We just completed our second deal via Seth and the TriStar team, and couldn't be more impressed. We had a super aggressive close (2 weeks from offer accept) - Seth, Ashley, and Alyssa were so responsive, helpful, extremely competent and - above all - CALM! If you're looking for local knowledge combined with great mortgage rates, I would unreservedly recommend TriStar. read more

Everything was smooth, methodical and professional. It's stressful, no matter what because you do your best to have a clean record but there always seems to be just one more thing to create more stress. Didn't feel that. Sent them all the info from various sources and the "application" came back filled out for me. I think i spent 90 minutes max. It does help to be tech savvy! Everything is electronic. The team is well coordinated and well run! read more

A truly expert team, headed up by Seth and assisted by Alyssa and Ashley. Tristar brought clarity, calmness and expediency to our transaction. The team met a tight deadline and at all times were proactive, courteous and professional. At every stage we felt well informed about next steps / challenges and they kept us on track for closing. We wouldn't hesitate to recommend this A+ team! read more

This is my husband and I's 3rd time working with Seth and his team, and needless to say, likely won't be our last! Seth is very responsive...he's always accessible by email or phone or even text message. He is very easy to work and thoroughly explains everything as you go through the lending process. His rates are very competitive and our properties have always closed on time despite various setbacks which he's always able to navigate. Would highly recommend Tristar Finance! read more

There's a raging debate as to which process is more tortuous. Re-fi or home purchase. The choice is to either invest heavily in booze, pre-pay a therapist and divorce attorney and buy a forehead pad for the inevitable head banging.... -OR- Hire Seth and his team at Tristar Financial. They have Mother Teresa-like patience, excellent and prompt communication tuned to the understanding of non-financial clients, Mrs. Incredible-like flexibility and could write the book on under-promising and over-delivering. Unreservedly recommended... read more

I contacted Seth for refinancing and i had a pretty good experience with TriStar. I told him my requirements and he came back with the best offer and I didn't have to negotiate for it. I referred few of my other friends and they also got the good rates. One thing which I think can be improved is proactive communication for each stage of the loan during the process. My loan was closed on time without any extra fee or issues. read more

These guys made my closing possible in less than 2 weeks after sharing that rate. Some of my closing time was wasted by the previous lender's appraiser and these guys tie up with good appraisers as well - who got back in time. I can say one thing - these guys stick to their word. And I absolutely love their signing software - it's very well organized. I'll be coming back for sure! Feel free to reach out to me if you guys have any questions about them. They were able to beat the best rate I had after comparing with 5 other lenders (Better, Redfin Mortgage, HomeBridge, Bank of America, Quicken Loans)! Seth and Patrick are the best lenders in town hands down. read more

Seth Raddue and Patrick J. Davis from TriStar Finance have helped my family live THE AMERICAN DREAM. Back in 2017 Seth was the only one that was able to help clean my parents' credit and approve them for a loan when all the big banks denied them. Shortly after Patrick along with Seth helped me close on a condominium on the East Side without any issues. Anytime I encountered a road block the TriStar Finance team made sure that it was taken care of immediately. In 2020 when interest rates dropped I contacted Tristar Finance and Ashley did an outstanding job helping me and my parents refinance our properties. Patrick and Seth overlooked the refinance process of our properties and made sure we got the best rate at the best price. Ashley of Tristar Finance was easily reached by phone and answered any questions that we had. Fast forward to 2022 and the TriStar Team has done it again! This time around Seth Raddue and Patrick J. Davis helped me close on a NEW CONSTRUCTION HOME. They were able to present me with a VERY LOW RATE in the current market of raising interest rates. Tristar team members Brittany and Shay were EXTREMELY helpful during the whole closing process. They were very clear about Loan Terms and Conditions. They were very patient and explained every line in detail. Anytime I had questions about the loan or paperwork needed - they were very responsive and answered in less than 24 hours. Ashley, Brittany, and Brittany reached out to me many times and helped me cruise smoothly through the whole process. Seth Raddue and Patrick J. Davis were a true pleasure to work with. Their honest transparency about loan terms, ability to communicate fast and efficiently, and ability to beat all major banks in providing lowest interest rates is what made me a lifetime customer. TriStar Finance changed my family tree. - Max read more

My husband, David, and I have been "serial" refinancers with Seth and team at TriStar over the years and highly recommend their service, professionalism and customer advocacy. We've used the equity in our home to purchase income-generating properties so that we are now able to be self-employed. In a word TriStar is terrific! Leslie, Seattle read more

Quick to close loans and willing to renegotiate rates if you are not too deep in the process. Would highly recommend them for their competitive prices read more

My husband and I refinanced our home loan in July. Marcos helped us secure better rate terms for our home loan and the whole team provided ongoing support during this process! Jill specifically helped calm any anxiety that we had by being so calm, patient, and responsive to our needs and concerns. Everything turned out great and the team was able to close our loan as planned. read more

Would not use them again, our fees kept going up and they kept missing deadlines, so the whole process took months longer than expected and we paid much more in fees than was originally agreed upon read more

If I could give them negative stars I would . 1) They showed that they payed off my old load with a higher amount than they actually did thus i had to chase them for a refund of a large amount for the next 2 weeks. 2) There was no one person who knew about the loan, thus I got a new story every time I contacted them 3) The has to extended closing without telling us and then made us hurry because of their delays. read more

Seth is great - And Marcos! Super knowledgeable and very smart folks. You're in good hands w them!

