Bryan was great to work with during the up and down process of purchasing a home as a first time…read morebuyer. Highly recommended!

I had previously worked with two other loan officers from two different companies prior to Bryan…read more Both times, my re-financing fell through, and for different reasons. Bryan was able to look into what went wrong and found out about the reason and patiently guided me through the process and eventually had my re-financing approved, when I was ready to give up. Bryan definitely showed that he works for the best interest for his client and unlike larger loan companies where the turn over rate is very high, Bryan makes sure all documents are well prepared by himself to make it easy for his clients. I really appreciate his work ethics and highly recommend his services.

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!

My wife and I just completed a very important loan with South Bay Equity Lending. This is a firm…read morethat puts the clients needs first and foremost and makes sure that the product selected for the client is exactly what the client needs. The staff is extremely knowledgeable , friendly, professional and always available for any questions. . The staff is guided by a strong sense of professional ethics. I would not want to work with anyone else. If I was not limited to five stars for a rating, I would certainly rate them as high as possible. My wife and I extend our sincerest thanks to everyone at South Bay Equity Lending.

Matt, Andy and the SBEL team were so great to work with - 10/10 would recommend. We needed lots of…read moreadvice to understand what we could afford, and then to move rather quickly on our loan, and they made it happen. We are in our dream home and are so grateful to SBEL!

This was my fourth loan process that I have gone through and I can't say enough how pleasant and…read moreeasy it was. My loan officer was Mike Jarvis and he checked every box for me with satisfaction. Anytime I wanted an update he replied within minutes, straightforward, and with no delays or excuses. I am in school and work full time so I was hesitant to start a refinance because it can be so hectic. This go around it was so smooth and straight forward. The fees were minimal and the rate was with market rates. It was a please to work with HomeLoans and I honestly would recommend to anyone I know. Also, let me add that I got the cutest closing gift!

May be a scam. I talked to one person and they requested a…read morecopy of my current mortgage statement and they said they would get back to me next day. A week passed and no response. I followed up again in 2 weeks and they said they call back shortly and they never did. Look elsewhere as even based on Google reviews there may be some shady things going on: https://www.google.com/maps/place/Ladera+Ranch+Home+Loans+DBA+Hometown+Loans/@33.6691919,-117.8554116,17z/data=!3m1!4b1!4m5!3m4!1s0x80dcdf0a5a134bad:0xad92618db5cc1109!8m2!3d33.6690455!4d-117.853383

John and Lily were the best people I've every worked with on a home mortgage! The communication,…read morecare and concern were Above and Beyond! Lily has the word HONEST under her email signature. She and John were ALL of this and more! Hardworking Obsessed with the client experience No loan left behind Excellence in Execution Servant Heart Teamwork

Outstanding Mortgage Advisor and team - Truly the Best in the Business!…read more Working with John Farrell and Lily Pena was one of the best decisions we made during our home-buying journey. From the very first conversation, it was clear that I was in expert hands. Their response time was nothing short of amazing--no matter the time of day or the complexity of the question, we always received a clear and timely reply. It made a potentially stressful process feel incredibly smooth and manageable. One of the things we appreciated most was how well they educated us throughout the entire process. They took the time to explain every detail in plain language, ensuring we felt informed and empowered to make the right decisions. We never once felt rushed or brushed off--just genuine support and expertise at every step. Their availability was also remarkable. Whether it was after hours or over the weekend, John and/ or Lily consistently went above and beyond to be accessible and responsive. It truly felt like we had dedicated partners who cared about our goals as much as we did. And last but certainly not least--their personalities! Friendly, professional, approachable, and calm under pressure. They brought a personal touch to the experience that made a huge difference. We always felt heard, respected, and confident that we were being looked after by people who genuinely care. We can't recommend John Farrell and Lily Pena highly enough. If you're looking for a mortgage advisor and team who are knowledgeable, responsive, reliable, and a joy to work with, look no further. These are the people you want on your team! Clients for life.

Steve Hill did a great job on my loan. This was the first time I worked with him.. He's always…read moreavailable, a nice guy and did a great job at clearly answering my questions about the confusing parts of the mortgage process. He also explained the possible loan options and the pros and cons of each. My transaction was a tough one since my income for the past couple of years was inconsistent, but he was able to work around that and use the strong parts of my profile to get my loan approved. The loan process is always nerve wracking but Steve was awesome at keeping the process calm and focused. I definitely plan on working with Steve in the future!

Bryan and Michelle are understanding, hard working, and step in to help when everyone else says no…read more They are very personable, easy to speak with, and very efficient at finding reasonable answers money issues. I strongly recommend them to help you!

I don't usually write reviews, but I felt like I needed to for this one. I just bought my first…read morehome at 27 and worked with Victor Santos at OnPoint Mortgage Pro, and the experience was outstanding. Victor was very easy to work with, always kept me updated, and explained everything clearly so I never felt lost in the process. He was transparent and honest every step of the way, and I could tell he truly cared about helping me make the best decision, not just about closing a deal. He even went out of his way to compare and compete with other lenders to get me the best rate possible, even when it wasn't necessarily to his own benefit. There were times when I had to rush things or speed up the process to make sure everything closed on time, and Victor worked tirelessly and diligently to make it happen. Even with a very small window, he kept everything moving smoothly, held me accountable when needed, and made sure nothing slipped through the cracks. That kind of dedication gave me a lot of confidence and peace of mind. What I really appreciated was his professionalism and the fact that his advice always felt genuine. I had full confidence that I was making the right decisions because of the way he guided me through the process. Working with Victor and OnPoint Mortgage Pro was a pleasure, and I'll absolutely be working with him again in the future. I highly recommend him to anyone looking for a lender who is communicative, transparent, and truly puts his clients first.

Victor was amazing and a pleasure to work with…read more He provided loan support prior, throughout and after escrow. Victor provided guidance when we were uncertain and would ensure he was available! Many people know that buying a home is VERY stressful, but having someone like Victor on your team makes the biggest difference! Thank you Victor!

I reached out to Mr. Dobbs after finding his web page through a Google search…read more My husband and I are self-employed small business owners and needed information about mortgages, as most lenders I spoke with were unsophisticated about self-employed tax returns. Dan, new to exactly how to approach the underwriting requirements, got us a great in and closed our loan quickly after we filed our 2025 tax return. He always picked up my calls after hours and answered all our questions. I am blessed to have found him. Honestly I didn't think we will be able to refinance but he made it happen. He deserves a 10

Dan Dobbs was great to work with for purchasing my first home. He walked me through every step of…read morethe process and was upfront about all the documents I would need, so I would not have to scramble for them at the last second. He is a great conversationalist, so you will not be bored throughout the home-buying experience, and he helps you feel at ease if you get stressed. Valued partner throughout this process.