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    Valorem Lending

    4.4 (13 reviews)
    Open 8:00 am - 6:00 pm
    Updated 1 month ago

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    Services - Valorem Lending

    Mortgage services

    Mortgage refinancing

    Home purchase

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    Recommended Reviews - Valorem Lending

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    4 months ago

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    11 months ago

    Eric helped us through the whole process explaining every step, and he got us a great deal. Would recommend to anyone

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    1 year ago

    Angel Ku was very helpful and provided excellent customer service. Great place for refinancing your home.

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    1 year ago

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    8 months ago

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    Ask the Community - Valorem Lending

    Review Highlights - Valorem Lending

    Angel Ku was a great agent who answered all my questions and compared others pricing to either point out errors or better deals I could receive.

    Mentioned in 3 reviews

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    TheLender

    TheLender

    (13 reviews)

    I will be leaving a similar review on every site I possibly can, shout it from the hilltops, refer…read moreevery friend and family member I can, and forever be grateful for theLender! If you don't like reading, just skip to the last paragraph. theLender is NOT the best at answering "panicking" non- essential e-mails from rookie mortgage seekers, at least not with me. Wait, how can you start a 5 star review with a negative? Because I don't want potential clients to be turned off if that shows up in other reviews. The scenario: wife and I fell in love with a new "being built" home in Riverside County. Didn't really have much money in the bank, and a modest-at-best credit score... but I knew it would be a long escrow (house was just foundation when we went under contract) and had $$$ coming in over the next couple months.... So we signed... Had MANY lenders that I was working with. Online lenders, the builder's lender, basically everyone other than big banks who traditionally like 20% down and 800 credit scores. The "promises" that were made by these lenders initially during the pre-approval (yes, I was smart enough to do that first) began to change slightly every couple of weeks -- more money down, rate increases. As luck would have it, my identity was stolen during the escrow process. Poop show. Well to try and save our dream house and not lose our earnest money, I was looking at tens of thousands of dollars out of pocket (more than initially quoted), and a 7 1/4 interest rate that would basically break me, and max me out every month. As my love's dream home was slipping away, the builder's agent (love her!) suggested I call "Deb" at theLender. We're talking 31 days before closing... Like a freakin super hero out of nowhere, Deb and her team came in to save the day! They found me more incentives than the builder's lender did, and undercut the interest rate of every lender I ever spoke with by over a point and a half. They not only saved our home, but gave me a comfortable payment that I can handle. I can't thank or recommend them enough! So as far as the emails, when something needed to get done, they were on it!! Because they're so awesome, they were just too busy making our dream come true to entertain my daily panic! My team: Deb Stark Cheryl Amaral Denienne Leed

    Absolutely the worst company I have ever dealt with. From the beginning, the communication was…read moremisleading, unprofessional, and felt intentionally deceptive. Every step of the process came with hidden issues, unexpected fees, changing information, and constant runarounds. It honestly felt like they cared more about squeezing every dollar possible out of customers than actually helping people. The level of transparency was terrible. Promises were made and then suddenly changed at the last minute, creating unnecessary stress and confusion. Trying to get clear answers was nearly impossible because nobody seemed willing to take accountability. The entire experience felt dishonest and predatory. I would strongly recommend anyone considering working with this lender to read the fine print carefully and explore other options before signing anything. This was one of the most frustrating and disappointing business experiences I've ever had.

    Orange County's Credit Union - Lake Forest

    Orange County's Credit Union - Lake Forest

    (127 reviews)

    I had an outstanding experience at the Lake Forest branch of Orange County's Credit Union. From the…read moremoment I walked in, the staff was welcoming, professional, and genuinely helpful. I went there to open both a personal account and a business account, and the process could not have been smoother. Everything was clearly explained, and I never felt rushed or confused at any point. A special thank you to the branch manager, Anthony Tomassetti, who went above and beyond to make sure all my questions were answered and that everything was set up correctly. His professionalism and attention to detail really stood out. It's rare to find this level of customer service at a financial institution. I highly recommend the Lake Forest branch of Orange County's Credit Union to anyone looking for a stress-free and friendly banking experience.

    After Orange County Credit union changed their website, I am no longer able to Navigate the Site…read more After one month of them ignoring this I posted a poor yelp review that spiked their attention. They put me in touch with a fixer who assured me he would stay in contact and get this fixed. He did this for a week claiming their team was working on it. His last email was how I need my Mac book operating on at least OS 11. I informed him with a picture that I am operating on Tahoe OS 26 Then he said that this is not true! Saying I was below OS 11. Basically calling me and my computer a liar. Now I have not heard a peep from them. This is so unprofessional- Do Not Bank with these people . Especially if you have an up to date Mac book. They obviously do not know what they are doing and they are dealing with peoples money

    Transparent Mortgage - Beau H. - Owner - Mortgage Professional Since 2003 | Mortgage Lender San Diego

    Transparent Mortgage

    (169 reviews)

    Miramar

    Working with Beau has always been such a pleasure. He is an absolute wealth of knowledge for…read moremyself and my clients. He is fully transparent and does a wonderful job guiding my clients every step of the way. When I work with Beau, we always make it to close on a new home for my clients and it is a joy for all of them. He is a breath of fresh air and has become a friend along the way

    I didn't end up originating my mortgage through him, but I just had to come on here and say I…read moreHIGHLY recommend Drew Clemans for your mortgage origination needs. Throughout my entire home buying process Drew was generous with his time and expertise, literally every step of the way. His bio mentions that his approach is rooted in education, and that really came through in my experience. He took the time to make sure I understood what was happening and why, which made the whole process feel a lot less overwhelming. His advice was thoughtful and tailored to my situation, never generic or salesy. He knew I already had a lender but he was still willing to give him time and advice with no strings attached. He also connected me with a homeowners insurance agent who ended up getting me a much better policy than what I was originally planning to sign up for. That referral alone made a huge difference. Drew is the kind of person you want in your corner when you're navigating the home buying process. Knowledgeable, kind, and genuinely invested in helping people. I truly can't recommend him highly enough.

    Valorem Lending - mortgagelenders - Updated May 2026

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