El Cajon Mortgage Brokering Articles

Sample Reviews

F

Rating
The 2nd installment of my property taxes were not paid out of our escrow account from
El Cajon Mortgage Brokers Provider Name Locked
Servicing. We call them to inquire about the payment. Customer service says its the tax department and tax department blames customer service. 2 hours later I was told they will look into the situation. A few days go by with no call back. We call to find out what has been done. We are told in order to have them pay our property taxes out of our escrow account we needed to send them the tax bill and they would send out the payment. That was over a month ago. We received a letter in the mail today telling us that a tax
El Cajon Mortgage Brokers Provider Name Locked
has been placed on my house due to unpaid property taxes. We call up
El Cajon Mortgage Brokers Provider Name Locked
servicing and they tell us the "check is in the mail". The next kicker is that they say our escrow account will be charged the penalties and our escrow payment will be adjusted to make up for the additional costs. I can dispute this but only in writing and they will get back to me. I asked for a supervisor and the lady tells us "he is only going to tell you the same thing". We then say "well get me his supervisor". She says, "He will just hand the phone to one of us to say the same thing" WHAT A JOKE THIS COMPANY IS!
- Richard Y.
A

Rating
"The initial pre-approval process started with my parents and they didn't qualify due to the deductions my father had in his self-employed business.
El Cajon Mortgage Brokers Provider Name Locked
suggested including me in the loan since we live in the same house and I have a full time Job. There were some other complications as well so
El Cajon Mortgage Brokers Provider Name Locked
submitted our loan to two different lenders, one followed the
El Cajon Mortgage Brokers Provider Name Locked
guidelines and the other
El Cajon Mortgage Brokers Provider Name Locked
. This meant double the amount of work for
El Cajon Mortgage Brokers Provider Name Locked
and he didn't mind. Instead, he worked with two lenders simultaneously until we determined which option would be best for our situation. In this home mortgage environment, it's nice to have a knowledgeable mortgage expert on your side who can get things done smoothly and is available for you"
- Andres G.
F

Rating
If you go with
El Cajon Mortgage Brokers Provider Name Locked
, I hope you have a great attorney on your side like I did. I chose them because they are a local company, seemed responsive and matched the best rate I found. However, they were unhelpful, incompetent and useless. I understand that mortgage regulations have tightened up since the bubble burst so I was expecting a thorough examination of my finances. I carefully put together a large package of the documentation they requested and returned it to them well before their deadline. In a pattern that Commonwealth repeated numerous times, they took a while to get back to me, then asked me for more supporting information. Their requests were very unclear though. For instance, "Provide proof of source of income in Such&Such account". There was never any clear guidance on HOW to prove their requests, even when I asked direct questions about what they needed. In one case, I had to ask the same question three times before it was even addressed.
Over the next 6 weeks before my closing, I quickly responded with all the documentation they requested but they kept asking for more. In the week before my closing, we still didn't have a guarantee of funds and continued to get requests for new documentation. We were supposed to close on Monday in the middle of the month (a slow time for mortgage companies). We were still receiving requests from Commonwealth for documentation at 2pm that Friday afternoon forcing me to leave work to go to a local bank branch to get a statement printed. It ended up not meeting their undefined standards so I printed off the online version even though they'd previously said that was unacceptable. This time it was OK for some reason. Around 3pm, we finally got the news that we were approved but my attorney didn't receive the binder required to create the HUD-1 statement until after the close of business. We were forced to delay the time of the closing until the last possible time on Monday that we could file the
El Cajon Mortgage Brokers Provider Name Locked
.
On the day of closing, we met the attorneys at the Registry of
El Cajon Mortgage Brokers Provider Name Locked
to sign the papers. My attorney was told on the way to the Registry that the funds would be in her escrow account by the time we were done signing the papers. Her assistant checked in with
El Cajon Mortgage Brokers Provider Name Locked
repeatedly over the next hour but the funds never arrived! Thank Goodness I didn't use their in-house attorney for the closing! My attorney called them several more times that day and the next morning since they were in breach of contract. Finally, around 11am the day AFTER our closing, the funds arrived. Luckily, our seller did not need the money immediately for another closing but had they not been so flexible, I would have lost my 20% deposit and the option to buy our new home! Commonwealth took NO responsibility for the issue and seemed unconcerned about the problem, blaming it on a miscommunication. My attorney may be referring them to the Attorney General for this breach of contract.
Unfortunately, the pain didn't end there. A few weeks later, I got another request from Commonwealth for additional information so they could sell my mortgage. They essentially wanted me to sign a document saying that I had the authority to use a business account for personal purposes since some of my deposit had gone through the account. Aside from being a lie, I had no interest in further assisting them and declined to provide it. When they finally sold the loan, they sent a form letter to notify me of the sale. It was confusing and had incorrect data on it indicating that I did not have to make my 2nd payment. When they didn't receive that payment, they started emailing and calling me to resolve it. Luckily, I had ignored their letter and sent the payment to the new servicer. However, I had to provide Commonwealth with additional information to prove this so they could collect it.
Throughout the entire process, the only way Commonwealth exceeded my expectations was in the amount of pain that can be inflicted while applying for a mortgage.
- Jesse M.
A

