Cal Loans Direct, Inc. Reviews 78

Had a great experience with Cal Loans Direct. Rate and fees were lower than expected and closing was under 2 weeks from start to finish. Highly recommended!

Date of experience: July 01, 2025

Cal Loans Direct, Inc. truly exceeded my expectations! They helped me secure a great mortgage with excellent rates. The team was super responsive and friendly throughout the process. Highly recommend!

Date of experience: May 11, 2025

Tom is the best in this business. I did an extensive search for a lender/lender broker that satisfies several criteria:
1. Best rate: who doesnt want the best interest rate. I talked to 6 lenders at a time and everytime I came back to check for an updated rate. He offered me the best rate.
2. Responsive: Tom is available Mon-Sun (anytime). I literally anytime, I had called him 8-9PM and 7-8AM before and he never refused my calls.
3. Quick closing time: I gave Tom an impossible task - closing in 14 days. I wanted my offer to be the best in every way on a hot market, so I checked with Tom whether a 14-day closing period was possible and he delivered. We closed in exactly 14 days.
4. Knowledgeable about the buying process: Tom answered every question that I had anytime and he was super patient about it all.
Strongly suggest Tom for your loan needs (Rating 10/10)

Date of experience: March 04, 2025

I just closed my refinance with Tom Navarro. He was superb all the way - great rate, excellent communication, and follow-up till the closure. There were some hiccups along the way due to some unforeseen events (Hurricane in Florida!), Tom navigated through those very well too. Couldn't have asked for more! - Ashfaq

Date of experience: October 21, 2024

Mike was not only incredibly helpful and responsive throughout the entire process, but also offered a very competitive rate. I will definitely do business with Cal Loan again.

Date of experience: September 06, 2024

I shopped around and got the best rate with Cal Loans Direct. They delivered with great service!

Date of experience: September 05, 2024

Tom Navarro was knowledgeable, trustworthy, and very efficient. He also was so responsive whenever we had questions. He truly did an amazing job helping us find a loan.

Date of experience: June 20, 2024

I have closed on multiple properties and none have been as smooth as the process was with Tom! He was extremely timely, great guidance and looked out on our behalf. I would highly recommend him and I look forward to working with him again!

Date of experience: April 19, 2024

Entire process was very transparent. I was given best rates on any given day and all of my questions were answer .

Date of experience: January 30, 2024

Tom is incredible and we feel fortunate to have worked with him on our loans. He is extremely knowledgeable, thoughtful and strategic in helping his clients secure the best loans at the best interest rate. We worked with Tom to find the best lenders, and he always went above and beyond to find us the best rate. He was always transparent and made sure what he said is accurately reflected on the loan estimate. His communication was top-notch and always willing to clarify or explain something in the lending process. In the complex and often confusing world of loans and interest rate, Tom and Cal Direct Loans are a true gem! We highly recommend him and look forward to working with him again!

Date of experience: January 03, 2024

I had a great experience refinancing with Tom at Cal Loans Direct. Throughout the entire process was professional, proactive, and friendly. He secured us a fantastic rate and made the process as easy as it possibly can be. He was very responsive and answered big and small questions in a timely fashion. I am very glad I found him and plan to work with him again in the future!

Date of experience: January 02, 2024

I called Mike out of the blue one evening, after shopping intensely for the best interest rate we could comfortably afford for a SFH purchase. He was very receptive to helping me, and he listened to what we were looking for. My main issue with speaking to other lenders/loan officers was the BS they would insert into the conversation as to why I should go with them - basically the long used car salesman pitch. I got none of that from Mike. He was concise and straight to the point with exactly what we would be getting from Cal Loans Direct and the Lender, given our circumstances. They offered us the lowest rates we could find, but what really won me over was the transparency and openness we got from Mike and his team. He was very responsive via phone/text/email, answering questions throughout the process. We closed ahead of schedule and without a hitch. I absolutely recommend Mike and Cal Loans Direct for any purchases.

Date of experience: October 27, 2023

Tom made it an easy process and felt like he truly was on my team to help us through this first time purchase. We greatly appreciate his dedication!

Date of experience: October 29, 2023

Thomas Navarro made this such an easy and smooth transaction. There was no stress or pressure during the entire loan process. All questions were answered quickly and he was always available.

Date of experience: November 18, 2022

Tom delivered his service quick and effectively! We were able to close escrow in 14 days and make the deadline! Tom had great communication via email, text, and phone! Was very thorough with all the things we needed to get done in a timely manner! Thank you Tom and team! Will definitely use your services again!

Date of experience: November 10, 2022

Tom and team communicated with me throughout the entire process so I always knew what was happening. The whole transaction was smooth, no issues! Tom and team were very responsive whenever I did have a question! Would work them again!

Date of experience: November 10, 2022

When we found Cal Loans Direct, Inc., through interest rate comparisons and reviews, Tom Navarro stood out as a person with integrity and great service. Our experience with him was even better than expectations from reviews! He was personable, prompt, patient, knowledgeable, and helpful at every step through both the mortgage application and home buying process. We will definitely seek Tom’s help again for any loan needs!

Date of experience: August 29, 2022

Cal Loans got our refi when others couldn’t! It was a pleasure working with Michael!!

Date of experience: April 07, 2022

I appreciate Tom’s professionalism. I got quotes from 5 other places, and while other deals were very close in loan terms, the other companies called my phone constantly, leaving many hard-sell voicemails. It was extremely annoying for a busy person like me. Tom by contrast, respected my time and contacted me only when something was pertinent.

Date of experience: March 15, 2022

Michael Combe is the best!
Is an understatement....He was able to help with refinancing an existing property while also getting me a great rate for a new home purchase. Clear communication the entire time, availability when I needed him, honesty, and closing on time. What else could one ask for in a lender? Highly to recommend and would work with again in a heart beat.

Date of experience: January 20, 2022