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 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!

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!

Fantastic ReFi Experience with Cal Loans Direct! I had a great experience refinancing with Tom at Cal Loans Direct. Throughout the entire process was professional, proactive, and friendly. He secured us a fantastic rate and made the process as easy as it possibly can be. He was very responsive and answered big and small questions in a timely fashion. I am very glad I found him and plan to work with him again in the future!

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.