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Client Reviews

Find out what our clients are saying about us... 


 Dani D.  

Patrick Creavy at Ledera Lending has handled 2 refinances for me over the years. It was a painless experience both times. Everything was done so efficiently that they both closed on time with no problems. I have appreciated his good advice and honesty. I would recommend him to handle any refinance or new purchase. 11/20/2017

David S.  


I had a great experience with my home loan process. Shawn was easy to reach, organized and answered all my questions upfront. The whole process was quick and easy. I would recommend using Ladera Lending to all my friends.


Cortney L.


Ladera Lending is full of great people who make you feel comfortable and like family while working with them. If you have the pleasure of getting to know Tommy from Ladera Lending, you will have a lot of laughs while getting work done with someone you trust!



 David V., LT USN  

Patrick and his team were awesome! I’m a repeat customer (two loans so far). Their rates and fees are unmatched. Trust me. I’ve tried with different banks and they could not beat Ladera Lending. As an active duty military member, I really appreciate the top-notch service provided by Ladera Lending. You will not regret picking this lender. Thanks, Ladera Lending!

Ryan L.  


Andy did a great job. I had a bit of a tougher mortgage because I was over the $417,000 threshold and my house is technically a condo because of the way they divided the lots. Despite all this he came in much cheaper than everyone else and 50bps below where Wells Fargo currently had my loan. The process was very smooth and he kept me updated along the way. I was surprised by how fast we got everything done and funded.


Troy M.


I have used Ladera twice to re-fi my home and Brian Spinuzzi was awesome. I totally recommend calling him.



Shelli K.



I refinanced my house with the cash out option. Single Mom of a college bound child and a HS Junior still at home. Needed cash fast to help with the unbelievable expenses of college. Mark Labender was very professional, patient, and kept me informed on each step. The process was fast and relatively painless. Thank you MARK for all your help I truly appreciate it! 9/15/2017


John B.



I was contacted by Patrick at Ladera lending and he took the needed time to explain to me the 15 yr mortgage with the every two week payment schedule which knocks the loan down to 13 yrs. Patrick was very helpful with all the paperwork. Thank you for helping me to see the end of the tunnel on getting my home paid for once and for all. 8/25/2017


J. L.



I just completed my 2nd refinance with Ladera Lending, and I couldn't be happier with Patrick Creavy and his team. I shopped around, and not only did they give me the best deal, but they also gave me excellent customer service. I highly recommend them. 8/16/2017


Camille L.



Jeff Wade and his team, especially Halle Hurlbut, recently provided flexible solutions, guidance, and great service for my wife and I to refi our house. They helped us to restructure and solve financial issues that had been lingering far too long. We were very fortunate to find Ladera Lending and want to encourage others to brainstorm with Jeff to find creative solutions to frustrating financial situations. Special shout out to Halle Hurlbut from my wife, "She was always there for me 100% ! She is extremely knowledgeable, and explains everything so you can truly understand this complicated industry. 8/14/2017


Caryn S.



Ladera Lending, as represented by BROCK AMOS, is wonderful! Our old mortgage company kept throwing up roadblocks and Brock just powered through them. He is amazing. Got the job done when no one else could. Thanks Brock! I will recommend you to everyone I know. 7/27/2017


Bradley K.



I have to say that ladera lending is the best at what they do, I worked with Michael Ton, and Edward Kang, and I had what I think was a hard mortage mostly due to me being self employed, we went thru 3 different mortages companies and I was turned down for some real stupid reasons, and yet these two gentlemen stuck with it until they found a company that would refiance me, and not once did they give up and they put up with me emailing them many times a day, the final loan, actually turned out to be the best one, if I could give them 100 stars I would. 7/26/2017


Ashley W.  

We had the pleasure of refinancing our house with Tommy Osborne from Ladera Lending. We were referred to him by a family friend. The process has been wonderful. I work in customer service everyday and I know how hard it can be to meet customer needs. Tommy has gone above and beyond to help us through this process in every way possible. He makes the complicated process so easy. We are fairly new to this whole mortgage world and he has patiently walked us through, giving us helpful advice and calming our worries.

Manjit T.



It was great working with Hiro Watari.  Appears to be very professional, courteous, and competent individual.  I would definitely recommend him and his to company to whoever is looking to refinance.


Ashlyn T.



This company was professional,  easy to reach,  happy to answer all questions,  and gave me a great interest rate on my first home. Lori Duran was my agent, and was pleasant, efficient and clearly cared about helping me. I would suggest her to anyone looking to get a loan!


Priyanka P.




As part of my Home Search . I was looking for Specific Product from specific Bank . Which I had heard feedback from other lenders is tough bank to work with , slow and difficult process in Underwriting. But on only and one of best option for my loan needs . Patrick and this team(Eddy) work hard and with dedication at each stage following with Bank. With lot of hurdles in the process (primarily issue with Bank Process). But they finally got it done. This is my 4 Mortgage loan. But like to mention now lender has be so responsive and transparent at each stage. I would defiantly recommend Ladera Lending to others . If you are looking for Lender who will work with Dedication as per your loan need and loan product you are looking for. Hats off to Patrick for his passion and dedication. You rock Patrick. I would also look forward to reach out to him again for my future loan needs.  7/12/2017 


Nanette Z.




I just finished a refinance (VA) of my home in Northern Ca. Justin Hales was my mortgage broker and I would highly recommend that anyone who wants their refi done, fast, thoroughly, competently, pleasantly, use Justin's services. I can't say enough. Last year I did a refi with a company who shall remain nameless and it was a nightmare and took from March to late September. Justin was much faster. He kept me updated with each step. He told me what documents I needed to provide and the fastest way to get those to him. Anyone who has ever done a VA refi knows they are harder by nature of the additional paperwork. Justin made it easy. NEVER did I think I would use the terms pleasant and easy regarding a review for a refi let alone in the SAME review. To Justin, I thank you for your prompt, courteous, diligent service. Use Justin Hale's services, You will not regret it. He is with Ladera Lending in Ladera Ranch, Ca and his number is- 949-40-9716. Nanette Zolensky  7/11/2017 


Rob A.



Great customer service, and very knowledgeable about current products available. Worked with Colten, who kept me updated throughout the process. Everything went as discussed up front. I will use Ladera Lending in the future, and I would recommend them to anyone needing a new mortgage or in the need for re-financing.  7/10/2017 


Jacklynn T.



I really enjoyed working with Andy. He was very professional yet personal at the same time. If I ever know of someone wanting to refinance, I will definitely recommend Andy and Ladera..  6/22/2017 


Eric S.



Was very pleased with the service I received from Shawn Moore and Teri Goslee.  I was doing a refi on both my first and second.  There were some challenges regarding the second mortgage and Shawn and Teri were able to resolve the issues with the underwriters and get the loans funded in a timely manner.  They also kept me updated throughout the entire process, which I greatly appreciated.  5/8/2017 


Suzie A.



Very pleased with our experience with Andy Espineira at Ladera Lending. Andy was professional, friendly, and helpful. We got an excellent rate, and the PMI will drop off automatically once we have 80% loan/value. The process was much more streamlined and hassle-free than I recall from other mortgages we have obtained. Thank you, Andy and Ladera. 6/21/2017  


Alma Z.



Was a pleasure working with Tommy Osborne at Ladera Lending. He is a very knowledgeable individual who made our home refinancing process a breeze. Everything was smooth and fast. He was prompt and was always available when we had questions. 6/20/2017 


Jorge S.



Marlon and his team really work hard to get you a good rate. He helped me through some property lien issues and even helped me to remove some negative marks on my credit report. It did take some time to work out all the problems but at the end i was able to refinance my house and was able to get cash out. I would recommend him if you are looking to refinance your home.  5/16/2017 


Jo L.



Marlon Escota has once again proved the BEST mortgage broker we've ever worked with. He moved the process along faster than I thought possible, stayed on top of everything, and made sure to keep us informed of everything going on. We were never unsure of what was happening next and that made the whole thing extremely comfortable for us. I would recommend Marlon to anyone - he's a great broker! 5/16/2017 


Janet A.



It was a pleasure to work with Marlon. It was the fastest loan we have ever done! Process was very simple. We would totally work with Ladera Lending again! 5/15/2017 


Jan W.



We would like to thank Marlon Escota at Ladera Lending Mtg. for all his help on walking us through the process of a VA loan. The paperwork was substantial & he made it easy for us. I would recommend his services to anyone needing a loan . He was great to work with. He had great follow through, & helped us secure & lock-in the interest rate we were looking for. I would definitely use his services again, & recommend him to anyone needing home loan services. 5/12/2017 


Michael B.



