This is hands down the easiest and best process I have ever been through. Lindsey was amazing with…read moreeverything, she goes above and beyond. I have a very complicated finical situation with multiple businesses and they took care of it in no time. Best process hands down! If i ever move again we will be using you!! Thank you!!!

This review is not primarily about the loan origination process or the individual loan officer. Our…read morefamily had a long-standing lending relationship that contributed to our decision to choose American Pacific Mortgage for our Freddie Mac CHOICERenovation loan project. Our concerns arose after closing during the administration and servicing of the renovation loan. Because this team operates under the American Pacific Mortgage brand and NMLS platform, our experience with the loan after funding is inseparable from the overall customer experience we received. Throughout the renovation process, we experienced ongoing communication challenges, delays, and difficulties obtaining meaningful assistance when significant project concerns arose. What we expected to be a structured renovation lending experience became an extremely stressful and time-consuming process for our family. As borrowers, we invested substantial personal savings into the project and spent countless hours documenting events, communicating with contractors, consultants, inspectors, and lender representatives, and attempting to resolve issues as they developed. This review reflects our personal experience and opinions only. Other borrowers may have different experiences. For those interested in understanding our family's documented Freddie Mac CHOICERenovation loan experience in greater detail, we have shared project records, correspondence, and supporting documentation on TikTok at @Voice.of.Truth631. We encourage prospective borrowers to conduct their own due diligence, review the available information, and make their own informed decisions.

We had a friend recommend Sheldon when we were considering buying our first home. We know nothing…read moreabout the home buying process other than being told how stressful the entire process can be by friends and family. Sheldon explained everything in detail and went over numbers with me so we could understand what we were looking at. When the interest rates changed, he again reached out to go over how it would affect our payments and what our options are. We found a home not long after beginning the process with Sheldon and had our offer accepted 10 days ago. We will be signing at the title company tomorrow; I cannot believe this has happened so fast! The entire process has been incredibly easy, it has surprised my friends and family as this was not their own experience buying a home. Lisa, the loan processor has communicated everything along the way, keeping us updated as things progressed. I really did not think the home buying process would go this smoothly or stress free for us. We will be recommending Sheldon & Lisa to our family and friends and wouldn't go to anyone else in the future.

El Sheldon helped me get a great interest rate with this silly market. I got %4.5 VA on my wife and…read moremy dream house. He is always there to answer questions (no matter how trivial) and really breaks down each cost analysis, easy for soccer moms and dads to understand! Everyone situation is different for reasons to buy a house, in our case, we sold the old one and upgraded to a much nicer one. We doubled our mortgage, but doubled our house.

We just used Vision Mortgage on our home purchase in Pollock Pines. Wow, these guys are excellent…read more We had a complicated situation and they walked us through everything to accomplish a 14-day close. Staff was amazing and responsive. We were able to get pre-approved the same day. As we were paying off some debts, they were requesting for rapid rescores to lock in the best rates. They really fought for us. 5 stars all the way here.

I signed my final documents for my home today. It was a long 6 months of highs and lows. I want to…read moregive a shout out to Amy and Karen. They went hard in the paint for me! When I thought all was lost and wanted to throw in the towel, Amy was there with positivity and patience. Karen ran numbers like a champion, and it came out alright in the end. Along with my realtor, these ladies made my dream come true. I cannot sing their praises enough. If you want fighters on your side choose Vision Mortgage, and ask for the dynamic duo of Amy Quijada and Karen Ramos.

Kathy worked hard to get my loan approved while I was out on maternity leave. I do not think anyone…read moreelse would have done so much to help me get a loan to buy my first home. I cannot find enough good things to say about Kathy and Vitek Mortgage! Thank you so much! Anyone looking to buy a home should start with them!

Thanks to Sheldon Cooney my husband and I were able to purchase a home. Sheldon is very thorough…read moreand a pleasure to work with. We own our own business with liabilities that have personal guarantees. He was able to get us financing even with the messy details. We are so thrilled and would highly recommend him to others. He is also extremely patient with explaining things and highly responsive - we couldn't have asked for more.

Dennis was Awesome! He was able to refinance my current mortgage with No money down, intrest rate…read moredown almost a point and I came out of escrow with money back! I couldn't ask for more, entire process went very smoothly and I would recomend Dennis to anyone, he was GREAT!

