Golden State Financial Group - Rancho Santa Margarita, California

Candice P.

Todd and his team at Golden State Financial Group are excellent. I highly recommend their services. I was at my wits end, trying to make things work out. Todd & I talked and my life has changed. Thank you!! I am so very grateful! After years of asking our mortgage company for a modification know where with Chase, I received an email from Golden State Financial Group. Todd , Lorraine and Suzie his team were very easy to work with! They made the process painless. I saved $530 per month with my new rate and loan! We can’t say thank you enough!

franks A.

After the last 10 years of asking our mortgage company for a modification, and being told there is no modification
for conventional loans, I received an email from Golden State Financial Group. It peaked my interest to say the least! Todd and his team were very easy to work with. They made the process painless! My house payment is now $1068.00 less per month with new loan and new rate! We can't say thank you enough!

Sharon D.

In early 2020 we had been exploring options for streamlining our finances, when my husband came across the loan modification services offered by Golden State Financial Group. By the time the COVID-19 pandemic went into full effect in the US, we figured we would have to wait to avail ourselves of the benefits of the program. However despite the added stress of the pandemic, Todd reached out to us to get the process started, and had his wonderful team of Lorraine & Suzie keep us focused on gathering and submitting the required documents. Within a 3-month period the effort paid off because we got the outcome we wanted ... thanks again! To anyone exploring this possibility, I would not hesitate to recommend Golden State Financial Group for their professionalism, efficiency, and friendliness in getting the job done.

Mary K. H.

We worked with Todd and his team about two years ago when our ARM rate skyrocketed to more than triple, and our bank, whom we had worked with for 15 years with not one late payment, refused to work with us.
The team was amazing and the whole experience was incredible. He didn't tell us to trust him, but because of how things were handled, we trusted his guidance and process implicitly!
Today, I reached out to Todd to check whether we would be able to take advantage of the falling interest rates. Our call reminded me that I need to let others know that Todd and this team are the first phone call you should make when you need help or information on your home mortgage.

Below is the final email I sent to Todd and his team.

Dear Suzie,
I just got off the phone with Todd. You guys are so amazing! I can't even write the words that express our gratitude for all you guys did to help us. Your follow through and professionalism in how you handled us was second to none. Suzie, I have worked with professionals in many different industries and they don't measure up to you and the service that you provided! I mean that sincerely. You are the gold standard at what you do.
Thank you, Thank you, Thank you...

Andre G.

I tried 3 times on my own to try and work with my bank to try and lower my rate on my home loan. I have a file 6 inches thick of all the paperwork they needed. I got the run around and I was declined all 3 times. I found Todd from Golden State Financial and I was very skeptical at first. But he was amazing. He was brutally honest with my situation and was there every step of the way. He got Chase to lower my rate from 6.5% down to 2% and extended my loan to 40 years. He saved my family $2K a month and he saved our home and we will be forever thankful for what Todd did for me my family.

T R.

After calling my mortgage company every 6 months for the past 3 years I got the phone call that changed everything! Todd called me and explained the loan modification process to me in great detail. His team went right to work informing me of the documents and suggestions for approval that I would need. Every time I had a question Todd was there to answer me and calm my nerves. It was a stressful 3 months waiting for my approval but definitely worth it. For anyone out there who can't do a refinance I suggest doing a loan modification. It was the best move I had ever done and am happily enjoying the huge savings that I received!

Cynthia J.

What a great group of people! From Todd to Lorraine and Susie, I felt they really listened and were helpful at every step. They were so professional and I liked the personal touch from Todd, sharing his story. It made me feel like he really understood. I highly recommend this group of professionals as they understand the nuances of the financial picture. Never promised me anything they could not do and finally I feel that this is a company that did not take advantage of me.

Stan K.

Great company. Todd and his staff did a fantastic job in obtaining a loan modification for us. They were able to save us over $3000.00 per month. We would not have been able to obtain a loan modification with out them. The process was easy if all the information they request is done in a timely fashion. I was a little skeptical at first but they really came through. I highly recommend them