This company (Eclick/Midwest Equity) bungled a lot of things during the process, but the worst by…read morefar was they somehow muffed up the info that was entered into the online application. This caused delays, which they admitted was their fault, that triggered either one or two rate lock extensions (depends on whether you can believe their "story"). The claim was that, due to the extension fees, they would actually lose money on the loan unless I covered it. Since their policy is that they cannot lose money no matter how badly they have screwed up, they "wanted" to pay for it but just couldn't. The fee? More than $1500 and, by the way, it's not even tax deductible. Major increases in interest rate in the past month make it very difficult to start over with someone else. March 2017 Update: Midwest did issue a partial rebate, about 20% of the add-on and there were no further issues with the loan. The interest rate is just 2.75% on a jumbo 15-yr fixed, and you can't complain about that. So I've added another star (2 stars instead of 1).

Had the pleasure of working with Chris Rutherford ... he was patient, answered all our questions,…read moreexplained everything and was always available. We had some complication but he explored other options and we were able to complete the process. We will definitely be contacting him when we change to a conventional loan.

I'm the first home buyer, and I'm fully appreciative Agent Nicole! Truly knowledgeable about all…read morethe process and some personal advice making everything super simple which means the whole process and application goes smoothly with 19 days closing and funding.

I worked with Cherry to get my loans done just a month ago. She's very much reliable, responsive…read moreand caring the benefits of her clients. She managed to get me approved for the CalHFA where the government issued 20% assistant loan, without which I won't be able to afford the home. She's an expert in this field. I shopped around and no one beats her offers. 5 stars!

It's truly an honor to recommend Mr. Homi Soofiani to anyone looking to buy a home…read more Thanks to his hard work and dedication, we were able to purchase our dream house. He is incredibly professional, caring, and goes above and beyond for his clients. If you think getting a mortgage might be difficult for you, don't hesitate to reach out to him with Homi's help, you'll be amazed at what's possible!

Homi recently helped my wife and I refinance the mortgage on our condo in San Diego and got us a…read morevery good rate, saving us literally hundreds of thousands over the life of the loan and reducing our monthly payments to boot. He shepherded us through the whole process and was always available (even on nights and weekends) with a quick text response to our questions. He also answered a lot of questions during the exploratory phase of shopping for rates, before we had to do a hard credit pull. We had a last minute change to our terms from a 20 year to a 30 year loan, but he still managed to pull it all off and not have any additional refinancing fees to boot. I highly recommend Homi for all your mortgage financing or refinancing needs, especially if you are relatively new to either of those processes!

When you work with a banker or loan officer you have to remember they work for the bank and as such…read moretheir loyalties are to the bank, not to you - they could care less if you get screwed. Brian exemplifies this. I used Brian to purchase three investment properties. When I went to refinance the loans I learned there were so many other ways he could have set up the loans that would have benefited me over the term. But then I looked at the fees he charged compared to the refinancing with other lenders and I realized how badly Brian screwed me. All Brian may be able to close the loan faster but it's because they have more capital after having screwed over so many customers. I can say is make sure you shop around.

Seeing mortgage rates dropping, I reached out to my lender (Quicken Loans) and also searched…read moreBankrate.com for options - where I found Watermark Home Loans. Watermark offered me a VERY competitive interest rate w/ no lender fees. The best Quicken could do was 3/4% higher, or almost the same rate as Watermark but with about 3-3/4 points! Yikes! From the beginning Brian was clear and helpful and followed through on every single thing he said he would do. The few times I reached out to him, he was quick and thorough with his responses, but he did such a good job of keeping me informed that I really didn't need to reach out to him much. I was a bit apprehensive using a company I'd never heard of, but between Yelp (and other online) reviews and the professionalism I was shown at every step, my apprehension quickly faded. I'm happy to offer Brian and Watermark my highest recommendation!

