Jeff and Cindy were amazing in assisting me and my family with the purchase of our first home. They were patient with all my questions and my inexperience with the process. Cindy took the time to explain everything to me and truly helped my mortgage process to go as smoothly as possible. Highly recommend Southern Oaks Mortgage for any purchase or refi you might need. read more

Jeff is wonderful. He made the process see less. We felt like he was informative and trustworthy. He made sensible recommendations. We feel the quality was great and we closed in less than a month. My family recommended him highly and we weren't disappointed. Thank you. We appreciate you taking the time to go the extra mile. read more

We were renting for over 20 years and our landlord decided to sell last June. She gave us an option to buy and Jeff was her realtor. What an amazing experience we had with Jeff and his team. The amount of knowledge is unbelievable, he even wrote his own book which was such an easy read with all the information you may need to purchase a home. He went above and beyond to make the transaction as smooth as possible. No matter how many questions we had and how confused we would get at times. Jeff was prompt, always available, and patient with us. Thank you, Southern Oaks Mortgage! read more

We were referred to Jeff through a previous happy customer, and we could not have been happier with the service provided. Jeff was patient, thorough, and endlessly knowledgeable. Any question, any time, he was on top of it. Could not have asked for a better agent, I will be recommending Jeff to all of my friends and family for all of their real-estate and brokerage needs. Thank you Jeff for all of your help read more

I have purchased a lot of Realestate over the years and I have had many different experiences, however I decided to try Jeff at Southern oaks mortgage and I have never had such a simpler, smoother loan transaction in all my years of purchasing Realestate. The honesty and integrity I felt right from the start from his team carried all the way to the end with a perfect ending with NO PROBLEMS. Quick, simple & successful! I will recommend this company to all my family and friends in need of a loan or refinance! THANK YOU SOUTHERN OAKS MORTGAGE!!! read more

Bill and Cindy at Southern Oaks Mortgage were the absolute best! This was the 3rd home that I have purchased with Bill, and I can't say enough about him. He is incredibly knowledgeable, made himself available anytime for questions, and not only explained the process every step of the way, but took the time to teach me, so I could make well informed decisions. This was my first time working with Cindy, and she was nothing less than a miracle worker. I had a very tough situation with my loan and she went above and beyond to make it happen. She was incredibly communicative, organized, professional, and also very kind. Buying a home can be incredibly stressful, but she always made me feel like she genuinely cared and that I was a priority. It was a wonderful experience! read more

Loved working with Cindy and Jeff, for any future purchases, sales, anything of that nature we will use them! Super helpful, very knowledgeable, and so easy to work with! read more

I've known Jeff for over 20 years, he helped me buy my first house, and also my 2nd house. I recently refinanced with the help from Cindy and Jeff, and the process was painless. They are both so knowledgeable and so helpful. I wouldn't go anywhere else!!!!!!!!!! read more

This was the easiest not stress re-finance ever. Jeff and Cindy were great. Friendly, professional and they treated me like a friend. Jeff walked me through the process and kept me posted throughout the process. I would use Jeff next time and every time. Definitely call for an estimate and after hearing a friendly voice you will complete the financing with Jeff. read more

We have used Southern Oaks Mortgage on the last two home purchases we've made and intend to continue to use them in the future. Jeff has 17+ years of real estate experience so he is very knowledgeable about the business. He can advise you on the best course of action to make sure your experience is successful. He is a very honest person who cares more about his clients than making an extra buck. His reputation actually means something to him so you can trust that he always has your best interests in mind. His office manager/processor, Cindy, is extremely nice and goes out of her way to make sure the clients are happy. She is also very knowledgeable about the business and is diligent about staying on top of things. She can be trusted to get the job done right the first time. I wholeheartedly recommend Jeff & Cindy at Southern Oaks Mortgage for all your home buying needs. They are my mortgage company for life. read more

Jeff is amazing and assisted us to get a VA loan. He's right on top of everything. He has wonderful referrals to get small jobs done too.

Jeff is a true professional! This is the third mortgage he has done for me and it was seamless as usual. My wife shopped around for rates and Jeff was on top of his game saving us thousands of dollars. He worked amazing with our realtor in San Diego and was able to get us a loan for our dream house! He always answers ours calls or calls us back in a timely fashion which I love because I generally ask lots of questions. He was able to fund our loan on time and made the entire process seam so easy (I'm sure he put in a ton of work to make it appear that way to us)! read more

Southern Oaks Mortgage - Sold! Loan by Jeff at Southern Oaks Mortgage - Mortgage Brokers Near Me - Valencia, California

I recommend Southern Oaks mortgage because Jeff Eisenberg is a man of eminent integrity. I would not hesitate to use him for refinancing my home. read more

We have used Southern Oaks Mortgage for numerous refinance projects over the last 10+ years, and each experience has been phenomenal. Jeff and Cindy assisted us on every detail; they were proactive, professional and timely. We will use this company for any and all future Real Estate transactions because they treat us with the highest level of respect. SOM is one of the most outstanding companies that I have ever worked with during my adult life. read more

