I just finished a refinance of my primary home through Mount Diablo Lending and I am more than happy! Ramon got me an amazing rate way lower than what the big banks were offering me (actually, i work for one of those big banks and get a lower employee rate....which, by the way, Ramon was *still* able to beat!), but most importantly he actually cares about making his customers happy.
This is probably the 7th home loan that i've gone through (4 in the last 2 years). I had basically given up on mortgage brokers after several bad customer experiences many years ago. A friend of mine strongly recommended Ramon, and i was dubious at first but eventually i made the call. I'm SO glad that i did! Ramon set a gold standard for me. Not only was he able to get me a great rate on my loan, but he truly believes in customer service and it made a huge difference. An example-- right before we were to sign the title paperwork, the title company sent a final statement with all the numbers on it. Ramon called me, proactively, to make sure i was OK with everything. When i expressed my uncertainty, he graciously and patiently walked me through the statement line by line and made sure that i understood and was comfortable with all numbers. OK, Wow. There's something that no other lender (big bank, small bank or mortgage broker) had ever done.
I got a great rate through a fantastic broker who made me feel like he really valued me as a customer and that he really wanted me to be happy with my total experience. Ramon is going to be my mortgage broker from here on out. No more shopping around for me! He's my guy.