I thought I would never end up buying a house...so when I found my dream home just randomly driving…read moreby one day, I realized I didn't have any knowledge of how the process work. While my parents introduced me to a family friend who was a real estate agent, I had no idea how to go about finding a loan officer! After digging through Yelp/Google, I stumbled upon Meridox Mortgage that had stellar reviews and took a chance. I called Meridox and was put in touch with Trung Tran. I let him know that I didn't have any knowledge of how the house-buying process works, but he was incredibly supportive and assured me he would walk me through every step. Shortly after we finished talking on the phone, he sent me a list of items to provide for the pre-approval letter. Trung's turnaround was quick. I sent him my information in the evening and got the letter the next morning. My real estate agent used this letter to draft the offer...it was accepted! After my offer was accepted, the rest of the process was somewhat nebulous, but my real estate agent worked closely with Trung to help me through. Trung was with me every step of the way. He patiently explained how my monthly mortgage payment and closing costs were calculated and even helped me negotiate a home insurance offer. He even kept a close eye on the market and advised me when I should lock in the rate. I thought home buying would be more stressful, but it wasn't as bad as I thought because Trung made every step clear and was very on top of deadlines. From pre-approval to loan closing, it took just one month! Thank you Trung for being so diligent and patient in helping me secure my dream home! Trung was also very proactive in reaching out to me a few months later when interest rates dropped by about 1%. I had the honor of working with Trung again for my refinance, and it was also efficient and painless! I recommended Trung to my coworker recently when she was looking to buy a condo. Highly recommended to anyone who is in a market for a house to look into Meridox!! Thanks again for your hard work, Trung!!!

I cannot recommend them enough. Linh is an amazing service provider, and she will meet you at your…read morelevel. A little background: I did 2 house purchases, and 1 house sale by myself without a realtor before engaging Meridox. I didn't need handholding, because I was not a first-time buyer. I wanted an advisor who can give me an honest opinion as to pricing, knows the neighborhoods, and can negotiate with the seller's agent. Linh was so on top of things. She understood that I was busy and scheduled multiple showings for me on weekends. She mapped out our route, so we can be efficient with time. She never asked me to consider any property that was outside my price range or not what I was looking for. I was able to knock out many home viewings with her, and we put in a couple of offers. I saw a house that fell out of escrow. I messaged her, and she was immediately on it. She showed me the house, called the seller's agent, and basically convinced the seller to take my offer that was a tad below listing that either that same day or the next. (OC is a hot market, so this was an incredible deal! My other offers all sold above listing.) She was incredibly responsive, super sharp, and very easy to work with. I used Meridox as my mortgage broker as well and used them again to refinance a year later. Very seamless and easy transaction. Forget all the agents who claim to "treat you like family." Choose Meridox: the true professionals.

I do not understand all the negative reviews. Maybe they are coming from delinquent debtors who do…read morenot like the collection efforts of the FCI staff. I am a lender. FCI has given me excellent service. They have always answered my questions and have followed up with me in a timely manner. When my debtor became delinquent, FCI handled it in a professional matter

As an investor, I have used a few servicing companies for my private money loans -- FCI, Del Toro…read moreand Note Servicing Center. FCI is, by far, the worst in terms of communication, clerical errors, lender payments, etc. It appears the customer service staff is not knowledgeable and treats investors like borrowers. I got frustrated due to a late payment on one of my loans, and was told there was not a late payment. However, I was informed a week later that the loan due date was modified and payment would be issued on a new due date. Additionally, the statements are are confusing and difficult to read with multiple loans so need to call to clarify which payments belong to which loan. I received a payment that was more than the expected interest and discovered the payment was for 2 separate loans, which caused much confusion. I did request a change in servicing companies via the private lending company who uses FCI. However, the answer was an emphatic 'No', so I am stuck with FCI for all my investments with this private lending company. If you have a choice, try Del Toro or Note Servicing Center.

