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.

Cal Loans Rocks! Mike from Cal Loans was very responsive and professional. He thoroughly explained the process and answered all my questions in a straightforward manner and was very transparent which earned my trust. Additionally, Mike kept me apprised at every step of the way so that there were no surprises and no delays. A+ service. Would highly recommend for all your 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 .

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!

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.