I've been meaning to write this review for a few months but wanted to give a huge shoutout to Jeff and Cindy and the entire team at Southern Oaks Mortgage. Jeff is honest, reliable, detailed, and gave us the best rate around. We love Jeff and his team and will be returning to them for any future purchases/refinancing in the future. If you're looking for quality work, this is your place. read more

My husband and I are refinancing our house with our current mortgage lender and when things began to go south, I asked a friend for a recommendation for a mortgage broker. Enter Jeff Eisenberg. This stellar human being reviewed our documents and gave us his honest appraisal of the situation - all without promise of securing our business or recompense. I wish the entire business world operated under the ethics and standards of Jeff Eisenberg at Southern Oaks Mortgage! The world would be a safer place for consumers and humans in general. Thank you Jeff for your candor and refreshing honesty. We appreciate you! read more

SOM owner, Jeff Eisenberg, is truly incredible to work with. From the very beginning of the home buying process until well after I closed, Jeff showed nothing but professionalism. He was knowledge, available, attentive, honest and hardworking. He and his escrow staff made my experience so simple and understandable, and I recommend Southern Oaks Mortgage whole heartedly; there's no reason to look elsewhere. read more

This is our second time using Southern Oaks Mortgage for our home loan. I have nothing, but good things to say about Jeff. He makes you feel like family and genuinely wants the best for his clients. Jeff is on top of things and will get you what you want and need. What we like the most about Jeff, is that he will teach you along the way. He explains everything and shows you different options for you to decide. He is very thorough. As long as we live in Santa Clarita, we will continue to use his services. I 100% recommend him. read more

I used southern oaks mortgage as my lender this time around. I was not the ideal client I probably was so difficult 1) I had to start the whole pre approval process once I had opened escrow 2) I'm ridiculously busy so had no time to really focus on helping get them all my info Jeff and Cindy went ABOVE AND BEYOND! Not only did they make everything work out but they did it in 30 days!!!! Talk about a blessing! I 100% recommend using them! read more

This review is long overdue, but I wanted to share my great experience working with Jeff and Cindy at Southern Oaks. My fiancé and I had a lot of hurdles to overcome in order to buy our first home - but Jeff was very patient and guided us though the process. He answered our emails day and night and we really felt like he was doing everything possible to make our dream a reality. Thank you both! read more

Jeff's tag line is, "When the right loan matters". That's because many brokers will shoe horn their clients into a loan they cannot afford. Jeff analyzes his clients financial situation, and matches that to a compatible lender. He can tell before submitting the loan whether his clients will qualify, and if not, he advises what steps to take to get into a qualifying position. I have known Jeff for 7 years. I have recommended him to friends and family, and I look forward to using his services myself. read more

Jeff and Cindy made this refinance an easy and painless experience. I love how they kept me informed throughout the entire process. Thanks! read more

My forth loan through Southern Oaks Mortgage just closed and it could not have gone easier. Jeff and his team provided us the best overall solution for our needs, which was a no fee loan with a very competitive fixed rate. Their ability to offer loans from many lenders and help determine which would address our specific situation is one of the primary reasons I would not use or recommend anyone else for a home loan. I highly recommend Southern Oaks Mortgage and every friend I have referred to Jeff has thanked me for the great referral. read more

This is our 2nd time using Jeff at Southern Oaks Mortgage, Inc. He helped us again, this time to refinance our home and achieve our goal of lowering our mortgage payment. Not only is his staff incredible, but he continually keeps in touch with us via phone calls, emails and real greeting cards always keeping him top of mind. We receive a monthly newsletter letting us know what is happening within the mortgage industry and how rates are fluctuating. Overall, they provide superior service and are always true to their word. We highly recommend them to anyone in need of a mortgage. Thanks for all you do! read more

Jeff is one of kind, if you're looking for a loan Jeff is your guy, he made the whole process very simple and helped us getting great rates, always answered my phone calls emails and text msg, he was always professional and kind Thanks Jeff totally recommend read more

Southern Oaks Mortgage is great. I have used Jeff for every mortgage and refinance since 2000. (Well, except for one - it was a disaster) That covers about 7 different loan transactions. I just finished up a loan with them this week. Their communication is fantastic through the whole process. And they find the best rate out there for you. Honestly, I have no idea how they do it all. Actually, I do: Cindy! She is always polite, informed and knows what levers need to be pulled to get everything done on time. I highly recommend Southern Oaks Mortgage for first time buyers (you will learn a lot) and for seasoned buyers who want someone to take care of it all for you. Oh, and did I mention Cindy...? read more

Jeff and Cindy are a dream team. We closed on our first home yesterday and could never have done it without Jeff and Cindy. From our first phone call, Jeff took the time to ensure we understood our options and the ins and outs of mortgages. He's an expert and strived to educate us throughout the process on everything from interest to underwriting to the mail that will come after we closed! I'm no doubt a better homeowner because of Jeff. Cindy handled the processing of our loan. "Handled" is an understatement. Cindy sees the process 10 steps ahead of everyone else and made sure everything was in place for a seamless underwriting. Having Cindy at the helm let us breathe easy throughout escrow. On top of being wizards at mortgages, Jeff and Cindy are incredibly kind and the level of service at Southern Oaks Mortgage is superior to any experience we've had anywhere. We'd recommend them with the highest praise and will be back should we ever buy another property. Thank you both so much! read more

