Diversified Capital Funding

Natalie was recommended to us by our realtors to arrange the mortgage for our home purchase. She got us a pre-approval letter for our offer on a Friday evening when I'm sure most everybody else would have been off for the weekend already. Natalie was easy to reach via email and always sent us a brief note first if she wasn't able to get back to us immediately. After understanding our specific situation she recommended exactly the right kind of loan and got us very favorable conditions. She helped us get through the usual, but still unexpected details of securing the loan and ensured that we were able to close on our house in just three weeks (and that included the July 4th holiday weekend!).

Jared was always available throughout the whole process and went out of his way to help. He was easy to talk to very knowledgeable about all aspects of the process.

Kyndra was a fantastic lender to work with! Being a first time home buyer I really was not familiar with terminology or or the home buying process and she took it slowly and made sure that I understood everything. I asked a lot of questions (seriously...there were many) and she didn't make me feel bad for that which was awesome. The best thing about Kyndra is that she is very friendly, easy to contact if you have questions, and she is EXTREMELY knowledgeable. My loan was a VA loan and I knew that it would be a lot harder in terms of needing extra documentation and inspections. Kyndra prepared me and provided me a list of everything needed on my end and she coordinated with my realtor to ensure that VA stipulations and extra inspections were completed timely and that they did not slip through the cracks. Kyndra and my realtor, Rachel, were a dynamite duo and together we were able to close so quickly. I could not have asked for a better team. Thank you! When we are ready to buy our next home we will be reaching out to this team again. I would highly recommend Kyndra!

I have worked with Dave three times for my financial needs. Twice for purchase financing and once for a refinance. Why three times, because Dave is the best. When going down the complex road of finding a mortgage, Dave takes his time to help you run the numbers to make sure your choice is sound and is best for you. He takes time to explain complexities and field any questions you have. Now here is the icing on the cake, he is diligent when it comes to closing on time. When he signs up for a time frame he delivers. This last mortgage we actually closed early because of Dave's efficiency! My family and I are grateful to have found Dave and have him in our corner for advice. Thank you so much for all you have done for us and helping us get into our home.

In today's highly competitive market having Nancy as a loan broker has made the difference in my buyer’s success numerous times. Her expertise, array of products and professionalism are but a few of the skills she brings to the table. I am fortunate to have Nancy as an integral part of my business.

In one year, we have used Diversified Capital Funding twice. As a mother of 3 young kids and someone who is most days scrambling around trying to keep up, Jared and his team constantly stayed out in front of what needed to get done. They also helped me understand all the moving parts and feel confident in these very important choices for our family. They are incredibly professional while still being so personal and real. I would hope many people come to see how great something that is undeniably stressful and fast-paced can be when you trust these folks to work with you. Highest recommendation from us...

Patty was the most professional hard working individual I have ever had the pleasure of going through the extremely unpleasant process mortgage processing can be. Great, great experience, she is excellent and so professional. I would highly recommend her personally.

Just refinanced a VA Loan with Patty, she is the best, give her a call. I couldn't be more pleased with the process and the way she handled me as if I was her only concern. She stays in contact and has you at every turn. Love this woman, giver her a call. She'll make you feel like Family.

Bryan handled our relatively complex and urgent transaction flawlessly, effectively and accurately from the first meeting to close of escrow. He is very flexible, knowledgeable and experienced which enables him to be always ahead of the events, be friendly with all involved and completed the transaction ahead of schedule. I'm sure to use Bryan services in the future real estate transaction and I'd recommend him to my family and friends. I'd like also to recommend the team at Diversified Capital Funding office in Campbell California. Thank you Bryan!

I was toying around with the idea of buying a house, not really certain that I would be able to afford one in this crazy Bay Area housing market. After doing some searching on my own, a friend of mine introduced me to who would eventually become my fantastic realtor. After finding a home that I wanted to buy, putting in an offer and getting it accepted, he introduced me to Yvonne for the hard part. Now that was my thinking about the financial piece, BEFORE I met Yvonne. Yvonne and I spoke on the phone and she immediately went to work for me. The anxiety that I felt building, quickly subsided. She walked me through the process from beginning to end, answering any questions, calming any fears, keeping everything transparent and making it all perfectly clear and understandable. Even when there were days that we were waiting to hear back from the underwriter or the appraiser, Yvonne would call just to check to see how we were doing. And another example to show how Yvonne took care of us, the day we were supposed to close, we realized we’d be out of the country on a pre-planned vacation. That just pushed Yvonne into overdrive. To ensure that we got this deal done before we left, Yvonne sent out a mobile notary to us with our paperwork so that we could sign and hop on our flight right after. And of course she was on the phone, checking to see if there were any questions we had while signing. When this whole process was over, that didn’t end our connection with Yvonne, she still checks in to see how we are...she’s absolutely amazing. If you want a loan officer who is knowledgeable, professional, efficient, personable, and simply outstanding, I HIGHLY HIGHLY recommend Yvonne Hemmingsen. She will definitely get the job done...fast!

