Tom at Cal Loans is 5-Stars PLUS Rates were good and I decided to look into refinancing. I found Tom Navarro through a quote request I made through bankrate.com, which is a reputable website. Tom was extremely responsive and efficient with his communication and handling of paperwork. I am also extremely confident I got one of the best deals I could working with Tom (best rate/lowest closing costs) as shopping around with the big banks was consistently more expensive. Tom is professional, courteous, and was able to get me results! Five-star PLUS.

Easy thorough process Easy thorough process. Tom Navarro of Cal Loan Direct is the best loan officer I’ve ever worked with. The process is completely online but Tom is very responsive Answers every email,phone call promptly. Addresses any concerns to complete satisfaction

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 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!

Tom Navarro - GREAT SERVICE! Tom Navarro - Excellent Service! Tom was extremely helpful, responsive, and knowledgeable in all aspects of the process. Everything went smooth like butter with all of our questions answered promptly. Couldn't have been happier. Thanks Chris M.