Writing another review here into the year of 2021. I have been using Top Leading for many years…read morenow and have worked with both Amy and Jerry on many purchase finance and refinances. Amy and Jerry have been fantastic and perfect to work with. They get me the lowest rates on the market with the most cost effective fees that you can find. They turn time in communication, responses, paperwork and entire process has been impeccable. Amy puts in a lot of time to monitor the market rate and reaches out to me when she sees an opportune time to lock the rate. She is without a doubt the best I have worked with. I would recommend anyone and everyone to go to Amy for any loan needs. Thank you so much Amy and Jerry and keep up the great work that you do!

I was referred to Ammy by a friend who had recently refinanced their mortgage with Top Leading…read moreFinancial. Our conversations started around mid-December of 2020 and the entire process concluded at the end of January 2021. I was very surprised and happy that the process only took about 6 weeks as I have friends whose mortgage refinance process took at least 4 months to complete. At the beginning of my refinance process, I was shopping around and had also requested a quote at Loan Depot (LD) for my refinance (since another friend of mine referred me to his friend that is a manager there), and I absolutely despised talking to the rep that they had assigned me there. The LD rep would lose his patience when I asked questions about things I didn't understand and became not helpful when he realized that I would not sign a contract or move forward with him the afternoon he first called. He was extremely pushy and wanted to get things started right away even though it was right before the holidays. I didn't think I would be able to finish the process before year's end, so his urgency just didn't sit well with me. The moment that solidified my decision to go with Ammy and Top Leading Financial over LD was how both parties responded to me when I informed them I was shopping around. While LD was very quick and able to provide me a quote right away on our first call and Ammy informed me she would send me a quote the next day, the LD rep became aggressive in his response towards me as to why Ammy was not able to provide me a quote right away when he was able to, as if I had the answer. Later that night, Ammy had not only sent me a quote, but had also pointed out some of the differences between hers and LD, and spoke with me the next day to go over more in detail about the differences in the quotes. She was very patient and didn't sound aggressive or pushy when explaining everything to me. I was initially planning to send her quote over to LD to see if they could offer me something better, but when she ended our call by letting me know that it's okay if I don't proceed with their services, but not to begin two different loan processes with different companies because it's going to be a giant mess for me, that was the moment I decided to drop LD and proceed with Ammy. Even now as I'm writing this review over a month after my last communication with LD rep, remembering my experience with him is infuriating me. I am extremely happy with my decision to go with Ammy and Top Leading Financial, as the rest of the process was a breeze. Ammy even helped me resolve a last-minute issue relatively late on a Saturday night prior to me signing the final documents needed to complete the process the next day. Ammy and Jerry kept constant communication throughout the process and answered any questions I had quickly and professionally. If anyone's looking to refinance their mortgage and isn't too knowledgeable about the process, I definitely would recommend them to reach out to Top Leading Financial.

Working with Jerry and his team was a breeze with ease. The American First Home Loans helped us…read moresold our townhome then went through the journey of finding our new home. The entire process was easy and simple. Provide Jerry and his team members with all the required documents then they took care of the heavy lifting. In addition they know and honor the VA home loan which was a bonus because not all realtors knows the in and out of the new VA loan that all Veterans deserved to use. Jerry is well spoken and a positive representation of his clients. He didn't sugar coat anything and was honest. When asked for input on a property, he gave his honest opinion and thought on the home. When asked, he would us an idea of an okay, good and competitive offering price as well as any counter offer suggestions but end the end he left the ball in our court for us to decide. This is extremely helpful since he knows the current market and what homes are supposed to be selling at. Jerry and his team was also very responsive and answered all of our questions and concurs. They are also available nearly all time of the day and night as well as 7 days a week. This is nice when your searching for that right home. Lastly it's a one stop shop which is amazing. We didn't have to find a lender, escrow company etc. Jerry and his team did everything since they're a broker. They helped us get the lowest interest rates as well as a good rate on home insurance which was helpful since it was part of our monthly mortgage payment. With all said and done, we will definitely use American First Home Loans again and we recommend them to everyone especially Veterans. Thank you American First Home Loans and keep up the excellent customer service.

