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April 2021 by Peng Y.
Bill gave me a better mortgage strategy after he reviewed my financial background. I was going to pay 40% down payment because I heard some financial institutions gave better APR if you increased the down payment from 20% to 40%. But it was not the case here. So Bill suggested to pay 20% down and use the rest 20% to get 2% credit of the loan amount which saved us significantly. He is really knowledgeable and saves your time by clarifying all key points effectively for people who don't have too much experience in mortgage like me. I would definitely recommend him to anyone who has mortgage needs.
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March 2019 by Robert S.
I can't say enough good things about Bill and his team! They assisted us in getting a fantastic rate on a mortgage to purchase a home in a new development in Irvine and the team made this by far the least painful process we've ever encountered (we've done 2 other new mortgages, 3 refinances, and a HELOC). They worked with us every step of the way, from our initial signing of the contract through gathering and submitting our documents to our final closing, keeping us informed of key events and making sure that everything went off without a hitch. They worked closely with the developer and escrow, communicating information expeditiously and reliably so that we didn't have to constantly be trying to move information and documents between them. And if all of this weren't enough, they were always available to provide information, advice, or assistance as needed. It seemed to not matter what time of day, if I emailed Bill, I'd be getting a call back from him shortly to address any issues I was having at the time. Thanks Team Kelso!
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July 2018 by Bonnie C.
I recently purchased a new home in Irvine and had an excellent experience with the Kelso Team. They were the in-house lender for my builder. I was unsure about buying the house initially due to the uncertainty of the tax reform. Bill Kelso and John Blanchette were very approachable and spent a lot of time explaining their program. The excellent mortgage program was the key factor in deciding to purchase the house. I didn't even bother looking for another lender at all. I worked very closely with Dan Gattuso during the underwriting process. Dan is one of the most helpful, responsive, and efficient people that I have ever met. My underwriting process went very smoothly with his coordination. The entire team was very friendly to work with. On the day that I submitted my pre-approval document, Natalie came down to pick up my document which made my stressful day much easier. This simple gesture meant a lot to me. Overall they delivered everything that was promised to us. Thank you again to the entire Kelso Team!
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June 2017 by Parik Mats
Working with Bill and his professional entourage at Kelso team was a true delight, they will treat you with respect, will give you undivided attention and most importantly will listen to your individual needs. Home mortgage industry where there is a cutthroat competition, they truly standout for their exceptional service and the knowledge they possess about the industry. They helped us customize a solution to our specific needs and closed our loan on the day it was promised to us.
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June 2017 by Michael Lee
I rarely take the time to write reviews, but I felt compelled to write this one after receiving service that I believe goes above and beyond the normal call of duty. My wife and I had finally found a home we loved, but the seller would only accept our offer on the condition that we could close in 21 days. My real estate agent had a lender that could close in that time, but the interest rate was far above what we could get if we went with a traditional close time (30-45 days) and a larger lender.
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June 2017 by Daniel Sepasi
Brian Ballman, their lending associate, lied to me when I was shopping around for my loan. After running my credit, I saw different terms in the loan application. When I complained, they apologized that their colleague, Brian, gave me wrong information 3 weeks ago, that's all! Luckily I communicated through emails so I've had evidences.
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June 2016 by Chris Park
Our special thanks to Bill Kelso, John and his team for a wonderful job they did helping us with our loan process not just once, but multiple times over the years.
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June 2016 by Nancy Coelho
Yes, we had great experience working with Kelso team! Their rates are great and service is exceptional! John & Bill are very helpful, explained all the costs that involved in the escrow process. I will recommend them to anybody who needs loan for buying a home!
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June 2016 by Brian Bayati
The Kelso Team handled the loan for our family's home purchase. Bill Kelso was very knowledgeable as to different loan structures to suit our circumstances. Dan was always readily available to handle document preparation and transmission. We were very pleased and would certainly count on the Kelso Team for future financing needs.
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June 2016 by Paul Chiang
My wife and I had an absolutely amazing experience with The Kelso Team at On Q!
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June 2016 by Jasmine Toomasian
Bill Kelso and his team were very courteous and efficient throughout our home buying experience. They met with us regularly to answer any specific questions. They followed up with emails and phone calls to make sure we were clear with our efforts.
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June 2015 by Bob Edmonston
Bill Kelso and his OnQ Financial team are awesome. They were genuinely interested in us while also ensuring we were well informed and properly and professionally serviced throughout the entire process. They made the process clear and efficient resulting in a timely and expeditious closing as was promised. It was by far the best experience I have ever had.
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June 2015 by Rena Cao
Bill and Patrick from On Q Financial had done such an amazing job from day one to help with our new home purchase. They've made every step of the way super easy, smooth and transparent. They are extremely professional, respectful and really good at what they do. and on top of that, they got the best rate in the market!
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June 2015 by Margaret Leisenheimer
Bill and John were so professional throughout the whole process. They made it super easy and kept me informed at all stages. This was by far the best finance experience I have ever had. I highly recommend anyone to use their services, you won't be disappointed.