My wife and I recently refinanced our home through Ladera Lending. A very close friend of mine gave me the contact information for Steve Fillet and I'm very glad he did. This was not your normal run-of-the-mil refinance. There were many bridges that needed to be crossed. Every time a wall appeared to block or hamper the process, Steve worked with me to find a way over it. It was a much longer process than I thought it would be, but I didn't realize a VA loan would be a very picky process... I guess I forgot that the VA is still part of the federal government! Even Steve stated, "This has been the most complex and precedent setting file anyone here has ever worked on." I believe it! It was a pleasure working with Steve and I appreciated all the hard work he put into this refinance. Thanks also to Toby Rodriguez, who supported Steve and gave me reassurances along the way. I would recommend the services of Steve Fillet and Ladera Lending anytime! 5/12/2017 


Eric S.



Was very pleased with the service I received from Shawn Moore and Teri Goslee. I was doing a refi on both my first and second. There were some challenges regarding the second mortgage and Shawn and Teri were able to resolve the issues with the underwriters and get the loans funded in a timely manner. They also kept me updated throughout the entire process, which I greatly appreciated. 5/8/2017 


Leo M.



My wife I recently refinanced our mortgage. Patrick McCreavy helped us with smooth and fast process our documents. He was very helpful explaining everything and patience with us. Over all excellent service and very happy!. I highly recommend him and Ladera Lending to anyone!! -Leo/Maria 5/5/2017 


Mirna J.



My Fiancé and I are first time home buyers and were referred to Brian Spinuzzi at Ladera Lending. Before Ladera Lending we tried getting approved with another Lending Company, we had such a bad experience with that company that we thought all hope was lost for buying a house. That's when we met Brian and he made the impossible possible! We had a great experience working with him. He was always willing to go out of his way to help and answer all of our questions! Believe me we had a lot of questions! Brian was very professional and knowledgeable. He made the process extremely easy. He's very organized and walked us through the whole process. I would highly recommend working with him. We closed escrow quick without any problems and got our keys to our beautiful home last week. It was a pleasure working with him and look forward to using his lending services in the future. 4/27/2017 


Chris C.



Outstanding service from start to finish. Brock Amos and Ladera Lending's Staff went above and beyond delivery our loan for the purchase of our new home we purchase and closed on the 21st of April 2017. They took the stress and headache out of the process, the communication and transparency was amazing. Our contingencies were signed off early, and we were able to close early. Closing early made us have extra time to move out from the old house. We cannot thank Brock and his team enough. 4/27/2017 


Chanel S.



It was such a pleasure working with Brock Amos on my Buyer's latest single family residence purchase. He was diligent and delivered on everything he promised. Once he received all the documentation needed from my clients he was able to work efficiently enough that we were able to close our escrow early! He could always be reached by email or phone and responded quickly. Brock always gave us the truth and what to expect. I will definitely recommend him to my future clients and I know my clients were more than satisfied on their experience with Brock. Highly recommended!  4/27/2017 


Lorelle K.



My husband and I recently refinanced our multi-family unit located in Whittier. Under normal circumstances this refinance would be rather simple, however, since the City of Whittier decided to rezone the neighborhood from R3 to R1...the task became unbelievably difficult. The average lending institutions would not offer a multifamily mortgage on the complex because it was zoned R1...nor would they consider offering s single family residence mortgage cuz of the fact it was a multi family complex. We were beyond perplexed. Thankfully for us, we were referred to Hali Hurlbut at Ladera Lending. From our first introduction, we felt confident that this young lady was going to leave no rock unturned in her mission to assist us with refinancing our mortgage. She did not disappoint!! Throughout the process, Hali remained steadfast, in her unrelenting belief, that she would prevail in securing us the refinancing. Hali and Robert Brown, President of Ladera, went above and beyond the normal channels to find a private Investor willing to take on our challenging mortgage. We are so grateful that Hali agreed to take on our uphill battle, when so many big banks and brokers had turned and ran the other way. We will not hesitate to sing her praises at every opportunity we are given. Thank you again Hali and Ladera Lending!  4/25/2017 


Thomas S.



In my eyes, Ladera Lending is the gold standard in lending. It started with a great phone call with Tommy. He outlined timelines and deliverables quickly and promptly followed through on all commitments. Through Ladera's speed and efficiency, we closed in 30 days. To be fair, we could of closed in 15. Go with Tommy of Ladera Lending, you will not be disappointed. Sincerely, Schafer Family   4/19/2017 


Jamie G.



Jason from Ladera was great to work with! My family felt like we were his only clients. Not only did he help us with our refinance, but also helped us with getting ready to relocate. THANK YOU JASON!! 4/17/2017 


Jill H.



Andy Espineira with Ladera Lending is the best. He is knowledgeable and makes the time and effort to make sure you understand each step in the loan process and are comfortable with it. In my case, I was uncomfortable with one request and he was able to get it waived for me! Andy responds promptly to all questions and never leaves you "hanging." He also has excellent outside resources available. The broker he recommended saved me thousands of dollars on the purchase price of my home. Andy has guided me and other family members through refinancing and purchase loans and worked hard to get us the best rate and terms. I will never go anywhere else! 4/7/2017 


Kacia S.



Gene and his associates went out of their way to make refinancing a breeze. We needed to do immediate repairs on our house due to the wet weather but didn't know how we would finance the projects. After a quick call to Gene at Ladera, I knew what my best options would be and where to start. The paperwork came through quickly, my questions were always answered quickly and thoroughly and the process sped by. I have been very happy with the professional and excellent service I received at Ladera. Would definitely use them again. We are now able to enjoy our home again! 4/5/2017 


Maria V.



Steve F. is a credit to both Ladera Lending and the mortgage industry as a whole. He is resourceful, considers all options and really cares about his borrowers. He definitely goes the extra mile and we would not hesitate to refer him to our friends, family, co-workers and others seeking a purchase of re-fi loan. 3/24/2017 


Karen H.



Chris Coble at Ladera Leanding tirelessly worked for my husband and I to get us the best loan possible for our refi. We pulled cash out for some home improvements and to pay off some debt. He also helped us to understand how we can pay off our new mortgage more quickly. This is the third time our family have been helped by Chris with fantastic results each time. Would I recommend Chris Colble? Absolutely! 3/17/2017 


Lisa P.



Scott Hemp at Ladera Lending was amazing. He handled everything to make this a seemless and stress free transaction. Thanks Scott for everything. We will definitely be back next time we buy a house or refi. 3/15/2017 


Katie W.



I've worked with Tommy Osbourne over the last 15 years professionally and personally for my own mortgage needs. He is a true professional. His sense of urgency and knowledge in the market truly makes him an asset to Ladera lending. I personally and professionally recommend him to everyone and anyone. 3/15/2017 


Ryan F.



This is my 2nd VA refinance with Marlon Escota. He has gone above and beyond assisting me in eliminating debt the first go around and this time securing a rate before the recent rise in interest. He answered his phone ALWAYS. He was in constant contact with me during the entire loan process. The process was SEEMLESS. I have done many refinances in the past but Marlon is by far the best loan agent I have worked with ever. I HIGHLY recommend him for your loan needs. Good Job Marlon! 3/7/2017 


Darren C.



Marlon Escota and his team were phenomenal. The refinancing process was seamless and completed in a timely manner. They got a me a great rate. Could not have asked for anything more. Thanks again Marlon. 3/7/2017 


Tony P.



I received a call in the summer of 2015 from Marlon Escota regarding a refi. I admit I was annoyed at getting a soliciting call from a mortgage company, so I said, NO. Then he called again in late December and we gave it a shot. I was really surprised to be approved, due to my credit. I'm not saying that anyone with bad credit will get approved, but Marlon worked hard to find an investor to take my loan and luckily he did. I was able to payoff over 10 credit cards and 3 collection accounts. But more importantly, I was able to develop a plan that will improve my credit, clean up my consumer debt and in a few months we will revisit this and perhaps have a better loan then. It's a great loan now, and I would like to thank Marlon Escota for keeping me informed of every step of the process, being a hard worker and an advocate for me and my house. Would recommend this company to friends and family. 3/3/2017 


Maria P.



Shawn and team were great to work with. I have financed and refinanced many times over the years and this is the second time I've used Ladera Lending and certainly not the last. Shawn and team me informed and I was able to lock in a good rate at his recommendation. I live in another state and did not experience and challenges doing this remotely, even down to the signing process. Without a doubt I would recommended this team for anyone's mortgage needs. Thanks again for a easy, smooth and pleasant process. 2/25/2017 


Sandy K.



We have worked with many lenders in the past but this has been by far the best experience. Robert Lee was wonderful to work with. Very professional and efficient. I would recommend him highly to anyone in need of a refi. 2/23/2017 


Jenelle T.