Rating
It was a tough move for our family but
El Cajon Mortgage Brokers Provider Name Locked
went above and beyond in providing support and information. We highly recommend
El Cajon Mortgage Brokers Provider Name Locked
and his group at Mortgage Masters!
- Tricia M.
A

Rating
I have obtained several home loans in the past, and the experience of getting this loan was definitely the most efficient and pleasant experiences. I was apprehensive about applying for a mortgage online and not using my personal bank, but I did a
El Cajon Mortgage Brokers Provider Name Locked
on Angie's List and found
El Cajon Mortgage Brokers Provider Name Locked
's name and read the reviews. I decided to try this route, and I could not have been more pleased. I was kept informed of each step the entire process. They are well organized and everything was transparent. It was extremely easy to communicate with his entire team, and they were all very prompt in returning e-mails or phone calls. His entire team was so efficient! It was a very short process, too. I got a pre-approval letter and closed on the home in less than 2 months!
I would highly recommend them to any of my friends and family...and would definitely use them again in the future.
- Tina M.
A

Rating
We shopped around for a mortgage for a condo. We used Prime as one of three mortgage companies we got quotes from, but initially decided on another bank, although Prime was always responsive and helpful. The bank we chose at the last moment decided they wouldn't fund us because of an issue with the
El Cajon Mortgage Brokers Provider Name Locked
's budget. So, I went back to Prime. They were happy to have our business and didn't seem to feel snubbed that they were our second choice. They worked with me to get the information they needed and always had excellent communication with both me and other entities that were necessary in the process. They showed up to the closing on time and released the funds in a timely manner.
I wouldn't hesitate to use Prime again. I wouldn't hesitate to recommend Prime to anyone, but especially if knew somebody was buying a condo as condo's can be trickier to finance than houses.
- Kevin D.
A

Rating
I worked with
El Cajon Mortgage Brokers Provider Name Locked
and had a good experience with my refinance. Refinancing is always full of questions and he patiently answered all of them for me and helped me make the right decisions for our mortgage moving forward. We were able to refinance out of our FHA into a conventional loan, which, along with a drop in our initial rate, is saving us approximately $400 / month now.
Our timeline slipped a few times and I had to
El Cajon Mortgage Brokers Provider Name Locked
a few times for updates after immediately providing any materials asked for, but I was never placed on "terminal hold" or told I would be contacted and I wasn't. If I asked a question I pretty quickly got a direct response and I was never misinformed or lied to. I would gladly do business with these folks again!
- Deric H.
A