I recently purchased a home and used OC Mortgage Solutions services. As a first time home owner,…read morePam worked with me and provided amazing service and high quality of work. She was able to answer every question I had and helped make the most of my money. Even a month after closing, she still answered any other questions or concerns I had. 10/10 would recommend

I was referred to Pam at OC Mortgage Solutions by a friend to help my daughter and I get into her…read morefirst house. Pam was very professional and and genuinely a very nice woman. From the first time we spoke she was very thorough and professional . Even though this is not my first experience with a lender, she was by far the best. Communicated every day on interest rates so we would know the best time to lock the rate. Quickly responds to questions and made this seamless for us. I appreciate her help and will use her again when it's time to refinance.

We used Ricky to do our refinance even though we had several people because he took the time to…read moreexplain all the documents, was available to answer questions, made sure we got the lowest rate locked in and not only informed but educated us. A very pleasant ans nice surprise was that he didn't make us feel like a number

The first thing I would like to mention is that the hours Ricky has listed for his business are…read moreincorrect, they are not 8am-8pm, he is available at ANY TIME, and that is part of what makes him amazing to work with, among many of his other positive qualities! We ventured out to find an investment property and Ricky's speed and responsiveness were incredible! In what is a very tight and competitive market, Ricky identified a property that met almost all of our criteria, with a great sense of urgency. It was clear during the process that Ricky has established relationships in the real estate community, he already demonstrated solid rapport with the seller's agent, which made the process very fluid. We were able to close on the property far more quickly than we anticipated and Ricky handled much of the leg work on his own - taking many of the tasks off of our plate, which we greatly appreciated. Not only did Ricky identify and secure the property, but he also provided us with the loan vehicle needed to fit our needs. The instrument was far better than anything else we saw in the market and he showed he has strong expertise in financing as well. Above all, Ricky is a gentleman with a great work ethic. He treats everybody like family and has a true desire to go above and beyond for his clients. It shows in his day-to-day interactions and he leaves no stone unturned. It is refreshing to work with someone who actually cares about customer service and always takes your call. I strongly recommend Ricky for ALL of your real estate needs.

Are you just coming across Paul for the first time ? Then I would say you are in amazing hands…read more Paul is straight forward and shows you everything up front so you know what you are looking at. This is the 3rd I think time I have used Paul we were able to close in two weeks ! That is a turn around you just don't see. When gathering documents and any items needed to purchase a house he is on it to make sure you gather everything needed and whatever the underwriting needs. Thank you Paul again I know I'll use you in the future. The Wise Family.

Paul helped us close on our first house in just 2 weeks. His guidance, responsiveness, and…read moreattention to detail made a stressful process feel smooth and manageable. We found Paul after submitting a request online for mortgage quotes from several brokers. It was a Sunday night so we didn't expect any responses until Monday morning, but Paul replied immediately to our inquiry. He remained responsive and prompt the entire time we worked with him. When you're making offers on houses and especially when you're looking to close on a home, you want a loan officer who works fast and is readily available like Paul. We actually vetted several other mortgage brokers before finding Paul, but did not feel that they were forthcoming or transparent. When you're looking for someone to help you get the best deal on a loan and potentially save you thousands of dollars, you want to feel that you can trust them to have your financial interests in mind. Paul was honest about rates, costs, and what we qualified for. He guided us on our best options while also never being pushy - all while also helping us get a better rate and lower closing costs than competitors. From the early rate discussions to the final steps of funding, Paul was always on top of everything and made sure we understood what to expect at each stage. We especially appreciated how patient he was with our questions and how proactive he was in helping us meet every deadline. We've been recommending him to friends and family and will happily work with him again when it's time to refinance.

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

Chris from Thrive Financial was amazing to work with during our mortgage process. He guided us…read morethrough every step, explained everything clearly, and always made himself available when we had questions. The whole process felt organized and stress-free because of him. Escrow was short and smooth, and there were no surprises along the way. Chris stayed on top of everything and made sure we understood what was happening at each stage. We're really grateful for his help and would absolutely recommend him to anyone looking for a mortgage lender who truly knows what they're doing.

