Mike and JB helped us with a refinance. It was the smoothest financing experience I've experienced,…read moreMike was very thorough explaining the process, our options and walked us step by step. JB helped us with gathering documentation and closing docs. Entire process was a few weeks long and was very straight forward. They got us great rates and found us a great lender. Would highly recommend the team for a home purchase our refinance.

My wife and I just closed on our first home, and got our mortgage through Neil and his team…read more We were beyond impressed with Community First Mortgage, and would highly recommend them to anyone in need of a mortgage broker. Neil walked us through every step of the process and was incredibly responsive. As first-time homebuyers, there were lots of things we didn't understand and Neil took the time to explain things clearly. We felt confident we were getting the best rates, and had the best team working hard for us. For reference - it took us FOUR days to get our loan "cleared to close" from the day our offer was accepted. We had a 14-day escrow period, and our loan was ready to close well in advance. That was an incredible feat by the Community First Mortgage team, and took a ton of pressure off of us with such an aggressive escrow timeline. Lastly, Neil also recommended our real estate agent, who was another incredible addition to our team. The folks at Community First Mortgage have a five star rating for a reason, we could not have been happier with the service we received and look forward to working with them next time we are in need of mortgage brokerage services.

I've had plenty of experience buying homes and well I've been communicating with Nilu Askari for…read morethe past week trying to get cross approved per the selling agent's requirement. We have already been pre-approved by BOA (letter) and have our first property with them, this is a second home for us and have been experiencing some major hurdles trying to get this done. I sometimes think that since they have messed up so much during this process that they have failed in gaining our trust that they would at this point delay in getting us approved so that they could wait for an other offer on the property we are interested in and try and gain that business form the next person. I'm a fair person and understand but when your site doesn't work and keeps refusing to accept your information, calls are not returned and you are pretty much not getting help well it looks pretty disappointing all the way around. UPDATE 7/30/12: THIS MATTER WAS NOT RESOLVED, My conclusion was that Nilu was not happy to cross-qualify us for the listing agent since she knew that she would not obtain the business from a qualified BOA buyer. So she did everything to delay this approval since her site was broken she wanted my wife and I to drive to her location over an hour away after a week and a half of trying to get her to accept our information over PDF files. Well I'm happy to report that we ended up buying the property with an all cash offer 15K below what we had originally had offered. This chick screwed the listing agent and the seller. She did this only to look after her own interest and not the interest of those who are referring business her way. GOOD JOB NILU, I'm exposing they way you really do business, I certainly hope that you lose that business from those who take the time to read this review since you deserve to be treated the way you treat others. SHAME ON YOU! ONLY IF THIS GETS RESOLVED:: Will I make changes to this review, I have tried in good faith each day to communicate with this business but I was only told and I quote message from my real estate agent: "but you can tell him (referring to me) that his sarcasm will get him everywhere.".... Obviously she meant that it won't get me anywhere however I expressed no sarcasm, actually I expressed my concerns since her web-site is broken and I simply asked her if all she would do is call us to gather the information she needed, it's that simple. As I said, I'm a fair person but if you are refusing to do your job and are holding up the opportunity for me and my family then I take it personal and I'll be happy to leave this review up and add in more details later.

My wife and I worked with our loan officer Josh L., who was recommended by the awesome agents Eli &…read moreCaroline at Teles Properties. Given the skyrocketing prices of homes in Southern California, my wife and I experienced trepidation with whether we could afford/qualify for a mortgage as first-time home buyers. Then we met Josh, who upon looking at our financial situation, wiped out all our anxieties like a Harry Potter wizard waving a wand. From the very moment we put down an offer to closing escrow, Josh was there providing guidance with dos and don'ts with our finances, answering (more like calming our fears of the unknown) our questions, and always acting in our best interests overall. This review wouldn't be complete if we didn't also praise our loan processor Darleen V. , who like Josh, was also very friendly and responsive. During escrow, I was e-mailing Josh & Darleen daily. Now that we closed escrow, I actually miss them. Have you ever had a medical procedure that you thought was going to be painful because everyone else told you so previously only to discover that it was not bad at all thanks to an excellent doctor? Well, Josh, Darleen, and Team Skyline are like those doctors. Thanks Skyline!