This was my fourth loan process that I have gone through and I can't say enough how pleasant and…read moreeasy it was. My loan officer was Mike Jarvis and he checked every box for me with satisfaction. Anytime I wanted an update he replied within minutes, straightforward, and with no delays or excuses. I am in school and work full time so I was hesitant to start a refinance because it can be so hectic. This go around it was so smooth and straight forward. The fees were minimal and the rate was with market rates. It was a please to work with HomeLoans and I honestly would recommend to anyone I know. Also, let me add that I got the cutest closing gift!

May be a scam. I talked to one person and they requested a…read morecopy of my current mortgage statement and they said they would get back to me next day. A week passed and no response. I followed up again in 2 weeks and they said they call back shortly and they never did. Look elsewhere as even based on Google reviews there may be some shady things going on: https://www.google.com/maps/place/Ladera+Ranch+Home+Loans+DBA+Hometown+Loans/@33.6691919,-117.8554116,17z/data=!3m1!4b1!4m5!3m4!1s0x80dcdf0a5a134bad:0xad92618db5cc1109!8m2!3d33.6690455!4d-117.853383

Dan Stone has done the research so that you don't have to. He will connect you with the lender…read morethat best fits your situation. For me, he connected me to a lender that waived PMI with only 3% down. Dan saved me hours of research and more importantly, thousands of dollars. Leave it to the pros, leave it to Dan Stone!

Felt really mislead with the service that was offered. I didnt feel his price matched the service…read morebeing offered. The lender he connected me with was a good deal but not easy to work with and the person was very unsympathetic. I would never use this service again nor would I recommend it to anyone who is thinking about it. The only reason I even considered it was the referral from my Real estate agent so I regret that on so many levels. All I got was contact information for a lender that offered this product to anyone who contacted them.

The first time I was introduced to Babak was in August of 2016 during our first home offer. In…read morecomparing, CPLC rates were significantly better tha 5 other lenders I reviewed. When the home purchase fell through due to other reasons, I kept Babak's contact in mind for future offers. Life happened and we were out of the home market for a while, but during that time, Babak kept us on his mailing list so we could be updated on how the housing market was doing. Forward to September 2021 and we were finally back on the housing market. We found one that we liked and checked with Babak along with a few other recommended lenders for rates. Only Babak and one other lender asked more questions, which showed me lenders just throwing out "low" rates vs those actually working to give the best rates. But Babak took the edge due to timelier responses; never having to wait more than a business day. This was crucial because of how hot the market was at the time with offers being reviewed within a week. Pre-Approvals and Desktop Underwritings needed to be included, so that Sellers would not reject offers due to questionable loans. So I asked Babak if PAs and DUs could be completed to include with the offer and he worked diligently to provide them within a day (that evening actually). Unfortunately, we were outbid and the next offer was a similar scenario where the sellers were reviewing offers within a week. Babak promptly delivered the PA and DU within a day, and again our offer was rejected. This vicious cycle happened a total of 12 times over 10 and a half months. But I can impressively say that all the offers had PAs and DUs included. Babak would often follow up and when we broke the news to him, he would reply with encouragements like "Hang in there!". These were great, especially when you just lost the opportunity to purchase a great home and you start wondering if you'll ever buy a home. In July 2022, we finally found a home in a new community and were ready to move forward with our home loan. The Builder's Home Loan Department gave us their rate first since we had to prequalify through them and assured us that their rates were the most competitive and that shopping around would be pointless. The Builders Loan Agent (BLA) said they would include a possible builder incentive (cashback), a 1pt reduction from the interest rate, a 120 day rate lock, and a rate renegotiation at the date of closing (if the interest rates had dropped). I took that information back to Babak and after he reviewed the home and finance details, advised that even with the 1 point reduction, the BLA rates weren't competitive at all. He could easily provide the same rate with 0 points and urged me to verify if there were any actual builder incentives, additional fees for the renegotiation, and to be cautious of any inquiries that were taking long to answer or being ignored (meaning they may be hiding things). I took Babak's advice and emailed the BLA and all that advise bore truth when after WEEKS of waiting for a reply, the BLA finally responded that there were NO BUILDER INCENTIVES AT THIS TIME and that A RENEGOTIATION WOULD INCUR A HALF POINT FEE! When I asked why this was not told to us up front, he stated that IT WASN'T COMMON PRACTICE and HE DIDN'T THINK HE NEEDED TO MENTION IT. While this was all occurring, Babak was already working on getting me a 90+30 day rate lock, closing date renegotiation with no fee, and sending me the interest rates twice a day! Even more so, Babak didn't use force to pressure me into doing business with CPLC. He sent one kind reminder that he had been providing services to me for many months and that he was really looking out for my best interest. I wholeheartedly agreed, but just asked for his cooperation as I explored the builder home loan option for due diligence. His reply was that of a true professional... "Completely understand. Will wait to hear from you." He didn't push me into a corner, he didn't bully, and he definitely didn't guilt me to move forward with him because he had provided 10 months of service to me at all hours of the night. He showed true UNDERSTANDING and PATIENCE! When I decided to go with Babak and told the BLA the rate quoted, he replied with, "THERE'S NO WAY! YOU HAVE TO SHOW IT TO ME IN WRITING! EITHER WAY, WE CAN MATCH IT! JUST GIVE IT TO ME IN WRITING!" At this point I was done and replied, "Why would I go with you to 'match the offer', when MY LENDER already did all the work?!" From that point forward, everything was smooth sailing with constant communication from Alissa and Babak. Even after dealing with Builder delays and our rate lock nearing expiration, Alissa kept calm and helped us stay calm. When the final approval was received and we only had 5 days before the rate lock expired, Alissa rose to the challenge and finished everything we needed in 2 days! Definitely recommending my friends and all of you to talk to Babak and Alissa!