Rating
El Cajon Mortgage Brokers Provider Name Locked
was an absolute pleasure to work with all throughout the home buying / financing process - a clear professional, he was on the ball every step of the way.
I cannot say enough about his responsiveness either. We were buying the home while still living in a different state (with a three hour time difference), and I could always count on hearing back on my emails in a timely manner, which was not only reassuring but also necessary to avoid delays in the whole process. Getting physical documents back and forth could have been painful, but
El Cajon Mortgage Brokers Provider Name Locked
took care of it all (even setting up an appointment with a mobile notary to come to our home for signing).
I had a lot of questions as a first-time-buyer and I felt that he went out of his way to explain the process and answer my questions, all while never making me feel dumb.
Buying the home was stressful enough, so it was great that I never felt that I had to worry about the mortgage broker / financing end of things. I always felt that
El Cajon Mortgage Brokers Provider Name Locked
was as concerned about making sure that everything was proceeding smoothly as we were. We closed on time and I know for sure that
El Cajon Mortgage Brokers Provider Name Locked
hustled to make sure that happened.
If we ever buy another home here, I will certainly be calling
El Cajon Mortgage Brokers Provider Name Locked
again.


- Cynthia H.
D

Rating
We applied for a mortgage with
El Cajon Mortgage Brokers Provider Name Locked
online. We chose them because we thought that working online would be easier than traveling to a bank and the rates were lower by 0.25%. We worked with a loan officer by phone and email. The process went smoothly at first, then we started to be contacted by a loan processor as well as the loan officer. They did not seem to be communicating with each other because they were each asking us for documents that we had sent the other (mostly tax return information). After we submitted and signed all of the standard documents, the underwriters started asking us for items that we found very strange or that were difficult to obtain. My husband owns a safety consulting company with two other people. He travels around 3 states and works from home.
El Cajon Mortgage Brokers Provider Name Locked
required a letter from him explaining how he could work in our hometown yet own a company with an address in a city 3 hours from us. Then, days later, they asked for a letter from his CPA stating that the company was "in good standing." This is not within the purview of a CPA and is a vague description. My husband was in dispute with a collections agency over a $250 utility bill and it was reflected on his credit report.
El Cajon Mortgage Brokers Provider Name Locked
required him to call the credit bureau and remove the dispute. I had been previously married and the mortgage with my ex-husband was still on my credit report. It had never been late.
El Cajon Mortgage Brokers Provider Name Locked
required a copy of the property settlement I made with my ex-husband, which I found very invasive, since our state does not require that we file such a document with the court. All I had was an email that he sent me listing our assets and who would get them and
El Cajon Mortgage Brokers Provider Name Locked
wanted that email. During this time, the loan officer was repeatedly asking for our 2011 tax returns, which we had sent him...twice. We finally figured out from the loan processor that he meant the tax return transcript--a completely different document that must be obtained directly from the IRS. After the home inspection, we agreed with the seller to accept $5000 at closing in
El Cajon Mortgage Brokers Provider Name Locked
of repairs to the windows and tile floor in the bathroom. We sent a pdf of the Response to Inspection document to the closing attorney and the loan officer, since the Response to Inspection is a legal addendum to the Purchase Agreement. We asked the loan officer if it was going to be a problem because the closing attorney warned us that mortgage companies don't like the word "repair" appearing on any legal documents. The loan officer said he didn't need that document, since the home inspection is just for our use. However, when the day of closing came, and the $5000 repair credit appeared on the HUD-1 from the attorney, the loan processor refused to fund the loan. The loan officer stated in an email that he knew nothing about this repair. Obviously, he never opened the Response to Home Inspection that we sent, even when we questioned him about it. This lack of attention to detail and constant requests by the underwriters for documents that were difficult to obtain resulted in us delaying our closing by two weeks. We almost lost the house because the sellers, who were using FSBO, were moving out of state and were ready to turn everything over to an agent and start over if necessary. Even after complying with all of
El Cajon Mortgage Brokers Provider Name Locked
's requests, we still didn't have a firm closing date on the attorney's schedule. We ended up threatening to drop the whole thing in favor of paying for the house out of our savings. That finally got a response from
El Cajon Mortgage Brokers Provider Name Locked
and we were able to close the day before the seller moved. The mortgage process is stressful. However, my husband and I have good credit scores, total debt under $10,000, considerable savings, and combined earnings over $150,000 annually. We were buying a house appraised near $400,000. We expected the mortgage process to be straightforward at least. But, we felt like we were being treated with suspicion instead of like customers. I used to be in the real estate business, and have closed a dozen purchases, at a time when my assets and credit were not as good as they are now. This was the most difficult process of them all.

