PHLoans.com Von Karman Ave, Irvine

43 days from initial contact regarding my refinance to closing. I would say this is a pretty good turnaround. We had a few bumps with a water test and appraisal but John and Misty got things done to get our loan done on time. I highly recommend PH Loans. John Nation and Misty Fisher you are the best. Thanks for a great interest rate and a great loan.

An outstanding company and great group of people who cares about there veterans. I worked with Gilbert for a VA cash-out refinance loan. And I couldn't be happier with the results. The process was smooth and easy. Not one time did I have to worry. Gilbert was honest, straight to the point, and cares deeply for the men and women who served and it showed on how he treated me throughout the process. He also has a great team mate in Angela (loan processor), who without failed answered all my questions in a timely matter and made sure I was always up to date with my loan. She worked hard to make life easy once the loan went to the underwriters. No stress at all for me. I definitely would recommend this company to all my family and friends, especially my extended family in the military.

I’ve been using Pacific Home Loans for my mortgage needs for the past 10 years. I work specifically with Lou Montaino. He’s always super helpful, returns calls promptly and knows his business. I’ve referred tons of friends to him. Some of them hadn’t been able to secure a loan they were happy with before, yet Lou found a way. I plan to continue to use their services in the future. They’re awesome.

I want to start off by informing everyone reading this review that Erick Cisneros at Pacific Home Loans rocks at noon!!! My name is Elsa Leon and the following is how I got to work with Erick. My good friend received advertisement in the mail from Erick’s office. She was curious and thinking about possibly refinancing so she gave Erick a call. Erick answered her questions and gave her some estimates however, she still felt like I had to speak to him because she wanted a second opinion on his offer. Shortly after that, she set up a 3- way conference call where I got the opportunity to listen to Erick’s offer. I was immediately impressed with him for 2 reasons. First of all his communication style was very unique. He explained everything with great detail in layman’s terms. It’s extremely unusual to find a professional in his realm of business that understands that the common civilian may not understand the mortgage world lingo. Secondly, his level of knowledge absolutely stunned me. He answered every question with a great degree of security that only an experienced individual can do. We were sold! Therefore, immediately after our 3- way conference call ended my good friend sent Erick all the paperwork he requested to get her home refinance rolling. As for me, the 2 reasons mentioned above were the deciding factors in giving Erick a call on a possible refinancing on my home. After Erick explained all possibilities on my refinancing I was a bit slow at deciding which term I would take. Erick didn’t pressure me, on the contrary he made sure I understood my choices and made me aware that regardless of my decision he was there for me. If there was any information I didn’t quite understand or needed explained again he was always available and more then happy to assist. After finally deciding on the terms of my refinancing Erick got right to work and made sure my transaction ran smoothly from beginning to end. Furthermore, I appreciate how Erick made the whole process pain-free and quick. Erick definitely made the process as simple as possible by explaining each step in a clear concise manner. Needless to say that he was always available for questions or clarification up until the end of my funding. I truly appreciate his responsiveness and integrity. He made a scary, unknown process very smooth and clear. I have shared my refinance experience with many people and everyone I’ve talked to have been impressed by the interest rate on my refinance and how organized and fast things went. I won't hesitate to refer his great service if given the opportunity (which I have already done so). Erick is definitely one of your company’s greatest assets. Please convey my appreciation to Erick Cisneros for a job well done. I hope that he may assist me with future transactions. Overall, I thank PH Loans for doing such a terrific job securing financing for me (and my good friend). You got me an excellent rate that was competitive with the very best offers out there. Once again thank you Erick Cisneros for going the extra mile for me. It was definitely a pleasure working with you!

Excellent customer service and professionalism! A shout out to Rick Z, Chris O, and Marshell R for your impeccable service. It took a little longer due to COVID-19, but we are SO happy to have refinanced with your help. PH Loans has saved us a tremendous amount on principle/interest and provided reasonable closing costs on our VA loan. We are grateful for PH Loans transparency to this entire process from start to finish.

Awesome experience! From beginning to end Rafael Pimentel and his team from PHLoans worked fast to get the job done. Communication was excellent on a daily basis. Every day updating emailing making the paperwork, transactions and signings easy. I would definitely recommend to anybody purchasing or refinancing home. Like I said these guys are on it. Thanks again for making the process easy.

As with the other low ratings, they over promise and under deliver consistently. Took over 4 months to get the refinance completed, communicating with them is a chore, Chris is incompetent, always an excuse as to why things are not getting done, and CHECK YOUR PAPERWORK SEVERAL TIMES!!! They slid in a new Closing Disclosure at signing which was more that $2,000 different than what I previously signed. They use the ‘Veteran Friendly’ status to get more business but could care less! I wouldn’t recommend this company to my worst enemy.

My husband and I were going to do a VA refi with our current lender, but Ken Howard of Pacific Loans provided a lower interest rate with a larger cash out. He was always available when I called, and answered my questions . He guided us through the whole process. He is very knowledgeable about different types loans, that made us feel good about working with him. Also he's respectful, patient , and kind. It was smooth sailing, thanks Ken!

Very impressed by our experience with PH Loans for our home refi. We did our homework and shopped around for the best rates we could find while attempting to remain skeptical out of fear of being misled and signing up for a refinance that didn’t actually meet our terms. We reached out to Shawn Nevin at PH Loans through referral. Shawn was attentive to our criteria, forthcoming in what he could offer, and responsive to our follow on questions and inquiries regarding the whole refinance process. When it appeared that the market just wasn’t quite ready to accommodate our refinancing needs, the team at PH Loans was able to track down an obscure lead that ultimately resulted in us getting the deal we wanted. We are very grateful for our experience with Shawn Nevin, Camron Penn, Maricela Burboa, and the rest of the team at PH Loans and have since recommended/referred them to other friends and family.

Working with the team at PHLoans has been a simplistic process. Easier than most experiences in life. Rafael E. Pimental was amazing to work with. We started our refinance process back in late February. Right out the gate Rafael had everything in order and walked my husband and I through the process. Due to the whole covid-19 pandemic we needed to make sure everything was done in a certain timeline to assure closing smoothly. Rafael took the precautions of e-signing, easy docs and anything else to make us feel safe in this weird uncertain time. We closed as expected. Great professional experience that was made easy. Thank you Rafael and the hard working team over at PHLoans!