Thank you so very much for loan and your help in getting it closed. I appreciate all your help in assisting with my personal finances. I'm happy to refer as many clients to you as I can. Thank you again,      Sincerely, Suzanne P.

Tim was very creative in finding alternative solutions to financing. I will definitely be working him again on my next loan.       Leo J. , Riverside, CA

I can't thank you enough for all the work you did in getting me a loan for my house. I was completely shocked when I was told you even drove all the way to Cypress to my Union for verification of my retirement account. You're a very special and compassionate person and were always encouraging when I got depressed and antsy. My daughter Denise told me if anyone could get me a loan it would be you. Denise and I both send our heartfelt thanks for all your help. 

Sincerely, Ruby N. & Denise J., Rialto, CA

Thank you so much for helping us with our refinance. It was as unexpected and wonderful surprise to have everything go so smoothly and quickly. Special thanks also to Carol. She's definitely a "jewel in your crown"! I would not hesitate to recommend you to anyone.  Again, thank you so much! 

Bonnie S., San Diego, CA

I wanted to thank you so much for your expert help in closing my refinance.  I didn't think I could get a loan while still in Chapter 13 bankruptcy. On top of that I had a tax lien which had become a serious issue for me. You came highly referred by my attorney, and apparently with good reason. As soon as we got court approval to go through with the refinance, you were able to close the loan quickly, paying off the IRS while at the same time getting me out of bankruptcy and cutting my monthly payments. I don't know how to say thank you enough. I will make sure that my attorney knows that you did an excellent job. I now know why he refers you to his clients. I am happy to be a reference for you. 

Norberto I., Orange County, CA

Tax problems lead me into a chapter 21 bankruptcy.  That's the worse type
of bankruptcy you can have because it starts with a chapter 7 and follows
with a chapter 13.  I had a perfect credit history prior to the tax problem
but had to resort to the bankruptcy filings to pay off my tax obligations to
the state and federal taxing authorities.  My chapter 13 plan was scheduled
for approximately 5 years and I wanted to end it as soon as possible so that
I could begin rebuilding my credit.  Fortunately for me, I own a home and
the house appreciated significantly during the first 2 1/2 years of my
chapter 13 program.  With Tim Storm's assistance, I was able to refinance
the first mortgage and receive enough extra cash to pay off the chapter 13
bankruptcy.  I also ended up with some additional extra cash.

 I knew I was a high risk customer when I initially contacted Tim and
thought he would be able to set me up with a loan but feared the high
interest rates that are commonly associated with high risk borrowers.  After
reviewing my credit history, Tim told me he thought I could qualify for an
FHA loan with a 7.5% interest rate.  He thought I could qlalify because I
wasn't late on any of my debt obligations for the prior 12 months.  Within
two weeks I was approved for an FHA loan and recently closed escrow with a 7% loan.

 I'm blown away that the interest rate on my new loan is lower than my
previous loan and didn't think it was possible because of my credit
situation, but Tim was able to help me out because he's familiar with the
chapter 13 bankruptcy process and was able to communicate my situation to
the right lenders and my attorney.  From start to finish it took
approximately 5 months to complete the refinance process because the court
process moved slower than the loan process.  All in all I'm very satisfied
with the outcome and highly recommend Tim's services to anyone who is in a situation that was similar to mine. 

 Thanks,  Raymond D,   Irvine, CA

I wanted to thank you for helping us secure the loan for our new house. Eight months ago we never dreamed that we would be able to own a home. I sent out requests to lenders just to see what it would take for us to get a loan so that we could work on getting ourselves in position to obtain one. I was surprised when you told us we qualified immediately.

When we finally did find a place to buy we had several other lenders who were interested in handling our loan. However, all of them were extremely cautious and at times negative about our situation, which often left us discouraged. They would say things like, "you probably will qualify, but its very tight. I can't promise anything."  They would ask for all kinds of information and even ask for money up front for the appraisal on the home. We really felt like we were at such a disadvantage. We felt like our situation was so desperate that we had to comply with all their requests.

Luckily we began to work with you. Every time I called you I got a positive response. You always assured us that we were well qualified. You never asked for more than the standard documentation. You didn't ask for money. Any time we asked questions  you responded quickly and gave us honest and insightful answers. Even though you knew the other lenders were trying to get our loan you never hassled us or even tried to convince us that we had to get the loan through you. When we compared the quotes from other lenders it was obvious that yours was better. Our real estate agent, who also acted as the escrow agent, told us at the closing that our interest rate was the lowest he had seen for several weeks. Everything about our loan made us feel that we got a fair deal with no hassle.

Perhaps best of all was the service you provided. The day we needed to sign our loan papers you traveled all the way to North Orange County to our home with the papers because we were unable to come to you. We had just come from the hospital where my wife had delivered our son the day before. With the birth of our son things were hectic, but you made everything so easy by coming to our home. In addition, every time we asked for an update you promptly responded. Finally, when all of a sudden we decided to close four weeks early you rushed the loan through and helped us meet the accelerated deadline.

All I can say is that rarely have we ever felt so good about a transaction. Thank you for all of your help. Thank you for being positive and friendly. Thank you for helping us purchase our home. It has made such a difference in our lives.    

Sincerely, Rick Y. Brea, CA.

I was very worried about using a lender from the internet, but you proved to be a great choice. Thank you very much for your help in consolidating my credit card debt and tax lien. Several lenders had turned me down, but you were able to get an approval in 1 day at a better rate than I thought I'd get. I am out of debt, and am saving over $500 per month. Thank you also for the information on what I need to do to pay my loan off early. You have motivated me to get completely debt free within the next 10 years. You have changed my life.

Thanks again,

J Banuelos,  Los Angeles, CA

Tim was able to help me and do my loan. After another loan officer had previously told me "no". Tim's a "Yes"/"Can do" man. He made it happen! Obviously a tremendous asset to your firm!Thank you so much for your friendly, expedient service.

R. Grier,  West Hills, CA

Sending your notary to my home, way out of the way at a moments notice to get my loan closed quickly made me very happy. Tim worked his ever loving ass off for me. My loan was one of those "Last minute miracles", and he really came through for me.

Thanks Tim! I'll send my friends your way.

D. Brady,    Los Angeles

Tim was always efficient, friendly, and with great follow through whatever the question or concern. He got me a great loan with expedient completion.

K. Livingston,  Aliso Viejo, CA

Thanks for all your help through this process. As a first time homebuyer I had tons of questions, and you were there weekends and late nights to answer those many questions. While other lenders I've worked with before took days to get back to me, it would usually take you minutes. Your staff is efficient and professional and I appreciated all their hard work in facilitating my 30 day escrow schedule. I was not surprised that during this sale, the seller's agent liked you so much that he ended up using you for his other clients! Thanks again for all your hard work! I will be looking forward to working with you for my future real estate purchases!

Angie K.

Orange, CA

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