I would have chosen 10 stars, if I could. I just closed an escrow in Newport Beach with the help of a fantastic lender Terra Sotelo of Apex Mortgage Solutions. Terra was superior in her ability to get things done, approved, on track, and on time. She was excellent also in explaining procedures to the client and keeping them calm and collected. Escrows are NEVER easy, but sure is great to have an expert on your "team". I highly recommend Terra Sotelo to anyone purchasing a home. Thank you Terra! Janet Thompson First Team Real Estate read more

Terra has been an awesome Mortgage Consultant. We have used her services when buying a home, and for re-financing a home. She always works with us, explains various aspects of the process, and gets us the best deal available for a new mortgage. In addition, she reviews insurance coverage and makes suggestions where warranted. I wouldn't want to work with anyone else - Terra is The Best! 10-stars!! read more

OK, I don't even know where to start, except to say, if it weren't for this woman, I would STILL be living in a van, down by the river! With her guidance and support, I was able to step out of the closet, divorce my wife, abandon my 5 children and I even learned to play the harp (mouth harp, specifically) I kicked my opium addiction and with a little help from the California Lottery, was able to collect enough cash for a down payment on my first double wide! I am in heaven. With my newfound confidence as a legitimate home-owner, I joined the all men's gay chorus and have encouraged all my new partners to follow my lead so that we can take over this damn trailer park! I would strongly recommend Terra to not only find the best trailer loan, but as a valued counselor, to fix all of your life's problems. 5 stars! read more

I have been a real estate agent for almost 38 years. Recently I had the opportunity to work with a lovely couple who had been through a few agents prior to meeting me. I did end up getting them into the hopefully, last forever dream home. This was no easy task for myself or their loan agent, Terra Sotelo. I have not had the experience of working with Terra before. Terra was on task for returning calls and emails immediately, and between our team work, we were able to get this lovely couple into a home. I think most before us had just given up. I highly recommend her services and I look forward to using her services in the future. read more

We have worked with Terra several times and despite our introduction to other Mortgage Brokers, we continue to return to Terra. Terra takes each client as her personnel mission to do what is best for them within their financial means. We recently had two homes to refinance and the timelines were extremely tight. She took on the task and represented us as our greatest advocate with the lender. What she accomplished in a short amount of time is nothing short of a miracle. I have yet to find a mortgage that beats the rate she secured for us on both homes. She handled my impatience and worry like a pro. She gave me and my wife the time we needed to feel comfortable with the decision and responded immediately to our many calls. When we were out of the area during the time to sign papers she arranged to make it happen at our location and what was convenient to us. Terra is a master in customer service and working on what is best for her clients. We do not foresee any future mortgages or refinancing and will miss working with Terra. Despite that she is on the top of our list and gets our endorsement from anyone seeking her skills. Thank you Terra! read more

Terra was absolutely amazing. We had a stressful transaction together and Terra completely nailed it! Even a day early! She even made it fun! I would highly recommend Terra if you want a drama free loan with terrific rates and excellent customer service. I look forward to working with you again soon Terra. Thank you for everything! read more

I cannot say enough great things about Terra. She walked me through my first refi with patience, stellar communication and follow-through and with so much knowledge and expertise. I wish I could refi every 3 months so I could stay in touch with Terra :( She is a true professional but also has this ability to make you feel like you're family. Terra's approach was calm, cool, collected...and we had so many chuckles along the way. She kept me updated every step along the way and made things happen quickly! Terra explained the process in a way that I actually understood (again, first time refinancing) and she made me feel comfortable and confident about my decisions. I HIGHLY recommend Terra for anyone's home purchasing needs. You will want Terra on your side. read more

I've been in real estate for over 25 years and Terra is the best loan broker I have ever worked with. She knows her stuff and delivers top service. Terra has taken care of most of my buyers over the years and they still turn to her when loan questions or needs come up. She is honest and truthful and tells it like it is. On top of all that she is fun to work with. read more

It was an absolute pleasure working with Terra! I was a first time home buyer and used a VA loan. Terra helped me throughout the whole process. She made sure that I understood everything and made me feel very comfortable. She is honest, professional and a hard worker. I can not thank her enough for helping me purchase my first home. I would HIGHLY recommend Terra to anyone without hesitation! read more

Terra is an amazing woman all the way around!! She is friendly, outgoing, punctual, efficient, an amazing business woman, smart, and good at her job! She looks out for her clients' best interests and helps them do what is best for their family's finances! I recommend Terra to all my friends and family! read more

Terra is great to work with. She came to me as a referral from First Republic Bank when I didn't have the 20% FRB required. I'm grateful for that referral. As a first time home buyer buying a short sale I knew very little about the process. Terra walked me through various scenarios and ran the millions of projections I requested. The loan process went extremely smoothly. Then 6th month later she sent me an email because property values were rising and she wanted to see what I thought. We refinanced out of the FHA into a conventional loan in just 6 months. I'm glad she kept me on her mind after the initial transaction because she saved me a few hundred a month and got rid of my PMI. Fantastic job! read more

I have worked with Terra for over 16 years and through at least 5 home loans. Several times over the years she actually talked me out of a refi or other move when the timing was not right with the market. She has never failed to impress me with her knowledge, efficiency and follow through. She knows her stuff, is honest and will hold your hand through the technical gibberish when you need her. She stays current on market trends and she's been on the money (literally) with all the advice and assistance she has given me. SHE IS THE ONLY PERSON I WILL USE FOR MORTGAGE/LOAN ASSISTANCE. I have sent many good friends her way when they were looking to buy or refi. I think that speaks volumes to my confidence in her services. What are you waiting for?!? Call her! read more