I've been working with Steve, Chris and Vince for over 20 years and there's no other Mortgage…read moreLender and overall consulting advice in the business community! Don't think twice, call the team at Thrive and you'll do more than just survive, you'll prosper and THRIVE!!!! Paul F. Anaheim

I was lucky enough to discover Josh on yelp! We started our loan with a different lender, 6 days…read moreinto escrow she advised me that there was no way she can do my loan. I was very desperate to find someone to get the loan done and multiple Loan officers said there was no way. When all hope was lost, Josh came to my rescue! He made the impossible possible. Josh is absolutely Amazing, Professional, fast responsive, efficient and savvy. He made the experience as painless and worry-free as possible, he kept us calm and never lost faith in the process. He won't beat around the bush and he won't string you along false hope. He doesn't try he gets things DONE! So here's where he went from AMAZING to OUTSTANDING, Josh closed a week earlier than our original date! In the middle of a global pandemic. In addition, he was able to get me a great rate. I can not thank him enough for his hard work and making the process smooth and stress free. We are truly grateful for everything you did! You can rely on Josh 100% and would recommend him to anyone. Can't wait to work again in the future!

I was a first-time home buyer and found Josh after doing some research on highly-rated loan…read moreofficers. Although I had initially called Josh with the intention of applying for a loan, I felt so comfortable and confident with his work that I ended up choosing him as my realtor as well - this turned out to be a really, really great decision! Josh and his brother Anthony were with me every step of the way. Being new to the process, I had several questions that were always answered very promptly. Josh was honest, hard-working, and incredibly friendly and sincere during this whole process. Due to the crazy housing market, the house that we were interested had several offers on it. With Josh's real estate savviness and knowledge, our offer was chosen. We were ecstatic! The rest of the process went extremely smoothly. The entire home buying journey was so much less stressful because of the support I received from Josh and Anthony. We moved in late November 2020, but even when I contacted them after, they were ALWAYS there for me. I have no hesitation in saying that if I called them up today with a question, they would give me the great same service I received from them several months back. Thank you Josh!!!

Brian is an excellent broker! He's kind, knowledgeable, trustworthy and fast. You know you are…read moregetting the best service possible when you work with him. I've used his services for a refinance and later the purchase of my dream home. In the years between I could always reach out to him with a question. I would recommend him to anyone in need of a home loan or financing.

Working with Brian on our new home mortgage was an absolute pleasure. He was very straightforward…read moreand honest and was always 2 steps ahead of the process. We had a 30 day escrow and he was extremely helpful in keeping us moving forward and getting the documents we needed so everything would be done on time. He makes sure you know that you are a priority and backs it up with action. And he's an all around kind person as well. I would recommend him to anyone looking to finance or refinance a home. Thank you Brian!

As first time homebuyers, we knew nothing about the loan process. Mina was recommended to us by our…read morereal estate agent and many of our friends used her when purchasing their homes. Working with Mina was a dream! She explained everything simply for us and showed us different options to financing our loan that could help us save money up front. Mina is quick and responsive. She turned around our preapproval within 24 hours! I highly recommend working with Mina and her team fo your mortgage needs! We will be referring her to our friends and family.

Mina was absolutely amazing to work with. We were referred to her by our agent, which turned out to…read morebe one of the best decisions we made. From our very first call, we were extremely impressed with her knowledge and professionalism. She took the time to truly get to know us and understand our homebuying goals. As first-time homebuyers, the process was entirely new and, at times, overwhelming. However, Mina has a calming and reassuring presence that helped alleviate many of our concerns. She was able to help us close on a very tight timeline, which made our offer stand out. She also turned around mortgage scenarios quickly for multiple properties we were interested in, with varying financing options--sometimes even multiple times in a single day. Every time we spoke with her, she was transparent about the process and clearly communicated next steps. Thanks to her diligence, she was able to lock in our rate just before they increased significantly, which we are very grateful for. She was always available when we needed her, and we truly could not have asked for a better lending partner. We look forward to maintaining our relationship in the years ahead as we settle into our new home.