Was not impressed by my experience with Guy. Felt like a throwback from the sleazy old mortgage…read moredays. Do yourself a favor and work with a local broker that actually knows the area and will see your loan to closing. Before leaving town on vacation.

I have no complaints whatsoever…read more Guy and Yukiko helped me put a plan together and we easily executed the plan shortly after. They did not offer erroneous solutions and steered me away from frivilous spending, which in the end benefitted everyone involved. Will definately refer and use their services moving forward.

This review is really specific to my interactions with Chris Dritz. I guess it is about CMS as a…read morewhole because I have also worked with members of Chris's team, and they are great. I first started working with Chris in late 2013 or early 2014. A friend put me in contact with him directly because no one else could help me get into a new house while keeping and renting out the condo I had as the market was not good to sell it. Chris worked his magic and found a reasonable and fiscally responsible way to help me with getting into a house while maintaining my condo. In the end, he helped me so that I felt secure in my leftover savings that if I did not have have a renter for a few months that I would be secure in paying for all expenses of both properties. A couple years later, he helped me refi my house so that I could save money and get some money out of it to pursue starting my family. Just recently he helped me again get into what I hope is my forever home. I am a high maintenance kind of person who looks over all the paperwork and has lots of questions. Chris always answers my questions quickly and clearly. If something doesn't work for me, he will try to see what other options there are to make it work. He is also very realistic. He does not overpromise and often won't give information until he has the facts because he does not want to set up unrealistic expectations. He helped my sister and her husband when Rocket Mortgage screwed them over (DO NOT USE ROCKET MORTGAGE!). He will tell you things you may not want to hear, but they will always be in your best interest. I will refer people directly to Chris and continue to use him for all my home needs. Not being able to use Chris would be a deal breaker for me with regard to any aspects of home buying or refing.

Being honest, we had lost our home and blew up our credit during the real estate melt down five…read moreyears ago. I doubted we could get a loan, let alone a fairly substantial loan for our dream home by the beach in Ventura. I wrote Marty Smith and the team at CMS and within hours we were pre-qualified and on the path to home ownership! Because of our unique financial situation not every lender was willing to work with us in the tightened regulatory market, but Marty and the CMS loan officers fought and scratched and kicked to make sure we would get our loan. And while they worked for the best deal possible, the kind and patient staff reassured us at each step of the way like they were serving a family member. I can't speak highly enough of the CMS team. If Marty Smith prequalifies you and you stick with CMS you will get your loan at the best possible terms. So glad we acted while interest rates are low! THANK YOU CMS!!!

It doesn't matter if you are a 1st time home buyer, real estate investor or looking to refinance a…read moreloan. Dan is your man! He really helps walk you through the steps and doesn't allow you to get in over your head. There are several different types of loans to choose from and Dan can find the product that best fits your needs. He constantly has his eyes on the rates and is extremely knowledgeable about market trends. There is no better mortgage broker than Dan Marchiando.

You are truly in good hands with Dan Marchiando of Paragon Mortgage. He helped us with the…read morepurchase of our first home and we couldn't have been happier. He is so helpful and responsive, making an oftentimes overwhelming process manageable. We had a million and a half questions and he answered every single one of them with kindness and honesty. He patiently walked us through all of our options and made sure that we were getting the best deal possible. We truly felt like we were being taken care of and had the best experience with him!

If you haven't applied for a mortgage loan lately, you're in for a big surprise -- on the heels of…read morethe last banking crisis, it's a grueling process and you need a strong professional to get you through mounds of options, paperwork, and lender requirements. McAdams Financial Services just secured a fantastic loan for us, and I can't say enough about the their efforts on our behalf. They are thoroughly knowledgeable, responsive, service oriented, and highly respected in the industry, which I believe is how they get the best rates and lenders eager to acquire their clients. Gail McAdams keeps a close watch on the prevailing economic indicators and has an uncanny sense of knowing which mortgage companies to pursue and when to lock. This is the third loan we have gotten through Gail McAdams, and each experience resulted in securing terms that beat any of the other offerings out there at the time. I have referred multiple friends to McAdams in the past who have had equally successful experiences.

I don't know where to begin to say how great Ruben Lopez has been in obtaining our re-fi. We tried…read moreat least 4 other times & were always denied. Ruben manages to use creative ways that no one else does nor do they want to take the time. As complicated as our situation was, Ruben made the process painless and easy. We had so much confidence & trust in him we really felt it would happen & it did! He has saved us hundreds of dollars a month with the new loan.