I have had nothing but a great experience with Ladera Lending, particularly, Toby Rodriguez. He is fantastic at what he does and I trust him fully with all of my mortgage needs:) Thanks Ladera Lending! 2/10/2017 


Susan D.



In November 2016, I got a call from Marlon Escota about refinancing my home at a lower interest rate. Of course I was very interested. He helped my husband and I through the whole process and even talked to us in terms that made me feel like I was getting advice from a family member. At one point I even sent the paper work to my regular broker, he also told me it was a very good deal and he would not even be able to beat the deal Ladera offered. Marlon was very easy to work with. Now I have lower monthly payments!! Thank you Marlon for working hard to get us the best deal in town!!! 2/10/2017 


Matt D.



Tommy Osborne and the team at Ladera Lending has been instrumental in successful closings for us. Their mortgage products, talented staff and commitment to our clients has allowed us to meet the often challenging demands of closing escrows on time and with great service. Would highly recommend Tommy and Ladera Lending. Matt Davis Broker / Partner Pier West Properties Corp.  2/9/2017 


Sabrina K.



If you are attempting to buy a home or refinance, Chris Coble at Ladera Lending is someone you want to have working alongside you. He is experienced, honest, down to earth, and offers you sound advice. I picked up on this during our first phone conversation, never considered shopping around, and never regretted or second-guessed my decision. I was an inexperienced homebuyer, and he took the time to explain things in detail throughout the whole process. I was able to benefit from his expertise and learned a lot from him in a short amount of time. Logistically, Chris was extremely organized, always reachable, and efficient which allowed for a smooth and quick transaction. I have already recommended him to a family member and a friend, and am grateful that our paths crossed. You will be in good hands working with Chris Coble. There is no doubt about that. 2/8/2017 


Mariquita M.



Andy Espeneira is the best! He goes the extra mile for his clients! I am so grateful for his service that I recommend him to family, friends, and real estate clients. 2/6/2017 


Rick P.



Andy Espineira and the entire team at Ladera Lending make it happen. Great experience, will use them again!  1/31/2017 


Jayant M.



I must say that I was a little hesitant in refinancing my mortgage because I was getting flooded with calls from so many different banks that it was becoming overwhelming. However, when I spoke with Michael Hill at Ladera Lending he made me feel very comfortable right from the start. He explained every step of the process and made the process so much easier than the last time I refinanced my home. He would always answer the phone, even on the weekends when I called and had a question for him. You typically don't get that kind of customer service these days it seems. I would recommend Michael Hill highly for any of your mortgage needs and if I decide to refinance my home again, Michael will be the first person I reach out to. Thanks again Michael Hill and Ladera Lending!!! 1/21/2017 


Frank C.



Marlon Escota From Ladera Lending is a Very Good Asset to that team He walked us through the process and made every thing crystal clear ,Even when we were Not sure of all the Verbage in the lending industry he made us very aware.. never Ever Condescending.I want to Extend a Very warm Thank you to Marlon Escota and his Team Thank you very much Frank Conlon  1/13/2017 


Shar P.



We recently refinanced our homes with Ladera Lending Bob Young was our broker. He was extremely patient with us throughout the complete process. Bob worked with us for a whole year helping to get us ready to refinance. Each step of the way he provided the information needed to make refinance as smooth as possible. I enjoyed working with him because of the great customer service that he rendered. I happily refer my friends and family to Bob Young of Landera Lending for not only getting the deal done but for his guidance along the way. 1/9/2017 


Lynn B.



Ladera Lending is hands down the best experience we have encountered with refinancing. Working with Shawn Moore on two refinances has been excellent. He is on top of it, he guided us through every step of the way. He is professional and his customer service is by far the best ever. You are a customer once you make the first phone call whether you work with Ladera or not they are there for you. We will definitely call on Shawn Moore with Ladera Lending for future mortgage needs. Fair, honest and respectable and professional. Beyond satisfied customer. Lynn B CA  1/8/2017 


Sung S.



I refinanced twice with Patrick C. and he was the best. I highly recommend him and his company. 1/6/2017 


Adam K.



I just finished up my second refi with Marlon this month and let me tell you, it gets easier each time! When I refinanced with him a year ago I was not eligible for a conventional loan because of my layoff from the oilfield. A year passed with solid employment history and I called him up and within a few days we were ready to lock an interest rate. It was a quite painless experience; I was able to cash out some equity, refinance to a conventional and drop the PMI, and barely change my payment. I doubt I'll ever deal with a lender other than Marlon ever again! 12/28/2016 


R B.



Micheal Ton took care of me. Answered all my emails and phone calls when I had a question. Did a great and timely job. Thanks 12/22/2016 


Manjit T.



It was great working with Hiro Watari. Appears to be very professional, courteous, and competent individual. I would definitely recommend him and his to company to whoever is looking to refinance. 12/15/2016 


Steve A.



I've been working with Toby Rodriquez through multiple refi's over several years. He was always upfront, professional and efficient during the process and kept me updated throughout each step. He did a nice job explaining the financial climate and how it affected my loan. The processing department was very efficient too. I would recommend Toby and Ladera Lending for your mortgage needs. My wife and I are very satisfied. 12/12/2016 


Kirk M.



All we can say is WOW! The best and most comfortable experience we have every had. This was our first home that we purchased and have heard of so much horror stories with going through this process. Shawn and his team is spectacular! The process couldn't have been smoother and easier. The professionalism they give is second to none and the communication was outstanding. We knew what was going on from day 1 all they way till the loan closed. I can say with the most excitement in the world that my wife and are living with the in our first home and the experience couldn't have been better. There were times we got anxious with the finances, but we were able to call Shawn up and knowledge and understanding of our finances we provided him and his great knowledge of the lending industry, he was able to provide comfort for us to calm down with hard facts and numbers and make us know that everything was going to be perfect. In the end, it was perfect just as he said. Thank you to Shawn and the Ladera Lending Team everything. What a great way to end 2016 and enter the new 2017 year. 12/7/2016 


Mariam Y.



Marlon and his team are great. He provided me with excellent and quality service. The process of refinancing went very well. He was very patient and honest. Marlon is very professional and knowledgeable. I would suggest him to anyone who is interested in refinancing their house. 12/7/2016 


Michael M.



Brian Spinuzzi and Ladera Lending did a GREAT JOB on the refi for our house. Process was smooth and Brian is a true professional! Thank You very Much!!! 12/1/2016 


Karen C.



Shawn Moore is outstanding! We have refied our home before with Ladera and have always used Shawn. He is professional, knowledgeable and very friendly. My husband and I just retired and thanks to Shawn and Ladera we were able to get an even lower interest rate plus pay off all our credit cards and end up with some cash in our pocket. Great start to our retirement and the holidays! 11/30/2016 


Armando D.



Ladera help me refinance for the second time and everything went well, Brian got us a great rate and made the process easy ,I will use them again for sure in the future, I already told my friends my experience and recommended their service,!!! give them a call you won't regret it !!! Thank you ladera, well done Brian. 11/29/2016 


Charles D.



Brian spinuzzi was great answered all of my questions and displayed patience that I have never experienced going through a refill. He is the guy you want I will certainly contact him again when I need a true pro. 11/29/2016 


Stephen S.



Steve Fillet was a great help in getting my home refinance. He answered all my questions very clearly and in a timely manner. 11/29/2016 


Rhea D.



SHAWN MOORE is simple the best!!! I'm a first time homebuyer using a VA loan. Did not know how to go about it. Spoke to another VA lender before talking to Shawn, and Shawn had given me the breakdown on how the VA loan works without any shenanigans, and even utilized my benefits as veteran to my advantage. Hooked me up w/ a great agent too. Excellent in communicating on time w/ client-me. Very patient. Closed in 5 weeks as he promised. Pretty much did the impossible for me. My experience w/ Shawn was life changing. Would definitely recommend to fellow vet and colleagues! 11/16/2016 


Debby L.



I refinanced my rental property with Tommy Osborne. He completed the loan in three weeks where I have had experiences that took over four months. Tommy was a pleasure to work with, and was always very polite and professional. If In the future I am in the need for another mortgage I will definitely be calling Tommy at Ladera. 11/1/2016 


Tony A.



Whether you're looking to purchase or refi I strongly recommended Ladera Lending. My loan was anything but easy, I worked with Justin Hales and he kept me informed every step of the way. He found areas where my previous lender completely screwed me. He worked diligently to correct the issues with my previous lender and get my loan approved to my satisfaction. Justin Hales professionalism and dedication are second to none. I will definitely refer my neighbors and family members who are looking get their loans processed by a honestly hard working individual like Justin Hales. thank you! Thank you! Thank you! 10/18/2016 


Anita V.