From our very first phone conversation I felt like I had know Terra for years. We had moved to CA from out of state and she came very highly recommended from our real estate agent. Terra is extremely knowledge and really has a way of looking at the bigger picture to ensure you are getting the best possible deal. Things are done differently in CA than in our home state and Terra very patiently took the time to explain everything in detail to us. She is very fast to respond to calls and emails (even on off hours). We bought a new construction home and the builder offered us an irresistible incentive to use their lender. Terra completely understood and agreed that financially we should not turn it down. I was heartbroken to leave her as she had been wonderful but she was understanding and promised to remain by our side until the deal was done to make sure we were being treated fairly. After a couple weeks it became clear that this new lender was a total snake in the grass and we went running back to Terra who greeted us with open arms and no hard feelings. Although we lost the incentive it was totally worth it to know that we were being taken care of by someone who had our best interest at heart. There are very few people in this world who would put a stranger before themself, Terra is one of these rare people. read more

Terra has been awesome! I am battling with the decision as to whether I should short sell or stick it out and Terra has given me tons of advice. She has helped to ease my hand off of the panic button with thoughtful insight and detailed explanations. She doesn't have a secret agenda ($$$) and seems genuinely willing to help others. I really appreciate her help and would recommend her to anyone looking for help with their mortgage. read more

Basically, one day while burning time at work, I went day dreaming on Zillow and got somewhat connected with a relator to see how realistic it would be for me to buy a house at this point in my life. I was referred to Terra and got pre-qualified and was intrigued by how realistic owning a home could actually be. Now I am a homeowner. With Terra's help, buying a home was easier and more efficient then purchasing moving boxes from uHaul through FedEx (true story). All you need to buy a home with Terra is a solid internet connection, access to a scanner, a phone, and a little cash and she will make all of your wildest dreams come true. Thanks for everything. read more

I have bought and sold many properties over the years, and Terra is not a 5 star mortgage/loan expert....she is a 10. Call her. You will not regret it. read more

Terra is simply amazing! She guided us through our home purchase with expertise, patience and some magic fairy dust. Terra clearly knows the business and its pitfalls. She lead us around all the potential delays and unnecessary costs even after we closed. Terra was recommended to us by my mother...who by the way is a harsh judge of character and ethics and a keen business Lady who counts her pennies. My mother wouldn't stop bugging me until I spoke with Terra. This turned out to be very good advice. Terra also compensated for our Realtors lack of knowledge, picking up his slack and carrying us over the piles of mistakes he made. Thank you Terra...you are the best! read more

I just finished my refinance with Terra and couldn't be happier or more impressed. She was able to help me pay off all of my credit cards, second mortgage, take out cash AND reduce my mortgage payment. She advised me on certain steps to take so that I could get a better rate on the mortgage. She communicated with me often and I never felt out of the loop. She was recommended to me by a friend at work, I will be recommending her to anybody who is looking to refinance their home and wants a honest and down-to-earth person to work with them in getting the best deal possible. I highly recommend Terra and am fully satisfied with my experience and her expertise. read more

As a first-time buyer dealing with a very difficult personal situation, I needed lots of hand-holding throughout the process. I can't say enough about Terra's help and patience during this time. I was, frankly, terrible about staying on top of my responsibilities, and Terra was always patient even when I was asking her for information she had already given me (more than once). She offered so much advice about the intimidating world of first-time home buying; she even provided information about things that are generally outside the scope of lending. When I wasn't on top of my paperwork (especially at the end of the process), she gave gentle nudges which was exactly what I needed. She was an almost endless source of info and clear-headed encouragement. I couldn't be happier with her service. read more

Thank you Terra! I was procrastinating refinancing my home because I was dreading all the paper work, financial details, emails, phone calls, faxing, you name it. Terra came recommended from a friend and I made the call. She knew right away how to help me help myself. She gave me a list of things to get together, and walked me through a rough timeline of how everything works. She talked with me about different options available to me and clearly explained every step of the process. I felt very informed, and truly appreciate the prompt responses to questions. Honestly, it was painless. Terra and her team are a pro act. They have it all figured out and work together seamlessly. From Michelle at the title company, the notary people she sent out to my house (for free!), and even the appraiser guy that came out. Seriously folks, I don't think I got "lucky", Terra is a pro and if you need to go through any sort of mortgage lending process, she's your person! read more

This was my first home purchase. Everything was new. I was as green as new home buyers get!!! When Terra would call me and tell me she needed paperwork, I was on it. So anxious to get into my new home, usually getting the paperwork back the same day. She was nice, patient and down to earth. I couldn't of asked for a nicer person to handle my first home loan. I don't ever want to move again, but if I did, I would use Terra again!!! read more

Terra was amazing! I would absolutely recommend her to anyone. I can honestly say we would not be living in our dream home without her help. We even closed while she was on vacation and that didn't stop her one bit from completing our paperwork. She worked fast, efficiently and is incredibly organized. She helped us through not only one failed escrow, but two until we finally found a place that would pass inspection and is perfect for us. read more

I was talking with my neighbor about refinancing. He told me about his friend Terra. I contacted Terra some time before I actually refinanced. I took her knowledge of the economy and housing market to wait for the right time to refi. When the time was right we did it. Terra was awesome. She made the whole process so easy. She was up front and explained all my options. I will definitely use Terra again!! read more

We've worked with Terra several times over the past almost 20 years. She has always come through with the best deal and has saved us a substantial amount of money. On this refinance she noticed we were paying too much for insurance and introduced us to another agent who saved us half our homeowners premium. We would not hesitate to recommend Terra and will definitely work with her on our next purchase. read more

Terra was able to get us a good loan after we were turned down by the big banks. We are loving our new home and would not have been able to do it without her help. She is very thorough and down to earth, treats her clients like family. Highly reccomended read more