Sovereign Lending Group

We had the pleasure of working with Robert Gray and Joy Nguyen for our refi and they were absolutely delightful and so helpful throughout the process. Robert got us a great rate and we were even able to lump our credit card debt in. We are saving thousands a year now and it has literally changed our lives. I would recommend them highly and Robert will be my first call if we need a loan or refinancing.

Quicken Loans was not even close to what Sovereign offered us. Billie Shine makes this company shine. Who answers emails at 6 a.m. and 10 p.m. Billie does. A national radio host Ken Michaels referred us and being a fast growing company they have a few growing pains however the ultra low interest rates makes it worth while in the end. If a national mortgage expert and author of the Mortgage Makeover recommends them its worth giving them a try.

Steven Nieto of Sovereign Lending Group (SLG) has helped us refi our VA loan 3 times now in 18 months. He also spent time helping us look at ways to help our daughter qualify for a home. He has always been a source to test the refi market after we receive 20 or so offers from other companies. He has guided us to the lowest rate each time with SLG and the paperwork is now fast. Steve responds promptly to questions and gives suggestions to avoid hassles. We are pleased to have Steven as a trusted mortgage resource.

Sovereign Lending Group doesn’t deserve 1 star based on my recent experience. Everything started out nice with a particular mortgage rep whose name I will not mention. I did my due diligence by checking this lender out for reviews which were mixed. Rep had gotten very good reviews from some customers. He was very enthusiastic at the start & middle of the process. I informed him that I was a Vet & would be using my VA benefits to secure a loan. I told Him I wanted a loan program that would allow me to skip 2 months payment. It was No problem according to him. He asked for $ 400 to hold in my account in case money was needed for some unexpected things that might come up. My FICO score was 704÷698÷693. My loan was approved & thought things things were going smoothly. The docs were brought over by a Notary of their choice. When we came to the end there was a closing cost fee of over $ 3k. I was shocked & told the Notary that there must be some mistake with this added fee. This wasn’t the first time I’d purchased a home using my VA benefits & it wasn’t necessary as they’d get whatever they needed when processing the loan. I did not complete signing the docs. I was uneasy about this fee being put into my loan docs. The Notary told me that I’d need to speak to my rep to get him to explain what this was all about. Mind you, there was another friend present in the room when I was signing docs. In addition my friend is also a Vet who’d used his VA benefits to purchase a few homes over the years. The rep called me the next day & I told him that I was going to cancel the loan because I felt something was wrong about adding a 3k plus fee into the loan as a closing cost fee. Rep asked me to not cancel because he would have the loan re-​done to cover the closing cost. That should have been my first clue that I was being scammed & being taken advantage of. Days later the rep called me & asked if I could pay $ 1500. I told him that I couldn’t afford to & even if I did I wouldn’t pay. He said okay & the mortgage underwriter was still re-​writing the loan docs. That should have been my second clue that something was shady about him & Sovereign for asking me again for money to cover the closing costs. With the help of my friend I did my own research on whether it was necessary for me to pay a closing cost fee out of my own funds. I found out that it was voluntary but not necessary. I then researched for & contacted Lenders who specialized in doing VA Housing loans only. The VA Lender that I wound up doing business with confirmed to me that I didn’t have to pay any closing cost if I didn’t want to because it could be added to the loan. Because of my credit scores He was able to get me a 30 year loan with an APR of 3.125, also I would be skip 2 months mortgage payment. I never told my Sovereign rep that I was working with a VA Lender who offered me great customer service & met my request & needs. When it came time for me to sign the docs with the new VA lender, there wasn’t a hint of additional hidden costs. I was very happy with the loan process & how much time & effort this new VA rep put into getting me a great mortgage package. Over the period my new loan was being put together, I received several calls from the Sovereign rep speaking with me at times or leaving voicemail messages that the loan had been re-​written & included my request for skipping 2 months payments. After talking to said rep that I had found another lender & had a new mortgage he wanted to know why didn’t I stick with Sovereign. I informed him it was a «trust» issue. Over the course of several days, rep left voicemail messages asking me to give him another chance. I didn’t respond. He even left a short message saying he was «sorry» how things turned out but wanted another chance to work with me. On one of his messages he reported that he & his boss would like to meet with me to share my concerns about this matter. My thought process was that this rep was untrustworthy so why should I have a meeting with his boss knowing that his rep would not take any responsibility for how things didn’t work out. My gut feeling was spot on! A few weeks later I received a letter from Sovereign saying that my application for a loan was denied because of my low credit scores of which the FICO Scores they listed were categorically false (putting it mildly).Even if the scores they listed were true how was I able to get a 30 year loan with a 3.125 APR and no out of pocket closing costs. Oh, & the $ 400.00 they were holding, was cashed & I was sent an $ 89.00 check as they charged me for an appraisal (which was never done) & for other fees which left $ 89.00 being disbursed to me. I still have the letter, un-​cashed check and voicemail messages on my phone. I’m considering contacting the State Attorney General & the California mortgage licensing board to report my experience & produce the evidence I’ve kept on hand. I’m happy for those who’ve had a much better experience than I’ve had.

They shaved off 15 years, 1.1% fixed APR, and about $ 210,000 off the lifetime of our loan at a low fee. I highly recommend them. Ask for Cliff.

