The first time I was introduced to Babak was in August of 2016 during our first home offer. In…read morecomparing, CPLC rates were significantly better tha 5 other lenders I reviewed. When the home purchase fell through due to other reasons, I kept Babak's contact in mind for future offers. Life happened and we were out of the home market for a while, but during that time, Babak kept us on his mailing list so we could be updated on how the housing market was doing. Forward to September 2021 and we were finally back on the housing market. We found one that we liked and checked with Babak along with a few other recommended lenders for rates. Only Babak and one other lender asked more questions, which showed me lenders just throwing out "low" rates vs those actually working to give the best rates. But Babak took the edge due to timelier responses; never having to wait more than a business day. This was crucial because of how hot the market was at the time with offers being reviewed within a week. Pre-Approvals and Desktop Underwritings needed to be included, so that Sellers would not reject offers due to questionable loans. So I asked Babak if PAs and DUs could be completed to include with the offer and he worked diligently to provide them within a day (that evening actually). Unfortunately, we were outbid and the next offer was a similar scenario where the sellers were reviewing offers within a week. Babak promptly delivered the PA and DU within a day, and again our offer was rejected. This vicious cycle happened a total of 12 times over 10 and a half months. But I can impressively say that all the offers had PAs and DUs included. Babak would often follow up and when we broke the news to him, he would reply with encouragements like "Hang in there!". These were great, especially when you just lost the opportunity to purchase a great home and you start wondering if you'll ever buy a home. In July 2022, we finally found a home in a new community and were ready to move forward with our home loan. The Builder's Home Loan Department gave us their rate first since we had to prequalify through them and assured us that their rates were the most competitive and that shopping around would be pointless. The Builders Loan Agent (BLA) said they would include a possible builder incentive (cashback), a 1pt reduction from the interest rate, a 120 day rate lock, and a rate renegotiation at the date of closing (if the interest rates had dropped). I took that information back to Babak and after he reviewed the home and finance details, advised that even with the 1 point reduction, the BLA rates weren't competitive at all. He could easily provide the same rate with 0 points and urged me to verify if there were any actual builder incentives, additional fees for the renegotiation, and to be cautious of any inquiries that were taking long to answer or being ignored (meaning they may be hiding things). I took Babak's advice and emailed the BLA and all that advise bore truth when after WEEKS of waiting for a reply, the BLA finally responded that there were NO BUILDER INCENTIVES AT THIS TIME and that A RENEGOTIATION WOULD INCUR A HALF POINT FEE! When I asked why this was not told to us up front, he stated that IT WASN'T COMMON PRACTICE and HE DIDN'T THINK HE NEEDED TO MENTION IT. While this was all occurring, Babak was already working on getting me a 90+30 day rate lock, closing date renegotiation with no fee, and sending me the interest rates twice a day! Even more so, Babak didn't use force to pressure me into doing business with CPLC. He sent one kind reminder that he had been providing services to me for many months and that he was really looking out for my best interest. I wholeheartedly agreed, but just asked for his cooperation as I explored the builder home loan option for due diligence. His reply was that of a true professional... "Completely understand. Will wait to hear from you." He didn't push me into a corner, he didn't bully, and he definitely didn't guilt me to move forward with him because he had provided 10 months of service to me at all hours of the night. He showed true UNDERSTANDING and PATIENCE! When I decided to go with Babak and told the BLA the rate quoted, he replied with, "THERE'S NO WAY! YOU HAVE TO SHOW IT TO ME IN WRITING! EITHER WAY, WE CAN MATCH IT! JUST GIVE IT TO ME IN WRITING!" At this point I was done and replied, "Why would I go with you to 'match the offer', when MY LENDER already did all the work?!" From that point forward, everything was smooth sailing with constant communication from Alissa and Babak. Even after dealing with Builder delays and our rate lock nearing expiration, Alissa kept calm and helped us stay calm. When the final approval was received and we only had 5 days before the rate lock expired, Alissa rose to the challenge and finished everything we needed in 2 days! Definitely recommending my friends and all of you to talk to Babak and Alissa!

