Client Reviews

What people say about my Loan Services?

Tim is NUMBER ONE!!!
Ivy tran from Corona, CA

Excellent lender! I would recommend Tim as a lender for anyone who are looking for a loan to buy your dream house! Tim is very professional and super fast to perform his work. We closed the case and I got my loan within 3 weeks and that’s such an amazing effort he and his team did for us. He will let you know where is your financial position and help you to prepare everything the lender can ask for in advance. He is a great great lender I used to work with! Call him now and you won’t regret!

extremely helpful
cassfr37 from Hemet, CA

Tim was extremely helpful throughout the whole process. Any questions I had he answered them right away. Knowledgeable about everything. He communicated everything to us that was needed. Would definitely recommend him to any of our friends in the future.

Above and Beyond
user06667284 from Hemet, CA

Tim was extremely helpful in all areas. Great communication on the entire process. Always willing to answer any questions we had no matter if we thought they were silly or not. Explained everything to us with ease to where we could understand the process. Completely straight forward and honest.

Simply the BEST!!
pilgrimjpt from Simi Valley, CA

My wife and I had experienced the loss of income due to an injury resulting in permanent disability; the refusal by credit card companies and our mortgage lender to change terms due to the loss of income and disability; and fraud from a debt consolidation company contracted to negotiate our debt down but then took our money and ran. The perfect storm.

We ended up taking back our debt, only to have success in negotiating a reduction in payment with two of our creditors. We received 1099Cs on the others and had to pay the remaining balances when our tax bill came due. This was followed by our mortgage lender telling us we would qualify for a loan modification if we fell at least two months behind on our mortgage payments, only to have our lender reduce our $3400 mortgage payment to $3300.

After years of trying to rebuild our credit it was near impossible to get anyone to listen. Then we had a friend recommend Tim. He listened. Made no promises and asked for several documents. He gave us hope. Hope turned into reality and we were able to refinance our mortgage even with our credit blemishes. Tim kept the lines of communication open. He was patient when we were not. Answered every question – more than once on some occasions. We never heard him sigh once, as if we were a bother.

So, if you are looking for a lender who truly cares – an individual of character and integrity – you need to call Tim…

Painless process
hypervtwin from El Dorado, CA

He made it as painless as possible and sent me text remimders. I am terrible at checking my email mail so it all came in handy. He is also very accessible for questions etc

I got the right loan for my needs.
Jeanette Meers from Los Angeles, CA

Tim is great! He was thorough and provided me with all the options and every loan available to me. I got the right loan for my needs. He is incredibly helpful and responsive to what people need.

Having been in the industry for a number of years, Tim was extremely knowledgeable …
blkcyprus from Irvine, CA

As a first time home buyer, the process seemed scary, complicated, and confusing. I was not sure where to start until I found Tim. Having been in the industry for a number of years, Tim was extremely knowledgeable and went to battle for me every step of the way to get the best rate and best deal possible. With constant communication and updates on the status of my loan, I was never left in the dark. Tim truly made my homebuying experience one to remember. Tim has a true passion for putting people in their dream homes. He wasn’t driven by the promise of commission like many individuals in this industry and was honest and upfront about everything, even if it wasn’t necessarily good news. Heart and integrity have become a rare commodity amongst human character traits these days, but not for Tim. If I could do this process all over again, there is no person in this world I would choose over TIM FORMICA!

We didn’t have a lot of time to move, so Tim was very on top of things sending …
Verna Ward from Moreno Valley, CA

Tim was awesome, when and if we buy another house, he would be the friend we would call. We didn’t have a lot of time to move, so Tim was very on top of things sending us info an acted quickly on things we requested. Very professional and friendly. I would refer him to a friend.

This, I’m sure was not easy but Tim got my family into our new home just in …
zuser20140220182328879 from Santa Clarita, CA

Tim has been the absolute BEST, he held my hand during this entire process and walked me thru step by step. Tim answered the phone every time I called at all hours of the day and night, (sorry about that). He even hand delivered my closing documents to ensure we would fund on time, now thats personal service! This, I’m sure was not easy but Tim got my family into our new home just in time for Christmas. Buying a home, as everyone would tell you, is very stressful but Tim put me at ease and made sure I got the best loan and delivered on his word. I would recommend Tim for all your loan needs, professional, attentive and Honest. Tim has earned my business for life!

He listened to what I want, provided thorough answers and explains the process simply.
sonnieswen4 from Huntington Beach, CA

Tim is excellent at his job of handling my re-fi. He listened to what I want, provided thorough answers and explains the process simply. He stayed ontop of my loan during the process to keep me informed. I highly recommend him.

He makes the process as painless as possible.
mgage30 from Santa Clarita, CA

Tim has helped us refinance our house 3 times.He is very knowledgable and always ready to answer questions as refinancing can be stressful and confusing.He makes the process as painless as possible.I highly recommend him for your lending needs!

He is very helpful and knowledgeable as well as patient when answering our many …
rusty504 from Ontario, CA

Tim has over many years been the “go to guy” for our immediate and extended family when anyone needed a loan. He is very helpful and knowledgeable as well as patient when answering our many questions. Tim is a reliable honest source of information that can be counted on to help. A real asset!

tim has been most helpful in explaining and covering all the different aspects of …
nomabates from Lake Forest, CA

Tim has been most helpful in explaining and covering all the different aspects of a new Mortgage and other Financial information needed to make good decisions for my future investments.

I highly recommend Mr. Formica for services.
hlnicolai from Rancho Santa Margarita, CA

Tim was very helpful and incouraging during the entire process! He answered any and all my questions that I had. Tim made the whole prosess run very smoothly even when I wasn’t sure about moving forward. He explained the various options to me and the right steps to persue going forward. I highly recommend Mr. Formica for services.

he was extremely helpful, courteous, punctual and knowledgeable.
shelagh689 from Rancho Cucamonga, CA

Our experience with Tim was excellent. He was extremely helpful, courteous, punctual and knowledgeable. I would definitely recommend him and use his expertise and services again.

He is readily accessible by phone or email and makes completing the complicated …
CalienteK9 from Rancho Cucamonga, CA

I am a very satisfied customer. I’ve worked with Tim on multiple home mortgages where he consistently finds the best interest rates and closing costs. He is readily accessible by phone or email and makes completing the complicated loan application easy on-line. I would recommend him to any of my colleagues.

Tim is a knowledgeable and professional finance person that has assisted me with …
user3071624 from Angelus Oaks, CA

Tim is a knowledgeable and professional finance person that has assisted me with real estate transactions as well as other retirement investments. He is a trustworthy and confidential person that I trust.

He was always available either by phone or email and was very courteous and personable.
subkids5 from Ventura, CA

Tim very helpful and knowledgeable. He answered all our questions in a timely manner. He was always available either by phone or email and was very courteous and personable. I would highly recommend Tim to any one looking for home financing

 

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