Jason Hutcheon is SUCH a pleasure to work with. This is our second time working with Jason and each and every time he has OUR best interest in mind and always responded in a timely manner. Jason is very professional and easy to work with. If we need his assistance in the future, he will definitely be the first one we will contact. Thanks Jason! 9/27/2016 


Josh S.



Jason was great to work with. Responded in a timely and professional manner and was upfront and clear about everything. Very smooth process. 9/27/2016 


Bobby B.



I had the pleasure of working with Jeff Wade at Ladera Lending, and he made the refinancing process stress free by being in constant contact with me and was always available for questions, even after hours and on weekends. I shopped for my refi from other lenders, but when I had a chance to personally talk to Jeff, I chose Ladera Lending. I had a few obstacles and an appraisal that didn't go my way, but Jeff made the loan possible by working his magic. He was able to get my interest rate locked in lower than I expected and decreased my monthly payment by 5%! I recommend Ladera Lending to anyone needing a mortgage! 9/26/2016 


Prea R.



I would like to start by saying what a pleasure it was to refi 1 year old loan with Justin Hales! He locked us in at an exceptional interest rate and was always there to answer any question that we had day or night. We had shopped around with other lenders and told it wasn't possible but Justin made it happen for us. In addition he saved us quite a bit of money. I would recommend Justin and Ladera Lending to anyone who is looking for a professional team for there leaning needs! Thank you so much Justin, you are the best! 9/26/2016 


John S.



Andy did a great job. I had a bit of a tougher mortgage because I was over the $417,000 threshold and my house is technically a condo because of the way they divided the lots. Despite all this he came in much cheaper than everyone else and 50bps below where Wells Fargo currently had my loan. The process was very smooth and he kept me updated along the way. I was surprised by how fast we got everything done and funded. 9/21/2016 


Cecilia C.



This is the second time I refinanced with Shawn Moore and Ladera Lending (did the first two years ago). The lower interest rates and the increase in my property value made a second refinance very attractive. I find the interest rates very competitive and Shawn very accessible. Shawn was very prompt in responding to my questions and provided the information quickly. The second refinance was even easier as he had the majority of the information needed. I would definitely recommend Shawn Moore and Ladera Lending to a friend or family member. 9/17/2016 


Ken J.



We just locked a fixed rate VA loan with Hiro Watari of Ladera Lending. It was extremely easy and a pleasure to work with a friendly person for a change. I used to a customer service manager and would surely love to hire someone like Hiro. I would definitely use them again should the case arise. I would highly recommend to anyone looking to refinance there home or purchase one to contact Hiro at Ladera Lending. 9/15/2016 


Michael C.



We purchased our second home in 2015 and used Brock Amos as our Lender. Brock's customer service was phenomenal. Not only did he get us the lowest rate possible, he made himself available at all times during the day and especially in the evenings and late at night. He always answered our questions and spoke to us in layman terms so we completely knew all the aspects of our loan. Brock made the entire loan process actually enjoyable and I came away feeling like I got a great deal. In fact, Brock did such a great job that we just refinanced with him exactly a year later! Brock stayed in touch with us even after we closed our initial loan in 2015. He reached back out to us when interest rates were at an all-time low and of course we felt comfortable with using him again. He lowered our monthly payment to around 300 dollars and saved us over 240,000 dollars for the life of our loan. It is with extreme confidence that I recommend Brock Amos for all of your mortgage needs! Mike Chavis  9/14/2016 


Cherryl S.



We had a pleasure working with Steve Fillet refinancing our house. Steve was very helpful and he was able to get us through the process seamlessly. Steve seems knowledgeable and was able to resolve issues that came up as quickly as we can. Overall, we are extremely satisfied, thankful and would highly recommend Steve and Ladera Lending. 9/12/2016 


Tom D.



Just a short note to say what a great experience it was to refinance our adjustable rate mortgage to a fixed rate and shortening its length to 15 years. This was all done from the comfort of my easy chair and computer terminal at our home here in Glendale, AZ thanks to Patrick Creavy. He kept us informed at every step of the way and managed to expediently fix the few glitches we experienced at title closing. Ladera Lending is fortunate to have a skilled, courteous, and knowledgeable broker with Patrick on board! We intend to refer any family and friends needing the services of a mortgage lender/broker in the future to Ladera Lending and specifically to Mr. Creavy! Thanks to Ladera Lending and Patrick Creavy for the GREAT experience! 9/4/2016 


Walter O.



GREAT Job by Arturo Montalvo, Jr. We've been trying to re-fi the house for 6 years, but once we got with Arturo Montalvo, Jr and Ladera Lending, the job got DONE! He was patient and worked very hard to get around our insane busy schedules and make it all happen. We are VERY happy about they job that was done for us. 9/2/2016 


Gilbert L.



I was trying to refinance with Quicken Loans they only wanted to refinance with no money out. Andy Espineira not only got me money out but also a great rate. The people at Ladera Lending were great to work with, and they were fast in processing everything. Thank you Andy and Ladera Lending for the great job you did.  8/26/2016 


Keith V.



Brock Amos was our broker, & he was really efficient, courteous, and patient with us. He had our loan approved in essentially two weeks from when we started talking w/ him. It was a pleasure working w/ Brock, & it seems from the other reviews that Ladera is a top-notch operation. 8/26/2016 


Kristine M.



Me and my husband had a great experience working with Jeff Wade from Ladera Lending inc. We tried to do it with other lenders and none of them have been as successful and helpful as Jeff. He is a very friendly person and is very patient, so far everything is going smooth and he is working very hard to help us. We highly recomend Jeff to anyone looking for a good helpful lender. 8/23/2016 


Jay H.



Shawn has been a great assistance during the loan process! I was referred to him by my best friend. I've now used him for two loans and one refinance in the last three years. He's been extra patient with all my questions (even though I've purchased two homes, I still don't understand anything) and has responded via email during the wee hours of 3am to answer my question. My mother and agent were all on the email strings and are now using him as well to refinance their homes. Shawn, I don't know if you'll get to read this but again BIG thank you for all your help!! I really wouldn't have this new home with you; seriously. You went above and beyond to get my loan approved. THANK YOU so much! 8/12/2016 


Cam S.



I worked with Ladera Lending to purchase my home. I was referred to Gene Davis by a friend and was told that the process would be easy and if there was anything that I didn't understand, he could explain it in simple terms. Gene was amazing in this respect. Very patient and he got the job done quickly and professionally. 7/27/2016 


Criselda M.



Thanks to Andy Espineira who worked with me closely to make sure my refinancing was successful. I have all but given up on being approved what with my complications which all conservative banks turned down. 7/5/2016 


Phyllis M.



I just completed refinancing my mortgage with Patrick Creavy. Not only did he get me a really good deal but he was a pleasure to do business with. Would definitely do business with him again.  6/29/2016 





I take great pride in writing this review for Mr. Chris Coble of Ladera Lending for his professionalism and support as we managed through my new home mortgage process. Chris started off with a positive attitude and throughout some of the most stressful periods of underwriting process he went above and beyond to ensure that my prayers were answered as he held true to his pledge to me at the outset of qualifying for a loan. My hats off to Chris for an exemplary experience. I will recommend him highly to family and friends interested in a new mortgage in the future. Thank you Chris & your team at Ladera Lending for a job well done! Ms. M. Davis, Inglewood, CA 6/4/2016 


Tom H.



Andy Espineira handled my refi. He and his team did a terrific job in making the transaction easy and efficient. I highly recommend working with Andy as his professionalism and knowledge is second to none. 5/13/2016 


Teresa C.



I refinanced with Brian B. and I must say that this process was as smooth as it gets. I refinanced through someone else one other time and it was the worst experience of my life. Even though I am in the Central Valley and he is down south, he made it as worry free as possible. He is a busy guy, but, will stop and answer a question for you at any time. Kudos to Chris Campbell too. I highly recommend Ladera Lending and would not hesitate to do business with them again. Thanks for all you help!!!!!!!!!!!!  5/10/2016 


Melissa B.



Worked with Robert Young and what can we say? It was the easiest and fastest process we've ever experienced with purchasing/refinancing. He was on our side from the start helping us by being constantly available and answering every question we threw at him. Our loan closed in record time saving us almost $1,000 a month overall! Couldn't be more pleased with his knowledge, professionalism, and genuine effort he put out while managing to make us feel like real people not just another commission. Will definitely refer him to friends and family and come back to him for any future purchases. A +++ !! 5/3/2016 


Jackie M.