- Christine R.
A

Rating
Due to my work schedule, I needed to close as quickly as possible.
El Cajon Mortgage Brokers Provider Name Locked
truly went above and beyond to help us make this happen, I was really amazed. I would absolutely use this company again, and have already recommended them to my friends.
- Sam M.
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All Mortgage Brokers in El Cajon, CA

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings, Join Angie's List Now!

1st Carlsbad Mortgage

7046 Heron Cir
Carlsbad, CA

99LENDERS.com

2210 E Vista Way
Vista, CA

A & M PROCESSING

2700 Navajo Rd
El Cajon, CA

ACCESS MORTGAGE

3570 Rancho Road
Redding, CA

Advantage Funding

31 Martha Rd
Orinda, CA

AFLAH REALTY

4045 Bonita Road
Bonita, CA

ALLIED CAPITAL MORTGAGE INC

8222 VICKERS
El Cajon, CA

America One Mortgage Group

1991 Village Park Way
Encinitas, CA

AMERICA'S FINEST CITY MORTGAGE

512 Via De La Valle
Solana Beach, CA

AMERICAN FEDERAL MORTGAGE CORP

1 LAUREL DR
Flanders, NJ

American Pacific Mortgage

12600 Hesperia Rd Ste B
Victorville, CA

AmeriFirst Financial Inc

12544 High Bluff Dr Ste 100
San Diego, CA

AMERIFUND FINANCIAL INC

9952 DOLORES ST
Spring Valley, CA

APPLETON REALTY & FINANCE

5022 Bluff Pl
El Cajon, CA

Aurora Financial

8150 Leesburg Pike. Suite 410
Vienna, VA

Avid Advertising Inc

2204 Garnet Ave Ste 201
San Diego, CA

Bank of America

848 Jackman St
El Cajon, CA

Bank of Internet USA

4350 La Jolla Village Dr Ste 140
San Diego, CA

BCS Real Estate Services,Inc.