Babak has guided us through escrow on our first home and was on top of things when it was time to…read morerefinance for the first time. He is professional, knowledgeable, incredibly prompt and an overall a pleasure to work with. Not to mention he has help save us thousands of dollars! 5 stars!

By far the best firm I've ever worked with in a long time. My mother recommended Diego and has…read morehelped her and my uncle's on several loans. Diego went above and beyond to help me buy the property I was looking for. I was told by others that because of the difficulty of finding a property that matched all my requirements and the challenges in funding such a loan, I should be looking at SFR and Duplex properties. Diego from the beginning gave me the confidence that I would get what I wanted and that there would be no issues in funding it. Another point to note is that he was fundamental in getting offers accepted. Before dealing with Diego my offers seemed to be getting ignored. I was competing with investors on the properties I wanted. Diego suggested a few changes to my offers. After those changes were made I felt like we were in the drivers seat. It's amazing how much of a difference the experience can make. Only thing I regret was not coming to Diego sooner. I travel a lot for business and thought this would delay the process in some way shape or form. But, being able to view docs and sign them online was great and kept us on track. If you're in the real estate business, are looking for your first home, or are having difficulties getting a loan don't hesitate in calling Camerra Capital you won't regret it.

Second time working with Camerra Capital, and I highly recommend them for any loan needs. Did a…read morehome buy and a refi, and they got the job done. There's always issues, but they help you navigate through all the complications. I previously used a big bank for a home purchase, and it was a nightmare...never again. Where others will fail, they just get it done!! Highly recommended. Thanks Diego and JR!

My realtor and sibling recommended Jason Wang of Equify lending because they said he was the most…read morehelpful, humble, and hardworking lender I would find. Plus, he responds usually same day or and always communicates with you to let you know what's happening via email, phone, text. After this experience during the craziest market ever, I have to agree he was and is the best choice. When starting my home buying experience I had NO idea what was going on, super newbie. That coupled with COVID19 and a crazy market caused me a lot of stress. Another lender I tried to get a quote from (because they say to get 3 online, right?) was just AWFUL. She took weeks to get back to me with the most basic of information and another few weeks for a inferior loan estimate and higher interest rates than Jason did. Just getting her on the phone was difficult! I felt like because I was not rich enough to her she did not make me a priority. I got quotes from Bankrate or other online sites but it was all very confusing. Working with Jason Wang was truly like night and day from that experience! It is like working with a responsive, experienced friend who is there to help you almost 24/7. He is extremely knowledgeable about the market, loan process, you can tell he is cares despite being busy, and helped me and my boyfriend understand what was going on in a volatile market. He got us the lowest rate possible, explained everything I could possibly ask (which is a lot), explained how to get the most credit or what would be the most beneficial in the long run with first time home buyers loans vs standard loan, PMI/HOI and closing costs giving us tons of options. He never changed his attitude when we fell out of escrow for a bad house and took another few months to get into escrow again. He was understanding and able to help me change my down payment when we did not meet the loan appraisal. He followed up more than escrow did when there were missing documents. I highly recommend Jason Wang. If your lender is not responding quickly, same day, or you have to follow up with THEM? Then you need to call Jason. It should not be a stressful process. I mean, its still going to be stressful but having the best people on your team helps to make it so much better.

I had a very good experience refinancing with Jason at Equify. His knowledge in the mortgage market…read moreis unparalleled and the process was seamless. He was reachable at all times and very communicative. He made a tedious and daunting process simple and headache-free. I would recommend him to friends and family.

Rob handles us with such care. He guided us through all of the steps with patience. He wasn't pushy…read morewhich I really appreciated. Highly recommend.

