PCMA Private Client Lending Main St, Irvine

PCMA had solutions for refinancing when we couldn't qualify for the house we have been living in for 20 years. They were very easy to work with and on top of what was needed to close the loan.

Kim Marohl of PCMA is the ultimate professional who handled our refinancing. The whole process was expeditiously executed. This is my third time refinancing with this company. I will do it again.

The folks at PCMA explained all to me throughout the process. That was a great help, especially in these challenging times. I’m saving a huge amount each month due to the diligence of PCMA. They found a way to get a deal done!

What a great lender. Considering the time restraints and possibilities, these guys really pulled it off. I would highly recommend working with the PCMA team on any of your lending needs.

Awesome professional experience with this group. I responded to an ad in the mail (which I almost NEVER do). Each person who handled my file did so in an efficient and effective way. Doing a refi is NOT fun but they made it as painless as it can possibly get. Well done PCMA team!!!

Madison and John were very professional, Great Job!

Overall great experience. They got done what tons of other lenders could not on a multi family residence. Thank you Berlinda and Aron for pushing it to the finish line, great support overall.

PCMA is the best company that help me to approve my loan fast . I am so thankful to Matt , Christine , Kim for all of your help. I am appreciate it , God blessed all of us.

This loan became quite the tribulation. It was a challenge to begin with being self-employed in the post great recession new normal. We were vetted like a horse for sale. But something however bad can always get worse, and it did. The communication was poor. Loan officers were changed midstream leading to confusion, redundancy and omissions. One day we were told we'd sign docs that afternoon, only to be told later that day the underwriter wanted more stuff. Not little stuff; big stuff. It tuned out they did not need that stuff; their title co. people had made an error, which I pointed out to them after forking over $100 to get a real estate lawyers I contacted to clear up title's legal misconception. We did finally sign two weeks later. Yet, four full days after signing the loan docs, I get up to an email from the loan rep saying they need more stuff - some additional bank statements - or we could not fund. I have done many, many loans, residential and commercial. Never have I been asked for additional documentation after signing. Well, it turned out they had the "missing" statements after all, the rep cheerfully informed me, so no prob. Well, prob. The loan process can be grueling and bruising, now more than ever. We did not need this aggravation. Also, I was supposed to be emailed the loan docs. We signed one week ago, and I have not received a copy. I called this am to ask the rep if we've recorded. She said their company never notifies borrowers when the loan has recorded. I found this nonchalance concerning, as after everything else I was of no mind to just assume that the loan was "done." Murphy's Second Law: When things do go wrong, it's never just one thing; they happen in droves. Some other things: PMAC was supposed to email the loan docs the day of signing, ahead of time. They did not arrive.  After signing, I called the notary, who for some reason was the one made responsible for getting them to me, and she said she would send them. She did not. So several days later I had to call my PMAC loan officer and request them. When, after signing, after funding, after recording, I finally got my copy of the loan docs and had a chance to read the settlement statement more carefully I noticed a four day overlap in the interest charged for the former lender and for PMAC. We were set to close on the 20th, and we did. PMAC charged prepaid interest from and including the 20th to month's end; and the former lender was paid interest for that month from the 1st to and including the 23rd - resulting in a four day double payment of interest. The excess interest I paid because of the overlap came to over $900. When I emailed and called PMAC people to address this, I got brush-offs, run-a-rounds, misrepresentations, contradictions. And rudeness. No action. Incompetent, unprofessional, disingenuous.

It’s a tough time we all are experiencing during this COVID 19 pandemic. But, I must say Kim was very professional in getting me through my refinance and it’s a pleasure working with her and the PCMA folks.