Tom Joanis - Karbon Financial Old Ranch Pkwy, Seal Beach

I just finished my home refinance with Tom and it was the best financial experience I have ever had. Tom was extremely punctual when I reached out with any questions during the entire process. I would recommend Tom and his team to anyone that is in the market to buy, sell and or refinance a home. The process was fast and very easy to understand. Thank you again to Tom and his team.

Working with Tom was great was knowledgeable, and gave us great advice for what suited us. He didn’t just tell us what we wanted to hear and made the whole process extremely easy—definitely going back if we ever need To refinance again.

This is our second time using Tom within a year's span. The first was to purchase our new home, and the second time was to refinance. Couldn't be happier with him. He is the best mortgage professional we've ever used. Extremely knowledgeable, responsive and professional. He'll put out all the inevitable small fires that arise during the stressful loan process. We felt confident in his abilities. Couldn't be happier. We look forward to using him in the future

This is my second re finance with Guaranteed Rate and Tom’s team. I can’t begin to tell you how pleased I have been with all aspects of the process. They always do what they say they are going to do. I would recommend them to anyone looking to do a home loan or refi.

Tom and Matt at Guaranteed Rate were great to deal with. They helped us out on our home purchase and a later refinance. Recommend without reservation.

Tom and his team are fantastic. They are quick, intelligent, explain things thoroughly and help you make the best decisions