What Clients Tell Us About Their Experience with MCA

Our customers know us for competitive rates and over 30 years of customer satisfaction. Our integrity is reflected in our “A+” rating with the Better Business Bureau (BBB). As you know online reviews are becoming more and more valuable to borrowers and businesses like ours. Please take a moment to write a review of our service and let us know how we are doing!

Jerry T. from Portland, OR
Victor P. from Debary, FL

I have financed about 3 to 4 properties with Mortgage capital Associates.   I started with my primary in 2003 and recently financed two more loans with Jennifer Cho as I am purchasing my 5th property. Jennifer is just an awesome loan officer.  She is the reason I come back to you guys.  Very helpful and mostly cater for the customer needs and strive to accomplish these needs rather than shuts down any requests.  Can’t find any complaints so the least I can do is show my appreciation to her and how much of a value she is to your company. Keep up the good work guys.

Mark K. from Kent, WA.

As a real estate professional, I’ve now worked with Jennifer Cho of Mortgage Capital Associates a few times over the past several months.  Her level of professionalism, communication, and overall timeliness is outstanding.  I can’t stress how many lenders I’ve come across over the years that leave so much to be desired.  This company, and Jennifer, stand above the pack.  I highly recommend her team.

Simone C. from Glendale, CA.

We were so lucky to have found Jennifer. We were first-time home buyers and not familiar with the lending process. Jennifer responded to our online inquiry on a Sunday and had been just incredible with explaining the lending process to us in detail throughout. In the beginning she wasn’t sure if she could work with us, but she still took the time to respond whenever we emailed her with questions. We did eventually get to work with her and she worked hard to get things lined up in a very timely manner. We went into the buying process thinking that everyone would try to take advantage of us. Some of the loan officers we talked to certainly made us feel that way. But Jennifer proved them wrong. Her integrity is second to none. We would work with her again in a heartbeat.

Caline E. from Los Angeles, CA.

I was dealing with 3 different companies when i started the process of refinancing my home to remove Mortgage Insurance. MCA was by far the lowest provider not just in loan costs but also interest rate. Their service was also impeccable. Sidney Flores and her team were updating me constantly on the status of my refinance. At all hours not just your standard 9am to 6pm office hours. Really a great organization and you should definitely give them a call if you are looking for mortgage loans.

Juan P. from Upland, CA.

They were very up front with the costs (which were lower than any other mortgage broker I could find) so there weren’t any surprises later and Stephanie Steren, my contact, was always available to answer any questions. They made my whole mortgage refinance significantly easier and less stressful than setting up my original mortgage. Would definitely recommend them to a friend.

Eric P. from Emeryville, CA.

The Loan Officer that we used was Jose Flores and I was extremely impressed with the wonderful customer service he provided me and my wife. He did an outstanding and efficient job in servicing our loan. He was courteous, detailed, knowledgeable and patient with any question or request we had of him. I thanked him for his great service. I found you all through Bankrate.com and Jose almost immediately contacted me once I submitted my information. He followed-up with me as I requested and was professional in all that he did. I would highly recommend Mortgage Capital Associates and Jose to anyone that I know is looking for a home loan. As a matter of fact, I have already recommended you all to friends already.

Rafael & Maria J. from Texas

MCA and Jennifer Cho was a pleasure to work with. Jennifer and her team was always very responsive, especially with the fact we were working in 2 different time zones. Rates were competitive and so was the pricing. Jennifer and the MTG team was very thorough and efficient each day through the process. Should I ever need a loan or refinance, I wouldn’t blink twice to come back to MTG.

Ralph A. from Illinois

I came across MCA through an online search for the best mortgage rates. I engaged with Jennifer through their online Chat tool and instantly was impressed by her knowledge and advice on various products. I was initially suspicious about going with an online broker and someone I had not met, but Jennifer made me feel at ease. Jennifer and I worked together to ensure a quick closing on my vacation home refi which is not necessarily the easiest mortgage (given it’s remote location) Thanks!

Colin H. from San Jose, CA

We found MCA on Bankrate.com, searching for a lower rate than our builder’s preferred lender who treated us like they were doing us a favor processing our loan. I was a little hesitant at first but after a little research we decided to go with MCA. We could not have been more pleased. Everything was handled electronically and Jennifer Cho was always available for any questions or to discuss the next step. I would certainly recommend MCA. There was one minor issue however about the escrow where we were being asked to provide a full year’s escrow at closing. Hours before closing the loan we opted to eliminate the escrow. The staff at MCA had everything revised immediately and sent to the tile company and closing occurred on schedule. Overall, it was a great experience.