When it comes to mortgages, Rob has a wealth of knowledge. I have experienced his skills repeatedly…read morein settings with different business professionals and have seen him help many of my friends. Rob spends a lot of time researching the markets and the best way to help his clients. I highly recommend contacting him if you want to purchase property in California!

For years, I sat around idle and without a pre-approval letter, because I figured that all lenders…read moreare inherently difficult, too busy for you and not easy to deal with... This was from my previous experience. And then I found Sosi. Having gone from start-to-finish on a home purchase with he and his team, I am only here to say this: if you are on the fence about finding a lender to help with your next purchase, look no further! In fact, I'd go as far as saying that without Sosi, we likely wouldn't have been competitive enough to get our new home. It was his team that worked with us through all of the paperwork, got us an amazing pre-approval letter whenever we needed it (something many open houses require now) and even went to bat for us with the listing agent, to explain how dialed-in they are and to boost confidence with the seller. Literally, he CALLED the sellers agent to talk about how solid the loan would be - who does that? Epic! And all along the way, we used his phone App to track our progress and know exactly where we were at in the process. I could go on-and-on about how EASY Sosi and his team made this process. I truly am thankful we found Sosi. As you can imagine, buying a home is a big event in anyone's life, and being surrounded by a team that makes the process easy, was a real pleasure. THANK YOU SOSI & TEAM! Keep it up - you guys are the best in the business!

Working with Sosi and his team was an absolute breeze. We started the loan application process…read morelooking for a first-time buyer program, moved on to a new construction, then finally settled on purchasing an older home in a neighborhood we love. Throughout the whole experience, Sosi was there to guide us even when it seemed we might have gone with another lender. He and his team helped us organize our financials and navigate the complicated home buying process to put our best foot forward. Day and night, weekend, and even Holidays didn't stop the constant communication flow, which gave us a level of comfort and trust we needed as first-time buyers. Ultimately, Sosi got our monthly mortgage below our target even though the house price had increased PLUS got us credit back after closing. We couldn't ask for a better experience, and We're looking forward to working with Sosi and his team again in the future.

As a first time buyer, I had no idea what I was getting into. Don was very knowledgeable letting me…read moreknow what my budget was, what rate range I would be getting and how much I could be paying monthly based on my income. All the questions I had Don would respond immediately. He would always check up on me on updates making sure the process was going smoothly. Even after the purchase I asked Don about refinancing and he was able to talk me through it. I would recommend Don to anyone attempting to purchase a home.

Don is the best mortgage lender I've worked with. He was very detailed answering my questions and…read morevery informative. He made sure I understood what was going on the entire time during the process. I definitely learned a lot from him. He always kept me up to date if there was news and never pressured me into doing anything that wasn't in my best interest. Thanks again Don

Mr Parniani has done my loan, he is very professional, prompt, on time, honest,…read more.. I highly recommend him as person who can be relied on.

I went through the process of purchasing my first home several years ago and let me tell you, there…read morewas a lot to learn! Buying a home can be a scary endeavor; especially if it is your first time. I was fortunate to have the guidance of Ali Parniani to help me through it all from the very beginning. He frequently took time out his day to explain to me each step along the way and was always available when I had questions (there were a lot of questions!). He is very responsive, attentive to details, and trustworthy. I couldn't have asked for a better agent to work with. Not only did Ali help me secure the loan for the house, he has also guided me through several refinances on the home since the original purchase. Whenever I decide to purchase my next house, I will definitely be sure to go to Ali first.

Just bought a home and Alex answered every single question I had - He was very patient with me…read more Alex has a good team and lots of experience with loans. Once Alessandra started helping out with the underwriting process and started to have direct communication with her - everything flowed so easily. I am happy to recommend them 100%

It was amazing experience working with Alex. I had other issues with another lender and Alex came…read morein and literally saved the deal. He was professional, responsive, walked me through the entire process. I was able to close my loan earlier than expected. I highly recommend Alex to anyone who is in need of a lender.