What Others Say About Us

Ana and her family had lived in the same beautiful Santa Barbara coastal home for over 25 years...but her parent's ran into some financial problems that threatened to take this away from them. Ana, who was helping her parents in the effort to save their long-time family residence, got my information from the internet. We worked together for a while, and became good friends over the process. In the end, we were able to save their home from foreclosure, and got an additional $35,000 cash out to take care of other debts and increase their cash reserves as a safety measure. Click the audio below to hear what Ana had to say about the transaction...

Ana on the left, with her three daughters

Ana Cubilla Khamo - Santa Barbara, California

Neelopher and her family bought their first California home after moving here from Georgia a few years ago. She found me on the internet, and of course was skeptical at first...but it didn't take long until we formed a close friendship. I had a blast working with Neelopher, and she felt the same way. Click the "Play" button above to hear what she had to say about her experience working with me and my team.

Neelopher Michael - Santa Clarita, CA

“Brian was helpful and prompt in answering all of our questions. We feel he found us the best loan possible, and wouldn’t hesitate to use his services again. We highly recommend Brian to anyone seeking an honest and dependable loan officer.”

Nik H. And Lee S. - San Diego, California

I realized that I was not going to be able to keep up with my house payments and Chapter 13 payments for much longer. When I spoke to Brian he explained everything to me and showed me that he really cared. He did what he said he'd do and got us $43,635 cash out while lowering our overall payments! Brian is a true expert in bankruptcy mortgages. I carry his cards around with me to recommend him to everyone I know in a similar situation.

Paul F. - El Cajon, California

Having a Bankruptcy is a stressful thing. Brian was able to get us out of it quick, lower our payments and get us $68,835 cash. He's very professional and sharp and he delivered what he promised!

Cheryl and Robert S. - San Diego, California

J.D. Power and Associates 2005 Home Mortgage Survey: Those who said they used a broker tended to be substantially more satisfied with the broker personnel they spoke with than those customers who interfaced directly with the lender's personnel. "Brokers appear to perform significantly better in meeting customer expectations. Brokers are perhaps more dependent on customer referrals than the direct lenders. As a result, brokers may be more in tune with the cause and effect of customer satisfaction and advocacy," said Jeremy Bowler, director of the finance and insurance practice at J.D. Power and Associates."

J.D. Power and Associates

"Brian helped me out of a very rough time in my life, and put together a plan which saved my home of 30 years from foreclosure. I had injured myself and therefore I couldn't work...on top of that a family member had stolen the money I had saved which I needed to make my payments on time. I fell behind on my mortgage and the lender started the foreclosure process. Needless to say this started a BARRAGE of calls from lenders, loan officers and investors...all of whom just seemed to want to make a quick dollar at my expense. Brian was the exception. I had called him on my friend's advice and he did not let me down. I already had a loan in place with another company, but Brian was still there every time I needed him to give advice and answer questions, even though I wasn't doing the loan through him! The loan with the other company fell out, so of course, I immediately ran to Brian's aid. He structured a plan which no one else thought of, and 18 days later we had the money to bring my loan current, and he got me $28,454 cash in my hand to help weather any more rough times. Brian is still helping me get my finances back on track, even after my loan closed! He truly cares about people! I recommend Brian to ANYONE seeking an honest and knowledgeable professional. He was my knight in shining armor. Thank you Brian!!!"

Connie M. - Fresno, California

We were paying 8.5% on our mortgage; we had a bunch of high-interest credit cards (Brian's note - $43,785), and even though we both work and make good money, there never seemed to be anything left at the end of the month. Following Brian's plan, the interest rate on our home mortgage and other debts was cut in half. All of our other debts were paid off during the refinancing -- even the car loan-- and our total monthly payments to bills were reduced by $1,218. This gives us more than $14,000 a year in cash we didn't have to invest. We even got $13,621 in cash when we refinanced. Were even going to pay off our mortgage in 13.2 years! Thanks to Brian, we're in a much better financial position. Why wouldn't other people do this?

James B. - San Francisco, California

"I wish you were around when I needed one of the most honest people in this business. I would still be in my home today. I will make sure you get a lot of exposure here on base. Please send me some cards to put out...."

June P. - San Diego, California

It was obvious Brian deeply cared about getting us the right loan for our first purchase.

His process was smooth and hassle free and he had more information about the home buying process than we knew what to do with!...he taught us so much more than any real estate person we spoke to before him.

Brian is an exceptional mortgage advisor and an honest person. We will definitely be using Brian for all our future mortgage needs."

Andrew and Kathy D. - San Diego, CA

"I had to write to you to let you know how impressed I was with the manner in which you handled the Moreno transaction. I work with a variety of lenders in my position and my experience working with you and your office was definitely an efficient and friendly one. In my experience, when lenders and escrow from different parts of the state work together to close a transaction there tends to be some problems due to the differences in local procedures. It was wonderful to find that while the differences did exist, they did not lead to any delays or issues. This is surely due to the professional manner in which you conduct your business. It would be my honor to work with you and your team in the future.

Tiffany Schouten - Escrow Officer for Chicago Title - Dixon, CA

“Brian and his team were GREAT! They made the process easy, and closed our loan fast! We couldn't believe how smooth the transaction went. He helped us get out of our adjustable rate loan before our first payment increase, and at the same time, he lowered our monthly payment and per his advice, we consolidated our credit card and car debt into our new loan. Not only is our mortgage payment lower, our entire household debt load dropped dramatically AND our tax obligations is going to drop. Our only regret is that we didn't find Brian and Heroic Financial sooner! Thank you Brian. ”

Scott and Christina D. - Benicia, California

"Thank you Brian and team! You got me the information I was looking for, faster than I ever expected it...and the information was always 100% honest and correct.

There was never any fluff or B.S. behind it...just hard facts. That quality of service is hard to find real estate...especially the mortgage business.

You are the most honest mortgage broker I have ever spoken with. I can tell you are dedicated to what you do, and always doing it better, and that is to be admired. I am very happy with our new home and mortgage.

Brian, you will be my mortgage broker for a very long time to come, and I will recommend you every time the topic comes up. Thank you again."

James Avery - Dixon, California

"Brian made our transaction fun AND educational. Right from the start I knew we could trust him and he delivered a better purchase mortgage program than he initially told us.

You can know that what Brian and his team says is the truth. I have had a lot of people before give me a bunch of smoke and mirrors. Thankfully, Brian provided a breath of fresh air. I really appreciate his up front methods.

Brian doesn't pull any punches...but it's better to know where you stand. I always recommend Brian and his team...they have always done a fantastic job!"

Charlotte G. - La Mesa, California

"Talk about knowing how to do tough loans. Brian and his team have the knowledge down. Best in their business to say the least.

I had a real tough loan and not much time to get it done...the seller was really pushing to move quickly.

The pressure was mounting on me and just as I was about to give up, Brian was like a ray a sunshine in a 6 month storm with no sun. He quickly took control of the situation and in no time I was in my new home and living the dream! Go with Brian and his team. They are the BEST!

Keith - San Diego, California