We just completed our refinance with Ladera Lending. Tommy Osborne, of Ladera Lending handled the refinance. Tommy was very knowledgeable and an extreme pleasure to work with. One of the best things about working with Tommy was his consistent communication with us during the process. I don't mean just e-mails, I mean real "old fashioned" personal conversation with us by phone. This way we were able to give and receive information in real discussion. He answered all our questions fully and in ways that we could clearly understand, and made us feel that he was there to help us get through our refinancing timely and efficiently. Whatever he said he would do, he followed through every time. Also, every day that I talked with Tommy he was very cheerful, personable and inspiring. It was a joy to talk with him every time. Even when a refinance issue would arise, Tommy always had good recommendations and skillfully and pleasantly addressed any concern we had to get to workable resolutions. Tommy demonstrated their desire and ability to make every part of the experience efficient, convenient, and pleasurable from application, to qualifying, to appraisals,to titling and escrow, to document signing and closing. I have always referred to mortgage financing as "financing Hell". In this case Tommy Osborne and Ladera Lending made our refining a pleasurable experience, and demonstrated that mortgage lending does not have to be a "Hellacious event". Thank you again and again Tommy Osborne and Ladera Lending. We really appreciate your great work. If every person at Ladera Lending is as courteous and professional as Tommy, it is not surprising that your company success as a mortgage lender thrives and should continue to do so.  4/26/2016 


Greg L.



This past week I went through the process and refinanced my home for the first time. I had the pleasure of dealing with Andy Espineira at Ladera Lending. Andy was impeccable. He made the process extremely easy and painless. The knowledge of the lending business was awesome. I would strongly recommend Andy to anyone looking to refinance. If you are thinking about refinancing, contact Andy! 4/7/2016 


Joshua C.



We refinanced with Nate McCabe in March 2016. This was one the MOST effortless and smoothest operations one could ever ask for. Nate was very personable, professional and explained EVERYTHING very thoroughly.. He was honest and explained every little detail.. He was available anytime I needed a question answered and it was such a pleasure to receive such great customer service. Nate ensured we received the BEST rate and got the most money back with no problems. Nate and Ladera constantly checked in with us to ensure we were satisfied and all our needs were met. Ledera Lending is an excellent company and will go to the ends of the earth to ensure that you are completely satisfied!!  4/6/2016 


T B.



This review is for the top Loan officer I have ever used, his name is Larry Mooshagian, from the first phone call he explained the process very well. This was a very difficult loan to accomplish but he was able to do it and we feel very great about it. We will recommend him to all of our family, friends and anyone we know that needs to get a home loan. He will be our loan officer for life. Thanks to Larry Mooshagian and Ladera lending we can now accomplish the goals we have for our home improvements and our payment went down as well. 3/31/2016 


Curtis T.



Shawn Moore and his team made it so easy. We called in from a flyer to remove our FHA PMI and were concerned we didn't have enough equity to get it done. Shawn went over many options in case my house didn't appraise high enough. I felt comfortable with all of the options and decided to proceed and pay for the appraisal. From starting to closing Shawn got this done in less than 20 days which allowed me to skip my next two mortgage payments and skip paying the PMI. Thanks Shawn for explaining everything up front and helping me make the decision to refinance. This saved me $390 per month! I will refer everyone I know to use Shawn and Ladera Lending.  3/31/2016 


Edward H.



This review is for Chris Coble: I've worked with Chris repeatedly.... why go anywhere else, when Chris takes of #1... which is me! Chris treats his clients/me with respect and honesty and then he goes the extra mile to make sure everything is to our liking. I will continue to work with Chris, because hes' the best in the business and above all else, he is a good person who won't do you wrong. Trust in Chris, he will save you doe and headaches! Thanks again, Chris for all you do for me! 3/30/2016 


Kamal K.



This is the second time I finance my home mortgage with Ladera Lending. Their commitment to customer satisfaction, their level of care, responsiveness and honesty is unequalled. Financing a home loan is one of the more difficult processes a person can go through, but the team at Ladera Lending took the difficulty out of it on my behalf. They scheduled all the events with the appraisals, the notaries, the title companies and the documentation, the payouts of existing loans. I was fortunate to work with Paul Lemerise, he didn't just come through for me but he really went the extra few miles. I have already recommended Ladera to friends and family and I recommend them to you.  3/27/2016 


Debbie F.



We refinanced our loan with Jeff Wade, I would highly recommend him to anyone looking for a broker, my husband isn't the easiest to work with and he took the time to explain all the steps and charges with a great deal of patience. He made the process very easy for us.  3/16/2016 


John F.



I worked with Andy Espineira on my loan. Was the smoothest and most efficient loan process I have ever had. Andy found me a fantastic rate and within 5 weeks of contacting Andy, I was funded. I never left the house, everything was arranged by Andy from the Appraisal, Loan Docs and even had the notary come to the house for signing. Highly recommend Andy for to anyone needed a home loan. Thanks Andy.  3/16/2016 


Redmond U.



Marlon Escota was great. He initially helped me with the refi of my old house. And then later on helped me with the 80/10 mortgage with my new house. It was a little tricky as I was turning the old house into a rental at the same time. Marlon kept track of everything and ensured it all worked.  3/13/2016 


Vicki G.



We have refinanced with Ladera Lending twice in the last three years. Colten Yoder was our "go to guy". He is a perfectionist to say the least. Both times our refinancing was a pleasant experience and a seamless process. Will we refinance with Ladera Lending again? You Bet! We have referred many family members and friends to Ladera Lending and they were all very happy with the services they received. They are a class act company. I give them 5 stars and a A+. Thank you Colten. Vicki G.  3/10/2016 


Veronica A.



We refinanced with Patrick Creavy. Probably the only man still alive that has the courtesy to meet with you at your place to not inconvenience anyone and help you out! He had all his ducks in a row! He says what he means! And if anything gets in his way he makes it work, he keeps his word! Everything was typed out and somehow in the end he made it all work out! He will do what he can to get you the BEST deal, the company has its policies so that's the toughest part to go around. ( that part sucks! ) Though if you work with Patrick, he will make it all work out like magic! It might be all those years of experience he has under his belt, plus the customer service is top notch! I hope to work with him again! V. ARCILA  3/7/2016 


Timothy H.



I highly recommend Ladera Lending and specifically Brian Spinuzzi. If you are looking for someone you can trust, look no further. He helped my wife and I on our first refinance and he explained it step by step. I never felt overwhelmed as I did when we purchased our home. I will be using Brian and Ladera Lending for all of my future loans. 3/2/2016 


Alisha D.



We used Scott Hemp at Ladera Lending to complete or new home purchase loan. He was recommended to us by our realtor and we couldn't be more happy. The interest rate he got us was lower than our bank and his service was impeccable. He even drove to his office on a Sunday night to update our approval so we could submit our offer first thing Monday morning. We will be recommending Scott to all of our friends and family. 3/1/2016 


Melanie T.



I wanted to thank our loan agent, Paulina Maleszewski, for doing a great job on our loan. All of the staff at Ladera Lending are professional and understanding. If I could refinance over and over again... I would call Paulina each and every time! thank you again  2/29/2016 


Jeff B.



This Review is for Chris Coble Mr Coble was fast professional and always available, job well done. Chris Coble had a client that posted his personal phone number to call if you have questions about Chris, so I called. what I found was a very happy client that has high regard for Chris. his client told me the story about how nobody could get his loan done, but Chris figured a way to help this man. I knew that was what i was going to need as well. I am Glad i did, Chris Coble exceeded my expectatctions by far. I will be another Client for Chris Coble for life referring all my friends and family. I have referred already some of my friends to Chris. Thank you.... People he is the real deal CALL HIM (714-615-0430 Chris Coble) Thank you again for all your help Jeff B. 2/29/2016 


Stephanie B.



Josh Stuart and the team at Ladera Lending just funded my loan for my home for the second time. The whole process went very smooth and gave me rates that were better than I expected. Josh made himself available to answer any questions. I couldn't be more impressed with his professionalism and his knowledge. I would not think of going through anyone else and I wanted to give Josh and Ladera Lending the five star review that they deserve!  2/29/2016 


Sher V.



If you are looking to Refinance you're home you Better call Paul! Paul Lemerise will give you the best rate possible and the loan process so easy. He will respond immediately to any of your question or concern. I recommended him to my coworker and my coworker was very pleased. 2/29/2016 


Evan C.



I've worked with Paul Lemerise twice as of this review. The first time was a cash out refinance in 2015 for home improvement, and the second was to obtain a lower rate in 2016, which will end up saving me about a hundred dollars on my monthly payment. I trust Paul - he's a no nonsense kind of guy. He gets me the information I need to make the right decisions and keeps me well-informed throughout the process. He's friendly, down to earth, and able to make things simple for a knucklehead such as myself. Really appreciated him keeping an eye out for me and letting me know when market conditions were ripe for my 2016 refinance. Highly recommend both Paul and Ladera  2/29/2016 


Paul L.



I worked with Paul at Ladera Lending several times and each time the experience has been an excellent one! Thank you for all that you have done in my refinance process. Always a pleasure doing business with you! 2/29/2016 


R M.



