Mount Diablo Lending - Walnut Creek, California

ali M.

Awful experience with them. I contacted them, specifically Cody & Ramon, to refinance my mortgage. I had an offer at the time ready to be signed at a notary with another lender, but would like to shop around to see if I may get a better offer. They offered me a very good number that could save me $100 more a month. I stop working with the other lender as I relied on their promise. I submit all the documents they requested. It took 3 weeks!!!! for underwriter to finish her job, then they requested for an appraisal. I told them, you did not send me any official agreement for the promise you gave me on the rate and closing costs! Cody said, everything is good. They did not lock-in my rate!!!!! I said, I will not pay $700 for appraisal if I do not like the numbers you are officially giving me. Anyways, the numbers Cody offered me was 7k higher in closing costs. He said, lender does not give the credit they were giving initially!!! I said, why did not you lock-in the rate and he said, we cannot do that. I return back to my initial broker, he locked-in another rate (immediately !!!) and now I am collecting docs from scratch again for that. I had to pay 2k more for closing costs as well comparing to the loan I was almost done with it 4 weeks ago but gave it up because of these guys!!

My suggestion is avoid these stupid companies. They promise just to attract you. They do not care about your loss as they just think about their percentage.

Read reviews. I did not do that. You read the review and do not fall in their trap.

Maria S.

Mount Diablo Lending is definitely a 5 star operation! After being contacted by dozens of other lenders my first call with Patrick from Mount Lending left me highly impressed. I was looking to refinance a jumbo loan and also cash out, which is not always easy, but Patrick found the best terms to meet my needs. The process was extremely smooth. I uploaded my documents to their site, and was immediately contacted by Katie (Kathryn Hernandez), who is the most competent and pleasant person I have ever worked with in processing a loan. It was extremely smooth and she immediately responded to any questions I had via email or phone call. From start to finish my loan was closed in 2-3 weeks. To close, the title company sent a very professional notary to my home where I signed all the closing documents in the comfort of my home and at a time that was convenient to me, and the deal was finalized. I will be recommending this lender to my friends and family. They are honest, professional, and highly competent!

Alejandra A.

I just closed on my loan this month with Mount Diablo. Mount Diablo staff from start to finish were so helpful in answering questions. They stayed true to the loan estimate and quote they provided at the beginning. I was looking to refinance and get the deed in my sole name post divorce and they completely took care of making sure it all was done. They made it easy to review documents and sign. Everyone was super friendly, and it did not feel like they had to sale themselves or bombard me with calls. I appreciated their quick responses to questions and getting me closed within the time frame that they provided me. Under two weeks. I was super pleased and happy with the entire process. Thank you Ramon, Patrick and Kathryn.

Akash S.

I would've given them 0 if I could.
Gave me estimates for refinancing over phone that were pretty good.
I started the loan application and received Loan estimate that was quite different and expensive from what we discussed. During the 2 days of being with them, I would call them multiple times and email them but rarely got any reply.
Would make any customer nervous.

Strongly recommend to choose a different company.
Glad I went with bettermortgage. Though I'm paying a little more, the process is super smooth and they are very responsive.

Nahid L.

I had been shopping around for a mortgage refinance loan for a few months and I had contacted all big and small banks, credit unions and big online lending companies so I had multiple offers by the time we were ready to move forward. Finally we decided to go with Mount Diablo Lending because their follow up and follow through was amazing. Kathryn was on top of it and she made sure all my questions were answered (And I had a lot of them). They never changed rates or terms on me and there were no surprises. They also had the best rate and terms compared to all other lenders including our Credit Union. I am glad I found them and was able to refinance into a much better loan.

Brandon G.

I worked with Ramon and Mount Diablo a few years ago for a refinance and they did great. Went back to them for another refinance and this time has been horrible. I started working with them in Jan 2020 and it is now July and they still have not been able to fulfill their promises. Communication was non-existent and even thought I gave them chance after chance, including getting emails from Ramon saying that he was on it and was going to get this taken care of, I never heard follow up from him or any member of his staff. Avoid if you actually want to get the work done. Now having to start my refi with a whole new company.

Brian G.

I am extremely disappointed in the professionalism of Mt. Diablo lending and would advise anyone looking to do business with this broker to go elsewhere.

We reached out to Mt. Diablo in early July for a refinance and their initial hook was nice - "NO CLOSING COSTS - YOU'LL GET MONEY BACK" - only to see our estimated costs rise and rise and rise. After two months of back and forth, more like us reaching out to them with limited/late responses back from them, did we finally decide to cut ties. During this timeframe, it was a nightmare getting any answers from them and it always seemed to be someone different answering each time. I think over the course of the process we received emails from 4 or 5 different people from Mt. Diablo, and none of them seemed to have the answer, always deferring to others in the office.

We had laid out exactly what we needed from Mt. Diablo, yet they kept coming back to us with different numbers - no explanation, no answers, nothing as to why things were continuously changing.

The biggest issue by far was when I sent Ty a one-sentence email laying out exactly what time I was available to speak via a phone call he never responded to that email, only to call hours after the designated time. When I called back, he mentioned he didn't read my email - MY ONE-SENTENCE EMAIL! Does this sound like someone willing to work on your behalf to get you exactly what you need?

So now that we've cut ties with Mt. Diablo, we are out the home appraisal and some other fees. Fine, I don't care about the appraisal, that's just part of the process, but the other fees are an issue because they should only happen AFTER all parties agree on what needs to be done and that never happened.

As of this review, on 9/19/2016, I haven't heard a response from Mt. Diablo in 9 days which is when I last sent a request for more information.

Again, I urge you to go elsewhere when looking for a broker because Mt. Diablo will not be there for you.

David &. L. D.

BEWARE!! Worst experience ever. Stay away from this company
1. They pre approved us for a loan amount and then rescinded it during the loan process, 3 weeks in.
2. They refused to communicate with us when we had questions.They ( Mason, Paola, Elicia)would not return phone calls/emails.
3. The CEO Ramon would not return calls or emails.
4. 37 days into our loan process and the loan was still in underwriting. Mt. Diablo still didn’t have a closing date for us. Mt Diablo forgot to order certain documents that were needed for underwriting.
5. Day 38 we dropped Mt Diablo and went with another company and closed the loan in 14 days.
We have never had dealings with such an inept/ incompetent group of people.
Dave and Leah Davidson