JJ, Lindsay and everyone at American Pacific Mortgage have been absolutely amazing to work with!…read moreThey are incredibly friendly, knowledgeable and willing to help by any means necessary. They took the time to answer all our questions and concerns. This is our first home buying experience and APM made sure we were comfortable every step of the way. Thank you all for your professionalism and willingness to help us!

The JJ Mack Team made the home buying process surprisingly easy. The whole process took about a…read moremonth or maybe a bit more from the time I initially applied to closing (not including the leisurely time taken to browse homes). The team was adaptable and added a coborrower mid process. Shout out to Lindsay who was great in the process! They were very clear about next steps each time.

Not all lenders are built the same--Manuel Tobias stands out…read more As a Realtor, securing a popular floor plan took a strong effort, and he delivered. He helped close my client's deal and stayed ahead of every deadline--I never had to chase updates. I trust him enough that I used him for my own home purchase too. Definitely worth a call.

I continue to feel the same as I did when I first wrote this review. Even years later, my husband…read moreand I reach out to Greg S. for guidance when it has anything to do with our mortgage loan or new home related interests. Greg is always kind, caring, and available to answer our many questions. He has helped us explore various avenues and again we appreciate the educational component he generously offers.

From the very start, Carl stood out - not just as an exceptional mortgage broker, but as an honest,…read moretransparent, and refreshingly relatable human being. He didn't win us over with flashy gimmicks; rather, he stood out with his candor, clarity, communication, professionalism, and especially his transparency from the start - which is exactly what you need when making one of the biggest financial decisions of your life. That transparency and integrity is why we chose Carl and LRG Lending over competitors. Working with Carl remotely for our Bay Area home purchase had us initially concerned, but I'm happy to say those fears vanished fast. Despite the distance, he was always available, communicative, and clear at every step. Not only that, but he also has a great ability to make complex topics easy to understand, and above all, he doesn't rush the process - a remarkable way to show us that he values us as a customer. The entire process was as seamless and stress-free as can be, proving that even a first-time homebuyer can feel confident working virtually with LRG Lending. We also want to give a big shout-out to John and the rest of the LRG team. Their support, responsiveness, and coordinated teamwork made all the difference.  Overall, if you're looking for a mortgage partner who genuinely cares and delivers, Carl + LRG Lending is the team to choose.

Best mortgage brokers to work with! Carl and John were quick to get back to me and always responded…read moreto my calls. I was able to refi without a bunch of problems. So glad I found them. Thank you Carl and John for making this easy and getting me a better rate.

We found Amy DeBusk Home Loans online while searching for a fixed rate second mortgage and home…read moreequity loan in the Roseville area. Amy and her team made the entire process simple, fast, and stress-free from start to finish. We wanted a HE-Loan instead of a HELOC because we preferred the security of a fixed interest rate and predictable monthly payments. Amy explained all our options clearly and helped us choose the best solution for our goals. Within just a few weeks, we were able to pay off debt and start updating our beautiful home in Citrus Heights, CA. We also appreciated the personal attention and being able to meet with Amy in person at her Roseville office. If you are looking for a home equity loan, fixed rate second mortgage, or debt consolidation loan in Roseville, Citrus Heights, or Sacramento, we highly recommend Amy DeBusk Home Loans!

Searching for a home equity line of credit, and having grown frustrated dealing with retail banks…read moreand online only lenders, I was looking for someone local to talk to and work with, not a chat bot or auto attendant! Amy responded immediately! What a breath of fresh air she is! Professional and helpful from the jump. Very caring, a real "throw back" to a time when personal service was valued. My background is in banking and appreciated Amy's professionalism, knowledge and responsiveness!Contact Amy, won't be disappointed.

I have done refinance loans over 40 years and Dan Klevenskiy…read more from Azure mtg corp is the best Loan officer I ever work with. He is honest, authentic professional, knowledgeable, and very patient. Dan guided me step-by-step and even gave me computer tutorials how to retrieve require documents. He always respond to my text right away and explain every questions I asked. Therefore the entire refi process went smooth and I was able to secure the great loan with low interest. Because I was so satisfied with the refi results, I chose to do a HELOC with him as well. Once again, he completed everything in less than a month and found the best option for me. I definitely recommend Dan to my family and friends because he made the entire process easy and smooth. Thank you Dan for your excellent service, I Look forward to work with you again.!

Dan made our first time home buying process so simple! He was very thorough, always available to…read moreanswer any questions and we were very happy with the way our loan turned out. We had tried four different mortgage lenders before him, and didn't feel that they came close to providing the service he did. Would highly recommend him if you are a first time home buyer or even a seasoned home buyer. Dan was very patient and knowledgeable through this process.

Albert was a consummate professional. He guided us through the uncertainty of the mortgage process…read morewith full expertise and transparency. Since then I've recommended and sent Albert quite a few of my family and friends. He went the extra mile for us when we had to close quickly as well! Thank you Albert!

If I had to describe Albert in two words I would easily say knowledge and professionalism! He has a…read morestrong grip on the market and is extremely diligent and communicative. It's worth mentioning that Albert assisted my wife and I in the purchase of our home and a year later we came back to him for a refi. He's an excellent professional and we highly recommend his services!

