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.

Tom Navarro is the best!!! Tom Navarro is the best in the business! He is extremely helpful, attentive, responsive, focused, knowledgeable, and always available. He is very well informed in all areas and provides a great service while also helping his client get the best! He was highly recommended by a few friends and I can totally see why. I appreciate all of his hard work and dedication to make everything happen with such ease!

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!

Best Way to Refinance! It was such an easy process to refinance online with the help of our loan broker! We still had immediate and close contact with him, and all paperwork was submitted and finalized electronically. We were able to do this based around our own schedule. This is definitely the way to go!

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 .