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    Sam Calvano Home Loans

    5.0 (3 reviews)
    Closed • Closed

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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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    The GreenHouse Group - Jesse Ibanez and Jeremy Beck of The GreenHouse Group, combining real estate and mortgage strategy to help San Diego clients move smarter.

    The GreenHouse Group

    (443 reviews)

    Normal Heights

    Giving five stars and a glowing review is simply not enough to express how happy we were to work…read morewith The GreenHouse team. As first time home buyers, we had no idea where to start. We were also out of state which made everything that much more difficult. I'm a big Yelp user and relied on the hundreds of other 5-star reviews to look for a real estate company. I was so impressed with Craig and Jesse from the start. The initial call was SO organized, thorough, and personal. Not only did they give us a incredibly detailed step-by-step guide of the buyer's process, but also spent the time to learn more about us as people and what we were looking for in a home. I was surprised my how much time and energy was invested before even signing any contracts with them. After meeting with a few different teams, we chose the GreenHouse Group and 100% stand by our decision! Communication was consistently strong and we were always in contact with someone/the entire team along the way. We worked with Lori & Alexa who also helped us navigate documents and important deadlines. The GreenHouse Group has a well-designed platform to track the home buying process--making it easy to see deadlines and to-dos. We worked with Craig for our Kick-Off Tour. The GHG evaluation system for homes captured everything important to consider when purchasing a home and we learned so much about what to look for when checking out a home. Craig was straight-up, incredibly knowledgable, and clearly looking out for our best interest. He took us to see quite a number of homes that day and even had snacks and waters to keep us going! Unexpectedly, and uncommonly, we found a home from that weekend's trip we wanted to put an offer on. Craig jumped right in and guided us through the 'make-an-offer' process. He worked incredibly hard to negotiate on our behalf and was able to coordinate inspections and video walk-throughs for us when we couldn't be physically present. We were always promptly and transparently well-informed and advised. We never felt pressured or persuaded to make any decisions. Craig and the GHG team presented the facts and gave recommendations based on 20+ years of company experience--always looking out for our best interest. They were 'real' and weren't out to "sell us" on anything. Even during the rent-back process, the team coordinated with the other realtor to work with the sellers on transitions and key dates. It was super fun when Jesse and Lori were already at the house when we arrived to pick up our keys--what a thoughtful surprise! To top it off, they came with a whole container of new home goodies and essentials for us to use while we settled in (and even had some for our dog!) The care box was super useful, especially when we didn't have any of our kitchen items yet! Even after the sale and getting our keys, the GHG team is still there to answer your questions and help you out--including a list of recommended contractors and other services you might need when moving into a new home. I'm sure I am forgetting something here, but needless to say, we 10/10 recommend the GreenHouse Group to anyone looking to buy (or sell!) a home. We have no regrets and could not have asked for a better team. Thank you GHG!

    Selling a home is stressful (especially for someone like me!) but Lori and Jesse made the whole…read moreprocess feel surprisingly easy. They were always available to answer questions, kept me informed every step of the way and made sure I knew what to expect throughout the process. Their advice on pricing and negotiations was spot on, and everything moved smoothly from getting my house ready to list all the way through closing. I also want to give a shoutout to their TC, Alexa. She kept everything organized behind the scenes, was always responsive and helpful, and made sure nothing slipped through the cracks. I have no doubt that her attention to detail played a big part in helping us close on time. Thank you to Lori, Alexa and Jesse in making this process feel smooth and manageable! If you're looking for a knowledgeable, responsive team to help sell your home, this is your team!

    Point Mortgage

    Point Mortgage

    (58 reviews)

    Start by saying it was of the most easily Refinance I ever done …read more.... My loan officer Javan Francisco Carboneno Is a blessing to know him He took the time to walk me through the process step by step highly recommended that if you are trying to buy or just refinance ,I don't ever put my personal business out there but what I have to say is the truth I purchased my house 2 years ago and monthly payment was $3,089 ... When I tell you that My experience was amazing and after Francisco was able get get me a 3.25% now I pay only $2,239.00 a month it's crazy good Francisco and the entire team at point mortgage so believe me ask for Francisco Javan $850 plus two free months of free living my first payment Thank you Javan Francisco respect and love

    Deeply disappointed with: Tyler Crisci…read moreNMLS # 231073 I am a real estate broker representing the Seller involved in a transaction with the above-referenced loan originator. It seems that the loan originator DOES NOT read the contract and gives buyers bad advice?!! In our transaction, Buyers and Buyers' Agents were well aware that the solar financing WAS NOT assumable. The parties agreed, in writing (the Real Estate Purchase Agreement), asvto how they would pay the balance on the solar loan. The loan originator apparently did not read the contract and unilaterally told the Buyers they didn't have to pay off the solar financing, that the solar loan could be assumed. WRONG!! Due to this, we were delayed in closing and of course, the loan originator would not even consider helping the Seller with any damages he was incurring due to the delayed closing of the escrow on the sale of his home. I would recommend NOT using TYLER CRISCI in the future. He also poorly communicates updates on the transaction which doesn't help either.

    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)

    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.

    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 !

    Sam Calvano Home Loans - mortgagebrokers - Updated September 2026

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