RWM Home Loans - Rancho Bernardo W Bernardo Dr, San Diego

We are retired and living comfortably off our post tax savings, but it is difficult to get a mortgage with no "income." Sean Kelly and the RWM team did a great job of understanding our portfolio and finding us a mortgage at a good rate. RWM stayed with us the whole way and beyond, making sure everything went smoothly. Great team!

Roger was so great at communicating where we were at in the process and what to expect. I appreciate his attention to detail and communication style as it made the process smooth and seamless. I will definitely refer friends and family to him in the future!

Sean Kelly and Bill Morris make a great team. They are obviously experts in their field. As the transaction progresses they are on top of every issue. They communicate well, provide understandable explanations, no double talk. My recent "refi" was the smoothest ever. I would not hesitate recommend Sean to any of my family and friends. He is the best!!!!

Roger Tso is an experienced and well-versed mortgage consultant. He's not only professional but is also quite personable with his clients. Working with Roger is a breeze. Putting your best interest first is a top priority. Roger will work to gain the lowest rate possible while not skipping on the service. Whether in need of a new mortgage or refi, Roger is your go-to guy, You won't regret it.

Roger Tso was amazing guiding us through the refinancing process. He was patient and thorough, answering all questions, and explaining our options. Roger is great at what he does, and we would highly recommend!

Whether it's your first mortgage or your second refi, Roger explains and walks you through the process in a way even i understand. Communications are very friendly with fast response times. You get the impression that he wants to get it done and done right for you.

We worked with Mark Kalleser at RWM and the process was great! Best refi experience I've had. I had a couple of dings on my credit, but Mark hooked me up with a credit repair company that took care of it very quickly and professionally, then Mark locked us in at the perfect time to get a great rate. He let us know what he would need and when he'd need it, communicated with us throughout the process, and made sure everything was 100% what we wanted. Mark was professional, helpful and always available to answer our questions. The process was smooth and easy...which isn't always the case.

We have worked with Roger on 4 loans/refis. We just closed two refis with RWM. As always, Roger secured the lowest rate possible and the process was smooth and easy from start to finish. Roger has always been highly professional, personable and easy to work with. He explains every step of the process and doesn't mind questions - and lots of them! I especially appreciate that Roger responds to my calls and emails right away. I recommend him to everyone I know who is in the market for a home loan/refi.

I have worked with Roger Tso for over 10 years. He has assisted me with mulitple mortgages and multiple properties. The process has been seamless from initial application through appraisal, escrow and notary. Roger is my one-stop shop for mortgages and refinance!! Thanks Roger!!

This the second refinancing we have secured through Bill Morris. He is exceptionally helpful throughout the whole process. Prompt in providing assistance. Diligent in timely follow-up. Through in detail. I highly recommend him without reservation.