Andrew Q. and his team were instrumental in getting my loan approved for my small business. He…read moreworked with me well, got me approved, and made it happen, after other mortgage brokers said they could, and could not. I strongly recommend him and his team.

I can't thank Andrew and his team enough. What once felt impossible--owning multiple homes--he made…read morepossible for me and my son. We closed on two properties this year, and the entire process was smooth, professional, and stress-free. He goes above and beyond, always available to answer questions, explain details, and guide me step by step. His knowledge, patience, and dedication show he truly cares about his clients' success--not just closing deals. Because of him, I've been able to build generational wealth and give my son a better future. I'm already planning for the next property with full confidence he'll get it done. If you're looking for someone trustworthy, hardworking, and results-driven--this is the person you need on your team. Highly recommend!

Just closed on a HELOC with the best rate I found (by far). The process was super easy- I kept…read morewondering what the catch was. Justin was very responsive and easy to work with. I highly recommend this company!

Great team and very professional They are really…read moreinformative too and quick to follow up

It was a September evening sitting in the patio of Jetties restaurant overlooking the Lake, Tall…read morePine Trees & beautiful Mountain Cabins of Lake Arrowhead. I turned and told my sister-in-law "One day I will say, I own that cabin." Fast forward 7 months, I received a message from Janet Bernal with Virtualending that read CONGRATULATIONS, YOUR LOAN HAS BEEN FUNDED. Thanks to the guidance, excellent communication and effectiveness of Janet and Virtualending, my "one day" turned into THE DAY! I recommend Janet over & over again and God willing, my husband and I will reach her again for a future loan. Rest assured she will answer all of your questions with extensive knowledge and years of experience. Note: escrow opened & closed within 15 days!

I have had the upmost amazing experience buying my first home ! Huge thanks to Virtuallending for…read moresuch a smooth process

Armando and the whole team were so helpful during the loan process, specially Melanie, thank you…read moreMelanie for helping us with all the paperwork requirements. Armando thank you for the communication, and all around smooth process. Im Definitely recommending you guys to anyone that is the the process of buying a home. A++ customer service! Thank you Super Mortgage Bros! Ray.

You want Armando in your team today!…read more He saved us a lot of headaches getting a pre-approval form BEFORE we shopped around for property. Other loan officers do it wrong and just let their clients go out with just a pre-qualification form, which isn't an accurate number of what a person can afford. Armando also helps keep all the necessary paperwork submissions stress-free. The truth is that part of the normal process of getting a home requires a lot of back and forth about income and bank statements, but Armando's great attitude makes these communications easy to have. He is very knowledgeable about the industry, organized, adaptable, and responsive to help clients navigate the complex loan process smoothly and build trust. As a non-citizen, I cannot give my trust away so easily. But Armando earned it. He even helped us get a better interest rate right before closing escrow, saving us thousands over the years. I am now the proud owner of a multi-family home in Los Angeles. The whole process took two months - si se pudo! And Armando is still available to answer any questions even after closing. Thank you, Armando. In two years, I will be circling back for more property once I can make another downpayment. But I am recommending everyone I know to him today. :)

If anyone is looking for a new place to call "Home" ask for Agent Crystal! She made this whole…read moreprocess of finding a home easy and not stressful at all! She is there to help with whatever it is you're looking for! She is reliable and responds back!! We will be back whenever we decide to find a new home! Thank you again so much Crystal! We appreciate your services!!!

Esemerald helped me with my loan and all the loan doc. She is great, I mean she is perfect! Very…read morehelpful, quick response. This is my first time buying house, she provide me very details information and instruction as well.

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

David and all office ladies are so nice and helpful. I passed my real estate exam because David…read moreexplained everything I was confused about. Thank you David and the owner and staff. Learning with David was an awesome experience. I miss our Monday's David. Say sweet and kind?

They helped me get my Real Estate License and they continue to guide me on my path as a real estate…read moreagent! I was lucky to find a brokerage that is so involved with their students before licensing and after as well.

Always the best service! So grateful for Dawn and her team of experience staff. We have used them…read moretwice to purchase homes and I'm they will be only choice for any future needs.