This is the first review I have done on yelp. I normally wouldn't spend a lot of time reviewing anything, but in this case, I had to make an exception. My husband and I are both working long hours and have very little free time. Darcy had been diligent in calling us to refinance our fha loan but we really didn';t have the time we thought it would take to refinance. 3 weeks later, our loan was done! She made it easy and kept us informed at all stages. She answered all of our questions and made everything a lot easier than we thought. We ended up saving over $300 a month on our mortgage payment! I'm so glad we refinanced and so happy that she worked so hard for us. We really appreciate everything she did for us!  2/29/2016 


Frank C.



Ladera Lending and Brock Amos, helped me refinance, when others denied my loan. Brock Amos is the most knowledgeable and helpful Loan Officer that I have met. He was actually able to deliver a lender credit, so I had a no cost loan. The process, for a refinance, was by far the easiest loan I have ever done. I feel very fortunate to have found Ladera Lending, and will recommend them to my family and friends.Give Brock Amos a call, he is kind, patient, and the best person that I have talked to regarding a new loan. 2/29/2016 


Martha R.



Ladera Lending is great! I really enjoyed the personal service that Larry and his office staff made me feel through the refinance process of our home. Larry was always calling to make sure I was kept updated of where we were in the process. I would definitely recommend Ladera Lending to any friends and family. If you are looking to refinance your mortgage, look no further. Ladera is the company for you! Thanks again Larry!  2/27/2016 


Sharon G.



Toby Rodriguez at Ladera Lending was simply amazing! He helped us with a cash out refi on a short sale home we purchased 3 years ago. At the time we bought the house, it had been vacant for 2.5 years and was in deplorable condition. We spent every cent we had (and more) bringing it back to life. Thanks to Toby, we were able to realize some of that sweat equity and refinance to a better interest rate plus get the cash to finish our last project - the master bath remodel. We can't say enough great things about Toby, he is super bright, knows the mortgage business inside and out and was always quick to answer the phone or call you back. 2/25/2016 


Karen L.



Marlon Escota with Ladera Lending is amazing! He kept me informed every step of the way with my mortgage refinance. Explained everything so I could understand. I would recommend Marlon Escota and Ladera Lending to everyone that is looking into refinancing their home.  2/25/2016 


Tim C.



I had a good experience with LADERA Lending and Nathan McCabe. Nate got us a reverse mortgage. It is the right loan product for us and is saving us money as well. The paperwork can be tricky and cumbersome and Nate stayed on top of every detail to close our loan. That type of attention to detail is critically important. Five stars for LADERA Lending and Nathan McCabe !!!!!  2/24/2016 


Stephanie B.



Can't say enough great things about Josh Stuart! He handled my refi in a professional manner and made the whole process so easy and stress free! This is the second time that I have closed a loan with Josh and couldn't imagine going to anyone else. He always made himself available to answer any questions. I saved money and got a great interest rate! Thank you Josh and Ladera Lending for providing EXCELLENT Service!  2/23/2016 


Meg E.



Ladera Lending is AMAZING. Especially Josh. He absolutely held my hand through the entire process. Any question I had...at anytime...He answered. He even contacted me after we bought the house, because the interest rates dropped and he thought he could save us more money. We ended up saving about $200 a month. That is what I call customer service.  2/23/2016 


A K.



Nathan was extremely knowledgeable, made us feel confident in our financial decision to refinance. The process was painless and easy. Our financial goals will be met we're very pleased and happy with our decisions and the process that got us here. We highly recommend to our friends and family this company and the agent that we used.  2/22/2016 


Alex M.



Shawn Moore from Ladera Lending has provided EXCELLENT Service Shawn Moore from Ladera Lending has helped me from day one. With everyone else calling me to push an agenda, score me as a customer, or just push push push a sale, but Shawn was patient with me and instructed me all the way through the process. He even allowed me to go out on my own and verify everything that was on the market to ensure he could provide and deliver on the interest rates and timelines as promised. That's why I keep coming back for my future needs. Here I know I will not get the run around and know all my needs will me met with integrity. Thank you so much! Shawn and Ladera Lending! 2/22/2016 


Tom H.



Miracle Worker!!! My name is Tom H. and I have been a realtor for 40+ years. I am always reluctant to refer my clients to any one mortgage company or person until now. Andy Espineira and his staff did an amazing job! I was in escrow for 45 days when my client's lender finally decided to deny the loan (it was chase). I got an extension for 21 days after Andy looked at the package and told me he could do the loan. It was a low fico score deal going FHA. Somehow he pulled off a miracle and got the loan funded under our 21 day extension period. And on top of all that, my client got a better rate with lender credits to help pay their closing costs. My clients thank you for a beautiful new home. I would give you 10 stars if I could. 2/22/2016 


Miguel L.



Let me start by saying Jeff Wade did an amazing job through the whole process of my refinance. Jeff explained all information throughly and never raised a doubt in my mind. He kept me updated, and I never had a difficult time to get in contact with Jeff. I must say, the service provided was pleasant and very satisfying. I would definitely recommend Lader Lending, Inc. and Jeff Wade. 2/21/2016 


Mikael H.



I used Ladera Lending for refinancing my home mortgage. Jason Hutcheon was very clear in explaining my options and the process. Jason responded to my emails in a very timely manner, and has since been able to answer any questions I may have. 2/21/2016 


Rebecca N.



We worked with Christopher Campbell about 7 months ago and were happy to hear from him when he called to tell us that rates had gone down and he could refinance us to the new lower rate with no cost. He explained the process again and made us feel excited to get started. Our loan should be done by the end of the month and Chris has just been the best! 2/16/2016 


Karey D.



Finishing up our second refinance with Ryan Onaka and I have nothing but good things to say about him! Working with him and his team has been a pleasure. They are efficient, friendly, courteous and most of all- they get the job done! So thankful for the little postcard I received in the mail some years ago directing me to Ladera Lending!!! 2/16/2016 


Dianne W.



I would and have recommended Ladera Lending to everyone, especially Nathan McCabe. He helped me and my husband with refinancing. He answered all our questions professionally and assisted us through every process. He was very caring and totally honest in regards to all our needs. A rare find these days. Thanks again Nathan McCabe and Ladera Lending 2/10/2016 


Jose L.



Jason Hutcheon it was truly a pleasure working with you on my Streamline loan thanks for being on top of it, Although we had a few obstacles with the liens that were found when we where about to close. Looking forward to go conventional ASAP great job Jason. Sincerely Jose Loza 2/4/2016 


Emil C.



I've had the opportunity in knowing Robert Young for almost 3 years. Not only is he an amazing and very professional mortgage broker, but he is an amazing and genuine individual. I met him through a good friend of mine in San Diego, CA. He helped me in refinancing my townhome located in Escondido, CA. He went above and beyond to give me the best rates he can find. During the stage of being overwhelmed with FHA costs and an HOA fee, Robert helped me lower my monthly payments and saved me hundreds! Taking away the PMI and not to mention giving me a great interest rate. The man, is truly a lifesaver. I cannot thank him enough with his efforts and professionalism.During this past month my fiancee and I have relocated to Long Beach, California looking forward to our next venture in starting a family and looking for another home. I've contacted Robert with our current plans and he is now, again working above and beyond in helping us with this new journey. As a radiation therapist, working long hours and giving my undivided attention to patients and their care in the hospital setting, Robert is currently giving me the peace of mind to move forward in the new chapter of my future family home. Thank you so much Robert, and I'm sure you'll be helping others such as my fiancee and myself, to find the right home at the right price. And thank you Ladera Lending for such great service! 2/1/2016 


Paul B.



I would like to share my great experience with Patrick Creavy at Ladera Lending. He helped us refinance our home in a very quick and painless way. He explained all the details and options open to us and was very accessible. He even took my calls on the weekends. Being a business owner brings additional hoops to jump through when refinancing, and Patrick did a fantastic job of walking us through this in a simple way. He is very genuine and great to work with! I've already referred my business partner to him. Thank you Patrick for all you did. Paul 2/1/2016 


Jeff B.



What a great experience! I went into this process being a bit of a Doubting Thomas and came out a huge fan - all because of Jason Hutcheon and the team at Ladera. I've always done loans "locally" and with people I've know in the business. Although I've been through the process many times before, this was my first mortgage completely done over the phone and online. Needless to say, it was a leap of faith for me. Jason patiently guided me every step of the way and was a saint when it came to answering my myriad of questions. 1/30/2016 


Steven E.



I was initially skeptical when I was cold called by Ladera Lending, however after comparing refi estimates refi with those from my original lender I decided to give it a shot. My refi was handled by Brian Spinuzzi and he was very patient explaining the intricacies of the refinance proccess to me and was always ready to given me extra information when I requested it. He even provided me with his home number which was useful when I needed a last minute clarification during the document signing. I was very happy both with the loan and the process and I highly recommend Brian and Ladera Lending. 1/29/2016 


Tracy M.



