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Testimonials:
Phil is extremely efficient, friendly, and knowledgeable. He has handled our last 5 loans. Our questions were answered quickly and our calls were promptly returned. Phil handled everything, so we just sat back & didn't worry. We trust him completely.
-Tom & Cindy M.
Phil has been very helpful with lending questions and responsive to my many clients, so naturally I felt secure to work with him for my own needs. The ease in which the transaction took place, the courteous reminders on items I needed to provide, the follow up by Phil and his terrific staff are all reasons I chose to work with Phil.
-Cheryl B., 2003 President, San Diego Association of Realtors
Phil is very honest, thorough, and courteous.
-Paul & Connie B.
I am a realtor-Phil does 95% of the loans on my real estate transactions. I don't have to worry about my transactions funding in a timely manner. Phil and his staff are extremely responsive to my clients' needs as well as my own.
-Michele A., Realtor, Prudential California Realty
Phil secured two prior mortgages for us, with great results. He is professional, honest, fast, and convenient. Phil was great at answering the questions we had and I have already referred my boss and a coworker.
Phil thanks so much for everything. I appreciate all that you have done for Sarah and I. Best wishes to you and your family!
-Rick & Sarah M.
I worked with Phil previously and knew he would do a great job! Phil's knowledge of all the loan products that would fit our situation made the entire process smooth and easy! His staff was very friendly and helpful as well. We always tell everyone about you!
-Jay & Tracy C.
Excellent service was provided for my previous mortgage needs. Top service and follow-through, questions answered quickly, excellent staff. Thanks for everything Phil-you are tops!
-Pamela K.
We've used Phil for previous transactions and have a high level of trust with him. Phil and his staff provide superior service-phone calls are promptly returned the same day. The whole process was very fast and took very little time and effort on our part. Phil is always one step ahead of us-he calls us when rates are favorable and we should consider refinancing. Somehow he quickly has our loan file in front of him each year when we call him.
-Jerry & Linda C
I was able to reach him by phone and/or get calls returned promptly.
-Rocco & Kimberli B.
A friend recommended Phil to me. He was courteous and made the process as easy and convenient as possible. He worked hard on behalf of "us" the customer.
-Jerry & Tiffany C.
Phil Joseph has helped us in the past and we were very happy with his help. He and his staff were most helpful and the paperwork was handled efficiently and concisely. I will definitely recommend Phil Joseph!
-Keith & Eunice B.
Phil was highly recommended by our real estate agent. We especially liked the level of service, including the speed and commitment. We did not have to worry about any part of the process-everything went smooth.
-Mazen & Theresa L.
Total efficiency! Thank You!
-Kent & Judee W.
Phil was very responsive and on track. He knows his business!
-Charlie & Regina S.
Phil & his staff did exactly as they said they would do-excellent service!
-Carl C.
A dear friend referred me to Phil. Excellent service, excellent advice, and Phil does exactly what he states he will. Completely satisfied!
-Chris T.
Phil did my previous 2 loans. He is very professional and easy to work with. He made it very easy for me! Efficient, easy, and great service-Phil and his staff did a great job.
-Bill R.
I was referred to Phil upon the recommendation of my agent. Quick approvals.
-Corey T.
Great, highly personable level of service, very flexible, and very professional. You will be hearing from our neighbors-I gave them your card.
-Andrei & Elena N.
Straight-forward communication and guidance on various loan programs.
Thank you Phil!
-Anne W.
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