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!

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!

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!

Tom made it an easy process and felt… Tom made it an easy process and felt like he truly was on my team to help us through this first time purchase. We greatly appreciate his dedication!

First time for online mortgage refi First time we have ever dealt with mortage or refi on line. Read the reviews for Cal Loans and they were correct. In addition when u live in California it just makes sense to deal with a California company. Our broker was Mike Combe. He was personable, professional and knew his products. A positive experience all around and handled totally by emails, phone calls, wire transfers. We would recommend Cal Loans to friends and utilize their services again. Refi on our son and DIL house.