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!).

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.

Vernon did an excellent job getting the loan best suited to my needs. In a very professional, but also personal manner, he worked diligently to secure the funding needed to buy my dream home. I was a complete novice to this process, so Vernon first got to know me before moving forward, keeping in close contact the entire time. He also assures me I may contact him down the road if any questions arise. I would recommend him 100%!

Working with Yvonne was fantastic! She is extremely knowledgable and professional. Yvonne walked us through the refinance process and helped us with any issues that came up along the way. I highly recommend working with Yvonne for your mortgage needs!

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.

Working with David is great! Always helps explain things and eagerly provides detailed options that helped us make the best decisions.

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!

Katie Nguyen is a leading example of how business should be done. As a customer, she was super knowledgeable throughout the loan process and she was very patient with us. We had so many questions every single day and she was very happy to answer our questions. Not once did she leave us in the dark; when some of our calls went to voicemail, she called us back right away. As you know, buying a home is not easy, but Katie made it super fun and really easy. Katie goes out of her way to for her customers and we appreciate the hard work she had done for us. I would definitely work with Katie again if the opportunity comes up on buying a 2nd house and I will definitely give my recommendation to my family, friends, and colleagues to work with Katie Nguyen.

Jeff was a real pleasure to work with! Homebuying can be very confusing but Jeff made us feel comfortable and he stayed on top of things. He is very knowledgeable and gave us great guidance. I will definitely recommend his service to family and 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.

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!

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.

Bryan is professional, knowledgeable and attentive. This is my second ReFi we have done with Bryan. He is a pleasure to work with. I highly recommend doing business with him.

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.

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!

Estoy muy feliz mi experiencia con ustedes fue lo mejor, estoy muy agradecida, ustedes me ayudaron con todo no tuve que preocuparme de nada, y si me preguntan si los recomendaría la verdad sin dudarlo lo ago. Fueron amables, trabajadores, pacientes son lo mejor, gracias a ustedes nuestro sueño se hizo realidad muchas gracias por todo. MIL GRACIAS

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.

I was referred to Jeff since the lender I was working with didn't seem to have much urgency and poor communication and I wanted to move on a property fast! Jeff, on the other hand, communicated the whole process to me from start to finish, answered any and all the questions I had throughout the process, and was also calm and collected when we had a mountain to climb, which helped to ease my frustrations. The reason why Jeff was a godsend during the process of my purchase was while my loan documents were being drawn, the FHA expired due to some issues with the HOA and I was unable to go the FHA route days before closing! Jeff immediately evaluated the situation and came up with plan B and plan C, resolved the issues with the HOA, and got me approved for a conventional loan. Although my closing date was delayed over a week due to the FHA expiring during the process, I 100% believe that if I didn't have Jeff working for me, I would not have been able to close and would have lost the property. I would recommend Jeff to anyone and I will definitely be working with him on future purchases! Thank you, Jeff!

Yvonne Hemmingsen is awesome to work with. She keeps your interests in mind while thoroughly researching options. She's very knowledgeable, and if she doesn't know an answer, which is rare, she'll find out for you. Yvonne was diligent in helping me get a loan to purchase my dream house, and she helped me lower my interest rate years later. I highly recommend her!

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!