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August 2023 by keivan Hero
Working with Babak was a real treat, he makes sure that all your worries are addressed, explains all the process of the loan and does his best to get you the best loan, I’m extremely satisfied with his work and will definitely use him again,
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June 2023 by H Kh
Mr. Babak Moghaddam is a very dedicated individual who follows through on every part of the process. He is extremely knowledgeable with the requirements and the process in order to get qualified for a mortgage loan. He closely followed my mortgage loan application. After I gave my mortgage amount, he provided all the mortgage loan options available to me plus detail explanation of each one. He also gave me advise and recommendation on which option is the best for me. After I provided the required documents and the mortgage loan application, he took care of the rest of the process and got my application approved. It was great working with him and I appreciate his level of service and professionalism. I am very glad I came across him.
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May 2023 by DIANA BUSTILLO
Buying a home can be very overwhelming, but if you have someone with outstanding knowledge and patience your stress will become minimal. Babak was very thorough in the whole process and before i even had questions i would get an email with the breakdown on what the next steps will be. Babak and his assistant Alissa were god sent therapist whenever we had any doubts, they listened and care for whatever our concerns were and what i appreciated was their honestly. 100 % will be recommending to any family members or friends. Thank you CHARTER PACIFIC!
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May 2023 by Afarin Bakht
Babak is exceptional and goes above and beyond. It was my second time working with Babak for getting a residential loan. everything went very smoothly and we were able to meet 20 day closing Escrow timeline. His professionalism and knowledge is truly appreciated. I would work with Babak and his wonderful team again and highly recommend him to friends and family.
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May 2023 by Tania Horton
Babak was great in guiding us through our first home purchase! Answered all of our questions and was very quick to get everything processed and our loan approved. Recommend!
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May 2023 by Guizhen Lei
Babak and his staff were very professional and responsive. They got my loan application processed in three weeks to close escrow.
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May 2023 by A N.
Awesome team and very knowledgeable. Easy to reach out to for any queries. Highly recommended.
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April 2023 by Masoud Nariman
We worked with Charter Pacific Lending Corp. for couple loans. We worked with Babak Moghadam and his team. They’re very responsible and professional in their business. They walk you through every step of the way and follow through to make sure your Loan gets the best possible results. We definitely give them 5+ star!!!
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March 2023 by John Hwang
I worked with Babak Moghaddam, and he was very helpful and got me a great rate. I was new to purchasing a home and at times did not know what I was doing, and Babak helped me throughout the entire loan process and always was available to answer my many questions. Would recommend highly!
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February 2023 by John H.
Babak was amazing to work with, and great at what he does. He helped throughout the entire process and made things super easy on our end. We definitely recommend him!
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February 2023 by Rob L
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!
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February 2023 by Tetyana Z.
Babak and all the team did an amazing job! Very professional, knowledgeable and focused on a client's needs. We had a very tight time frame, needed to close our escrow really fast. Babak & his team did the job in no time. We love our new home and definitely recommend them!
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January 2023 by Robert L.
The first time I was introduced to Babak was in August of 2016 during our first home offer. In comparing, 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 t
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October 2022 by Chin-Lien C.
We are very happy with this company, awesome services and super fast response, our rep is also very reliable, he will take care of our need even when he is on vacation, best of all, he seem very knowledgeable in his area, we are pleases with him.
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October 2022 by Koorosh H.
I am a real estate broker and phone-met Babak through my client who was seeking purchase of a home. After a few phone conversations I had with Babak, I found him to be quite knowledgeable, professional and focused to provide the best loan terms and conditions for my client. The home purchase transaction endured a number of months of challenges until escrow was finally closed. Babak and his assistant Alissa were there for us in a supportive manner for every step of the way. I recommend Babak and his team highly to provide mortgage planning and loan services to you all.