Awesome service, very responsive team. Seth and team helped closing my investment property on time.

Seth and his team by far exceeded any expectations I had in a lender. I closed two loans with TriStar Finance. First, I closed a conventional loan with the refinance of my existing home. He and his team worked extremely hard and we closed in just over two weeks! Military friends- Seth is a VA loan expert! He knows the inner workings of the mortgage process system so well that he was able to find the best solution for our family. In previous mortgage transactions with major banks, I never got the attention to detail with 100% dedication that Seth and his team gave us. Throughout the home buying process, he was quick to get back to us, even on the weekends and late in the evening. He would respond right away to any question I had. Seth's a bulldog anyone would want in their corner. When we ran into a few snags he fought for us, and with us, every step of the way. I couldn't have asked for a better lender. Thank you Seth, Alicia, and the rest of the TriStar team! read more

Seth and his team at TriStar Finance are great! Last year he was able to get me into my first home. He was quick to respond to all my questions and concerns. The process with TriStar Finance was quick and easy. I have heard for years that buying a home is one of the most stressful experiences anyone can possibly go through. My home buying process with Seth was nothing but the opposite of that. I am currently having TriStar refinance my home because the first experience I had was so good. To the people giving one star reviews for TriStar all I can say is that you must not have done your due diligence before attempting to purchase a home. My thought is that you probably couldn't finance a cardboard box in a damp corner next to the Fremont Troll. I say take your poor preparation and go be salty elsewhere. TriStar Finance is great! I would and have recommended them to my friends. Thank you! read more

Great experience from loan origination to disbursement

TriStar gave us the best rate of any place I checked. They responded extremely quickly, even when I had urgent requests at atypical times. We were able to get estimates for multiple properties within hours of requesting them, and had multiple points of contact within the company in case one wasn't available. Even our listing agent was surprised with the rate we were able to get from TriStar, and we were able to close a week early. Highly recommended! read more

I bought a home in May. I used the mortgage broker my real-estate agent recommended and that I had used before with him to make sure I got my financing in place which in this market is crucial. My rate seemed high but wanted to be able to put in an offer. After 6 months you can refinance so I checked into it. I found Tristar on Bankrate/Zillow and since they had the best rate and were local, I gave them a shot. I've refinanced and secured home equity loans in the past. I found Tristar Finance to be the best experience I've had so far. I lowered my rate over a half a point and the service was top notch. Communication was excellent. Seth answered his phone every time I called and answered every question. Great rate, great service, and we closed quickly. I will recommend to family and friends. read more

We had a very horrible experience with Tristar, most specifically with Seth C. Raddue. As a former employee of Bank of America Home Loans, I was well versed in the requirements, timelines, and laws surrounding the mortgage refi process. From the start Tristar would miss deadlines, such as sending out disclosures in the required timeline, failed to lock our rate when requested, cancelled our loan, then continued to send us emails to complete various tasks even months after it was cancelled. For example, our loan was cancelled on 3/30/20, and on 4/13/20 we received an email to sign some documents. When I told the person our loan was cancelled, they argued with me and said it was not and it was in line for underwriting! Then, 6/19/20, nearly 3 months after it was cancelled, we received an email from a title company to complete tasks before our closing! I was shocked a company could be so unorganized and careless. I responded to them and the mortgage team at Tristar expressing my extreme frustration that they were so careless with my personal private information and my mortgage information, and requested an explanation so I could ensure my information was not compromised. The title team promptly explained and apologized, which was nice. Seth Raddue, with Tristar however took a different approach, he responded to my email calling me "angry" and "aggressive", and somewhat mocked my frustration and related it to the current pandemic. He then sent me 2 more angry emails, referencing my neighborhood and block, and noting he knows where I live, almost with a threatening tone. He had zero compassion or understanding for the mistake his company made with my private information. I have never worked with anyone who has such little understanding of basic customer service. read more

The same thing happened to me. I was told about the phone but I thought they are a little busy. Don't even start with them. I very disappointed with their Ignorance. I spent my time for this agent . Please look other place. Eventually I got loan some were with in three day. No no no read more

Seth and team went above and beyond to help us get an affordable loan when we feared that with our financial situation, we would not be able to get the house we loved. read more

Marcos with Tristar was such a wonderful person to work with. He was always so responsive and willing to help, even after regular office hours. He made the process of refinancing so easy and smooth by providing helpful explanations and keeping us updated on all of the steps along the way. I would highly recommend him and would work with Tristar again in the future. read more

