Colonial Credit

★★★★★
  • 23046 Ave De La Carlota # 600

    Laguna Hills, CA 92653

    Map & Directions
  • 949-459-1814

About Colonial Credit

Hours
By appointment

Professional Services

Professional Services
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5.0 7
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This company really looked out for me and my wife. The listing agent forced us to prequalify with "his guy" which I thought they couldnt require, Fortunately after talking with Colonial, they told me I could choose anyone I wanted to for my loan. I never knew this was my right as a buyer so I forced the issue and got my way. I'm glad I did.

I bought my house in December 2010 after 6 months of looking. Colonial Credit was very patient. They locked my rate at just the right time and when my purchase was done, it turned out my loan was at a rate almost a full percent under what the going rates were in Late December and January.

I would bet these guys would beat anyone in service AND probably have the best rate too...I wont go anywhere else. I already referred my mom and dad for their refinance. Colonial Credit knows their stuff. I highly recommend them!

5
★★★★★

This company really looked out for me and my wife. The listing agent forced us to prequalify with "his guy" which I thought they couldnt require, Fortunately after talking with Colonial, they told me I could choose anyone I wanted to for my loan. I never knew this was my right as a buyer so I forced the issue and got my way. I'm glad I did.

I bought my house in December 2010 after 6 months of looking. Colonial Credit was very patient. They locked my rate at just the right time and when my purchase was done, it turned out my loan was at a rate almost a full percent under what the going rates were in Late December and January.

I would bet these guys would beat anyone in service AND probably have the best rate too...I wont go anywhere else. I already referred my mom and dad for their refinance. Colonial Credit knows their stuff. I highly recommend them!

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In April my wife and I found a house and made an offer. The approval letter from our bank (Chase) ended up being useless and they turned it down due to my income. I didnt know how they could do that, but then my realtors own broker also had the same problem.

Anyway the listing agent had me go to Colonial Credit and I talked to Larry and Mario who said they would find a way. Every other day for about 2 weeks they kept me updated as they called a lot of lenders and finally found one who agreed to consider my loan. "Consider" did not make me feel any better, but after two more weeks of fighting the lender they actually got it done. I am so glad I stuck with them because it would have been a disaster if I had never met them.

I want everyone to know that these guys are true professionals and really nice people. Their company and everyone there treated me with a lot of respect and never gave me false hope...just the facts. They ended up helping us close our house loan and we were able to get our Federal tax credit thanks to their work.

I dont care who you use, just make sure they are honest. I really think companies like Colonial Credit are few and far between, and my wife and I are grateful for people like Mario and Larry.

5
★★★★★

In April my wife and I found a house and made an offer. The approval letter from our bank (Chase) ended up being useless and they turned it down due to my income. I didnt know how they could do that, but then my realtors own broker also had the same problem.

Anyway the listing agent had me go to Colonial Credit and I talked to Larry and Mario who said they would find a way. Every other day for about 2 weeks they kept me updated as they called a lot of lenders and finally found one who agreed to consider my loan. "Consider" did not make me feel any better, but after two more weeks of fighting the lender they actually got it done. I am so glad I stuck with them because it would have been a disaster if I had never met them.

I want everyone to know that these guys are true professionals and really nice people. Their company and everyone there treated me with a lot of respect and never gave me false hope...just the facts. They ended up helping us close our house loan and we were able to get our Federal tax credit thanks to their work.

I dont care who you use, just make sure they are honest. I really think companies like Colonial Credit are few and far between, and my wife and I are grateful for people like Mario and Larry.

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.

I will only do business with Colonial Credit from now on.

Last month my wife and I were trying to buy a house but the listings all made us apply with their lenders (I dont think it is proper..but what could we do?) Anyway, each time the lenders said we had too high a debt ratio. Wells Fargo and our own credit union would take about 10 days just to tell us "no".

We were about to give up and figured we would never get into a house. I was complaining to my next door neighbor, and he said he worked with a guy who knew some guy who pulled a miracle and helped him buy a house last year. That person ended up being Mario (Mario Fiermonte is Colonial's President).

So, I call Mario and he tells me "don't worry....if I cant do it noone can"...and off I went.I applied online, and though it took some doing because my situation was wierd, he got it done. My interest rate is low, and Mario has turned out to bee more of a friend than a mortgage guy. His people made me feel appreciated, and he was honest about all the benefits and pitfalls. Without his company I dont know what we would have done. I HIGHLY recommend them

5
★★★★★

I will only do business with Colonial Credit from now on.

Last month my wife and I were trying to buy a house but the listings all made us apply with their lenders (I dont think it is proper..but what could we do?) Anyway, each time the lenders said we had too high a debt ratio. Wells Fargo and our own credit union would take about 10 days just to tell us "no".

We were about to give up and figured we would never get into a house. I was complaining to my next door neighbor, and he said he worked with a guy who knew some guy who pulled a miracle and helped him buy a house last year. That person ended up being Mario (Mario Fiermonte is Colonial's President).

So, I call Mario and he tells me "don't worry....if I cant do it noone can"...and off I went.I applied online, and though it took some doing because my situation was wierd, he got it done. My interest rate is low, and Mario has turned out to bee more of a friend than a mortgage guy. His people made me feel appreciated, and he was honest about all the benefits and pitfalls. Without his company I dont know what we would have done. I HIGHLY recommend them

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I have done four refinances in the last 10 years. EVERY TIME I used my bank (Bank of America). Anyway, after 11 weeks (yes, ELEVEN), the bank told me I didnt meet their income requirments. I was upset because I was going to pay off my credit cards and go with my company on a trip to Europe.