My Wife and I will work with Steven Nieto and Kat again and again, We felt
that we were there number one Clients. Being from out of the area Steve made
the closing and kept his word all the way through. Wow if you want to happen than
put your self with them and let them do there magic.
This Is As Good As It Gets. Thank you Steven and Kat
Pura Vida Steve and Cindy

Sovereign Lending Group was extremely responsive for the first 2 weeks of my loan application process until they received my check for $ 500.00 for the appraisal fees. I then, despite numerous attempts to obtain information, received no feedback whatsoever. My refinance request was denied due to an issue that could have been identified easily during the screening process thereby saving me time and $ 500.00. I would not use this company or recommend it to any of my family members or friends.

We were referred to Cliff Collins by a close friend and he far surpassed our expectations. From first contact to closing took under a month. Not only did we get a great deal from the Sovereign Lending Group, but from start to finish, Cliff was extremely knowledgeable, headed off all potential delays before they happened and overall made the process very easy. This was our 9^th time refinancing and to date his was the best customer service we have ever received!

It was not even days after closing on my mortgage that I started to receive mailers on a daily basis offering refinancing under Veteran programs. I ignored all and kept throwing them away. I finally decided to check if it was a gimmick or not to refinance a few months later and bring my payments and interest rate down with no cost out of pocket. Fortunately for me, I called Sovereign Lending Group and got Cliff Collins as my Loan Officer. What a pleasure to have someone I could trust and have the patience to get me through this painful process of going through a loan all over again after just completing one. It seemed too good to be true, but Cliff took the time and made himself available to me at my convenience.
Sovereign Lending Group and Cliff made this process quite painless or as much as it could be and everything he said would happen did.
I hope I have another opportunity to work with Cliff and Sovereign Lending Group on another real estate transaction be it refinance or purchase of another home or investment property.
I highly recommend Cliff Collins and SLG, Inc.

We worked with James Lock and he was always willing to put in the extra time and effort needed to make sure our loan went through. He worked hard and we appreciate all he did to make us feel that we were his number one priority.
Thanks James!
Eric & Maggie

We inquired with Sovereign Lending Group when looking to refinance our investment property. We were assigned Hunter Zinkil as our loan Officer. His knowledge and expertise was uncanny and apparent from the first phone call. Throughout the process he was very attentive and responsive; making sure that we understood every aspect of the process. Furthermore, his ingenious recommendation regarding the structure of the loan allowed us to meet our goals at a significantly reduced cost. If you demand the highest level of service and professionalism, Hunter is the only possible choice

Hunter worked hard to create a solution and meet our needs.

Sovereign Lending Group was fantastic. They were very patient and walked me through every step of the process. Many lenders could not find a refi program to fit my needs, but Dawn was outstanding and was able to find exactly what I needed.

They were great, got my jumbo mortgage loan approved after 2 deniels, Dawn Porter
was my loan officier, she did a great job and did not take no for answer. i am very pleased with her and give her a 5 star rating.
Don Charest (a happy refinance customer)

I had the best experience I could ever imagine with SLG Mortgage. Mr Ryan Beverage sure held true to his word when he told us we could have our loan completed in 3 weeks. I count be more happy.

On October 18, 2013 my wife and I closed escrow on our first house in Northern California after 12 denied offers. Brent Siemsen and Rita Melrose provided exceptional customer service under the harshest conditions.
From the very beginning when our offer was accepted, Brent knew he was going to have his work cut out for him. To start, my agent (my father) had a 30 day vacation planned and departed the day after we had our offer accepted. That said Brent had to work with different time zones and longer than usual delays in receiving documents as my agent was traveling with limited internet access and resources.
When document turnaround time became an issue, the listing agent started becoming very impatient and demanding as the sellers were pressuring him to keep deadlines. Then, in the middle of everything, my original lender denied my loan because of an account with them I had closed over 7 years before (talk about strict lending); this nearly imploded the whole deal. However, Brent with his trusty sidekick Rita saved the day by locking in a 30 year fixed with a good interest rate keeping the original closing date!!!
Brent and his team at Sovereign Lending Group clearly managed the deal throughout the whole process and provided great open lines of communication; which in my case, came in after hours.
I would (and have) recommend Brent and Rita at Sovereing Lending Group to anyone looking for a true partner in the home buying process.
Thank you Brent and Rita we are so happy to have found you!

Completed a request for refinance on Sovereign lending website and got a call right away. Worked with mortgage consultant Dawn Porter and Loan co-​ordinator Rita Melrose, very professional and knowledgeable people.
Dawn was very courteous and explained the whole process. Also found me the best deal for my credit score. Always kept me posted throughout the process and returned my calls/​emails immediately.
I would highly recommend Soveriegn Lending Group to people who would like to learn the whole refinancing process and for a smooth sail.

would never want to venture with this company ever. they knew my situation right from the start and convinced me to go ahead with a refi anyways. turns out i did not qualify, but paid to get an inspection which of course did not get my money back from that.
what an oversight, you’d think through countless transactions, you’d figure they can anticipate this. i call bullshit, and that they just spearheaded me just so their inspector got paid.
long story short, wanted refi, did paper work, paid a bunch of fees, no refi.
thanks for wasting my time and money.

Jeannette Richardson and her team at Sovereign Lending (Dianna and Nicole) are rock stars! I was able to close on a refi lickity split and got locked into a great rate with no costs. The entire process was painless and efficient and Jeannette and her team
were available every step of the way to help me out with any questions or concerns that came up. I would recommend Sovereign Lending to anyone I know who needs to get a mortgage. A+++ Bravo!

Excellent!
Our refinance was processed at a very low interest rate. It was fast and efficient, until we hit three major obstacles (on our part), but no worries, they found a solution and we got the refinance. We appreciate the hard work and pushing ahead.