West Coast Mortgage

My boyfriend and I have been interested in buying a home so spoke with Sean recently and he was so incredibly helpful, knowledgable, honest and gave us so much useful information. We still need to save a bit more money, but will use him as our mortgage lender when we are ready.
He gives tips on improving credit that we are taking to improve my boyfriend’s credit so we can get a lower interest rate. That will save us a lot of money down the road!
I’d highly recommend Sean and West Coast Mortgage to any potential home buyers or anyone looking to refinance their current mortgage!

I sat down with Sean at West Coast Mortgage last month as I am hoping to buy my first home soon. I knew I couldn’t qualify for a home yet, based on my last year’s income, but I was hoping that I will be able to in 2015. I would figure most loan agents wouldn’t want to work with me, someone who’s not ready to pull the trigger quite yet, but I was not brushed aside at all. Sean walked me through what types of property I am interested in, how much I would need to make and to put down to make the loan work, and what programs are available for me. I will definitely be working with Sean when the time comes.
I hope we can get something going after I file next years taxes!

Sean Kelly has been such an incredible addition to our Real Estate Group. My wife and I are Realtors and typically have an opportunity to refer business to different Lenders in San Diego. Sean has stepped up to the plate and helped us to grow our business while putting us both at ease that our loans will be handled with care and integrity. The amount of trust that we have been able to have with Sean is incredible. I am so impressed with his ability to care for our clients!
Sean Kelly — It is time to step up your game and get your own Unilocal Page! Thanks for all that you do :)

I’ve owned my house for a better part of a decade now and with the mortgage rates being so low lately it was time for a refinance. Roger and his staff were always informative about any questions I had about the process and everything went as smoothly as I could have hoped. Not only am I saving a lot of money now, but I was able to take equity out for those home projects I was dying to do. I would definitely not hesitate to use them again and have already recommended them to family and friends already!

Thank you Travis H for posting your review! Based on your recommendation, I looked up Roger and started a refinance application and recently closed escrow on my loan. This is the third time I was going through a refinance process and I must say this by far was the best one I have been through and I have to give all the credit to Roger.
Roger is a standup guy and really knows his stuff. I asked him numerous questions about the loan process (I.e. changing titles, ramifications of putting two names on a loan vs one, what happens in the event of deaths, etc) and he answered them all expertly and swiftly. He was always quick to respond to emails or phone calls within a day and anytime we had to do something that involved paperwork, he drew up the documents within a day. My goal was to close escrow well before the 30 day deadline and we easily beat those 30 days.
All fees were stated upfront (I did a no $ out of pocket fee loan) and all his paperwork was accurate and on point. I can’t tell you how many times I worked a refinance and the numbers always changed or were not as described in the GFE. Everything he stated was exactly how it turned out to be.
I could have not asked for a better refinance and I would highly recommend Roger for any of your mortgage loan needs. If you want someone who does business the way it should be done (honestly, accurately, and quickly) lookup Roger at West Coast Mortgage. You won’t regret it!

Like other reviewers, I had an excellent experience with West Coast Mortgage, in particular with Roger Tso.
My wife and I purchased our first home a couple of years ago (this review was a long time coming). We were quite skeptical of everyone we met to help us along the way, but Roger quickly put our minds to ease.
The process went smoothly, and we always felt like we knew what was happening and why. Roger provided us with more information than we asked for and really seemed to be on our side throughout. We never felt like we were being tricked or charged for unnecessary fees. He was always willing to slowdown and explain everything in words that we could understand.
A few months after we moved in, we received an unsolicited call from Roger about interest rates going down. He asked if we would like to refinance – at no cost to us. Of course, we said yes, and that saved us a good amount each month.
Can’t go wrong.

What a great business! I have the opportunity to work alongside mortgage companies regularly as the person that assists with loan document signings. I’ve never seen such a high integrity, genuinely caring, and absolutely professional mortgage lender within the industry. Honestly, I don’t trust most of the people within the industry, but not the case here. West Coast Mortgage really cares, and more over… they communicate and get you great rates! I recently found out others in my family have used them with their refinances for years. From the application to the close of escrow, You’ll love them too! I’ve seen countless clients entirely satisfied and happy to work with all the great people at West Coast on a recurring basis!

These guys are Spectacular!
We recently bought a home, and used West Coast Mortgage. We took a look at different Good Faith Estimates and compared rates, and West Coast Mortgage was always competitive.
But that isn’t what sets them apart. They monitor the market, and if the interest rate drops they contact you so they can perform a NO COST refinance.
I know what you’re thinking… sure… no cost. But there is no hidden fee! We aren’t charged for a fee and our loan amount didn’t increase by some fee amount. We just SAVE over $ 100 a month just like that!!!
Sure, you can monitor yourself and initiate a refi when the time is right. But let’s be honest here. With a new house, fixes, moving in, work… an opportunity may pass you by without knowing. Nice to know they reach out to you when all the conditions are right. Saved us thousands!