When my boss heard about this, he said he got a loan from them in 2003 and loved them, so I called and talked to them. I wasnt sure how it would go, but after I talkked to Mario I felt like I would have a chance (but the proof is in the pudding, right?) so after he assured me I would get my loan, I was just hoping he wouldnt make me wait 3 months. I gave him all my information and THAT DAY he said their online system apporved me.

I still didnt believe it all, but then a week later the appraiser came, and then about 2 weeks after that I signed. Not only that, but he gave me a lower rate than I thought I could get. How could the bank have turned me down? Mario explained to me that his company can use different funding sources...well, Im a believer now.

You would be crazy to use anyone else but these guys. It was like dealing with someone Ive known for years...and I PROMISED him I would always go back.

Chalk one up for the little mortgage company that could!

2
★★★★★

I have done four refinances in the last 10 years. EVERY TIME I used my bank (Bank of America). Anyway, after 11 weeks (yes, ELEVEN), the bank told me I didnt meet their income requirments. I was upset because I was going to pay off my credit cards and go with my company on a trip to Europe.

When my boss heard about this, he said he got a loan from them in 2003 and loved them, so I called and talked to them. I wasnt sure how it would go, but after I talkked to Mario I felt like I would have a chance (but the proof is in the pudding, right?) so after he assured me I would get my loan, I was just hoping he wouldnt make me wait 3 months. I gave him all my information and THAT DAY he said their online system apporved me.

I still didnt believe it all, but then a week later the appraiser came, and then about 2 weeks after that I signed. Not only that, but he gave me a lower rate than I thought I could get. How could the bank have turned me down? Mario explained to me that his company can use different funding sources...well, Im a believer now.

You would be crazy to use anyone else but these guys. It was like dealing with someone Ive known for years...and I PROMISED him I would always go back.

Chalk one up for the little mortgage company that could!

Pros: Were lower cost, better rate than my ownbank!

Cons: Not as many locations, but who cares with the internet!

.

My bank couldnt come close to what these guys offered. My bank also said it would take 2 months (no thank you!), still, I was a little hesitant, but my sister in law said Colonial really helped her, so I called them.

Finding these guys was a real miracle. Everyone else I talked to wouldn't give me straight answers. It took only a couple of minutes to apply, and they had my loan done in a little more than 2 weeks. When I had a question, their President (Mario Fiermonte) took my call and answered it!

I still cant believe I am paying such a low rate when everyone else said the rate would be about a half of a percent higher. When you have 3 kids like I do, every penny counts. It is nice to finally do business with a company that cares about their customer.
I already referred my next door neighbor and his wife to them.

5
★★★★★

My bank couldnt come close to what these guys offered. My bank also said it would take 2 months (no thank you!), still, I was a little hesitant, but my sister in law said Colonial really helped her, so I called them.

Finding these guys was a real miracle. Everyone else I talked to wouldn't give me straight answers. It took only a couple of minutes to apply, and they had my loan done in a little more than 2 weeks. When I had a question, their President (Mario Fiermonte) took my call and answered it!

I still cant believe I am paying such a low rate when everyone else said the rate would be about a half of a percent higher. When you have 3 kids like I do, every penny counts. It is nice to finally do business with a company that cares about their customer.
I already referred my next door neighbor and his wife to them.

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Colonial Credit got us the house we had been trying to get for 3 months , a foreclosure AFTER some other fool said we never would!! ! My realtor sent me to one of his 'friends' for the loan and the guy said I would never get a loan. about 6 weeks ago when I was waiting for my realtor at his office to look at more houses, one of the people there overheard me telling my husband about this other loan company and said they have sent almost 40 people to Colonial Credit this year and every one of them got their house!

I could go on and on and on about how great they were!!

5
★★★★★

Colonial Credit got us the house we had been trying to get for 3 months , a foreclosure AFTER some other fool said we never would!! ! My realtor sent me to one of his 'friends' for the loan and the guy said I would never get a loan. about 6 weeks ago when I was waiting for my realtor at his office to look at more houses, one of the people there overheard me telling my husband about this other loan company and said they have sent almost 40 people to Colonial Credit this year and every one of them got their house!

I could go on and on and on about how great they were!!

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1 out of 1 people found this review helpful.

.

After I talked to someone from a TV ad (actually 2 places, DiTech and Greenlight) and also one idiot from a radio commercial, my neighbor sent me to these guys at Colonial Credit in Laguna Hills near Irvine... and they saved my bacon!

I live about 5 minutes from their office, and I applied for my loan online after talking to them ...and I couldnt believe they even beat my bank (Wells Fargo) by almost 3 thousand bucks!

Anyway, long story short, their owners live around here too (Mario and Larry), and they have had almost 30 years experience and it really shows! I will NEVER, EVER go anywhere else for a loan! Its like a great secret that you want to tell everyone about!

5
★★★★★

After I talked to someone from a TV ad (actually 2 places, DiTech and Greenlight) and also one idiot from a radio commercial, my neighbor sent me to these guys at Colonial Credit in Laguna Hills near Irvine... and they saved my bacon!

I live about 5 minutes from their office, and I applied for my loan online after talking to them ...and I couldnt believe they even beat my bank (Wells Fargo) by almost 3 thousand bucks!

Anyway, long story short, their owners live around here too (Mario and Larry), and they have had almost 30 years experience and it really shows! I will NEVER, EVER go anywhere else for a loan! Its like a great secret that you want to tell everyone about!

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1 out of 1 people found this review helpful.

 

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