6390 Greenwich Dr.
San Diego, CA

Boost Credit 101

3773 E Cherry Creek North Dr
Denver, CO

Broadview Mortgage - Alissa Alvarez Team

1521 E Katella Ave
Orange, CA

Broadview Mortgage - Kathy Argento Team

1521 E Katella Ave
Orange, CA

C Q FINANCIAL

270 E DOUGLAS AVE
El Cajon, CA

CAL-WESTERN RECONVEYANCE CORP

525 E MAIN ST
El Cajon, CA

California Foreclosure Counselors

11555 Sorrento Valley Rd suite 204
San Diego, CA

CALIFORNIA MORTGAGE & REALTY

1340 Munras Ave Ste 100
Monterey, CA

CaliforniaMortgageDirect.com

PO BOX 881408
San Diego, CA

CFL MORTGAGE

1664 N MAGNOLIA AVE
El Cajon, CA

CFS Mortgage

7720 North 16th Street
Phoenix, AZ

CHARTER MORTGAGE

5155 WARING RD
San Diego, CA

Christiansen Capital

705 Pier View Way
Oceanside, CA

COAST LINE MORTGAGE & RL EST

2514 JAMACHA RD
El Cajon, CA

COMMUNITY FIRST NATL BANK MTG

2986 JAMACHA RD
El Cajon, CA

CORNERSTONE MORTGAGE CORP

3636 CAMINO DEL RIO N
San Diego, CA

COURTESY MORTGAGE

2615 CAMINO DEL RIO S
San Diego, CA

CRESTICO

22935 Ventura Blvd Ste 201
Woodland Hills, CA

Crestline Funding

18851 Bardeen Av
Irvine, CA

DELUXE TOWING (619) 316-2771

13465 CAMINO CANADA #106-444
El Cajon, CA

Derden Business Loans

2560 Catamaran Way Suite 11
Chula Vista, CA

Derden Services

1942 Bluehaven Ct
San Diego, CA

Directors Financial Group

2 South Pointe Drive
Lake Forest, CA

Dream Makers Realty

2515 Camino Del Rio South
San Diego, CA

EQ Release

Hudson, FL

EXCEPTIONAL MORTGAGE SOLUTIONS

3944 Murphy Canyon Rd Ste C201
San Diego, CA

FairHomeLending

12707 High Bluff Drive
San Diego, CA

FIRST DECISION MORTGAGE

1530 JAMACHA RD
El Cajon, CA

First Nations Home Finance

2890 Pio Pico Dr Ste 100
Carlsbad, CA

First Security Mortgage

11839 Sorrento Valley Rd
San Diego, CA

Freedom Mortgage

9909 Mira Mesa Blvd Ste 160
San Diego, CA

Gateway Funding

3160 Camino Del Rio South, Suite 217
San Diego, CA

GENESIS MORTGAGE CORP

4180 LA JOLLA VILLAGE DR
La Jolla, CA

GreenHouse Group Inc

591 Camino De La Reina Ste 103
San Diego, CA

Guardian National Bank

4400 W 109th St.
Overland Park, KS

Harris Chen - Platinum Investment Partners

6155 Almaden Expwy
San Jose, CA

Heritage Mortgage

5580 La Jolla Blvd
La Jolla, CA

HOME CAPITAL FUNDING

749 JAMACHA RD
El Cajon, CA

HOME LOAN ADVISORS

600 ALTON BLVD 1325
Costa Mesa, CA

HOMEMAKERS MORTGAGE INC

16885 W BERNARDO DR
San Diego, CA

Honeywell Financial Network

9740 Campo Road
Spring Valley, CA

IFC MORTGAGE

326 ENCINITAS BLVD
Encinitas, CA

Infiniti Home Loans Inc

1231 E. Dyer Road
Santa Ana, CA

INTEGRITY MORTGAGE

9683 Tierra Grande St Ste 102
San Diego, CA

iReverse Home Loans, LLC

1905 Calle Barcelona
Carlsbad, CA

JANUS MORTGAGE

2588 El Camino Real F140
Carlsbad, CA

JMJ Financial

1010 Turquoise Street
San Diego, CA

Ken Reed - San Diego Funding

2468 Historic Decatur Rd
San Diego, CA

Kiel Mortgage

24422 Avenida De La Carlota
Laguna Hills, CA

Legacy Reverse Mortgage

3655 Nobel Dr Ste 250
San Diego, CA

LIBERTY NATIONAL LENDING GROUP

3914 MURPHY CANYON RD
San Diego, CA

Lisa Korn - American Capital, Corp

2121 Rosecrans Ave
El Segundo, CA

LoanPeopleUSA

26895 Aliso Creek Rd, B188
Aliso Viejo, CA

M G MORTGAGE

195 Danner Pl
El Cajon, CA

MAR Financial

12255 Kirkham Road #300
Poway, CA

MARK HENDRICK APPRAISER

3110 CAMINO DEL RIO S
San Diego, CA

Megastar Financial Corp

920 Hilltop Dr
Redding, CA

MERIDIAN HOME MORTGAGE CORP

1363 N MAIN ST
Hampstead, MD

MESA PACIFIC MORTGAGE & INVESTMENT INC.

11637 OAK CREEK DR
Lakeside, CA

METRO SAN DIEGO MORTAGAGE LLC

1500 State St
San Diego, CA

Michael S. Rosenbaum | Mortgage Loan Originator

406 9th Ave. Suite 308
San Diego, CA

MLCG, Inc.

