Great results from home re-financing Worked with Mike and Tom on a re-fi and it ended up working out great. Got an incredible, low interest rate and they were able to push it thru a very difficult underwriting process. Thank you guys, really appreciate your hard work to get this one done! And before the end of the year was even better!

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!

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!

I normally do not give reviews but in… I normally do not give reviews but in this case it is my pleasure. Tom Navaro and his team at Cal Loans Direct did a excellent job in obtaining my loan. Tom stayed in touch during the entire process and was available at all times to answer all my questions. I have been in and around the consumer finance industry since 1969 and I have never seen a company do a better job. I highly recommend anyone looking for real estate financing to use Tom and his team at Cal Loans Dircet.

Great communication, closed ahead of schedule I called Mike out of the blue one evening, after shopping intensely for the best interest rate we could comfortably afford for a SFH purchase. He was very receptive to helping me, and he listened to what we were looking for. My main issue with speaking to other lenders/loan officers was the BS they would insert into the conversation as to why I should go with them - basically the long used car salesman pitch. I got none of that from Mike. He was concise and straight to the point with exactly what we would be getting from Cal Loans Direct and the Lender, given our circumstances. They offered us the lowest rates we could find, but what really won me over was the transparency and openness we got from Mike and his team. He was very responsive via phone/text/email, answering questions throughout the process. We closed ahead of schedule and without a hitch. I absolutely recommend Mike and Cal Loans Direct for any purchases.