Mortgage Lenders in Rancho Santa Margarita, CA

“I had the best experience with AdvantageFirst Lending! Ask for Felipe Munoz! He went above and beyond for me and helped me when other lending companies wouldn’t! Felipe is very communicative and knows the business exceptionally well! I will work with Felipe again if I refinance or purchase another home!”

“Rates were low, so it was time to test the market and see if we could do better than our current rate. We contacted three places. (1) Right Choice Mortgage; we heard about them on 95.9 (2) our trusted mortgage company that has financed us for almost 25 years (3) A referral from a good friend. Working with three different firms slowed us down as each one processed our details differently, and then we had to compare everything that came back. In the meantime, talk of increased rates was looming, and it was the end of 2021. Because of the history, we were most comfortable with our trusted company, and it was easy peasy to work with them. However, with that said, they didn't provide the details and explanations as well as TJ did either. TJ was very informative, extremely patient, and helped explain what each line item meant and helped us look at things from a short-term and long-term perspective. Right Choice and our trusted mortgage firm returned with the same rate, so we moved forward with our trusted firm. Unfortunately, we dropped the ball with the holidays. Then, after the New Year, we got back to our trusted mortgage firm. They replied with an increased rate of an entire point. We scrambled and went back to TJ at Right Choice, and somehow, she was able to stay steady at the original quoted rate. We held our breath to the finish line, assuming we would hear from TJ at Right Choice that our delay had caused the rate to go up and that we would have to buy down to keep the initial rate. But TJ held to her word, and in the end, we closed at the initial rate, which was quoted 2-1/2 months earlier. Again, TJ was incredibly patient with us; she explained every step, every detail, and each line item. We closed at a lower rate than our current rate and are happy with the company that holds our loan. Thank you, TJ - you are a gem!!”

“Nichole and Brian are the absolute best and most professional in the business!
They made our first home purchase a breeze. They closed our purchase loan in under 2 weeks with an amazing rate. They are so knowledgeable and answer all of our questions quickly. They made sure the escrew went smoothly and kept all the parties informed throughout the process. They know what they need to do. We 100% recommend them!”