Some of the most nicest and caring people. I was helped by Jerry. And to say he isn't helpful is an…read moreunderstatement. He's with you 24/7 every step of the way never leaves a question unanswered and was always ready to jump into action for you. 10/10 would recommend to anyone

I love the TEAM at Residential Bancorp. Danny, Carmen and Abby are complete experts in the the…read moreresidential loan process, and Danny will pick up his phone on Christmas Eve. He makes it a point to work even when he is on "vacation." My grandmother and I needed some assistance recently from our former lender (big well known bank), and as much as the BIG BANK is great at 0% interest cards, they are TERRIBLE at home loans. I was desperate to close and we were going on 60 days with said BIG BANK and no appraisal yet. A family member suggested we use Residential Bancorp. My grandmother and I decided to pull our loan and take it to Danny's Team. Wow! I was impressed. The team returned phone calls the day I needed any information from them. They were fast, truthful and very courteous. What I love about Residential is that they have in-house processors, where as other major banks will have you dealing with automated 800 numbers. It is very hard to know what is going on with your loan on any given day when you are dealing with processors that sometimes take 48-72 hours just to return a simple phone call. Needless to say, we were extremely happy with the service at RESIDENTIAL. Try them! My grandmother and I are extremely satisfied! :)

Daniel Hernandez and his team are the best. They made my home buying processes so easy simple and…read moretransparent. I can comfortably say that I knew everything that was going on with my mortgage. Thanks guys! you guys are amazing!

Alan Lee is amazing. Super knowledgeable, quick and helpful. Been working with Alan for roughly 6…read moreto 7 years and have had 12 transactions completed. Definitely recommend Alan to friends and family.

Alan is a Godsend! I…read moream a first time home buyer and unfortunately made the mistake of trusting the first mortgage agent that sounded confident and friendly. I initially applied through the chariot bank because they were the home seller's preferred lender. The agent sounded smart and attentive on the phone so I trusted him. Unfortunately he made a tiny mistake, resulting in me running around each day obtaining documentation after documentation and still ended up with the denial of my loan and the loss of $900 application fee. I did not know this at the time, but apparently this bank is well-known for its irresponsible pre-approvals and haphazardly dragging out the loan application process. One would think they'd show their customers more respect after a major scandal and a public apology campaign. Just when I was about to give up this home-buying mess, my realtor introduced me to a friend who was Alan's client. Alan was extremely responsive with phone calls, emails, and texts. He paid close attention to detail and is always one step ahead of you. He picked up the mess and got my loan approved in 7 days, 3 days before I lose my earnest money deposit! I cannot thank him enough for making my home purchase happen! I will not hesitate to call up Alan if I ever need to buy another property again, and I highly recommend him to anyone who is looking to buy a home!

William was amazing, very professional and knowledgeable. He gave excellent advice and really…read moreconsidered options in the customers shoe. Highly recommend him!

Dale is my loan officer for my 1st and 2nd property and he is very professional, detail-oriented,…read moreresourceful, and knowledgeable. He is on top of everything and able to save me from missing deadlines multiple times. Because of him, I am able to lock in a relatively low interest rate and closing cost. He even followed up with miscellaneous after the house was closed. Top notch in communication and sourcing. Prompt reply on email and text even after office hours. I can't speak highly enough about him! I will highly recommend him and the East Star team to any of my friends who are buying a property.

"Damien provides excellent detailed care & service…read more I highly recommend Damien to help you with your mortgage needs." He's been my mortgage guy for 4 years now. We've done 2 mortgage deals so far...

From pre-approval to closing, Damien has made the deal go through in record time. He is…read moretrustworthy, knowledgable, efficient and ALWAYS available. Saying he goes the extra mile is an understatement. This was my first purchase in over 10 years so I was a little hazy on the process and on top of that I was working with no agent. Without Damien on my side I don't think this deal would have gone through. I had many questions during the escrow process and he was always there to answer them. He even saved me $300 in attorney fees by called his lawyer to verify items in my contract right in the middle of his son's baseball game! That's dedication! If you're looking for a quality broker then congratulations your search is over.

Natalie at Direct Bank Rate helped my wife and me as first-time homebuyers, and she made the entire…read moreprocess simple and stress-free. We were dreading the paperwork -- hundreds of pages -- but she took care of most of it and explained everything in a way that was simple and clear. Thanks to her negotiation skills, we bought our home in Rosemead for $25,000 under asking price. She got us pre-qualified early on and worked closely with the seller's agent to make sure everything went smoothly. We are so blessed and happy with her service. Thank you, Natalie -- we will definitely be referring you to our friends and family!

Direct bank rate with the help of our mortgage person, Natalie and we had a quick closing on our…read moreproperty refinance and that meant that we could get things done and pay some bills!! I was able to consolidate a bunch of credit cards and build an ADU for extra income on our large lot. Professionalism all the way if you need to close on a loan, they can help you out ask for Natalie she will not miss a single detail to get you funded!

Look no further for a your mortgage loans needs Lisa was super helpful and got our loan done quick…read moreand made sure to follow up with us. Even if something came about she quickly found a solid s got the job done. Look forward to using her in the future for our mortgage needs.