I honestly don't know where to begin. I met Jeff Eisenberg after dealing with several agencies claiming they could approve me for something they could not. Jeff helped me figure out my DTI by suggesting things no one else did. He never gave up on me and always remained professional. True to their word, Southern Oaks Mortgage worked hard for me! Because of them I was able closed on my home! Month of bad advice and dead end results... Jeff and Cindy came in and saved the day. The company is beyond great and they were always there when I needed them or had questions. Always delivering superb customer service. I couldn't have asked for a better company to work with. My only regret is that I didn't work with them sooner. Thank you for everything! You're #1 in my book. read more

Working with Jeff has been a true privilege. He helped us in getting the loan to buy our first home. He was professional, kind and very patient throughout the entire process. He responded to phone calls, emails and text messages right away. He was attentive and always kept us informed. We would highly recommend him to anyone who needs a lender who truly cares and goes above and beyond. Thanks to Jeff and Cindy. You're the best! read more

Dearest Jeff & Cindy, Thank you so much for helping us trough this journey to purchase the income property. It has been a wonderful adventure for us & a absolute true pleasure to work with you again at Southern Oaks Mortgage. I recommended Southern Oaks Mortgage 100%, excellent customer service very knowledgeable and Jeff will get you the best the best Mortgage rate-:) Cheers, Gary & Barbara Besse read more

I was recommended to Southern Oaks Mortgage by a good friend and am very happy to say I would give the same recommendation to anyone else looking to buy a home. Jeff and Cindy were both amazing to work with. They were there to answer questions when needed and were always prompt in returning calls to update us. Jeff worked hard to lock in a great rate for us and gave a lot of really solid advice that saved us a good amount of money at closing. Thanks to both for the hard work throughout the process. I can't say enough good things about Southern Oaks Mortgage. If you are in the Los Angeles area and looking to buy a home please give Jeff a call. read more

We have been using Jeff's services for over 15 years. He has done about 7 transactions for us and has always not only gotten the best rates but provided excellent service. You can count on Jeff to effectively guide you thru the complex process of buying a home. On top of that, When all is done, you will end up with a good friend for life !!!! read more

We were so fortunate the day we crossed paths with Jeff and his team, Cindy, at Southern Oaks Mortgage. Jeff helped us find the right house in the right neighborhood for the right price that fit our budget. More importantly it was his constant service more than sales persona of looking out for us and our family and his trustworthy, honest business practices that made us feel so safe with him as a real-estate agent. In short, the best part about working with Jeff was that he was always more focused on answering our questions, giving us good advice, and finding a home that met our needs rather than closing a deal. We would recommend him to anyone! Thanks again Jeff and Cindy, you are the best! read more

What makes this mortgage broker stand out above the rest is that Jeff is an amazing problem solver. All loans come with their varying range of difficulty and Jeff knows how to figure it out and get his clients the right loan. His knowledge of the market is very impressive and we will continue to go to Jeff because I trust he will get us the right loan. read more

Jeff is the most honest guy in lending. He explains everything to you and works really hard to get you the right loan. He knows what he is talking about, and has always done a great job for me. I suggest that you use him for your loans too, you'll be happy that you did. read more

Southern Oaks Mortgage is more than just a mortgage loan company it's a caring sharing organization that works very hard to get its clients the very best financial services available. They are great! read more

Jeff and Cindy literally bent over backwards to make our extremely complicated home buying situation succeed. When no one else seemed to have answers on how to handle an international real estate transaction such as ours, Jeff and Cindy worked tirelessly until we got the answers and closed our escrow. They were always polite and genuine in their regard for us, and came through with a loan that we are very happy with. I would whole-heartedly recommend them to anyone seeking a positive mortgage experience. read more

Just refinanced my home mortgage with Jeff and couldn't tell you how great he was! Everything went smoothly, with no stress, and I'd refinance with him again in a heartbeat. Definitely will recommend him to my friends! read more

I have to say Cindy and Jeff made the impossible happen. We closed the loan on my new home in only 23 days even though the builder had 45 days. I had to have a concurrent close on my old house to the new one, and against all odds Southern Oaks Mortgage went way beyond to make it work out! Thanks guys! read more

Jeff is an amazing lender and did a fantastic job for my clients. My clients were approved with another lender of their choice and they had given that lender their tax returns, pay check stubs, and bank statements and had been told that they had a solid loan and could start looking. After a couple months of looking they finally found the house they felt was perfect for their family only to find out within a week that they didn't actually qualify for the loan. This lender had never looked through all of their paperwork until the offer was accepted. That is when Jeff stepped in and walked them through the entire process of qualifying them for a loan. Jeff stayed in constant contact from beginning to end. There were no surprises because he was very thorough. My clients had many questions and a lot of anxiety due to the past lender and he was patient with them. I highly recommend Jeff and look forward to working with him again. Michelle Judd Realtor Pinnacle Estate Properties, Inc. read more