Nathan and his team are awesome. They all are professional, and do a fantastic job in getting the…read moreloan done quickly and stress free. Thank you all very much. You guys rock! Stacy Montalvo RN,

Doing business with Nathaniel with Zoom loans a total success again! He is fast, accurate,…read moreknowledgeable and professional. This time around I was in a bind - we closed my loan in 10 days! Yes 10 days! Well I started my loan months ago but decided to pause it - but again I found myself in a difficult situation and called him and in 10 days my loan was closed. I would highly recommend Nathaniel for all your home loans - oh and he answered the million questions I had even though I closed so many loans with him - quickly and accurately! Thanks for all your help Nathaniel- again! Wishing you continued success!

We highly recommend Leticia! From the very beginning, she gave our family confidence by assuring us…read moreshe would guide us through every step of the process, and she truly did. Her ability to communicate fluently in both English and Spanish was invaluable. She took the time to translate and made sure everyone in our family understood what was happening, answered all of our questions, and kept us informed throughout the entire process. Buying and selling a home can be stressful, but Leticia made everything much easier with her knowledge, professionalism, and genuine care. She always had our family's best interests at heart, and we are so grateful for her support. We highly recommend Leticia! ¡Recomendamos ampliamente a Leticia! Desde el principio nos dio la confianza de que nos guiaría en cada paso del proceso, y así fue. Su habilidad para comunicarse con fluidez en inglés y español fue invaluable. Tomo el tiempo para traducir y siempre se aseguró de que toda nuestra familia entendiera lo que estaba sucediendo, respondió nuestras preguntas y nos mantuvo informados durante todo el proceso. Comprar o vender una casa puede ser estresante, pero Leticia hizo que todo fuera mucho más fácil gracias a su experiencia, profesionalismo y dedicación. Siempre tuvo los mejores intereses de nuestra familia en mente. Recomendamos con toda confianza a Leticia!

First time home buyer here and Megan was exactly who I needed to make it happen. After doing some…read moreresearch on my own I found the whole home buying process a bit overwhelming. My living situation at the time had become untenable and I really needed this ASAP. At the same time, however, I have a stressful job and adding more stress to my dwindling free time was an agonizing concept. I'm mid forties now and find myself, more and more, growing weary of the world. So naturally, I'd been dragging my feet for months when a friend, somewhat forcefully, referred me to Megan. Still, I managed to procrastinate a few weeks more before being strong-armed into finally reaching out. My only regret, and I don't say this lightly, is not reaching out sooner. Once Megan was at the helm all the chaos in my head became a streamlined process that saw me living in my very own home, start to finish, just over two months later. It could have been even sooner had it not been for my own indecisiveness. Megan's wealth of knowledge and experience, her many connections within the industry, as well as her patience, attentiveness, and empathy were invaluable throughout the process; the latter traits being key for me. From the get go it is apparent that Megan is enthusiastic and motivated while I am, well... not so much. In fact, for me enthusiasm adds to what is already a stressful situation by my perception. The fact that Megan so quickly brought herself down to my level and matched my pace speaks volumes about her awareness and compassion. So if you're excited about the process she undoubtedly will be too, but if you're struggling with the idea of adding a life altering and lengthy process to your already chaotic life, rest assured, she is still the right choice and will see you through. Megan's knowledge and connections proved pivotal as well. She had an answer to every question and prepared me well in advance for all contingencies. Before I found Megan, I had begun seeking pre-approvals through a couple mortgage lenders I thought were good picks. Turns out I had much to learn. Through one of her many contacts I was immediately presented with a substantially better offer by way of a grant. Then, after jumping through the hoops of obtaining a fully underwritten pre-approval, once I saw the final numbers on paper I realized my priorities were skewed and I really needed a lower interest rate over grant money. A rate this lender couldn't provide. With zero frustration or hesitation Megan was ready with another lender that fit my needs. I say 'zero frustration,' but I'd be surprised if there was none. Anyone would be frustrated at a client upending a weeks long process to start at square one. All I noticed was an eagerness to solve the problem. As an aside, that new lender was perfect. Not only did I receive a rate so good the previous lender was a little surprised, Alicia, the new lender was again just a perfect fit for me on a human level. Megan knows good people. Not surprising. When all was said and done and I met Megan at my new home to be handed the keys to my new life, she offered congratulations and words of encouragement in a way that befit my outlook of relief over excitement. Once inside I discovered a thoughtfully arranged array of welcoming gifts. I had previously mentioned how I was a bit of a neat freak and was looking forward to having my own kitchen; that after a long period of costly meal prep services, I'd finally being able to cook again. There were spices and olive oil, various cooking utensils, a cookbook along with cleaning supplies, and even snacks. All things that truly eased my transition as I began shifting my life into new quarters. Such a thoughtful gift from such a considerate person. I feel so much gratitude for my friend who referred me to Megan, for those Megan referred me to, and most of all, for Megan being the professional, compassionate, diligent, and caring human being that she is. Thank you.