Dealing with TriStar was one of the worst experiences possible. Their owner - Seth Raddue and COO, Patrick Davis, treated me like an idiot - easy prey for their bait-and-switch scam. They offered me a good interest rate and minimal fees, and at the last minute, 4 days before my loan was set to close - they changed the loan entirely and added a lot more fees. They discouraged me from contacting any other lenders, by telling me that other lenders would not be able to offer me the same rate and low fees and stated that because my credit score was just below 700, my file was considered "difficult" and even though I was putting 20% down, I would be hard pressed to get a better deal. Before I started dealing with Tristar, I had already been pre-approved by 3 other lenders. I contacted Seth through a recommendation by my real estate agent. At first, Seth seemed genuinely interested in getting me the best rate and in helping me boost my credit. The pre-approval he sent offered me a lower interest rate than the other 3 lenders I had originally gone to, so given that and the initial promising conversation I had with Seth, I felt confident in choosing TriStar as my lender. As the loan process started progressing, my father (who was helping me throughout the process) and I, began having some apprehensions about TriStar. The team was unorganized and frequently asked for documents I had already provided. The process was stress-inducing and frustrating and when my dad spoke with Seth, Seth was rude and unprofessional over the phone. My dad told me that Seth had to have been drunk given the level of disrespect with which he spoke. Unfortunately, their conversation took place with just 5 days before closing, so I felt like we had no other choice than to stick with him. We submitted all of the documents necessary to fulfill the numerous conditions and it finally looked like we were set to close. I was sent a Closing Disclosure, which I signed, and was told that the closing date would be pushed back to March 7th, but we were good to go. I was overjoyed at the prospect of being done with everything when, on March 2nd, I received a new list of conditions, one of which was impossible to fulfill. I was incredibly frustrated by this and expressed my frustration, to which Patrick told me "this is the way the loan process works" but he would try to come up with a way to make the loan work. That evening, Seth called and let me know that he found a solution and would send me a new closing disclosure. On March 3rd, I received the new closing disclosure and found out that his solution was to use a different funding program, which would amount to an additional $1904 due from me at closing. With 4 days left until my loan was set to close, I was fed up. The new conditions could easily have been avoided had the team at Tristar been proactive about considering all possible obstacles. I emailed Seth and Patrick and told them that I no longer wanted to work with them and would find a different way to finance my purchase. To which Seth Raddue responded with: " Zoya I have tried to call you multiple times through out this process especially in the past week to proactively resolve YOUR debt to income ratio issues. They aren't my issues. You never once called me back. The issue thay prevented us from making any determination sooner was that you and your father (who is a world class jerk and treated me like absolute garbage earlier this week over the phone when I called him to get what we needed regarding his assets but he knew FAR better than me...) weren't proactive in getting us all of of the documents necessary to fully underwrite your loan and then you act like we are at fault You will both learn the hard way because your father is an ignorant person and mortgage Rates are far higher now than when we locked your loan" I kept Seth's grammar and punctuation as it was in the email so you can judge the level of professionalism. Throughout the process of working with TriStar, I was shocked at how unprofessional Seth Raddue was. From our initial conversation, I expected much more from him and was disappointed at the turn of events and the manner with which Seth and his team treated my father and I. I would absolutely never refer anyone to TriStar Finance. read more

I had received mortgage quotes from several different banks before my friend recommended that call Seth at Tristar Finance. I couldn't be happier at the result. My monthly payment ended up being over $300 cheaper than every other place I called. Alisha, who we dealt with mostly, worked hard to make sure that everything closed on time and without any hiccups. I would not hesitate to recommend Tristar to my friends and family if they are looking for the best possible mortgage deal. read more

we had a great experience on our home refinancing with Sebastian Mejia and his team, highly recommend them. we greatly appreciate it.

I Do not recommend using this company or the Loan officer Seth at all. Sent Seth an online loan application as instructed. Sent him over 6 months of documentation from several accounts per his instructions and check list. Never, NOT ONCE, did he return an email, phone call or make any attempt to follow through, follow up, or give any notice of anything at all. Sure is a lot of private information to provide to someone without getting any sort of response. Terrible customer service from a terrible Loan Officer. read more

Seth and his team were totally awesome, helped me buy my first house and navigate through the loan process with ease and speed. We also got a rate better than BECU, WOW!! This company stands out as true financial professionals in what appears to be a very complicated process overall. Thank You!!! read more

First and foremost these guys don't know how to talk to first time home buyers. Response is slow or you wont receive a call back until the last minute and when you do receive, you will have to agree to whatever is asked for without being questioned and the responses will be everyone else won't look at the way we look etc. Honestly, word of caution for first timers. You wont get responses or followup's in the right way. Terrible customer service! Even if we forget customer service, personal information is at stake with someone you don't know, that's a big thing to regret about! read more

I had a complicated mortgage and Seth handeled it all the way to the end. I was changing states, and Seth was able to handle the the complexcities of mortgages in two differrnt states, as well as work to a get a low interest rate. read more

Good quick service, closed my loan ahead of time, with minimal stress, and a low interest rate (much lower than all my friends who refinanced at the same time) and with points being paid. read more

Not recommended. They just about lost us our house through multiple (very avoidable) mistakes, and only got things done on the literal very last day of the offer contract. They also cost us extra money to close, and changed the deal at the last minute, knowing we had no option but to accept if we still wanted the house. I'm not sure if it was intentional or just incompetence, but either way, stay far away from these people. read more