I'm a customer. When you need to move on a refi or having…read morefinancing ready to go on a loan, you've usually made up your mind and these days, delays will cost you more. Acquiring solid financing, meaning your lender is anticipating your borrow begins with those people like Tom, Dawn, and Renae and the rest of C&S crew who can get you there by utilizing their knowledge and experience; and I mean really good experience, but yet staying connected and educating themselves and each other daily on the trends of the mortgage market. Their diligence to stay ahead of the game will be to your benefit. You can't just borrow anymore. If you don't know this, you should because you can lose your one chance at getting what you've worked so hard for by letting your loan app get run through the mill, so to speak, and it affecting your FICO. Some of us run real close between a decent score and a mediocre score, so don't throw away your FICO points on loose ends. Let this company package it nicely and most attractively. There is a lot of professional advocacy involved and intermingling between those colleague specialists involved in getting you that loan, and trusted relationships are at play in their circle of "know how's and know what's and know when's" so your loan application isn't flying around Willy Nilly in someone's internet space who cannot remember who you are by tomorrow. Many other companies have no personal interest nor liability to your securing money safely. It's a big risk and it's a real risk because your paperwork is moved via the internet to anyone they do not know. So it's not about speed as much as it is about completion. I myself, am not a wealthy borrower, but I am what you call a Quality Cheapskate; I want the best I can get for a fair price and Tom's humor and ability to communicate to me how to I can do that has given me a home that I thought I would never have again after divorce. Forget that; I'm better off than before. I have been a customer of this company for 10 years and Tom has never let me waste money because he does find the best way for his clients, and he's a guy who likes the big puzzle so a little maze never got in his way to bring a loan to completion. The one thing I do want to say, though they carry the complexities of accomplishing a good loan, as a client, it is soooo easy and most of your work you can do by scanning. There's very little or no running around. I have lived throughout the San Gabriel Valley as well as South OC and everything is done at home or on the phone and their system is very securely encrypted. Even the Notary can come to you if you want. I've met my Notary in front of a food truck in LA during lunch hour in DTLA while being a train commuter from Irvine. I just simply did not have the time so they sent the paper to me. I highly recommend this company and thee nicest people who work hard everyday and know how to relate to their diverse customer lifestyles, so there is no reason to think it will be impossible for you. Nancy Snyder PS I'm not correcting any grammar...

My partner and I went through a long mortgage process because of certain regulations and our home's…read morebalcony, and through it all Jane was a great help. She answered all our questions thoughtfully and thoroughly, and was great at reaching out to us in a timely and professional manner. She made sure everything that we needed to communicate and sign was completed so that the mortgage process was as smooth as possible. We definitely felt lucky to have Jane as part of our team and we're keeping her in mind to refer to our friends and family!

I had a great experience working with Jane on my refinance. She was extremely friendly, responsive,…read moreand incredibly helpful every step of the way. Any time I had a question or needed clarification, she replied quickly and made sure I had what I needed. What really stood out was how kind and reassuring she was throughout the process. Refinancing can feel overwhelming, but her clear communication, organization, and positive attitude made everything feel much smoother and less stressful. It's clear she truly cares about her clients and takes pride in her work. Having someone so dependable and supportive behind the scenes made a big difference, and I'm very grateful for her help. I would highly recommend working with her as part of this team.

As first-time homebuyers, the process can feel overwhelming and even a little intimidating. From…read morethe very beginning, Ernesto and Samantha made us feel supported, informed, and truly cared for. Working with them was such a blessing during such an important milestone in our lives. I had many questions throughout the process, and Ernesto always responded with incredible patience and kindness. He took the time to meet with me, explain things more than once, and make sure we truly understood every step. We never felt rushed or dismissed--only supported and reassured. What meant the most to us was the sense of trust and calm Ernesto brought during moments that could easily have felt stressful. He constantly reassured us and reminded us that we would get through the process together, and he was right. Buying our first home is something we will remember forever, and we are so grateful that Ernesto, Samantha, and their team were part of that journey with us. They truly went above and beyond to guide us all the way to the finish line. If you are looking for a team that is knowledgeable, patient, and genuinely cares about their clients, we cannot recommend Ernesto and his team enough. A true 5-star experience from start to finish.

Could not recommend Ernesto and his team more. He recently helped guide/strategize a significant…read morehome purchase during a really tricky time for home-buying. We couldn't be more grateful for his expertise in helping us find and land the best possible loan for our situation. We believe that his understanding of the current lending landscape helped lock in the best rates, saving us so much money over the life of our loan. Ernesto and his team went above and beyond collaborating with our agent, the sellers representatives and everyone in between. Ernesto was responsive, thorough, thoughtful, knowledgeable, kind, and patient. He answered all of our questions in a way that felt relevant in these tricky times. He had our best interest in mind every step in the way. We felt safe with him and his team and wouldn't go to anyone else in the future!