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By clicking “Contact Lender”, you agree that Bank of America, N.A. may contact you at the telephone number or email address you have provided above for purposes of fulfilling this inquiry about mortgage financing, even if you previously registered on a Do Not Call registry or requested Bank of America, N.A. to not send marketing information to you by email. You agree Bank of America, N.A. may use automatic telephone dialing systems and artificial or prerecorded voice messaging in connection with calls or texts made to any telephone number you provide even if the telephone number is assigned to a cellular/mobile telephone service or other service for which the called party is charged. You are not required to consent to receiving autodialed calls or texts as a condition of purchasing any Bank of America, N.A. products or services. If you use a relay or other telephone service for the hearing impaired, please call or have your service call 1.800.915.8026 for help with your loan request.

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Mortgage Lender, Company NMLS# 256271 (24 years experience)

Purchase Loan,
Home Equity,
Mortgage Planning

Ratings & Reviews



09/24/2014 - nick5567
Closed refinance loan. Sierra del Oro, Corona, CA

I bought my house in 06 with 6.25% 30 year fixed. Since then, I was not able to refinance since the house was under water and it was a jumbo loan. all the banks told me to stop making payments in order to force the bank to negotiate, but I refused based on principle. I accepted the fact that I will never be able to get lower rate until I met Jay through a friend, Jay got me a deal with a first and second with much lower interest rate and much better terms than what I had at the time with very low fees. The deal was great by itself, no one else was able to even come close (I did shop around), but the best part was that Jay had faced many challenges along the way to the point that I was ready to give up few times, but Jay kept my hopes up and kept on coming up with new ideas. At the end, he delivered beyond my expectations. I believe that his service comes from his passion to what he does which is very rare these days. I do wish I can give 0pointloan six stars and I do plan on using 0pointloan for all my future loans.

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Response from on 09/26/2014

Nick, We truly appreciate you taking your time and giving us this review. We love what we do and like to deliver what we promise. Thank you so much for hanging in there through the delays. Your confidence and trust in us helped in closing the complicated loan scenario. Once again, thank you.



09/16/2014 - user2975655
Closed purchase loan. Yorba Linda, CA

Here is my honest review, i have had financed three houses and several sba for my small businesses in past with different brokers,agents and banks.every single transaction was time consuming and lots of paperwork,there were times when broker or agent don't deliver promises that they had made and being asked about your ongoing loans,first they don't answer phones and when they answered there are too many excuses.luckily i found jay patel for my two property one in short sale and other was in standard sale.i believe without jay it was not possible for two houses back to back for finance.when he saw my paperwork,within 15 minutes in meeting with him,him and his processor promised me this loan will be 100% done before time.based on my experience anyone who wants loan done with complete satisfaction go to him.there are too many lenders,brokers, banks out there which promises but many(most) dont deliver and we endup with headaches and stress while we r in small period for closing from seller and escrow.if u want peace of mind let this expert and experienced person do your loans.he is 10 out of last i would like to say many thanks to jay patel,gomathi and his group for giving best service and very timely closing docs.very satisfied. Thank you so much.

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Response from on 09/22/2014

Thank you so much taking time to write a review for us, we truly appreciate your input.



09/15/2014 - user4999306
Closed purchase loan.

Jay and his colleague processed two house loans and they were quickest loans we were approved on. These people work on borrower's time and convenience. They are very detailed oriented and work in very simple manner so the borrowers do not feel overwhelmed or intimidated. I never got email or phone call unanswered. Gomathi was very prompt in email communication. Jay and his team made loan obtaining very easy for us. They provide easy to comprehend instructions and as long as you provide what they ask for there should be no room for bumpy ride as getting loan processed itself is a challenging task. I prefer to have future loans handled by Jay. I also recommend Jay to my friends and family for loans.

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Response from on 09/22/2014

Thank you so much taking time to write a review for us, we truly appreciate your input.