I had the pleasure of working with Larry Mooshagian, the process was simple and fast, got a great rate and saved 400 per month. I will definetly be refering Larry Mooshagian and Ladera Ladera lending to all my friends and anyome that needs a new mortgage. 1/29/2016 


Hilary C.



I just want everyone to know LaderaLending is a place to get a new home loan. Brock Amos made the process seem like a walk in the park. Brock was always available, returning calls promptly and providing answers to all our questions. Brock attention to details and follow through was "Service Excellence". Thank you.  1/28/2016 


Kim O.



I recently had the pleasure of working with Christopher Coble at Ladera Lending, Inc. Chris helped my husband and I refinance our house. It was a very complicated refinance and I was fairly certain we would not have a successful outcome. Chris worked with us through every step of the process. He was always available to answer questions we had and made the process a smooth one for us. Chris was always one step ahead of the game and was able to fully prepare us for everything that happened. His advice and reassurance throughout our refinance were a blessing to my husband and I. I would highly recommend Chris Coble to anyone in need of mortgage services. His knowledge and expertise of the business are a huge asset to any client he works with. He absolutely worked a miracle with our refinance! There is no one else I would use besides Chris!  1/26/2016 


Debbie S.



Working with Brian Brown and the staff at Ladera Lending was a great experience. They treated us like family and worked with us through all of the hurdles we came up against during our refinance. Brian paid particular attention to details and was sure to keep us in the loop via email, text and phone calls. Overall, their team was a pleasure to work with and I look forward to doing more business with them in the future.  1/26/2016 


Maria S.



Thank You Paul Lemerise and Ladera Lending! I want to say that working with Ladera Lending was a pleasant surprise, the whole experience was surprisingly quick and easy. I received a rate that was better than expected, and Paul was more than thorough and updated me regularly with the status of my loan. I never waited overnight for an answer to a question. It was nice to do much of the process through email. If you ever need to refinance, I highly recommend Paul Lemerise at Ladera Lending  1/26/2016 


B E.



I talked to Darcye in hopes of refinancing my FHA loan and to get some money out to do home improvements on my rental property. She was patient, communicated with me throughout all phases of the process, and made it EASY! Like me, most people think of refinancing as stressful and time consuming, something you really try to avoid, regardless of how much money you can save. In my opinion, refinancing is stressful if you deal with anyone other than Darcye and Ladera Lending. I really want to thank Darcye and her company for helping my family!  1/25/2016 


Michelle V.



I had an FHA loan that I wanted to get out of and get into a conventional loan. My friend who used Ladera Lending in the past recommended that i give her loan officer Greg Krol a call and see what he could do for me. Not only was he able to save me about $300/month but I was also able to take $20,000 cash out to do some home repiars and pay off some credit card debt. Very happy with the whole process!  1/25/2016 


Sarah F.



Shawn Moore and his team were amazing. We spoke about 8 months ago when I called him and we went over all of my options to refinance to get rid of my PMI and get out of my FHA loan. At that time we determined I didn't have quite enough equity and he promised he'd watch the market and sales in my area and call me when it looked like I had 20% equity. He stood by his word and called me letting me know a couple of homes in my area have sold and now is the time to refinance. I was amazed at his honestly 8 months ago and his follow up after. He saved me over $385 per month and I couldn't be happier. Thanks again Shawn, I will definitely be referring you to my family and friends!  1/25/2016 


Ricky D.



Dennis Lake, from Ladera lending helped us refinance our home to a much Lower interest rate. He guided us through the the process step by step. It was a very pleasant and learning experience. Mr Lake kept in daily contact with us with the latest updates on our loan. I would highly recommend Ladera Lending and Mr lake for their great care and service. They were very professional from the beginning to the end of our journey to much greater financial Security  1/21/2016 


C L.



I recently had the pleasure of closing my re-fi with Ladera Lending. Paul Lemerise was our broker. Paul is very helpful and was always available to answer any questions or concerns that I had. Our loan closed on time and at the interest rate quoted by Paul. I would recommend Ladera Lending and Paul Lemerise in particular. Thanks Paul!  1/21/2016 


Randall F.



This review is for Chris Campbell. He helped me and my wife get the loan we were looking for at a rate no one else could give us. It was evident that he was working hard behind the scenes to get it done, and made the process easy for us.We would definitely recommend Chris at Ladera Lending to our friends and family.  1/18/2016 


Mike V.



This was our first refinance. I must admit we were unsure of what to expect Tommy at Ladera lending immediately put us at ease . His step by step explanation of the refinance throughout the entire process made this a pleasant experience. We highly recommend Tommy and Ladera lending to get the job done. Thanks again!!!  1/17/2016 


Dave Y.



I was prompted to write this review due to the excellent service I received from Jeff Wade and Ladera Lending. It is not often these days that you can say that. Jeff was a great communicator throughout the process. He was very patient with me over the course of the project and took his time to educated me along the way. Not only did I end up with a great rate and a great loan I now feel I better understand the loan process. Thank You Jeff! Dave Y.  1/16/2016 


Maria D.



Exceptional personalized customer service was provided. I highly recommend this company. Eric Barlett, the loan officer, was one of the best loan officers I have ever worked with. Thank you for making this process smooth.  1/14/2016 


Dani W.



Chris Coble you get ten stars in my book. you were fast professional and friendly. I feel I made a true friend. can't believe with only a phone and fax machine and a notary to my door I got good deal on my home refi Chris took me through the whole process with ease, and I made a friend along the way please people give Chris Coble a call I think you find a true professional and friend.  1/11/2016 


John E.



Scott Hemp with Ladera Lending is a true professional. He delivers in what he promises with no hidden extra fees or points. Scott is courteous on the phone and to the point with what he needs to deliver the loan products. I only go to Ladera Lending for all my Mortgage services needs and I would recommend anyone to use Scott in the future!  1/11/2016 


Jerry T.



Excellent Job completing my loan. This lender successfully funded a loan which was denied from other banks. Thanks Again.  12/29/2015 


Carolina O.



I highly recommend them especially for assisting Vets. Tommy was awesome in getting me refinanced even with my bad credit....Merlin  12/16/2015 


Angie K.



The process of a new home is never fun but thanks to Ladera Lending and especially Michael and Meagan mine is done. It's nice to have a local company with helpful employees there to answer your questions & get you through it.  12/11/2015 


Rik W.



Jeff Wade has been in the mortgage business for years and knows how to make the process roll along smoothly. He will walk alongside you every step of the way. Not a high-pressure guy at all...friendly, available, and caring. You want someone who will take a personal interest in your needs and that's the way he approaches his clients. You'll be happy working with him!  12/9/2015 


Vicky V.



This is the 2nd loan Tommy has done for us. Both times we were guided through the process step by step. Tommy kept us posted with updates and was always available to answer any questions or concerns. Tommy and the team at Ladera Lending are professional, fast, and personable. Give them a try- you will be glad you did. Thanks Tommy and team Ladera!!!!!!  12/8/2015 


Patti A.



This review is for an individual, Scott Hemp, only. This is the third loan I have negotiated through Ladera Lending. Scott is knowledgeable, responsive and totally understanding of his client's needs. He guided me through the labyrinth of the changes in the mortgage process, Scott responds to emails, text and phone calls immediately and with calm professionalism. I would recommend working with Scott on any of your mortgage needs!!  12/8/2015 


J W.



Ladera lending is awesome!   12/7/2015 


Kevin C.



Having been a realtor and involved in buying and selling property for 25 years I have come across many lenders. Meeting Scott Hemp at Ladera Lending has been a true blessing. Scott has not only bent over backwards for my personal purchases and refinances he has also taken such good care of my client's needs that I feel confident recommending not only the easy transactions to Scott but everyone in need of financing. He does what he says he's going to do and in this business that is critical. With the timeframes and most recently the new TRID guidelines my confidence in Scott has been proven time and time again. I highly recommend Scott and his team of true professionals.   12/7/2015 


Sebass M.



A huge thank you to Shawn and his team! I was relocated a few months back from the Midwest and the sticker shock of the home prices really had me nervous about buying a house. I was introduced to Shawn through a friend at work that used him multiple times. I called Shawn and spent about an hour going over all of the different loan products and rates. I finally found a house 5 months after our initial conversation but Shawn stayed in touch and even sent me multiple preapproval letters every time I made an offer on a house. He even went into the office late one Saturday night to send me an updated preapproval letter for a property I was going to make an offer on that following Sunday. His commitment to his clients and his support staff is far more than I could ever ask of anyone and in the end he made my family's dreams a reality and he'll be my mortgage guy for life. Thanks again Shawn and Ladera Lending.   11/30/2015 


Kristy J.