Babak has guided us through escrow on our first home and was on top of things when it was time to…read morerefinance for the first time. He is professional, knowledgeable, incredibly prompt and an overall a pleasure to work with. Not to mention he has help save us thousands of dollars! 5 stars!

For years, I sat around idle and without a pre-approval letter, because I figured that all lenders…read moreare inherently difficult, too busy for you and not easy to deal with... This was from my previous experience. And then I found Sosi. Having gone from start-to-finish on a home purchase with he and his team, I am only here to say this: if you are on the fence about finding a lender to help with your next purchase, look no further! In fact, I'd go as far as saying that without Sosi, we likely wouldn't have been competitive enough to get our new home. It was his team that worked with us through all of the paperwork, got us an amazing pre-approval letter whenever we needed it (something many open houses require now) and even went to bat for us with the listing agent, to explain how dialed-in they are and to boost confidence with the seller. Literally, he CALLED the sellers agent to talk about how solid the loan would be - who does that? Epic! And all along the way, we used his phone App to track our progress and know exactly where we were at in the process. I could go on-and-on about how EASY Sosi and his team made this process. I truly am thankful we found Sosi. As you can imagine, buying a home is a big event in anyone's life, and being surrounded by a team that makes the process easy, was a real pleasure. THANK YOU SOSI & TEAM! Keep it up - you guys are the best in the business!

Working with Sosi and his team was an absolute breeze. We started the loan application process…read morelooking for a first-time buyer program, moved on to a new construction, then finally settled on purchasing an older home in a neighborhood we love. Throughout the whole experience, Sosi was there to guide us even when it seemed we might have gone with another lender. He and his team helped us organize our financials and navigate the complicated home buying process to put our best foot forward. Day and night, weekend, and even Holidays didn't stop the constant communication flow, which gave us a level of comfort and trust we needed as first-time buyers. Ultimately, Sosi got our monthly mortgage below our target even though the house price had increased PLUS got us credit back after closing. We couldn't ask for a better experience, and We're looking forward to working with Sosi and his team again in the future.