Rancho Financial Mortgage Center

We personally have done three loans with Rishon Wagner at Rancho Financial and she is the most knowledgeable, caring, and responsive loan officer that we have ever worked with. Everyone we dealt with at Rancho Financial and the escrow company she used were very accommodating too. Several of our friends have used her, and they were thrilled with the results. Also, when I was a real estate agent, I referred many clients to her. Every one of them found her to be very professional, and many of them eventually used her again and/​or referred other people to her.

I been real estate agent since 2001 i have done many loans with many different lender i did not see any lender worse than rancho financial san diego start from there manager to their processor they keep asking for same document over and over and after 60 day they request new document because the one’s they have already old it take them 6 weeks to do employment verification and i’m talking about two loans where at the same time it not like i can blame the client for not acting fast to provide document and even when i talk to their manager they never admit that there is leak in there system but they blame the client so after 90 day two loan did not close and did not fund and trust me everything i said correct 100% i just went through it at the end no matter what i said still not enough to describe the who bad they are

I was referred to David Cummins at Rancho Financial by some realtor friends of mine to refi my home. Like any smart person, I was interviewing many lenders to find the one right for me. David was responsive, but his emails were filled with grammatical errors, spelling errors, clumsy sentences, duplicated words… It was obvious he was in a hurry. I had to read, then re-​read his emails in order to understand him. I was afraid he would fill out loan documents in the same sloppy way so I told him that I just could not get past the misspellings and that I was going with someone else. That’s when he REALLY became unprofessional. He fired me an email, telling me about his 10 year old dyslexic daughter and how emails were informal and then went on and on and on about how great he was. Whoa! Unhinged is the word that snapped into my mind. This was extremely unprofessional of him. It made me glad I listened to my inner voice and chose another company for my refi. When you choose a loan officer, remember, you will be spending a good deal of time with them for the next month or so and sharing with them a lot of your private life and every bit of your finances. Be sure they are someone you can work with.

Chris Wagner from Rancho Financial provided to me mortgage assistance that was tremendous and certainly appreciated.
Chris walked me through every step of securing my loan, which was necessary as I was a first-​time home buyer. His communication was constant and immediate. The interest rate he secured for me was fair, and the closing costs minimal.
I used my V.A. guaranty to secure my loan. During the V.A. approval process, there was a hiccup with the appraisal that threatened to derail the transaction and, in any case, made for what could have been anxious moments. But no sweat, much due to Chris’s constant effort. He kept me up to date with the V.A.‘s progress and ensured that the loan was funded by an essential hard date.
Chris’s professionalism was impeccable. He always presented himself as engaging, friendly, and knowledgeable about the process. I would absolutely recommend Chris’s services to any potential home-​buyer and look forward to working with him again.

Leah and her team stayed right on top of things through my complicated and frustrating transaction. Most importantly, I was always able to quickly get in touch with a representative when I had questions and would consistently receive thorough and understandable answers.
I look forward to working with Leah and Rancho Financial again in the future!

This guys were absolutely awful. This was my very first loan and they tried to take advantage of me because of lack of experience. I would NOT recommend this group to anyone new buying the house based on my experience.

Erika’s is our Senior Loan Officer and she is a PROFESSIONAL. There is no doubt in my mind that she is the senior of all seniors on this team. She knows her products like the back of her hand. She is always available at the drop of a dime to come in, to make an in person, office call to help explain the loan process to your clients and team in ways that anyone can understand. She takes the time to answer any questions in a very patient and timely manner and is available 7 days a week for her clients. She know the industry, and everyone in it, which has contributed to her longevity and success. Thanks Erika. :)

I’ve been working with Roger for over 7 years and I would never consider using anyone else for my mortgage needs. Even when I’m not in the market for a loan, he always takes my calls and answers any questions I have about my loan or the market. He’s been in the business for over 30 years for a reason — not many brokers can say that!

To be honest I was skeptical about the whole RE-​FI process as it was my first time. Roger made me feel good with his patience and understanding. I have heard horror stories about RE-​FI processes (Though I have never experienced) and am happy to have found Roger and Rancho Financial. Roger gave me a low rate and my experience re-​financing my house was done smoothly and successfully. I will continue to do business here and recommend Roger and his business to anyone who needs the re-​fi process delivered.

Wow! The team at Rancho Financial…
I can’t say enough about how Robert helped me at every turn in the road… during househunting and my final purchase as a home owner.
I happened upon him by chance and I’m so glad that I did. He beat both Navy Fed and another private mortgage company that I was pre-​approved with. Lower closing costs and a fixed rate that couldn’t be touched.
NFCU: «We will match his rate.» Me: «Not a chance. You should have given me your best rate and costs up front.»
If you want to save money, call Robert Geiler and his team of professionals!
858−451−0620×6127
You won’t be disappointed.
Thanks!!!

After our bank refused to fund our new home purchase we had two weeks to complete our financing. Was introduced to Craig Brown and he exceeded our expectations. He assured us that it was possible and Erin in his Rancho Bernardo office made sure it happened. We will be constantly grateful as we are now moving into our dream home.

Craig Brown, the founder and CEO has financed two homes for me. His professionalism is stellar. His guidance was invaluable. Even when all the financial markets were closing down in 2009, he was able to pull a rabbit out of a hat and get my home refinanced. He is an honest, hardworking, ethical business leader. His team is great as well. Anyone I have referred to Rancho Financial has been very pleased as well. I highly recommend them.

I have done several deals with David Hopkins now and he is the consumate professional when it comes to mortgages. I would gladly call him for my next venture as he really made my life easier!

Susan Miller is one of the best Senior Mortgage Representative out there. She takes her time to understand your needs and really gets to know her clients before putting an application. She is very professional and the best person to deal with at Rancho Financial. I have never met someone of her stature.

David Hopkins is a very knowledgeable person in his industry and was a huge help with our mortgage financing!!! I would recommend him to anyone!

Don’t use these guys. Tom G in the Encinitas office was weak, and did not go to bat for me when my loan was assigned to a difficult underwriter who made me jump through ridiculous hoops. I have excellent credit but I was dragged through mud and red tape just long enough for the lower interest rate to expire. Tom was powerless to help, he was just a puppet. I cancelled and went with Quicken, and the entire loan process has been a breeze with them. These small mortgage companies will be dinosaurs soon, and for good reason. Go with Quicken and save yourself the headaches.

I don’t know about the 1^st reviewer, but I always do my home transactions with Robert, he is very Professional & well known in the industry.

Have been dealing with Tina and she WONDERFUL! She is available to answer any questions we have had and very readily accessible. She is warm and friendly and truly cares about her clients. I Highly highly recommend her and Rancho Financial.

This is really a review of Roger Taylor who works at Rancho Financial. Very solid performer and you will not find any mortgage broker that is better. I have sent scores of clients, plus my own loans, to Roger since 1989. If he says he can perform, he will.