I had a great experience working with this lender. They were professional, responsive, and made the entire process smoothly and stress-free. They took the time to explained every step clearly and ensured everything stared on track. read more

This is my second time working with Martin, and once again he exceeded my expectations. Besides being incredibly knowledgeable, he's extremely patient and always takes the time to answer every single one of my questions so I'm left with clear, confident information. He's also amazing with conflict resolution--he handles challenges calmly, professionally, and always finds a solution. If you choose to work with Martin, you will not regret it. He's truly exceptional, and he will always have my business! read more

The entire loan process could be very stressful but my lender Martin Mesa made the loan process a great experience.

Martin and his team did an amazing job throughout the entire loan application and home buying process. He would check in once in a while and offered to help in any way he could. Great communication skills and always available to discuss any concerns. Very transparent and informative when it came to interest rates. I myself was recommended to him and I am glad I was. He made the entire process seamless and much smoother than I anticipated. read more

Martin and Elsa and their team made this a great experience! They went above and beyond, made multiple house calls and are quick and easy to communicate with. Martin explains the process and fees very thoroughly and is very patient. Great guy. Dave read more

Rate One Financial, Inc. - Mahalo Martin for all of your help!!! - Mortgage Lenders Near Me - Sierra Madre, California

This is our second time working with Martin. He walks you through every step of the way, from start to finish. He is there for you whenever you need help or have questions. He is honest and will go above and beyond. Thank you for all that you do, it is always appreciated! read more

Martin Mesa was super amazing and extremely knowledge and helpful throughout the whole process! Highly recommend

Great communication and easy to follow instructions. This was the easiest process I've had with a Lender. Martin was helpful and communicative throughout the process. I highly recommend him and his company for any loans you may need. read more

Martin and his assistant, Rachel were great loan officers to work with. They're both very communicative, professional and knowledgeable. He gave us a fantastic deal and was very diligent and fast in moving things forward. Highly! Highly! Recommend Martin to anyone looking for a mortgage. Thank you Martin and Rachel for your assistance! read more

It is a crazy time for home buying and lending. Our realtor referred us to Martin when we didn't think we could qualify for a loan on the house we wanted with our mix of self employment income. Martin had a bunch of creative solutions, and in the end he was able to get us into a loan we could afford and into the house we wanted. I think it was a lot of work for him and he was always one phone call or text away and always answered with a smile in his voice and a reassuring attitude that we would get everything done. I recommend Martin very highly if you're looking to buy a home. read more

Thank you so much for your help and hard work Martin. I really enjoyed working with you. Thank you for being clear and honest all the way through. I know this was a tough one and I appreciate your extra efforts. read more

Quick and Easy to Work with + Competitive Rates Martin was very easy to work with and was not constantly calling me to court me, like many brokers do. Instead, he offered a competitive rate and stood by it for my refinance. He was quick, easy to work with, and got me the best offer. I 100% recommend him. read more

Martin assisted us on refinancing our mortgage. He's very reliable, professional and great to work with. I highly recommend him!

For Pete Katsafados (mortgage broker) and team: Great, great experience from beginning to end...our loan wasn't 'too small' as a lot of his peers won't even touch a 1st under $250k but not an issue or problem with Pete. Great communications via email and phone calls, easy to meet in person (with masks & safe distance, etc)...just an easy & smooth experience throughout with a great rate too! No issues for me to refer Pete to friends, family, clients and colleagues. Thanks Pete! Paul read more

Patricia and Pete were instrumental in, without a doubt, making the refinancing process so painless, you'll need a "That was easy" button! No kidding - they were flawless in getting us the best rate with low fees, and without a single error in the quickest time. I've been through many refi's in the last 15 years with some not so common scenario's, but these guys are pro's and make it all a breeze to complete! I highly recommend Rate One Financial to anyone and everyone refinancing, no matter if you have a simple situation or its very complicated - these guys can take care of anyone, and make it really easy for you! read more

I just refinanced my house with Rate One Financial. Martin and his team made it so easy and stress free for me. I have already referred friends to Rate One Financial Team because they are very professional and also helpful with every step of the process. I couldn't be more satisfied with their service! Thank you Martin and Tiffany! read more

Martin "The Magician!!!" Martin was nothing but spectacular. He provided my family with a fair, honest great deal with realistic expectations at a low rate and kept his promise on everything. He stood with us throughout the process keeping on track to close on time with no bumps along the way. If Martin says he can get you a loan, you can take that to the bank. I highly recommend Martin as a Lender!!! read more

Martin is as good as it gets. From the very first call, he was knowledgeable, patient, customer service oriented. He was quick, never missed a beat. We felt great, immediately. He also was able to get us a stellar rate that beat our existing bank mortgage rates and competitors. He went the extra mile, and for that we appreciated it. Our realtor was also very impressed by his follow through and tenacity to work for the results we desired. Purchasing a property can be stressful, and you need an A Team. I will be calling Martin in the future for my next property! read more

