Independent Home Lending Ratings & Reviews

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NMLS ID: 1118243

Independent Home Lending

(5 of 5) 7 Reviews

100% of our customers would recommend this lender.

About Independent Home Lending

Independent Home Lending's goal is always to provide you with the best service and the best loan program for your situation at the lowest rate and cost available.

Loan Officers

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David Milo Aliso Viejo, CA
Timothy Kyle Aliso Viejo, CA
Doug Sorto Aliso Viejo, CA
Joshua Wilson Aliso Viejo, CA
Paul Mondello Aliso Viejo, CA
Ian Ejan Aliso Viejo, CA
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Customer Reviews

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7 Reviews

(5 of 5)
Review Breakdown
  • (7)
  • (0)
  • (0)
  • (0)
  • (0)
  • Loan Officer Review
    from Kingsburg, CA
    (5 of 5)
    Recommended!
    Reviewed:

    TEAM DAVID!!!

    A years ago I was looking for a loan officer to assist me with the refinance of my home. I received several responses from different lenders. One stuck out at me. So my husband and I took a leap a faith and chose David Milo. He was very down to earth and yet very professional. We had a few bills and my husbands credit wasn't the greatest. I was not sure if anyone would be able to help us. David made it seem so easy. He was very reliable. Always returning phone calls, no matter what time of the day it was. Even though his office was 300 miles away. I always felt as through he was right down the street. Two months ago I decided to refinance again. I text David, he literally got back to me with in minutes. He said he already had all my info and that he would get started on it right away. It seriously was the easiest refinance I had ever done. Everything was done mostly on-line. It was quick, easy and unbelievably painless. I am now working with him again to refinance my moms house. In the past when I bought and refinanced my homes I had never stayed with the same lender. My family is now team David. My niece will also be contacting David to assist in the purchase of her first home. Thank you David and your team for doing an amazing job. I know that I can be a little difficult at times, I just want to let you know that I appreciate all your hard work... Read More

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  • Loan Officer Review
    from Stockton, CA
    (5 of 5)
    Recommended!
    Reviewed:

    One of the best in the industry

    I'm actually not sure where to began in providing David a review. He's a stand up guy and hits a 5 star in every category of responsive, knowledgeable, Helpful and Follow Through. To begin, my initial contact with David was in May/2015. He gave me his background (10+ years experience) and numbers on what would best fit my scenario in terms of a refinance. You talk to various mortgage professionals and you have to take everything they say with a grain of salt. To be honest with you, with everything that David told me what stuck in the back of my head was "if it's sounds too good to be true then it is" It's not that I did not trust David, it's that I wanted to explore my options in order to make sure that I was making a sound decision considering you're getting into a 30 year commitment here. I viewed my options with a competitor and I even told David that. He said he completely understood that I was shopping around was patient with me. He told me that he was in the industry for over 10 years and knows every angle now on to my short story..... The other lender I reached out to me and let me know what they could close within 30 days. I was very intrigued by this but their numbers did not add up so I became skeptical, all in all it took me nearly 17 days to get a response from them on numbers and at that same time the rates went up so I lost out on locking a good rate, was I mad? YES? but during this entire time that I was waiting on this lender to get back to me, David was patient with me, contacted every 3 days or so to see if I made a decision with that lender and if so, he'd close out my file, no hard feelings and to add on that he's been in the business for over 10 years and he knows what he is doing and has seen this scenario before. Fast forward....David's competitor delays the process in the numbers and tells me all of a sudden that they can have me sign within 2 days....awesome deal but the numbers did not add up to me. David as patience as he is reached out to me again and I told him the situation....I was burned by this lender in terms of fees, the wait time and the rates going up so I gave David a chance. I tell you this. I should have went with David in the first place. the term "If it sounds too good to be true then it is" does not count with David....he's honestly legit and trustworthy...I'm always skeptical of predators but this is what David is not...he's trustworthy and you can even ask him if you can give me a call....I honestly don't mind giving you the verbal feedback. Now the categories Responsiveness - He's very responsive, even more responsive than I am in my industry (health insurance). In terms of phone calls. I call just to leave a voicemail and he picked up almost every time leaving me to wonder if he ever sleeps or is even human. In all honesty I don't expect anyone to pick up every single call but he was 90%-95%....I don't you to hold him to this considering we are all human and have are lives but David is very responsive on a legit level. Knowledgeable: He's been in the industry for 15 years....trust me....he knows his stuff. As you know the things in your industry....David knows the things in his industry. Helpfulness: David has been there every single step of the way and has answered every question truthfully. All in all I put him above in helpful above when I first purchased my house with a different lender. Follow Through: Everything above speaks as a definition of follow-through. As I said, he's a stand up guy, very knowledgeable and I'm not being paid to write this...it's just the honest truth. As long as David is in the industry, I'll go through him for my purchases and refi's and anyone who choses to go with David after reading this review...all I want you to say is that "Sam was right"... Read More

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  • Lender Review
    from Lincoln, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Great

    Great Service! Fast Process! Better Rate then I ever imagined! Thank You

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  • Loan Officer Review
    from Lincoln, CA
    (5 of 5)
    Recommended!
    Reviewed:

    My Refinance

    David was real pleasure to work with. He answered all my questions and made sure that there were no surprises. David kept me up to date with the refinance process and was very accessible when ever I needed to call with a question. I would definitely recommend.

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  • Loan Officer Review
    from Texas
    (5 of 5)
    Recommended!
    Reviewed:

    Superb

    Superb job by Tim. Told me things about my mortgage that I didnt even know!!... super smart and a true wealth of knowledge.

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  • Loan Officer Review
    from Long Beach, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Got the job done

    Can't really ask for more when he got the job done and the deal didn't change. One minor complaint though - took a while for him to get back to me every now and then. He blamed it on other departments which I guess could be the case.

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  • Loan Officer Review
    from Fairfax, VA
    (5 of 5)
    Recommended!
    Reviewed:

    Can't Say Enough! Such a great Loan Officer

    Tim was extremely professional. Customer service was excellent! We closed in almost exactly three weeks from start to finish. Thank you Tim for all of your hard work!

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Independent Home Lending's goal is always to provide you with the best service and the best loan program for your situation at the lowest rate and cost available.