It's been a pleasure working with Tom… It's been a pleasure working with Tom Navarro. He was so helpful with the refinance process, and answered all my questions, and there were many. He is a true professional and gentleman. I shopped around extensively for the best rates and not only got the best rate, but exceptional customer service. I will definitely be returning as a client should I need mortgage/refinancing needs. I'm a happy customer!

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 is the B.E.S.T! When we found Cal Loans Direct, Inc., through interest rate comparisons and reviews, Tom Navarro stood out as a person with integrity and great service. Our experience with him was even better than expectations from reviews! He was personable, prompt, patient, knowledgeable, and helpful at every step through both the mortgage application and home buying process. We will definitely seek Tom’s help again for any loan needs!

First Class Service Tom Navarro is a consummate professional. He took the time to explain every nook and cranny that I inquired about. Unlike other brokers in the past where I struggled to get straight answers, Tom was very concise and straightforward. Process was forthright, coherent and painless. Had a real sense that Tom was doing everything in my favor. Will be recommending to others! Thanks Tom!

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!