I would like to share my wonderful experience with Paul Lemerise. He helped me and my husband refinance our home in a very quick and painless way. There were no gimmicks; he took his time with explaining any details of the loan, and even took our calls on the weekends. We were traveling out of state during the weekend so he had the notary come to us at the hotel to sign all the papers. He is truly a very genuine, honest person to work with. We referred my mother-in-law to him as well to help in her refinancing of her home. Thank you Paul for making refinancing a breeze. Kristy   11/28/2015 


John S.



Without question Ryan is the best friend anyone can have when refinancing a complicated loan. I just finished the process and couldn't have done it without Ryan's guidance and expertise. Not only did he handle the process well but he was able to handle, what at times was challenging I'm sure, me. This was my first refinance and involved the IRS, Liens and the uncooperative credit reporting bureaus. Ryan was able to guide me through the process while maintaining his professionalism and great customer service. In the future I may have need of refinancing again and I can assure you that there will be only one person I call. Thanks for everything RYAN   11/24/2015 


Matt and Kim C.



Paul Lemerise is the man! My wife and I refinanced 2 properties with Paul in October - both went thru without a hitch- and we are just finishing the finance of our dream home with him. With everyone we are dealing with from escrow to real estate agents, Paul is the one we count on to push it thru. He answers the phone 90% of the time and calls back within an hr if not. We would absolutely recommend Paul and his team to anyone, from a first time home buyer to a seasoned vet with multiple properties in their portfolio!   11/23/2015 


Stevie M.



My personal experience with Ladera Lending was positive and pleasant because of my loan officer Ryan Onaka. My initial thought on going through the loan process was that it was going to be difficult and frustrating but Ryan walked me through the steps and helped me understand everything that was going on. Putting aside Ryan's role as a loan officer, he is a very genuine, honest, and friendly guy and I can guarantee anyone a successful and great process when working with Ryan.   11/23/2015 


Branko M.



Jason Hutcheon is your person at Ladera Lending to call on for your loan needs. Jason, thanks so much for getting us a loan that we feel comfortable with. Life is soooooo much easier nowadays with low monthly mortgage payments. thanks for your professionalism! All the best!   11/14/2015 


David C.



Larry Mooshagian is a great person to work with. very helpful and went above and beyond in helping us with our refinance and made the process painless. I highly recommend using Larry Mooshagian with Ladera Lending, Inc.   11/13/2015 


Scott J.



I had a question about qualifying for a home loan so I went to Larry Mooshagian. His knowledge of the mortgage industry is superior to that of other lenders I've talked to in the Corona area. He showed me that in addition to a low interest rate, I should expect more from my mortgage professional like timely updates, ease of communication (call, email, text), fast response time and a professional team that can help my home loan process faster. Although I didn't qualify for a home loan he advised me on what to do in order to qualify in the future and I will definitely be calling him to lock in that low interest rate!   11/12/2015 


Lacey T.



My experience with Ladera Lending was enhanced by the level of service I received from Marlon Escota. He kept me posted and well informed every step of the process. I would highly recommend him to anyone interested in a refinance or purchase.   11/12/2015 


Josefina S.



This review is for Josh Stuart who helped me twice in refinancing my property. My experience with him was great because he explained to me in full details the different programs they had. He was honest & took his time in explaining the various loans & the one that would be best for my scenario. He was efficient, very knowledgeable & kept me updated, with my loan status. And so because he was proactive & on top of my 1st mortgage loan transaction, I decided to re-financed my property the 2nd time around thru him. Thank you so much for your superb help. Will not hesitate to use you again nor to recommend your service to my family and friends.   11/10/2015 


Matt M.



I worked with Gene Davis and highly recommend him to anyone looking to secure a home loan. His knowledge and professionalism are second-to-none and he made working with Ladera Lending the best experience of my 10+ years of working with lenders. Gene's honesty and work ethic, coupled with his in-depth understanding of the lending process, makes him far and away the best Mortgage Banker I have had the pleasure of working with.   11/9/2015 


Sarah B.



I was very pleased with how quick the loan process took with our loan officer Jason Hutcheon. We were able to close our loan in 3 weeks & the processing team always called & emailed us back whenever we had questions. I would highly recommend Ladera lending's services to any of our close family & friends!   11/5/2015 


Lills L.



I have to say that Darcye and the people behind her at Ladera Lending are OUTSTANDING. From the very beginning we were informed of the process and what steps were needed to complete our refinance. We had been talking to a few different brokers we had contacted to get out of our FHA loan and really weren't too sure of what to do. Darcye seemed to take control of the situation and broke it down for us so we knew exactly what we needed to do. As overwhelmed as we were, she handled every situation, every question with knowledge and expertise. We were able to save over $400 on our payment! Great job, Knowledgeable, and will definitely refer my friends and family. Thank you, Darcye   10/30/2015 


Don D.



Hello, my name is Don Dedeaux. Chris assisted me a couple of years ago and is now helping my daughter refinance her home. He is very honest and will work very hard for you. He did what 4 other Brokers promised but couldn't produce. Chris is very honest and will provide you with "WORLD CLASS" service. He keeps you informed and if a problem comes up he will help you to resolve the issue. I highly recommend Chris to all my friends and family. If you want to hear more call me (714) 287-0117 cell (This is the frist time i have given my phone number out for anyone to call me about Chris. That's how much i think about him & his work ethics.   10/30/2015 


Anadelia G.



I want to thank Chris Coble from Ladera Lending for all his dedication, patience and expertise during our latest refinancing process. He did an outstanding job!!! Chris was a very diligent person who took the time to explain step by step all the process so you can feel you have a good agent on your side right from the start. Chris is a very positive and friendly person able to communicate clearly all the details, in a very honest, professional and direct way, this is a key factor that makes a huge difference. I highly recommend Chris Coble to be your agent, you won't be dissappointed. Warm regards Chris! Thank you for your service! Sincerely, AnaDelia   10/30/2015 


Floretta C.



My Husband and I had been through this process with several other lenders over the last year or so but Chris Campbell really worked so hard to make this happen for us. I cant say enough good things about him, he stuck by us, worked weekends, he even came to our house to meet with us and pick up the documents he needed. He really went above and beyond for me and my family and I will be sending all my friends to him in the future. Great Job Chris!   10/29/2015 


Jesus C.



Brian Spinuzzi was extremely helpful and very reliable. Whenever needed, he was always there to assist and explain the whole process thoroughly.   10/28/2015 


Jamie H.



Ladera Lending Inc and the Brock Amos the loan officer who helped us get our house refinanced did an absolutely fantastic job. Brock was up front and told me everything that was going on with my loan so I didn't have to call everyday. 3 weeks is all it took to get our loan refinanced. Thank you Ladera Lending and Brock for getting this done for us so quick. You rock.   10/27/2015 


Zach S.



We are very happy with Brian Spinuzzi and his company... they did an excellent job with our refi. Thank you all for everything.   10/25/2015 


Alan C.



We have just completed a refinance with Paul Lemerise of Ladera Lending and could not be happier. Paul was knowledgeable and easy to work with. He was accessible and did everything possible to make this an easy process. We have done many refinances over the years and this was by far the easiest. We were out of state most of the time and, with Paul's help, everything still went smoothly. We will definitely use Paul and Ledera Lending in the future.   10/21/2015 


Johnnie G.



Ace Gets it Done!! Me and Wife Robin are so thankful for the service and honestly Ace provided for our refinance this summer. He took his time explaining everything about Mortgage Loans. After a few conversations we felt like experts and were able to make an informed decision about the type of loan that would best suite our long term goals. We didn't get pressured in any way, instead Ace showed us how we could use our home to pay down debt while shortening the mortgage term at the same time. We are nearing retirement age and this refinance fits perfectly with our plan. We especially appreciate how Ace went over our Final Loan Documents before we signed and even sat by the phone in case we had any additional questions. We feel like we gained a new friend in Mr Ace as he checks in on us every so often, and we know that whenever it comes to mortgage loans we can call our "Ace in the Hole" :)   10/18/2015 


Bruce And Janet B.



This review is for Andy Espineira, our loan officer with Ladera Lending From the very beginning, Andy was very professional and concerned with our needs and questions. I had a lot of questions and he always answered them. I never felt like he was too busy for us. The whole process was expertly handled, almost seamless. We are very pleased. If we ever refinance or purchase another home, Andy will be the first one that we call. Thanks Andy!   10/16/2015 



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Ladera Lending, Inc. NMLS #835555
555 Corporate Drive, Suite 215, Ladera Ranch, CA  92694
Toll Free:  (800) 556-1915