We have had several homes which KD Capital Mortgage financed or refinanced for us. Kim Rivas and…read moreMonica Stephenson have always worked so hard and obtained great rates for us. We highly recommend them as the best mortgage company in town.

Our experience with KD Capital was outstanding, memorable, and 100% positive. Kim Rivas is an…read moreexpert in her field and leads an excellent team of professionals. Monica Stephenson her assistant provided top rate service, support, and peace of mind during a significantly meaningful time for us. We were given frequent updates, insights, and supportive and patient answers to all our questions. New to both the area and the home buying process, we were incredibly fortunate and blessed to have KD Capital on our side. KD Capital was dedicated and committed to our success - we know this because of how they made us feel during every interaction or conversation. We now own a beautiful house just within 30 days of our touring the very same house we wanted at first sight - and one day earlier than the estimated closing date. We are incredibly grateful for this beautiful house, and it was KD Capital who made sure we crossed the finish line!

Christa is what I would describe as above and beyond professional. She came to my lending company…read moreafter another lender had left her and her borrower in the lurch. Time was running out. The borrower was about to lose the property. It was already in escrow but the other lender ate up a lot of the time. We worked together like a well oiled machine. If we asked for something it was in our hands within 10 minutes. She answered every phone call, every text and every email in record time. We were able to get the deal done with hours to spare thanks to her diligence. I highly recommend.

We just closed on our new home last week, and I cannot express enough how happy we are with…read moreChrista. First, she really knows her stuff. There was very little she didn't have right off her fingertips. Two: She ended up getting us better terms, more credits, and everything, even when we hit a small bump in the road. Everything was perfect and we closed right on time. My wife and I are thrilled to no end. If we ever need another home loan, we will only make one call.

Kathy made herself available, on a Sunday, to walk me, a first time home buyer through my mortgage…read moreapplication over the phone. She was patient and super helpful with everything. Kathy made sure I understood each step in the process. Kathy was wonderfully communicative through email, text, and phone calls. I felt completely supported through the whole mortgage loan pre-approval and approval stages. You want Kathy in your corner for your mortgage-she is fantastic!

Kathy is one of the hardest working individuals we've ever had the pleasure of working with - she…read morewill inform you every step of the way. We've come to her twice already and are impressed with her work ethic. Highly recommend :)

Hands down, the best in the business. We have purchased a few homes over the years and nobody that…read morewe have worked with in the past has been more professional, honest, knowledgeable and hardworking as Central Coast Mortgage Consultants. We are customers for life!!

Sam was the best. He kept an eye on the process at each step and resolved problems as they came…read moreup. Sam is a very knowledgeable mortgage profession. Thanks for a job well done. ladonna

Mary Trudeau and her team in the SLO office are truly amazing and professional. If you have a…read morecomplex real estate transaction you need to obtain your loan here! Her years of experience and knowledge are invaluable.

Mr. Austin assured us in our initial consultation that our loan, while a bit tricky, should be able…read moreto be completed in 6 weeks. From the time we turned our loan docs in to the time we got so disgusted with his lack of communication and empty promises when he did bother to respond was 5 MONTHS. We went to another local loan broker, KD Capital, and had our loan finalized in about 10 days. I would never recommend Mr. Austin to anyone looking for a loan. Ask Realtors and Title Company Escrow Officers about him if you don't want to take this at face value.

When we were looking to buy our first home we wanted to make sure we had a low payment. We had…read moreheard of horror story's on some of our friends loans. We asked around if any one new a great mortgage broker. More than a handful of people kept bringing up the name Chris Austin. We gave him a call and he had us approved with a low interest rate we couldn't believe. Chris made everything so easy. He had us wait till the rates would drop and then locked it in. We will recommend him to whoever asks us if we know a good loan guy. Thanks Chris, for everything.

Simply amazing! John was the best. We were trying to get a loan for our home and we had very…read moreunusual circumstances. John worked hard after hours and even over the weekend. He pulled every string imaginable and he got us the loan and now we are in our new home! I can't think of anyone else who I'd recommend other than John Samsky. Thank you so much! Also, a pretty cool guy.

In the midst of the Covid-19 pandemic, my wife and I looked into buying a new home. Not because we…read morewere financially sound or because Mars was in Gatorade or whatever. Simply because it was in our best interest to move from the property we were at. We consulted a local realtor who had us call John Samski III at KD Capital. Now, I always admire someone who picks up the phone the first time you call them. That's what John did. From the start he was very informative and knowledgeable of all the loan products that were available to us. He walked us through the process, which was new to both my wife and I, and always took the time to explain what everything meant. We had a particularly long escrow which was nerve-racking. But John kept us abreast of everything that was going on and was patient and accommodating. John is as competent as they come and should be the standard by which all others are measured. The other day my wife and I were hanging out and out of nowhere she says..."Dang, I kinda miss John Samsky and his daily phone calls..." That's an impression not many make!

A most professional and competent company. They guided us through our options and and assisted us…read moreat every turn. we would highly recommend them.

Wow!!!! Cannot recommend them enough! The team at Equity Reach really went to bat for us. Because…read morethey are so knowledgeable in their industry, they helped us get the perfect financing for our home :) if you want a team to advocate and fight for you, it's them!

Personable and helpful with a custom loan for each individual's needs. I'm pre-qualified but I…read morehaven't found my property yet and its no problem as the money will be there when I make my offer.

10/10 would recommend. We were first-time homebuyers and we worked with Lauryn F. and her team…read morethroughout the whole process. If you don't read anything more, stop here and ask for Lauryn. What stands out most to us about Lauryn was her knowledge sharing, promptness, CLEAR communication, and just general bedside manner. We had an interesting thing happen when we were in escrow and she was with us every step of the way with helpful information. Like the other reviews here, Laury at CCL is great and we'd definitely use her again and recommend her to any friends or family that are in need of a loan.

John Kirkgard, the owner and founder, contrasts nicely with many of the large cookie cutter…read moreadvisers in the area. We have found that these large companies treat clients as a number, and rarely provide the individual attention needed to properly manage investments. When markets are tough and unpredictable it is nice to know that John is looking at my account and doing all he can to balance my portfolio in order to meet my goals. John limits the amount of clients he takes on in order to ensure he does not spread himself too thin. As concerned as I am with how well my account performed in charging markets, it is the performance of my investments over the last three years which really highlight J. Dyhr Capital's successes. John is an independent Registered Investment Advisor based in the Santa Ynez Valley who specializes in Investment Advising, Financial Planning and Wealth Management. Rather than taking orders from a regional or national branch, J. Dyhr Capital's independence allows it to allocate to the best possible investment vehicles for its individual clients. John also close relationships with CPAs, Tax and Estate Planners and local attorneys to assist his clients in all facets of retirement planning. He is local and knows many people in the valley. There is a good chance he is already working with one of your friends or associates. Ask around everybody knows John, and just about every can attest to his strong character and integrity. In our first meeting, John sat down and carefully educated me on the process. He walked me through my complicated quarterly statement from a large local branch and helped me understand the complicated tables and hidden industry vocabulary. If you are looking to chase market returns or flip stocks J. Dyhr Capital is not for you; however, if you are looking for some portfolio stability through someone you can really trust then look to John Kirkgard.