The worst experience possible. Where do I even start. I…read moreguess plain and simple, Ana doesn't know much about home loans. First Ana was giving us incredibly inaccurate expectations of loans we could use. She didn't know that loans were different based on a stick built home vs a manufactured home. This is huge change of interest rate from what she has originally quoted us. Next as rates were climbing rapidly, after several percent increases, Ana asked us if we would like to lock in the interest rate. Where is the common sense and common decency? Integrity? She clearly doesn't care about her customers. We found the home. Made the offer. Got accepted. In contact. Our interest rate we locked in at was feeling good but tight. A week before closing Ana realized a huge detail SHE overlooked. We didn't actually qualify for the loan she had us ready to sign. This was after several docusigns had been signed and thousands off dollars had gone into contract. Now we either lose our down payment or are forced into a loan with a higher interest rate by a whole percent more! Ana doesn't know simple math. She tried telling us several times that this monumental mistake she made would only cause a $30 change over the life of the loan it's over $210 per month price difference. I spoke with John the manager and he was nice enough but no help. It's insane to me that a company like this even exists. How can they put their customers in the position of losing so much by mistakes made by their employees and have zero accountability? Save yourself a ton of time, money and headache and go elsewhere.

USE SOMEONE ELSE! We…read moredecided to use them (we were the buyers) because the seller was offering a credit if we did. In the end..it was NOT worth it. Bad communication, seemed as if every corner they were trying to force hidden charges to the buyer. BAD experience, lack of communication within their team and the seller...felt like they were only trying to make a buck at our expense (elderly on fixed income) Even the inspectors, repair cos. involved were frustrated with them. So glad we are done with them.

The timing was wonderful, the representative was knowledgeable, professional, and extremely…read moreexperienced in the field that she was assisting me with. She showed me things about my credit. I never knew or understood, she help me understand how to get to the next three levels, and I was very important for my new business. I simply appreciate Monica, for all she did to assist me with my business venture.

Monica honestly is AMAZING! She was super helpful throughout the whole loan process! She made sure…read morei was comfortable along the way

Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

Sometimes, when you see reviews on Yelp and most or all of them are 5 stars, you wonder if someone…read morepaid all their friends and relatives to write reviews, LOL. In this case no need for doubts, Chris deserves all of the 5 star reviews. He made the whole process as painless as possible and was super responsive when any questions or issues came up. Highly recommended!

We just worked with Charles and Alyssa and I couldn't have asked for a better experience. They were…read moreabsolutely awesome. Helped us and answered all of our questions. Very knowledgeable and the desire to help others is a high priority for Charles. Thank you Alyssa as well for all of your help. You guys rock!!

I was working with another mortage company in town and they were very slow almost seem like they…read moredidnt think i was serious about buying a home. I was referred to Charles at Academy Mortage by my realtor and thanks to Charles and his crew i now have my own Home.

My wife and I were first time buyers. Michele is really great at making you comfortable throughout…read morethe home buying process. She was always easy to get in touch with. Never once did Michele push us in the direction of any one house. She is very knowledgeable of the San Joaquin co. area and presented us with so many options based on our preferences. In the end she helped us secure our dream home! If you're thinking of buying in San Joaquin co., Michele is the right person to call.

Michele is an amazing realtor. She is punctual, realistic, reliable and so much more. She handled…read moremultiple home transactions from selling to buying. She always followed through quickly and kept me in the loop every step of the way. She is highly recommended. Thank you again Michele for all you have done you are the best. She truly values her clients.

I was referred to Alex by my Real Estate Agent back in 2008 when I was looking to buy my first home…read morein the Tracy area. Previously I had a very bad experience with a mortgage broker in the San Diego area so I was very hesitant to trust any of them ever again. I must say though, I was very pleased with how professional, yet personable, he was. He took the time to answer any questions we had and did a pretty good job of staying in contact with us throughout the process. A year later we refinanced our home through him as well and he once again Alex did a great job explaining the choices we had and what the resulting outcome would mean. I am completely satisfied with my loan and with Alex's service. Recently I referred some friends to Alex for their first home purchase ever and they too say that they had a very good experience with him. I would gladly recommend any of my family or friends to Alex.

This place doesn't know what they're doing. Sarcastically, you are better off doing your own…read moremortgage than this place. No commitment, no manners, no consistency. Hire people that want to do their job and take priority in doing business. The manager has failed miserably. Go get an education or I'll happily buy you some books "business for dummies".