Stephen Testa II

Name: Countywide Mortgage Lending
Address: 100 South Escondido Blvd., Escondido, California, 92025
Telephone: +1-760-746-7388
Rating: 4.98

Mortgage Advisor | NMLS # 1301792

Countywide Mortgage Lending - Escondido

4.98

(48)

Mortgage

Mortgage Loan Officer

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(760) 746-7388

Escondido, CA

https://stesta.gemcorp.com/

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4.98

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stephen is great Verry helpful anytime you need him he is availabel.

Reply from Stephen Testa II

April 16th, 2026 02:19 PM

I'm happy to hear that my availability and assistance have been valuable to you, Leilani. It's important to me to be there whenever you need help. If there's anything more I can do, please don't hesitate to reach out.

Stephen is verry helpful any time you call him his respond and if i want to see him in person his available.

Reply from Stephen Testa II

April 16th, 2026 02:16 PM

I'm pleased to hear that my availability and responsiveness have been helpful to you, Albert. It's important to me to be there when needed, whether over the phone or in person. If there's anything more I can assist with, please feel free to...

Stephen. Stephen made it so great. He's exceptional at his job. Not only that, but he adds a personal element that takes the experience to the next level. He's not just my Mortgage Guy, he's my friend too!

Reply from Stephen Testa II

March 12th, 2026 04:29 PM

I'm grateful for your kind words and the opportunity to work with you, Jennifer. It's important to me that your refinancing experience was positive and personal. Building strong relationships is a key part of what I do, and it means a lot to...

As my realtor put it, Stephen reached "super-hero" status when working on my loan. We were on a tight timeline during the Christmas holiday and he delivered on time as promised. He was quick with responses and happy to answer any questions...

Reply from Stephen Testa II

January 1st, 2026 04:16 PM

I'm genuinely glad to hear that you found my support helpful, especially during such a busy time of year. It's rewarding to hear you've had a positive experience again. Your trust in my services for the third time is greatly appreciated, and...

Stephen was professional, knowledgeable and kind. I knew what was happening every step of the process and would absolutely refer him to friends and family

Reply from Stephen Testa II

November 20th, 2025 09:21 PM

I'm glad to know that you found the refinancing process clear and well-managed. Your recommendation means a lot, and I appreciate your trust in me. If there's anything more you need or if questions come up, I'm here to help. Thank you for your...

Coming in as a first time home buyer I knew nothing ! Stephen was always available and able to break things down to where it was understandable and I could formulate my own decisions

Reply from Stephen Testa II

September 7th, 2025 08:09 PM

It’s great to hear that I could assist you as a first-time homebuyer. Helping you understand the process and make informed decisions is always my goal. If you have any questions or need further assistance in the future, I'm just a call away....

He was fabulous and highly recommend him To all . He knows his stuff and really helped us in everything . He is great . Kind person and great worker too.

He went anove and beyond and communivated communicated everything to us every step of the way . He made the mortgage part of it painless

Reply from Stephen Testa II

April 10th, 2025 03:39 PM

I'm thrilled to hear that your mortgage process was seamless and that I could assist in making it painless for you. It was a pleasure working with you, and I appreciate your kind words. If you have any further questions or need assistance in...

UPDATE: It happened again! Stephen just took me through a re-fi process and was as exceptional as he was the first time around. I can't recommend him more highly! He will forever be my Mortgage Guy.ORIGINAL POST:Stephen was AMAZING! Truly,...

Stephen was AMAZING! Truly, this was a very bumpy time for me and he helped me to navigate through it all. He is incredibly knowledgable and professional, while still maintaining a very warm and welcoming approach. Mr. Mortgage Dad was extremely...

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About

Hi! I am Stephen Testa II your Mortgage Dad! Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you! With the Mortgage Dad on your side, you're in good hands and can have the peace of mind knowing there is a wide variety of loan programs and the most current rates available All of this is backed and supported with the assistance of a seasoned customer support team.

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Down Payment Assistance

Conventional Home Loan

Mortgage Refinance

Adjustable Rate Mortgages

DSCR Loans

Cash-Out Refinances

Bank Statement Mortgages