Working with Todd to help us purchase our first home was the best decision we made! Todd was…read morehelpful, attentive, kind and explained things so we could understand. He got to know us as a family and I felt like every interaction was with an "old friend". Todd went above and beyond to help us achieve our home buying dreams and I will recommend him to everyone for years to come!

I have known Todd Ross for at least 35 years and have used his company for multiple transactions…read moreincluding purchases and refinances. He has become a valuable asset to have and I am honored to have him as a friend and financing tool. I have referred him to my family and business contacts as well because he is honest and trustworthy. I will continue to recommend him for as long as he will allow it.

Thank you so much for everything Luke and Brian. You guys…read moremade it happen for my husband and I . I really appreciate your honesty in this process of our home buying experience. We started working with Luke in October 2020 during COVID time. We close on our new home March 2021. We took our time looking for our home during this time we didn't feel rushed by them or our realtor Diya from Cyrene Properties We found our home in The middle of January. The online portal made it easy to upload paycheck stubs, statements and you know all the great stuff they ask for in the beginning. It was so easy. The updated phone calls were so friendly. Along with personal touch emails with your name on the videos. It's a great feeling in the end I can tell you it was not stressful at all it went smoothly. Now we are in our new home Thank you Luke and Brian 100%

This guy Brian something is horrible. He does not return calls and then pretends nothing is wrong…read morewhen you speak to him. If you are looking for a reliable person to handle your mortgage loan then move on to the next !!!!!

I highly recommend Justin to anyone looking for a loan!! We just finished my first cash-out…read morerefinance at a fast speed and Justin just gained a lifetime client as I will be coming to him again for my future lending needs! He worked incredibly fast, had the best rate, communicated very clearly, had great manners, advocated for me, and made it easy-breezy. I'm self-employed with complicated income situation. Before going with Justin, I was shopping with 10 different brokers (yes, TEN, I'm not being hyperbolic). The rate and terms he got me was so ridiculously competitive that his competition laughed when I told them, until they realized I wasn't bluffing. Not only were his competitors unable to beat it, but more importantly, they couldn't provide the speed, the smooth process, and advocacy Justin could, which matters a lot in time-sensitive loans. Most brokers feel like they work for the lenders "this is what the lender has and requires", Justin actually feels like he works for my benefit. During the process, Justin had everything scheduled and covered with a clear timeline, I barely had to lift a finger unless it is something only I can do. Justin also had great connections that sped up the appraisal and other steps in the loan process. He even advocated for me and got me extra benefits and more favorable loan terms.

We contacted Justin about a HELOC. He analyzed our situation and quickly realized a reverse…read moremortgage would be better for us. (Lots of equity, no kids.) He worked through our resistance and we got the reverse mortgage. Great move. We've already used our equity to paint our house, get mini-splits and new windows, and redo our kitchen. None of it would have been possible without Justin, to whom our retirement years owe a huge debt of gratitude.

Juan Barraza and his loan partner Aura Chafloque truly are as good as it gets! If you want a smooth…read moremortgage loan process, I highly recommend that you call Juan. He has been extremely helpful by answering all our questions and concerns thoroughly, and we were able to receive final loan approval in two weeks! Super efficient, super knowledgeable; he gets the job done, and will exceed your expectations, just as he did ours. We are a client for life with Juan and his team, and will recommend him to all our friends and family that are looking for home financing! Keep up the excellent work, Juan and Aura! #GOAT

From the owner: Helping first time buyersread more

HMS Capital made the Refinance easy, efficient and expeditious. The whole process from initial…read morecontact to Funding was about 3 weeks. All of those at HMS that I communicated were professional, responsive, detailed information provided, answered every question and did everything that they could to minimize our interaction and any delays. Matthew Gonzalez, Loan Officer, was my primary contact and was fabulous to work with. We spoke often, making sure that all of the documents needed were reviewed for any inconsistencies, as well as initiating follow-up to make sure that everything was moving towards Plan, with an estimated conclusion date for the loan. Freddy Neiyer, Loan Processor was extremely diligent and helpful. Jasmine Arroyo, Loan Closer, was fabulous and minimized any of our inputs. All went according to plan. I also interacted with Maria Pineda, Sr. Loan Processor. If you're looking for an expeditious and painless Loan, I highly recommend HMS Capital!