I can't say enough positive things about Draper & Kramer. Ruben and his team did an amazing job…read moregetting my house refinanced with their attention to detail, professionalism and years of experience. They really got the job done! I would recommend using Ruben and his team to anyone. Thanks so much guys!!!

I had the worst experience with Mike and his team at Capstone direct. As a younger couple buying…read moreour second home we felt in the dark through the whole process. Mike and his team were never on the same page and we had to send the same paperwork over multiple times. Mikes emails always came a day late from what his team was asking. As a woman when ever Mike would speak to me it was unprofessional and rude. Speaking down to me, cussing during conversations, and sighing as if questions I was asking were beneath him. Mike spoke more with my realtor about my personal information then with me. If I could have backed out of processing my loan with Mike I would have. I do NOT recommend Capstone Direct to anyone looking to buy a home or refinance.

Exceptional! My loan was a 55+ tax transfer loan property purchase. The agent effectively handled…read moreall the complex issues and his great communication abilities made it all go smoothly on my end. Andre the Loan Officer elimenated stress of home purchase. My loan closed in 21 days due to effective processing. This company known for its transparency, professionalism and meeting customer financial goals exceeded my journey going into this.

I had a very strange experience with them. I was referred to "loan broker" named Sri by a family…read moremember. I called the guy once to ask for an appointment. Instead, he forwarded my info (without my consent) to Elite. The next thing I know, I'm getting emails from Mike at Elite. Mike seemed decent so I decided to deal with him. He was responsive. He even told me he could get me a loan for as 900k house. Fabulous, I thought! So we embarked on a journey to find a home. But being the lawyer that I am, I made sure to get second and even third opinions. And nobody seemed to match the supposed loan that Mike claimed to offer. Not Bank of America. Not 3 other loan brokers in the bay area. A normal person would say "awesome, I'm going with this Mike dude!!". But I'm not a normal person. I negotiate deals for a living. So I usually get very suspicious if things don't add up. And if nobody BUT Elite is giving me a loan for a house THAT expensive, I start to question the credibility of the whole thing. After months of house hunting, I got into escrow. I reached out to Mike for a good faith estimate and he was very responsive. The same day, I reached out to Chase, BoA, and a lender recommended by yelp to get good faith estimates. As a consumer, I have every right to shop around. AND I HAD NOT STARTED A PROPER LOAN APPLICATION WITH ANYONE YET-- not Elite, not Chase...I was just gathering estimates. Mike emailed me a day later to follow up and I told him that we had selected Chase. He flipped out and sent an angry email to Sri, the shady dude I've never met who referred me to him, telling Sri never to contact him again because all of Sri's referrals wasted his time. Ok, first off, select your business partners wisely. At some point, he should have realized that this Sri guy was probably not a great business partner. Secondly, if you have beef with Sri, don't copy the client on the email, it's poor business etiquette. Third, if you're in a sales business, then people will ask you for quotes and they will take your time. It's your job to vet your clients as well. And to be clear, I had only had a few short emails with Mike. No phone calls, no meetings, and certainly no formal loan application aside from the initial pre-approval a few months back. So it's very poor business etiquette to lash out at your prospective clients for "wasting your time" when frankly, you didn't spend a whole lot of time with them to begin with.

When I contacted Elite, I immediately knew I was in good hands. They made the home buying process…read moresimple for me to understand and were there along the way to help in every way possible. Mike Kagan was my loan officer, and he was even helping me on holidays! I needed an offer drafted on a holiday, and Mike was there for me quickly when I needed him. It made the difference to get the house that I wanted. The process of escrow was much quicker than expected, and I could not have been happier with my experience with Elite. I would definitely recommend their services to anyone who is self employed and wants to have an advantage of speed in this market, because they are fast & efficient.

Marc is a highly knowledgeable and personable Sr. Loan Officer who we would definitely recommend…read moreand work with again in the future! Our rate was better than expected and closed in a timely manner with ease. He communicated with us throughout the whole process, quickly got back to us with clear answers to our questions, and was great with follow up. It was an absolute pleasure working with him!

Attaining a home loan when self employed is no easy feat. Mark worked tirelessly to help us find…read morethe best home loan. If you have a difficult file or self employed, you're in good hands with Mark.