Lumin Lending, Irvine, CA

John Tran and the loan processor Susan Lim have been very effective and efficient in guiding my wife and me through the entire process. Having done refinance for a couple of times, we were pleasantly surprised by the professionalism and speed....

Michael Douthwaite was a pleasure to work with, patiently guiding us every step of the way and always available for a quick call whenever we had a new question. I have been through this process 2 or 3 times with different lenders, but thanks...

Kevin was helpful and quick to respond and answer any questions we had. He made sure we got the rate we wanted and helped walk through some upcoming fees and timelines related to refinancing. The turnaround from initiating a quote to closing...

Patiently answered all my questions. Consistently quick turn around times. Made process easy, transparent and fast. When we had to make a last minute change on closing day, Kevin and Claudio updated and pushed everything for the change through...

We still cannot believe we closed in under 30 days, at a much lower interest rate, and for a far lower overall closing cost than other lenders were offering (our current mortgage servicer included)!!Kevin Pham was great and his professionalism,...

Kevin Pham is amazingly helpful and knowledgeable. He helped me refinance my house with an amazing ease. I highly recommend Kevin for mortgage help. Thanks Kevin.

Kevin was the main reason, that the refinance was such a great experience. He was knowledgeable, fast on processing documents, and a great communicator. I won't hesitate to recommend him to others who might need to refinance their homes.

His communication was excellent very easy to talk to well educated and skills. I can call him anytime whenever, I have questions. I will get the answer back ASAP. I am so happy to have him as my LOAN officer, I recommended to everyone and I...

There is not enough space to write how excellent the service was that we received from Kevin. One impressive aspect of his service was the Friday phone call without fail. He would summarize the work completed for the current week, then give...

I worried that my loan process would be challenging (for a variety of reasons), and indeed it did take a "village" of talented, coordinated professionals (the team) to move steadily through the process during this year of drama - not to mention...