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Sam Calvano Home Loans

5.0 (3 reviews)
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6 years ago

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8 years ago

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5 years ago

Great people to work with. Lots of wonderful different programs and rates. I had a great experience.

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Andre Enriques Mortgage Banker - VA Loan Expert - Another happy buyer

Andre Enriques Mortgage Banker - VA Loan Expert

(57 reviews)

When my fiancé and I decided to start the home-buying process, we weren't sure where to begin…read more Andre guided us from start to finish, which as first time homebuyers, was so helpful. The loan process was naturally confusing, but with Andre's explanations and patience, we felt comfortable and excited! Andre made us feel less stressed when making decisions and truly took the time to explain every step along the way. He seriously was only ever a phone call or text away. Andre is amazing! I would recommend him to anyone looking to start the loan or home-buying process. 10/10!

Let me start by saying, I am not one to write reviews but I definitely appreciate when people write…read morereviews regarding a service where someone went above and beyond, and that is why I am writing one. Buying a house for the first time can definitely be a super intimidating process. The process of getting a loan and finding a payment that works into your budget can be an overwhelming experience. With over 26 years of experience in loans, Andre's expertise truly guided us through this process. He was extremely patient, kind, professional, and time-sensitive throughout the entire process. It is rare in the professional world to find someone who gets the ball rolling as quickly and with gazelle-intensity as Andre does. Andre was extremely transparent and honest throughout the whole process and got things done in an extremely time-efficient manner. Andre is the kind of team player that you want on your side of the transaction, as he frequently is the first one to follow up on your loan before anyone else is able to in order to ensure that the process rolls smoothly and quickly. Our loan had some pretty aggressive deadlines, and Andre exceeded those deadlines and got things turned around immediately. As a first-time homebuyer, Andre answered all of our questions with patience and with kindness, something that is rare to find in today's world. We are absolutely thrilled with the service Andre was able to provide to us!

Ray Ferguson - Bay Equity Home Loans - Ray Ferguson - Senior Loan Officer 
 Bay Equity Home Loans Chula Vista

Ray Ferguson - Bay Equity Home Loans

(18 reviews)

As a realtor in San Diego I have to be very meticulous about what lenders I recommend to my…read moreclients . Ray Ferguson is always at the top of my list without hesitation. His over deliver work ethic makes the decision easy when it comes to Refi, home loans such as FHA , VA, special loan programs , conventional loans , or any new products available he would surely know . For this Ray Ferguson gets my 5 star rating all the way !

I would not recommend this company. While we had limited dealings with Ray himself, we did work…read morewith a "rep" named Joseph. Joseph made a lot of promises (such as helping to write letters, explaining the process, providing reasonable, competitive rates) that he would not deliver. In the beginning of the process, they asked us to provide several documents and complete an application when we had already done so. When Ray sent emails/updates, we had a lot of questions. Often times the paperwork received did not align with what Joseph told us. Joseph could not answer our questions and admitted he hadn't even seen the emails or paperwork involved. I feel, as our rep, he should review all items and be prepared to answer any questions before we receive them. We were approved for the loan and we wound up canceling the entire process because of the lack of communication and because Joseph would not deliver on his promises. We tried to schedule a meeting with Ray and Joseph to sort things out. Ray called me out of the blue, while I was at work. When I told him I wasn't available, he said he would schedule a call with Joseph and he -- that never happened. Our credit report was pulled, we spent hours writing letters, retrieving documents, completing their application and it was all for nothing. Because it took so long to get to the point where we canceled, we couldn't apply with another company without harming our credit rating. This company could do well to improve their communication skills among themselves and with their clients.

Sam Calvano Home Loans - mortgagebrokers - Updated July 2026

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