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Profile picture for ResFund California

ResFund California

Confirmed Lender
Specialties:
Purchase Loan,
Refinancing,
Home Equity

Ratings & Reviews

We just completed our refinance with Tom. When I first spoke with Tom he detailed everything out- rates costs etc, very upfront and easy to work with. Our loan closed in just under 30 days from when we first contacted him. No surprises, no last minute snags. Part of what made the process so easy was a clear understanding from when we began the process. Tom and I both outlined expectations: what I wanted, and what he needed from us to make the loan happen in the timeframe I wanted. Easy and straight-forward. I have refinanced in the past with other lenders and I feel that Tom was the best experience to date

  

04/13/2012 - user3352362
Closed refinance loan. North City, San Diego, CA

We just completed our refinance with Tom. When I first spoke with Tom he detailed everything out- rates costs etc, very upfront and easy to work with. Our loan closed in just under 30 days from when we first contacted him. No surprises, no last minute snags. Part of what made the process so easy was a clear understanding from when we began the process. Tom and I both outlined expectations: what I wanted, and what he needed from us to make the loan happen in the timeframe I wanted. Easy and straight-forward. I have refinanced in the past with other lenders and I feel that Tom was the best experience to date

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04/11/2012 - user062960
Closed refinance loan. Carmel Valley, San Diego, CA

Tom was the first lender to contact me once I began looking into refinancing. Tom is very professional and easy to talk to. I felt completely comfortable working with him. Other loan officers I spoke with really did not compare in service or expertise. Tom and his staff worked diligently to close my loan in a timely manner. Will use Tom again and have recommended him to my family and friends.

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04/10/2012 - Dynamic Property
Closed purchase loan. Fountain Valley, CA

We had a great experience with Residential Funding Group this year....Tom Krug, the owner,was super helpful and handled all the details to get our loan closed We had some difficult issues to deal with on the financing end and Tom's advice helped us get through the process a lot faster than we thought possible.

I am working on buying another property this year and I will definitely be working with Tom!

Sincerely,

Dave Brown

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04/08/2012 - user953604
Closed refinance loan. Carmel Valley, San Diego, CA

This Broker was an excellent choice. I believe I got the lowest rate available. The process was smooth and we closed in under 30 days. Tom did a great job and was extremely competent and knowledgeable. My experience was very positive and would use Residential Funding Group again.

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02/19/2012 - user19425
Closed purchase loan. Bay Ho, San Diego, CA

Tom was incredibly helpful in getting my loan to purchase my home. He was available by email and telephone WHENEVER I needed. He explained the things about the process that were unclear to me--which I found to be a tremendous help. I must say that I will certainly use his services when I am next in the market for a home or if I see the need to refi. Thanks Tom!

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02/18/2012 - user064281
Closed refinance loan. Scripps Ranch, San Diego, CA 92131

Integrity. Definitely hard to find with today's volatile economy and questional job security. But fortunately I found Tom. First of all, I have to preface, I am truly ignorant when it comes to mortgage terminology or mortgage rules: CA or Federal laws. So for me, trying to find an reputable mortgage business, was like trying to find an honest auto repair service to fix my BMW (since I'm absolutely clueless about the mechanics of my car).

So I am forever grateful for Tom. His professionalism, knowledge, but most importantly his integrity. He said that he would find the very best rate to refinance my home and explain eveything in detail (layman terms).... and make it as painless as possible for me, and he did!

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02/07/2012 - cahoonHollow
Closed refinance loan. Eastham, MA

Can't say enough good things about ResFund. My husband and I did a refinance to take advantage of the lower interest rates. Very positive experience. Great service beginning to end. Tom was very knowledgeable and easy to communicate with. He made the exchange of paperwork easy. This was our most positive refinance experience. I would recommend ResFund to everyone.

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02/04/2012 - cehjr3
Closed refinance loan. Capitola, CA

Tom set me up with a great refi loan, at a rate... better then I'd found elsewhere. He was exceptionally easy to work with and the process could not have gone more smoothly. Absolutely no surpises. I would whole-heartedly recommend him to friends, family and co-workers.

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01/15/2013 - user3229559
Gave me a quote on Zillow, but it did not work out. Belmont Heights, Long Beach, CA 90814

A representative called within minutes of me receiving the quote on Zillow. After collecting some information, he informed me that he couldn't match the rate quoted unless I was willing to impound taxes and insurance, which is not something I wanted to do. I guess it's primarily a limitation of the Zillow interface that there's no option to specify this before receiving a quote, but it ends up being a waste of time for everybody involved.

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Response from ResFund California on 01/16/2013

ALL quotes from ALL Lenders on Zillow include impounds for taxes and insurance... Borrowers can elect not to have impounds but only by contacting Lender

 

  

07/30/2012 - Yongkyoon
We connected, but it did not work out. Looking in Carmel Valley, San Diego, CA 92130

The lender was quite quick to answer, but the APR difference between the posted rate and GFE was quite substantial (0.375%). Even if the 3rd party fees are needed to be added, such a big difference was never shown in any other lenders I had experienced with.

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Response from ResFund California on 07/31/2012

**Flagged for Authenticity** Received request for a quote- and then there was no further contact...We never spoke, never had an email correspondence. Never discussed rates or apr's...no response to our calls or emails. Our discounted 3rd party fees are the lowest in the industry and very difficult to match. Always see us at the top of zillow and find out why our 3rd party partner "Lawyers Title" extends special discounted title and escrow fees (the 3rd party fees) only to clients of Residential Funding Group. We've leveraged 15 years of relationships into delivering our clients the lowest rates and fees available.