Carl is the absolute best!! We have had 2 seamless home loans during this crazy pandemic time…read more Both went off without a hitch. Carl is awesome and I will definitely use him again!