2020 Camino Del Rio North #620
San Diego, CA

MONARCH MORTGAGE CO INC

771 JAMACHA RD
El Cajon, CA

Mortgage Capital Associates

10225 Barnes Canyon Rd
San Diego, CA

MORTGAGE PARTNERS REAL ESTATE

237 AVOCADO AVE
El Cajon, CA

Mortgage West

20436 Via Cellini
Los Angeles, CA

MortgageOne, Inc

4225 Executive Square Ste 600
La Jolla, CA

MOUNTAIN TRUST MORTGAGE & RLTY

16486 Bernardo Center Dr Ste 368
San Diego, CA

Movement Mortgage

2831 St Rose Pkwy #100
Henderson, NV

NATIONAL CITY MORTGAGE

860 JAMACHA RD
El Cajon, CA

NATIONPOINT

2150 N 1st St Ste 100
San Jose, CA

NEW WORLD MORTGAGE

1246 E MAIN ST
El Cajon, CA

NVR Inc

11700 Plaza American Dr
Reston, VA

Omni-Fund Inc

2831 Camino Del Rio S
San Diego, CA

PADRE MORTGAGE

1645 S RANCHO SANTA FE RD
San Marcos, CA

Pam Parton & Joanna Woolley Realtors

100 S Escondido Blvd
Escondido, CA

Payless Loan Source

2955 E. Hillcrest Drive
Westlake Village, CA

POSITION 1 MORTGAGE

13803 PINKARD WAY
El Cajon, CA

PRECISION MORTGAGE

1621 VISTA DEL VALLE BLVD
El Cajon, CA

PRIMARY RESIDENTIAL MTG INC

450 FLETCHER PKWY
El Cajon, CA

PRIMEX MORTGAGE CORP

5834 HUBBARD DR
Rockville, MD

PROCESSING PROFESSIONALS

463 BALLANTYNE ST
El Cajon, CA

PROMPT APPRAISER & CONSULTANTS

2371 Silver Oak Cir
Corona, CA

QUALITY TAX & FINANCIAL SERVICES INC

9829 CAMPO ROAD
Spring Valley, CA

REHMANN FINANCIAL

935 AVOCADO AVE
El Cajon, CA

RELIABLE POSTING & PUBLISHING

525 E MAIN ST
El Cajon, CA

RELIANT MORTGAGE & REALTY INC

1133 Hacienda Dr
El Cajon, CA

RESIDENTIAL WHOLESALE MORTGAGE

11234 EL CAMINO REAL
San Diego, CA

REVERSE MORTGAGE SPECIALIST BRUCE MCPHERSON

3131 Camino Del Rio North
San Diego, CA

RMC Vanguard Mortgage

1111 N Loop W Fwy
Houston, TX

RMC Vanguard Mortgage Corporation

1111 N Loop W Fwy
Houston, TX

ROBERT BAIRD

2990 JAMACHA RD
El Cajon, CA

RTC MORTGAGE CORP

1000 N Coast Hwy Ste 7
Laguna Beach, CA

Ryan Gelardi - C2 Financial

3202 Governor Drive Suite 204
San Diego, CA

San Diego County Credit Union

6705 Mira Mesa Blvd
San Diego, CA

San Diego County Credit Union

312 W Main St
El Cajon, CA

SAN DIEGO MORTGAGE & RL EST

860 JAMACHA RD
El Cajon, CA

STAR MORTGAGE SVC INC

847 MURRAY DR
El Cajon, CA

Stonebridge Lending Inc.

4275 Executive Square Suite 200
La Jolla, ca

Sunset Lending Group

8880 Rio San Diego Dr
San Diego, CA

Synergy One Lending

3131 Camino Del Rio North suite 1450
San Diego, CA

TDE Financial

5921 Severin Dr
La Mesa, ca

TEAMWORK MORTGAGE

2451 JAMACHA RD
El Cajon, CA

The Carlson Lending Team

3914 Murphy Canyon Rd.
San Diego, CA

THE MORTGAGE WORKS

1985 N MARSHALL
El Cajon, CA

Trabuco Canyon Realty Specialists

1823 S Marvin Ave
Los Angeles, CA

Unitrust Mortgage

3539 College Ave
San Diego, CA

US BANK

1420 Kettner Blvd Ste 403
San Diego, CA

USA Realty & Loans

72 Hilltop Drive
Chula Vista, CA

V A HOMES

450 FLETCHER PKWY
El Cajon, CA

Veterans United Home Loans of San Diego

8885 Rio San Diego Dr #135
San Diego, CA

W.J. Bradley Mortgage Capital, LLC

16885 West Bernardo Dr ste 290
San Diego, CA

Wells Fargo Home Mortgage

8410 Genesee Ave
San Diego, CA

WINCHESTER PROPERTY MANAGEMENT

323 N COAST HWY A
Oceanside, CA

ZEMAN MORTGAGE INC

140 W PARK AVE
El Cajon, CA

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