Yvonne Hemmingsen is a great professional in her field. She is extremely knowledgeable, patient and clear in her explanations. She communicates very well and answers questions fully. She is very well organized and always punctual. Her sharp skills, complete expertise, and great dedication are obvious and visible day after day.

I have been working with Frank Squires since March 20th regarding purchasing a second home. This has been one of the best experiences I have had working with an individual. Frank is very responsive to all of my inquiries and keeps me updated as the process continues. He is very attentive to details and is always sure to answer all of my questions in each of my emails. In most of my experiences with communicating via email, I eventually have to call the individual to explain a situation or provide additional details. This has not been the case with Frank, he is diligent in closely reading my emails and is able to address all items. I have thoroughly enjoyed working with Frank and will recommend him to others that have mortgage needs. I look forward to completing the process in the coming weeks.

Frank treated me like I was his only client, but I know I was not. He was very attentive to all of my inquiries and provided all that was needed at the time it was needed, or even before it was needed. I highly recommend Frank to my friends.

Our first weekend at the new place was amazing!  Lots of driving back and forth moving our stuff from one cabin to the other. For 9 years you’ve been helping us realize our dreams:  2009 you helped us get our mortgage for our Willow Glen house.  There was a refinance or two in there for Willow Glen and my Gilroy rental.  There was the 2013 purchase of our first cabin.  There was the 2017 purchase of The Sea Ranch.  And now the 2018 new cabin.  At least six transactions.  And each one made our lives better.  I’m very thankful for that!

Roni was helpful and very understanding of my needs. She was on top of my situation at all times. It was a pleasure working with her.

Randy was superb in communicating all information to all parties in the transaction, including the listing agent and the escrow officer. He communicated in a timely fashion all need-to-know information.

Kelly was excellent in every single area on a professional level. Based on her high degree of great competence, we became friends and I felt she cared for me on a personal level. She was available on weekends and at night time for any thing I needed. Her work was exemplary and was brilliant. She is a special player on your team. I hope whoever reads this recognizes her tremendous abilities. She is incredible. My house is mine largely because of her.

When asked - Was there anything we could have done to improve the overall experience for you?
-Kelly did everything possible to be successful and to get this house for me. My experience with her was unequalled. No way anyone is better than her. No way. In my work, I love working with top performers and Kelly is exactly that. Phenomenal!!!!

Connie Chronis made it possible for us to finance the purchase of a property contingent on the sale of our home on the Peninsula. Time was of the essence, and there was no room for either of us to drop the ball. She efficiently identified our objectives and matched them to the best product and pushed to get us the best rate possible. She relentlessly followed up with all parties so that we would have no barriers to getting the loan approved and executed the day after the sale of our house was final. She was positive and patient through it all, despite our putting her through several false starts. Connie is the consummate professional – she’s the best!

I first worked with Vernon Etter in 1987 and have been through 3 home purchases and 2 refis. When I find a professional that is a subject matter expert, is a total professional, responsive seemingly 24/7, goes above and beyond, I stay with them. That is Vernon and I strongly recommend him for his broad industry knowledge and he's so easy to work with!

Smooth transaction, excellent communication and house funded. What more could you ask for? As a self-employed business owner, my mortgage needs tend to be more challenging. I always felt like Kyndra was working all angles to find the best loan for me.

I would highly recommend Roni Gonzalez for any funding needs. Roni is tremendously responsible and made the process painless. She got me a great rate and expedited closing in this competitive market. Roni is my lender for life!

Erik is professional and incredibly knowledgeable. We buy multiple homes and Erik is always one step ahead of the pack. We found our loan officer for life.

