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Mortgage Lending reviews in Encinitas

Real People ~ Real Reviews ~ Real Results

  • Roger Kumar of Trident Mortgage recently handled the
    refinancing of our mortgage. I have done Refis with other Mortgage brokers at
    least 4 times in the past.
    If I ever need to refinance my mortgage, I will definitely
    use Trident Mortgage again. Roger is a professional, and he got our loan rate
    locked in just before the rates took a big bump up recently. He got all the
    necessary paperwork submitted to the lender and we closed the loan on time and
    in less than 30 days. His fees were extraordinarily low, and he shows you all
    the loan fee details in advance of the closing.
    He kept me updated throughout the process, and he found a
    lender that offered a very competitive interest rate, and that would listen to
    reason. Let me explain about the saga of this loan if you care to read on.
      Someone electronically filed a fraudulent 2012 Federal Tax
    Return using my name before I got my paper version filed.  By the way, you
    can avoid ever having this happen by establishing a PIN with the IRS that one
    must have to electronically file. I didn?t find that out until after I had this
    nightmare of a problem.
      The fraudulent Federal Tax return showed me as single, living in
    Texas (In order to steal my tax refund) even though, I have been married for 24
    years, always file a joint return, and have lived in the same home in
    Encinitas, CA for the past 14 years. None of the lenders would fund our loan
    due to a 'technical glitch" in underwriting guidelines which requires a
    paper or electronic tax filing to match identically the lender requested
    4506T (Lender verified and obtained electronic request for filed tax returns
    directly from the IRS).   
    Even though the lenders had copies of my most recent two
    tax returns showing substantial consistent income, low debts, and excellent
    credit, they would not fund my loan, simply because of the tax filing
    (fraudulent) that shows up on the IRS 4506T and the inability for the IRS to
    just remove it from showing after corrected. No common sense and no way to
    technically fix this glitch in lending guidelines. 
    Roger didn?t give up and months later found a lender in
    his network that would listen to reason. He was able to get them to understand
    what had happened. He kept me updated throughout the process, and secured
    a very competitive interest rate. I will always work with Roger on any
    home loans I may need in the future.

    - Bert G.
  • Dan and the team at WJ Bradley were fantastic to work with.  Getting a mortgage these days is brutal and Dan walked me through the entire process step by step to insure that we had the best opportunity to obtain the mortgage product we wanted.  I got a 30 year fixed, 0 point mortgage at 4.625%.  Dan was able to get me qualified without needing to have a contingency on the sale of my current home so that we could present as a very attractive buyer on the home we wanted.  Dan was able to obtain the mortgage terms I wanted as well as close in 35 days.  Dan liased with both real estate agents to keep them informed through the process as well as playing a huge role in negotiating with the underwriter about the documentation that was required.  Dan provided updates usually every 2-3 days and daily in last few days of the deal.  Absolutely the best experience I have ever had with a mortgage transaction.
    - Brad L.
  • My mother used Heritage Mortgage to refinance her house and liked John. When I bought a house last year, John got me my first loan. This summer he called me to say that I could save some money on my monthly mortgage payments with a refinance. I liked that he was proactive and knew how much I was paying and what could be done to save me some money. I paid for my appraisal and the bank fees but John was able to finance that into the loan amount so it I didn't have to come up with the money out of pocket. This refinance will save me tens of thousands of dollars of interest payments so it was a good deal.
    - zac p.
  • Easy, painless and FAST
    - Anne L.
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Mortgage Brokers in Encinitas

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