We have had the greatest experience with HMS Capitol!!! Brittany and Hal were amazing!!! I dreaded…read morethe re-fi process but this was GREAT!!! Brittany's persistence with getting the items we needed to close was way beyond and above our expectations!!! Hal & Brittany make a GREAT TEAM!!! So happy they're on our side!!! I highly recommend HMS Capitol and thank Bill Handel from KFI for the commercials that prompted us to call!!!

Steve Marche and the entire team at Great American Funding Corporation are amazing!…read more We were most likely one of their most challenging clients for a loan with the head of household being disabled on SS. Steve and his team never gave up to successfully secure a loan for us. They did not just do the minimum required, they went above and beyond. Each step in the very complicated loan process (for us as first time borrowers) was followed up via emails and phone calls. When the first and second options fell through, he swiftly went on to option three. Giving up was not in Steve's vocabulary. It was not discussed, not once. When we had questions, it was never too early or too late to contact Steve. He would pick up the phone and take his time to explain everything. If he did not have the answer at his fingertips from 30+ years of experience, he was honest, found the answer and called us back. When we were discouraged and stressed, borderline rude, he understood and told us to not give up: "I got you, hang in there" were his kind words we heard a few times. And he was right! He and his team got us. They handled it all. We highly recommend Steve and the entire team at Great American Funding Corporation.

Success in life is largely based on who you align yourself with in various areas…read more We started to Refi our loan almost 12 months ago. We had some credit score issues but my income and debt to income were solid. I went from one broker to another who said they could get it done for me only to end up wasting time and money. Most of these guys use the same system and the mortgage business has reduced all of us borrowers to just numbers. They put your FICO score into the system and it's either a yes or a no. There is no expertise to this industry it seems. I came across Great American and Steve and he seemed to have a different approach. I presented my situation to him and after some analysis he stated he could get it done. Fortunately, 5 weeks later I have a closed loan through Great American. I am sure it takes years of experience and due diligence making the connections to be successful in this business and Steve has certainly done that. I highly recommend him to anyone who is looking to get a mortgage loan. Whether you have perceived obstacles with credit or property value, bring them to Steve and he can honestly assess whether you can get the financing you need. I am glad we did and we are now almost $600 in the black every month thanks to Steve's help. We look forward to future success in this area now that we have Steve in our corner.

Long time ago, I worked with Corky and Laura Berg and her team, and I can honestly say that even…read moreback then her clients praised her and team same as they seem to now. She expects and delivers a level of excellence unsurpassed. Always has and apparently always will.

We just closed on a home at the end of June 2018 and Laura and her team were so great to work with…read more They were efficient and provided us so much information. They were never pushy or rushed us but made sure to reach out if we had any questions or wanted info on various scenarios. When we had an offer accepted and were ready to start getting serious, Laura sat down with us to go over everything and made sure we had and understood all the information needed to make the best decision. She even provided a handy notebook with all the info she shared along with our scenarios and kept us informed throughout the process. As you can imagine, buying a home can be a stressful process, but Laura and her team were very accommodating, calm and friendly. We are so glad we worked with Laura and her team and would definitely recommend her!

When my client's say, "Samantha makes me/us feel so comfortable" it's like music to my ears…read more When I refer Samantha, I know she is going to take care of my clients. Being in the real estate business, my client's depend on me for not only my expertise, but my confidence in my referrals as well to help them work through every facet of the real estate transaction. Furthermore, Samantha is one of a few professionals I know that actually calls me to keep me posted. Follow-thru and communication is key in this Industry, and I can't tell you how invaluable it is to have someone always on top of their work, keeping the communication lines open. I will refer Samantha over-and-over! Thank You Samantha!!

Samantha helped me with my refinance on my house. She was super friendly and made me feel…read morecomfortable knowing i was in great hands. She let me know all my options and guided me through everything. She was professional, organized, on time, honest and patient! She made this crazy experience a pleasent one! I would recommend her to everyone!