After researching several VA specific… After researching several VA specific lenders, Mike and his team were able to help me with my VA Re-Fi and beat those others by almost a full percentage point, with lower costs too. One weekend I had a question about some paperwork so I called to leave a voice mail. I was surprised when Mike answered from a golf course and had his processor send over the needed papers within the hour. I can’t tell you enough how much I recommend Mike and his team at Cal Loans Direct. They took an overly complicated and often stressful process and made it super easy.

Tom Navarro is the best!!! Tom Navarro is the best in the business! He is extremely helpful, attentive, responsive, focused, knowledgeable, and always available. He is very well informed in all areas and provides a great service while also helping his client get the best! He was highly recommended by a few friends and I can totally see why. I appreciate all of his hard work and dedication to make everything happen with such ease!

Tom has been my loan guy for the last… Tom has been my loan guy for the last purchase of my home and my refi... he made the process so easy and quick! He’s so knowledgeable, reliable and most importantly he was upfront with all the cost/fee from the beginning. He would answer all my questions within minutes if not seconds from my texts/phone call. Overall, I’m very satisfied and happy with the work that they provided and highly recommended!

Michael Combe is the best! Michael Combe is the best! Is an understatement....He was able to help with refinancing an existing property while also getting me a great rate for a new home purchase. Clear communication the entire time, availability when I needed him, honesty, and closing on time. What else could one ask for in a lender? Highly to recommend and would work with again in a heart beat.

Tom is incredible to work with! Tom is incredible and we feel fortunate to have worked with him on our loans. He is extremely knowledgeable, thoughtful and strategic in helping his clients secure the best loans at the best interest rate. We worked with Tom to find the best lenders, and he always went above and beyond to find us the best rate. He was always transparent and made sure what he said is accurately reflected on the loan estimate. His communication was top-notch and always willing to clarify or explain something in the lending process. In the complex and often confusing world of loans and interest rate, Tom and Cal Direct Loans are a true gem! We highly recommend him and look forward to working with him again!