09/02/2014 - zuser20140503193244111
Closed purchase loan. Anaheim Hills, Anaheim, CA

It was a pleasure to work with Jay Patel and his staff at Mr. Patel was responsive to all questions, reliable and very helpful with every step of the loan process from application to closing. I am very impressed with a great service I received and would highly recommend working with Jay Patel to anyone.

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Response from on 09/03/2014

It was a pleasure working with you as you were very detailed and forth coming in giving us all the information to allow us to package the best loan for this particular case. We love it when consumers trust us and allow us to deliver a great product. It makes us happy and proud. Thank you once again for your trust and confidence. Jay



08/07/2014 - NathanScharfe
Closed purchase loan. Brea, CA

I was referred to Jay by my realtor and could not be happier with the service. After initially talking to Jay he assured me he would handle all the details of the process as well as give me the lowest rate. I was a bit skeptical and am naturally a bargain hunter so I talked to ~10 different brokers / lenders. All told me the rates Jay was offering were not possible and that they could not match them.

I don't know how he did it but he got me an amazing rate and incredible customer service. I'd definitely recommend him without hesitation.

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Response from on 08/10/2014

Nathan, thank you so much for taking your valuable time for the review and your kind words. It truly means a lot to us when we come through for our clients and service them with best rates and service. Once again thank you. Jay



07/29/2014 - user1595402
Closed refinance loan. Mission Viejo, CA

I recently used Jay to refinance my home loan. Jay and his team are awesome! After talking to various loan officers at different banks, credit unions and other mortgage brokers, I found Jay to be the most competitive.

Jay contacted me immediately with a full break down of options and detailed cost analysis. I was impressed with his knowledge and felt comfortable with him immediately.

Jay and his team made the entire process smooth and painless. He answered all my questions and was always accurate with timelines. I am saving money each month.

Thank you Jay!

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Response from on 08/10/2014

Your patience and willingness to work through all the detailed paperwork helped us get your refinance closed. We thank you so much for your trust and giving us an opportunity to service your transaction. We wish all the best for you. Jay



07/29/2014 - kevinm29
Closed refinance loan. Ontario, CA

Jay was extremely helpful and professional. He explained every step as we went along and stayed in constant contact with my wife and I. His team did the same. whenever we had to speak with one of his team members he informed us of their name and that they would be contacting us ahead of time, their were no surprises. We are very pleased and definitely recommend him.

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Response from on 08/10/2014

Kevin, it was a pleasure to work on your file, your patience truly helped us get through your refinance. Thank you so much for your input and your kind words. Jay



06/04/2014 - RobertEstrella
Closed purchase loan.

they provided me with great and prompt service - they were very helpful in providing information throughout the loan process - they also helped in getting a good interest rate

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Response from on 06/05/2014

We appreciate you trusting us with your finances. We sincerely wanted to thank you for all your help with gathering pertinent documents. Once again thank you for taking your valuable time to give your input regarding our services.



05/21/2014 - p mcquinn
Closed purchase loan.

Jay is true loan expert! Not only is he an expert in his trade but Jay also has excellent customer service skills, was always available and has a wealth of information related to real estate. My wife and I are first time home buyers and even though we knew very little about loans or real estate in general, Jay spent a lot of time carefully explaining each step and made the process much easier. Jay and his team were able to successfully secure a loan with a great interest rate for us and made our real estate buying experience a positive one. If you are looking to purchase a home or refinance, there is no better person to contact in Orange County than Jay Patel!

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Response from on 05/22/2014

It was a pleasure working with you guys, I love it when I feel I've truly helped someone who really needed proper direction with Home Loans and Real Estate in general. We really appreciate your candid feedback to help us improve our service. Jay



04/28/2014 - tjm83
Closed refinance loan. Orange, CA

Jay has expert level knowledge in new home loans and refinancing. He provides everything upfront with no surprises later and works really hard to make sure that the loan closes and on time. He is highly customer service orientated and will do whatever in his power to help his clients. He is very trust worthy and reliable and I would highly recommend him to anyone looking to get a loan.

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Response from on 05/01/2014

Thank you for taking the time with your input in regards to our service. We wish you all the best and hope to be of help in the very near future.