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!

Entire process was very transparent Entire process was very transparent. I was given best rates on any given day and all of my questions were answer .

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!

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.

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!