Ryan Wagner was fantastic to work with for both our original mortgage and later refinance. He made…read morethe entire home buying process smooth, fast, and easy. Ryan has a deep understanding of the interest rate market and took the time to clearly explain the numbers and options so my wife and I could easily understand everything. One thing that really stood out was how well he worked with our real estate agent. Ryan helped us structure a strong offer while competing against 16 other buyers, and he was instrumental in helping us close on our first home in just 16 days. The underwriting process was surprisingly simple compared to the horror stories we heard from friends and family working with other lenders. When it came time to refinance, Ryan made that process just as seamless and was able to lower our monthly mortgage payment. He truly makes the lending process straightforward and stress-free. Highly recommend working with him.

My wife and I were looking to sell our home and purchase a new one at the same time, which can be a…read morestressful process. We were referred to Ryan, and from our very first conversation we knew we were in good hands. Ryan was professional, responsive, and extremely knowledgeable. He took the time to walk us through every step of the lending process, answered all of our questions clearly, and made sure we understood our options. There were no surprises and no confusion. Everything was laid out upfront. What really stood out was his communication. He kept us informed throughout the entire transaction and moved quickly whenever something needed attention. In a competitive market, that kind of responsiveness makes a big difference. Our loan closed on time, exactly as promised. Ryan made what could have been a complicated and overwhelming experience feel smooth and manageable. If you are buying, selling, or refinancing, I highly recommend Ryan with United Wholesale. He operates with integrity, professionalism, and a high level of expertise. We are grateful we had him on our side.

If I could give negative stars I really would. This company is a joke all the way through. I had to…read moreget the regional manager involved to even close on our home because the ball was being dropped by the loan officer. Now we've been here a few months and we are STILL having issues with them because we are having to provide insurance info to them over and over. Please save yourself some heartache and go somewhere, anywhere else. I wish I never did business with them.

LEO PACHECO is the only person you should be seeing to take care of your loan. This man makes…read morethings happen. He does what he says and he is very upfront and informative. On top of that- the man just believes in taking care of the customer. Was introduced to Leo a whole year and a half before we got to do business. He was first class from the jump. Extremely informative and to be honest, played a huge role in allowing us to progress towards our first home. A year and a half later after building towards our future- we were ready to make the move and Leo was just on the other side of the phone ready to get things rolling. Made it happen and even to this day is available a phone call away for advice. What more do you want?

We have a construction/VA loan with Land Home. Due to a lengthy permit process (which was totally…read moreunexpected) Delays at the factory on our Manufactured home & Covid 19 issues. We are getting close to a year when the construction loan will expire. Land Home will not give us an extension. Insisting on redoing the loan so they can make the fee's again. If you are considering using this company for a loan I would suggest using a different company.

Best Mortgage Consultant! My husband and I trust no other. Jennifer takes the time to understand…read moreeach person's situations and always presents great solutions. Extremely knowledgeable, professional and best value out there.

I have entrusted my Buyers to Jennifer Zweck for over 20 years. She has many Amazing qualities, but…read moreI think besides her knowledge of many loan programs, Exceptional service, Impeccable Problem Solving Talent, is one very sound quality-Jennifer is Trustworthy. You can count on her to tell you the Truth, even if her getting you a loan is not in your best interests, she will tell you. I do appreciate her ability to match up well with so many different personality types-Well. Jennifer can get the job done !

Jennifer Zweck has served hundreds and hundreds of my Real Estate clients over many years…read more If you need a mortgage loan or a home loan refi I strongly recommend you contact Jennifer. What can you expect from Jennifer? Honesty, problem solving ahead of time, good sound suggestions, consistent client follow up, competitive loan pricing, and a very positive person to work with.

If you have mortgage needs I can't think of anyone I would suggest other than Team Zweck at Vitek…read moreMortgage group. Jennifer and her team do an excellent job meeting the needs of their clients. They understand what it takes to get the job done when it comes to getting your loan funded. This team is top notch and they give attention to detail every step of the way. Also Vitek offers great incentives in addition to low rates and great service. If you're thinking about a mortgage or refi give Jennifer's team a call today!