Lynn was beyond knowledgeable and helpful. She responded to my phone calls and emails immediately. She took what was a very stressful situation for me and made it manageable. I will recommend Lynn to everyone I know.

I've worked with three other mortgage brokers, and every single one of them has screwed something up, even when the situation was simple. Natalie came recommended by my real estate agent (who is also amazing) and handled everything perfectly despite this being my most complicated mortgage situation to date due to my wanting to buy before selling and thus needing to use RSU income to qualify. Back in the old days before 2008, this would not have been a problem, but nowadays lenders are far more conservative. The underwriter kept asking for more documentation, including a letter saying that I sometimes write out my full name with my middle name, and another saying that we are paying a babysitter! Any delays in getting the documentation would have pushed us way past our agreed closing date. But Natalie was extremely responsive and professional. She worked with my wife ad me to get all the documentation the underwriter needed so we could close on time with a great interest rate. Natalie will be the only broker I ever work with again. She'd better not retire anytime soon!

Over the years we have refinanced our Mortgage, when the time was right for us to refinance our mortgage, we chose Danielle Ramos of Diversified. The professionalism, knowledge, and excellent service we received from Danielle Ramos are why we are repeat customers for our mortgage refinance needs. She made everything so easy for us, and even went the extra mile to make sure everything went smoothly. We highly recommend working with Danielle Ramos, you too will be a “Satisfied Customer”.

Randy was extremely knowledgeable about home loans . He did a superb job. He was efficient and could answer any question I posed to him . He held my hand all the way through the process and always returned my phone calls. This is my third loan using Randy. I have used him for several of my homes which are not in the immediate area of his office. Even if the home is in a different county he will figure out what it takes to process the loan and give me the best advice.

We had a tricky finance approval, retired so no paychecks but lots of outside income from odd sources. Nancy worked out the details and got us a mortgage that we are very happy with.

Great customer service was able to provide us with the service that we needed and the help we really need it and thank you for that we really enjoyed working with you.

Danielle was outstanding to work with! When it comes to loans and housing it's scary to put your trust in someone. Danielle is extremely knowledgeable, honest and values integrity. I had a million questions and she never hesitated to answer them, no matter how silly they were 😊 Even though we chose not to refinance at this time when the time is right will go back to Danielle Ramos.

Connie came to us as a referral from friends around eight years ago. Since then, she has helped us obtain a first mortgage, and three refinances. We find her to be professional, competent, proactive, and extremely responsive to any of our questions and concerns. Her guidance through the process and available options presented to us were invaluable. We would highly recommend her to anyone, and in fact we have already done so. We are glad to have her assistance and will continue working with her in the future.

I couldn't have had a better experience with the loan process. Diane is very professional yet personable, and she helped immensely by fully taking care of the loan and communicating with me often. She was available to thoroughly explain the documents and returned my messages promptly when I had questions. I greatly appreciated her thoroughness and attention to detail throughout the loan process!

Thank you so much for all of your help with buying our new home!  You are infinitely more professional, capable and awesome than the other company we started with. Also, thank you so much for entertaining Zelda during the signing; she was telling people at school the next day about her new friend Randy!

Bryan used his professional knowledge to help me to get my loan smoothly and successfully. During my working with him, he always response very quickly to my questions. Also he showed a lot of patience to explain the new terms to a first time house buyer when I signed those loan application related documents. I feel I am lucky to have Bryan as my loan person.

If you are looking for excellent service, competence and someone who is 100% committed to getting you the best rate and making the lending process as simple as possible, call Kelly Allen - she is without exception the best.

David worked HARD for me to get me into a mortgage and kept in contact before and after hours and even weekends. He was the consummate professional and made it work no matter the obstacles. Absolutely recommend!!!!

We have worked with Erik twice now. Once to purchase our second home and second time to refinance it. The original purchase was a difficult situation that Erik handled really wonderfully. We were keeping our first home as a rental and there was a ton of backup and working with the underwriter that Erik did an amazing job with. On top of that, my husband and I were overseas on vacation during 2 weeks of our closing! It was a very stressful time and Erik stayed calm and professional at all times and our realtor couldn't even believe he was able to get it all done so quickly. Then, when we worked with him again for the refinance, he was able to consolidate our loans and save us a lot of money. Anyhow, we wouldn't go anywhere else for our future mortgage broker needs!