It feels so good to have timed the interest rate market right! It is so difficult to do that and I…read morecan honestly say that we did it thanks to Chris Matsuoka from Catalyst Mortgage. We brought our dream home in December 2023 at a great price but not so great rate. In September 2024 our mortgage company offered us to refinance with zero lender fees so we felt it was a great deal to go from 7.375% to 6.5%. We were pretty far into the process when my husband received a text from Catalyst Mortgage offering us a rate in the high 4% which we knew was too good to be true but decided to call. After having a quick conversation with Chris, he offered us a more realistic offer which was 5.875% with zero points, some reasonable lender fees. We decided it was still worth it to save more money on our monthly payment. Chris was very responsive and made the whole experience seamless. He locked our rate one day after the fed rate cut. Mortgage rates actually went up instead of down and he honored his initial offer of 5.875%. He took care of us even during some hiccups with closing and tax bills from the previous owner that increased our closing costs. Chris talked to the right people at the title company and in the end, we didn't have to pay the previous owners bills and also gave me guidance on how to go about getting that issue resolved. We closed in record time. 7 business days after our application was submitted and we just made our first payment. It feels great to see that we made the right choice in switching lenders as the rates have continued to increase and we are so happy we got to save $360 on our mortgage payment. That is such a blessing now days!! I will definitely work with Chris and Catalyst Mortgage in the future!

Catalyst Mortgage operates several scammy operations including MyLocalRate.com. They will spam call…read moreyour phone number 3-4 times a day. They even said text messages like this: "Hey [Your Name], this is Sommer with MyLocalRate.com (real person). We partner with TransUnion, Equifax & Experian Preferred Lending. Based on your profile, you qualify to refi & pull CASH OUT-lower your rate, save thousands yearly! Rates as low as 5.477% APR 30 TERM, skip 2 payments, up to 100% CLTV. Get your quote now in minutes-no credit check. Call or text me at 916-606-0219, I hope to hear from you soon!" They rotate their phone numbers every few days and there is no way to opt-out. I've filed a complaint with the both the FTC and the CA State Attorney's office.

The team here helped me purchase the home of my dreams with ease and grace. They communicated…read moreconstantly, answered my questions and gave a personal touch that was sincere and greatly appreciated. WORK WITH THEM!!!!

Jason and his assistant, Jenni, were awesome! The closing process was fast and seamless. I loved…read moretheir online system to upload documents was easy to use. I would definitely use them again.

Working with Amit Sarang at Loan City Mortgage was a great experience. He explained everything…read moreclearly, kept me updated, and made the process smooth and stress-free. Amit is professional, responsive, and truly cares about his clients. Highly recommend!

Amit has a great attitude, is very professional and gets back to you quick. Would highly recommend!read more

Just refinanced my home loan, Mary and Jeanette are amazing! Whoever else helped behind the scenes,…read morethank you too! They are personable and trustworthy and had no problems with getting what I wanted. They were so willing to help even though I can be a pain at times. I'm happy with the outcome. I will definitely return if I need to refinance again and/or buy another home. Thank you ladies! From the Orozco Family.

NOT TRUSTWORTHY AND DISRESPECTFUL! Shopped for a refinancing…read moreloan September through December, 2025. Loan Officer Michael Reddy assured me (at my insistence) it would be a soft pull (I believed him) on my credit report, October, 2025; asking, "Do you trust me?" He instructed me to fill out the form in email link he sent me. December, 2025, I committed with a different lender and gave Mr. Reddy a courtesy call to let him know I chose another lender to move forward and apply for my refinance loan. He said he could not match the same terms. Later, I come to find out Michael Reddy made 2 HARD PULLS to my credit report; October 2025 and December 2025. I reported American Pacific Mortgage's (APM) dishonesty to all 3 credit bureaus who advised me contact APM directly to initiate a correction to my credit report. I spoke with VICTOR RAMIREZ who struck me as condescending during our phone conversation; and, I told him such. Ramirez advised me APM never performs a soft pull even when "shopping around." I told him his loan officer LIED; Ramirez did not deny it; in addition, Ramirez stated the December hard pull should be deleted as there was no authorization for the pull. When following Reddy's directive I agreed to a credit authorization believing it to he a soft pull; nowhere does it reveal it as a hard pull. CLEARLY, I WAS DUPED! All I asked for was a correction made to my credit report. Ramirez showed himself so disrespectful as he ghosted my follow up email after failing to make the correction. BEWARE AND TAKE CAUTION WITH THIS LENDER! DON'T BE DUPED, TOO! NOT TRUSTWORTHY AND DISRESPECTFUL! Shopped for a refinancing loan September through December, 2025. Loan Officer Michael Reddy assured me (at my insistence) it would be a soft pull (I believed him) on my credit report, October, 2025; asking, "Do you trust me?" He instructed me to fill out the form in email link he sent me. December, 2025, I committed with a different lender and gave Mr. Reddy a courtesy call to let him know I chose another lender to move forward and apply for my refinance loan. He said he could not match the same terms. Later, I come to find out Michael Reddy made 2 HARD PULLS to my credit report; October 2025 and December 2025. I reported American Pacific Mortgage's (APM) dishonesty to all 3 credit bureaus who advised me contact APM directly to initiate a correction to my credit report. I spoke with VICTOR RAMIREZ who struck me as condescending during our phone conversation; and, I told him such. Ramirez advised me APM never performs a soft pull even when "shopping around." I told him his loan officer LIED; Ramirez did not deny it; in addition, Ramirez stated the December hard pull should be deleted as there was no authorization for the pull. When following Reddy's directive I agreed to a credit authorization believing it to he a soft pull; nowhere does it reveal it as a hard pull. CLEARLY, I WAS DUPED! All I asked for was a correction made to my credit report. Ramirez showed himself so disrespectful as he ghosted my follow up email after failing to make the correction. BEWARE AND TAKE CAUTION WITH THIS LENDER! DON'T BE DUPED, TOO!