Sovereign Lending Group Incorporated Howard Way, Costa Mesa

This is the second time I have helped my mother refinance her mortgage using Sovereign. The first time was for a cash out FHA refinance, and this time it was a straight FHA refinance for a great rate (3.5)--well beyond what other lenders in Alabama were offering. Refinances have a lot of moving parts and through both refinances there were hiccups along the way. We used Pierce Rainey for both refinances and would definitely work with him again in the future. Refinances are at the mercy of the local appraisals, and we had issues with the appraisals during both refinances. Pierce is very diligent in coming up with solutions and compromises when there are bumps in the road. Additionally, the two women that have assisted Pierce in both these transactions, Huong and Sabrina Schaeffer, have been helpful. What sets Pierce apart is that he is in constant communication with you during the whole process, and during this last transaction, Sabrina was as well. Everyone is always on the same page and that makes the process so much easier. My mom is older and Pierce, Huong, and Sabrina were always respectful and patient when speaking with her. Sovereign is very aggressive with their rates and speed of processing, and I would recommend them no matter what state your home is in. I will definitely work with Sovereign and Pierce Rainey again in the future.

Sovereign Lending Group, specifically Mr. Blake Smith and Mr. Kevin Breen are courteous, accurate and timely. What began as a debt restructuring effort quickly morphed into a two HARP loan refinance. They made the entire process effortless on my part. They are professional. They know what they are doing and they do it well.

I want to reply to a review I just read on here from Daniel Winston- I have had two loans done from this company and have sent several family members and friends here and can't find anything negative to say. Annette got my last loan done in about 21 days, and most of my family members/ friends had similar turnaround times. In reading this review from Daniel Winston I feel as though this is someone with a personal axe to grind because the statement about losing a deposit and house is simply bogus. The deposit is fully refundable and how could losing your home have anything to do with a mortgage company? One of the reasons I send my family members and friends here is the great service and the 7 year rate guarantee which means if rates drop after you close your loan then SLG redoes the loan at no cost! I hope anyone who reads negative reviews at least does some additional research before making a decision.

Fast and simple re-fi on our house! Nick Woods made everything go as smooth as possible and went out of his way to help us understand things we didn't understand with the process. Amazing team and leadership.

Great place to get refinanced. They are fast and everyone is very nice and courteous. If I have a question they are able to answer it so I can understand. Will definitely use them again and refer them to my family and friends.

I refinanced my house with Sovereign Lending Group that offers great interest rate and services! Kevin Breen was my loan officer who guided me throughout the process. He explained things clearly and thoroughly and ensured that I have no doubt in mind. I am certain that refinancing with SLG is good one and much appreciated to Kevin for his knowledge and expertise in the field!

I had recently closed my loan with Sovereign and was very happy with the service. Arpi Jenanian, the loan officer, was extremely polite, helpful and had excellent recommendations on ways to improve credit scores and has an overall knowledge of the industry that was pretty impressive. I actually was going through the process with another lender and was almost halfway through it. After talking with Arpi, it was a no brainer to switch to Sovereign and have her handle it. She was able to close the loan in about two weeks, which I was ecstatic about!! Thanks again Arpi. Bill

I just finished my VA Refi with Daniel Costa and Billie Shine. They were very easy to work with and kept me informed through the entire process. Daniel went above and beyond to beat any competitors and make sure I got as much cash out as possible. Highly recommend to anyone looking to refi or purchase a home! Thanks Daniel and Billie!

Minh Nguyen and the team at Sovereign Lending Group are great professionals. They always made time to answer our questions and went the extra mile to ensure the terms were competitive and our best options. Total transparency!

Very costly mi$take. Looking to refinance I dubiously responded to one of their junk mail invitations promising eligibility and no-cost closing. When they found out what my property was worth all they could see were dollar signs and promised me the moon. Right out of the gate they took me for $500 they said would be refunded at closing which they referred to as a "slam dunk." Over the next weeks I wasted hours scanning and sending them insane amounts of documentation revealing every imaginable detail of my existence. Day after day for weeks I was strung along for "just one more thing," but we were "almost there." Clearly, my property was worth well more than I was asking for and purchasing the home originally (local bank) through VA was a breeze. Sovereign relentlessly toyed with us blaming VA stringencies that amounted to what they admitted was little more than $100/mo. for income. They carelessly hit both my wife and my FICO with four hard inquiries wrecking my 725+ score but assured me that in time they would make it work if we could get a little more credit built up. Then, within a couple weeks, without warning I received a Denial of Credit letter blaming me for terminating the application. You should be very suspicious of the origins of all these good reviews.