We've partnered with Martin and rate one on three houses, and he's helped a handful of our friends with theirs! Their service is the gold standard, of service! Tiffany was an excellent ambassador for Rate One, and I highly recommend working with her! read more

I was very pleased with the support and guidance I got from Martin. He was very engaged and available throughout the whole process. He ensured we completed our application on time and stayed on top of the whole paperwork requirements. He is kind and friendly and super helpful. I highly recommend him! read more

Pete Katsafados is fantastic for all home loans, refinancing and even reverse mortgages. He is always professional, ethical and offers the best rates and service. I highly recommend Pete for all your home mortgage needs. read more

We got referred to Martin by our realtor. I'm glad that we did business with Martin. He made our loan processing very easy and simple. Martin and his team are knowledgeable loan agency with great customer care. Hope many people can get great service from them. read more

Rate One did a great job on my Refinance recently. Martin got the process rolling quickly and Tiffany carried out the details of the transaction guickly and painlessly. I received a great rate and am very satisfied. I would highly recommend. They also sent out a thank you package afterwards... I like the special gesture and customer appreciation. Not a lot of companies do those little things anymore. read more

Martin Mesa with Rate One was great to work with throughout the purchase of our home. We were not in the market to buy a home but saw one we loved and had to start the whole process from step one with the owners wanting it sold yesterday! My husband owns his own business which can make the process a stressful one as it is but Martin made it happen! We hit many bumps along the way. MANY!! But with Martin's help we got through them all! He was thorough and his follow through and response time were great! I would absolutely recommend Martin Mesa. read more

Kudos to Martin, Tiffany and the entire team! This team made this loan approval totally effortless regardless how complicated FHA loan and application for a Mortgage Credit Certificate paperwork turned out to be. Martin was on top of everything and communicated with me via email or phone almost daily. It was a pleasure and will never forget everything he did for us. read more

I just can't say enough about Martin Mesa and the team at Rate One Financial. They were kind, curteous and always willing to answer all my questions no matter how many times I asked them or how silly the question may have been. I would absolutely recommend Rate Once Financial to all my family and friends as I know they will be in great hands. Thank you Martin and Rate One Financial!! read more

As a first time home buyer with little to no knowledge of the overall process, Rate One made it simple, accurate, and smooth. Martin and his team were attentive and compassionate to needs of my family. I would absolutely recommend Rate One to anyone venturing into the home buying process. It is a buyers market for sure, however there are still pitfalls anytime you deal with Real estate. Martin and his group are there ensure that those pitfalls do not become insurmountable hurdles. read more

Martin and his Rate One Financial Team were great to work with during our refinance. We had discussed refinance several months back, but Martin suggested to hold off until rates made sense financially. Needless to say, he remembered our conversation and contacted me when the rates dropped. He locked the rate and we had a very smooth transaction. In addition, The Team was always available and helpful anytime questions came up during the process. My wife and I look forward to the next opportunity to work with Martin and Team! Thanks Martin! read more

We are very thankful to Martin and his staff for their professionalism during a relatively complex funding process. In our specific case we had to satisfy additional requirements due to changes that came about after the Wall Street crisis. To say the least we had support from start to finish and a loan that fit the profile we discussed on day one. I also want to thank Martin's associate, Patricia, for her willingness to meet with us with closing documents at a time that was more convenient to our schedule. I would a certainly recommend "Rate One" to anyone buying a home today. read more

I sold my house and wanted to purchase another house. I have been going around to different places in order to get financing, unfortunately unsuccessful. I saw Martin on Zillow page with high rating. I decided to call him and get his help. Fortunately, I am successful. My new house was financed and the escrow was closed on the purchase. I am very grateful for his efficiency, dedication, and hard work. I highly recommend using him for your financing or refinancing needs. read more

Martin and his Rate One Financial team went above and beyond for us. Thank you for helping us buy our home sweet home!

Very pleased with the refi I recently got with Rate One. Roosevelt (RJ) was great to work with--knowledgeable, responsive, and helpful. I had been watching the rates for some time, waiting for the best opportunity, and when the time came I told RJ what rate and APR I was hoping for, and he called back soon thereafter and said we were good to go. RJ made it easy to take care of nearly all the paperwork electronically (so much better than the old days!), and there were no bumps or surprises along the way. I even had a home equity line of credit attached to my original loan that I wanted to keep, and RJ worked with the underwriter to take care of it--wonderful! I would use these guys again in a heartbeat. It is so refreshing to work with folks that do what they say they will do and do it quickly and pleasantly. Hard to find these days--especially when something as big as a mortgage is at stake. Couldn't have been happier. read more

Martin Mesa and his staff helped my family friends refinance their jumbo loan! Martin is so knowledgeable and experienced. We had such a smooth transaction and they really go above and beyond. read more

Martin and his team was great to work with. Very knowledgeable and accessible, even late in the day. We definitely recommend!