Drew P. from Cypress, Texas

I have closed on multiple homes with MCA and worked more than once with Jennifer Cho. My overall experience has been excellent. The rates and customer service are very good. I would not hesitate to recommend MCA to others.

Ajay P. from Virginia

I came across MCA via BANKRATE and got in touch with via chat Sidney Flores. Since then I’ve been dealing with him. Very helpful and prompt response and still pushing hard to get my FHA mortgage approved even though I’ve had issues in my credit profile. My loan processor is Katie C. who is also very very helpful and knowledgeable. I have a good faith that Sidney and Katie will get my loan approval quickly. I strongly suggest to anyone to give a chance to MCA for their mortgage needs. I will even recommend to my family members from NY even though I don’t get my loan! Thanks MCA.

Simon F. from Las Vegas, Nevada

My overall experience with MCA was excellent! Stephanie is the best and always had my best interest, goat a loan approval right away at a great rate.

Michael B. from Spring, Texas

My experience with mortgage capital has been excellent. Stephanie Stern has been exceptional, answers my phone calls my texts very promptly and of course provide me with exceptional rate. I am able to close in less than 30 days. Truly exceptional customer service and will definitely go back to mortgage capital and especially Stephanie for future mortgage needs.

Laura L. from Los Angeles, CA

I’ve had two great experiences with MCA. Jennifer Cho is probably one of the best MCA mortgage loan consultants. I know that she’s been working there for over 10 years, and she really knows the business. On the two occasions I worked with her, she always provides excellent and timely service, bending over backward to push loan documents through every step of the process toward completion.

Grace P. from Pasadena, CA

I rate my overall experience with MCA to be a great one. Even though seeing mixed reviews on Yelp, I decided to give MCA a try as they are local to me in Southern California (I found them on Bankrate). I first inquired online via Live Chat and connected with my to-be loan consultant Jennifer Cho. She was very knowledgeable and polite throughout the entire process. She provided me answers on all my questions/concerns that I had regarding our credit history and the situation we were in. She provided the rates via email and there was no pressure to fill-out a loan application for our investment property refinance. After some shopping around for rates and talking to other lenders, we decided to go ahead and proceed with the refinance application with MCA. The overall process was really quick in my opinion. We were able to close and get funded in about 3 weeks sin ce first filling out the loan application. We had all our information that was needed already scanned and ready to email/upload when they requested it so that probably helped speed up the process. Katie Chuoo was our loan processor and she too was also very nice and helpful throughout. I would definitely consider MCA again in the future for any of our home loan needs and would recommend them to our family and friends. Thank you Jennifer and Katie for making our investment property refinance happen!

Kenny V. from Los Angeles, CA

Fast. Efficient. Pleasant. I was a little concerned about dealing with an internet service but they came through for us and made it easy. Good experience overall.

Amalie H. from Nevada

Very positive experience. The entire process was smooth and expedient. My loan officer was particularly pleasant to work with. Thanks.

Kevin M. from Reston, VA

I had a good experience with MCA. Their rates were very competitive and they worked with me to get the best rate and discount points that made sense for us. Emails and online services made this experience as easy as expected. I will use them again and recommend them to friends and family.

Greg C. from Lake Arrowhead, CA

My overall experience with MCA was excellent! This is third time I did home loan transaction with them and they proved again I was right in coming back to them for loan. From the first email conversation with the agent to the funding notification, their handling of the matter was superb at every step, keeping me constantly updated in a timely manner. I would highly recommend MCA to anyone who is looking for a home loan. They are two thumbs up! ☆☆☆☆☆

Jay K. from Los Angeles, CA

I have worked with MCA for many years and always refer clients, friends and family. Outstanding service, great value, always there when you need them.

Sharon R. from Chicago, IL

Wonderful refi loan service. I’ve been through four mortgage processes prior to this one. Without a doubt, this was the easiest. The staff were friendly, answered all questions almost immediately by email, the documents were sent flawlessly, and the loan closed more quickly than I had ever anticipated. I’d definitely do business with this company again.

Michael B. from North Caroline

Overall the experience with MCA was good. They definitely had the best rates and lowest fees. Communication could have been a fair amount better than it was. Be prepared to talk to multiple people throughout the process. Sometimes misinformation can ofcur…too many cooks in the kitchen. In the end, I closed quickly and without too much stress. I would recommend MCA to my family and/or friends.

Jennifer M. from Berkeley, CA.

Wonderful experience,very professional,know how to get it done. I’m highly satisfied with this experience,so far so good. God bless all of you and pay you back infinite ways .Me and my wife thank you all so very much and we wish the best of both worlds.Merry Christmas and a happy new year!

Rafael & Maria