This is the second time we have worked with Marcel Calderon with refinancing our house. He was referred to me by a friend two years ago. It was our first time refinancing so my husband and I were nervous and had a lot of questions. Marcel was patient throughout the process and explained things thoroughly to us. With his help, we were able to refinance our house and changed our ARM to a fixed loan, which allowed us to stay in our current home.

With mortgage interest rates dropping lower, Marcel called us about three months ago and offered to help us refinance our home loan to a lower rate. With his independent mortgage brokerage and our history with him, refinancing this time was easier with less paperwork. He kept us informed and updated with changes with our loan process. Being detailed as I am, I probably drove him crazy with all of our questions, but Marcel was professional and responsive with communicating with us through texts or emails, even at night and weekends. Marcel is knowledgeable about the market. He guided and worked with us to get the best, lowest rate for our home loan, thus saving us money, which is very helpful especially during this time of economic instability with the pandemic.

Before Marcel, we tried to refinance with other mortgage brokers in the past but in our experience, the others we encountered did not have the patience nor the willingness to work with us extensively. Marcel was kind, patient and professional that we felt ease working with him throughout the whole loan process. He helped us in numerous ways to achieve our goal. We are very appreciative of everything that Marcel has helped us with our home loan mortgages both times. We highly recommend him to anyone needing home loan assistance.