Jorge has always handled my refi's with expertise excellent customer service and fast turnaround -…read morehighly recommend !

Over all, great service, online app is super easy, Jorge verbally communicates everything once you…read morecomplete the application. Amazing and I can't wait to refinance after my purchase, thank you!'n

Working with Jose was a quick and easy process. As someone who works a full time job, Jose was able…read moreto work around my schedule and made it an easy process. He was professional and prompt, which showed he valued my time just as much as his own. Thank you for making this process easy for me.

Jose is efficient, on time, and fairly priced. You can be confident that your documents will be…read morewell taken care of.

Best mortgage company in the world! Any type of real estate lending you can think of they will have…read morea loan for you!!! I've used them many times as a real estate investor and home owner E Mortgage Capital is the best in the business!

Gabi and her team helped me out on several home purchases. Easy to work with, they explain the…read moreprocess, make sure you understand the process and make it as simple as possible. I would highly recommend E Mortgage Capital to anyone, either buying for the first time, refinancing, investment purchases or even comparing rates. Out of state purchases, no problem, they helped me with those as well. They always deliver as promised.

Da Loan Lady is absolutely amazing! Deir Andrade is a polished, knowledgeable, and dedicated loan…read morebroker who truly goes above and beyond for her clients. From the very first call, she made me feel like a priority. She worked tirelessly to find the best options for my situation and never stopped until everything was taken care of. Her professionalism, clear communication, and genuine care set her apart from the rest. I can't recommend her enough--if you need a loan, give Andrade a call. Whether you're buying your first home or your next one, she will find a way to make it happen. She never stops working for you! You won't regret it! Ronnie Hawkins-Hawkins & Hawkins Tax Services

Deir Andrade "Da loan lady". She is nothing but the best!…read more She is top notch! Very efficient and confident! When I refinanced my house and also when I did a reverse mortgage. De Loan Lady was there, she made everything very easy to understand. I thought getting a loan would be a challenge. However, it was smooth sailing. Deir Andrade does not allow difficult waves to hinder her goal. She hits them every time. Thanks Deir for helping me win the race. I highly recommend Deir Andrade " Da Loan Lady" . To successfully obtain your loan. Go for it ! Denise L.

We had a great experience with Daniel Romero at JMJ Financial. This was our first home and after…read moretalking through the loan process with our credit union we were left really overwhelmed. We thought we wouldn't qualify and were out of options. Luckily, we were connected to JMJ and Daniel was able to explain all of our options and let us know the best loans we qualified for. We were then able to make an educated decision. He made the process as smooth and seamless as possible. JMJ even went the extra step to cover some unexpected costs that were going to prevent our loan from going through - a.k.a. they saved us when it looked like it was going to go south. Daniel was also quick to answer all of our texts and calls, anytime of day. I really feel like we received great service and I would't hesitate to recommend Daniel to anybody looking for a home loan.

Excellent service! We recently purchase our home .JMJ…read moreFinancial made it possible,Ryan Hrisca was so kind & professional, walked us thru the entire process with such ease .He made us feel comfortable and was on hand to answer all of our questions, worked with us to make sure we were financed in time to obtain our dream home. Definitely would recommend them to anyone looking to buy a house! Thank you Ryan!

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.

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!

Alejandra was an absolute professional, she was very communicative from day 1, through out our…read moretransaction managing expectations and exceeding them, very proactive, and just an overall pleasant person to work with! Would love to do so again!

Alejandra is a true treasure. She will go above and beyond to get you the best deal and has the…read moremost personable personality you could ask for in an agent. She made my first home purchase a lot less stressful than it would've been without her. Trust me on this, if you need a realtor, go with Alejandra. Now that we are no longer client - client, she is now my lifelong friend!!