IHL Direct

My wife and I refinanced our home through INFINITI HOME LOANS, INC, we worked with Anthony Ricks. Anthony went above and beyond, I know that he has many clients, but he made us feel that we were his only one. Anthony is knowledgeable, helpful, caring, and professional, his communication skills are awesome.

I am a proud first time homeowner thanks to the help of Chris Cadiz. Chris was very honest, patient explaining everything and walked me thru the entire process from day 1. He even went out of his way on a late Saturday night to accompany me signing loan docs making sure everything was as promised. Thanks for the great work Chris!!! Greatly appreciated!

Stanley and the team at IHL are nothing short of professional and attentive! We’ve had 2 refinances with them and our family refinanced with them and the process was smooth and without issues. In addition Stan was great about keeping us aware of pending trends in rates and when to lock in a great rate. He also helped me with advice on improving my credit rating to guarantee a better loan. I give this company
an A+!

We recently bought our first home with the help of Chris Cadiz and we could not have been happier. He was helpful since day one. He understood our situation and provided the best guidance possible.
We just want to tell Chris how much we appreciate all his hard work, long hours and obstacles he had to jump through to help us make our dreams of becoming home owners a reality.
We are very lucky and fortunate to have Chris and his team working with us during this whole process and we could not have asked for a better team to work on our behalf.
Additionaly, we just refinanced with Chris and we got a great rate, paid zero out of pocket, and the process was very very quick. We honestly had no idea what we were doing but Chris walked us through the whole process explaining everything and making it extremely clear what we were doing. He did a good job keeping us informed when we had a lots of questions about the process.
Chris was recommended to us via good friends and likewise we highly highly recommend Chris to anyone looking to buy, sell, refinance, etc.
Thanks Chris. You guys Rock !

I recently sold my house and everything was taken care of by Christopher Cadiz. It was quick and stress free. He took care of all the paperwork and transactions and I couldn’t have asked for a better person to take care of me. Chris is smart and good at what he does. He is very personable and friendly.

I recently refinanced my condo with Chris Cadiz from IHL Direct (referral from a co-​worker). It was probably one of the most stress-​free experiences I’ve ever had. In a nutshell, he did all the work, got me a lower interest rate, covered all the closing costs, recommended homeowners insurance, and even sent a notary to my house. I basically just signed new paperwork and saved hundreds per year (thousands over the span of the loan). Again, no out-​of-​pocket cost to me and Chris handled everything with the highest professionalism and responsiveness. I’d highly recommend Chris… hands down the best. Keep up the great work.

Once again, Chris Cadiz has gone above and beyond for me and my family. As my realtor, he was able to get my condo sold in less than 2 weeks! My neighbors had their condos listed for at least 30 days before mine, but they were still without buyers even after I closed escrow.

I just completed a refi for my home. I worked with Meggie Chan. Although the process took quite a while with many documents flying back and forth; Meggie was instrumental in keeping things moving and driving the refi to closure. I highly recommend her and he company.

Meggie Chan is a SUPER STAR. She knows exactly what she is doing. She is a fantastic communicator, no matter what time of the day she is always happy to assist.
We recently bought our 1^st home. Our case was as complex as complex could get. We were an exception to most rules for borrowing being new to the country and we were really stressed.
Meggie DELIVERED in a timely fashion, In fact she was the driver and backbone to our entire buying process. She put us at ease every step of the way and really looked after us.
We are most certain we would have never received the rates, nor the service, nor the timely result with any of the conventional bank.
We are impressed with the passion and commitment Meggie has and will certainly be using her again when we refinance.
I would highly recommend her services even the team she works with Stanley they are really good.

I worked with a childhood friend, Chris Cadiz, on my first home purchase and I can say that he was one of the main reasons I’m able to call myself a homeowner today. He was patient enough to walk me through the entire process and even before that, gave me honest answers on what I would be able to afford.
He was extremely responsive throughout the whole escrow process and there were times I called him after hours on a regular basis. During the scary ordeal, Chris helped me gain confidence in the decisions I was making without any fluff.
Chris is an outstanding person to work with when it comes to your home loan!

Meggie Chan was my loan officer and she was very professional. I work long hours and sometimes 6 days a week but I can always get a hold of her even in the evenings or weekends. She was really nice and helpful. I feel bad because this was my first refinance and I had a lot of questions but she took the time and answered each and every single question. She made me feel really comfortable throughout the whole process. I highly recommend her to others.

What can I say about Meggie? Amazing, efficient and kind. She made everything so easy and we got 2 properties refinanced and closed in record time. You have to do your part and get her the paperwork she needs and if you do that then it’s smooth sailing. I would work with her again in a second.

Meggie Chan helped me with my loan /​refinance. She was extremely helpful, and thorough working around my schedule. I would highly recommend Meggie, and the rest of her team at IHL. I have refi’ed before with a different company, and it was a nightmare. This time the process was very smooth and painless.
I would absolutely go back to her again.
Thanks Meggie!

I worked with Meggie Chan on 2 of my refinances. She’s very hard working, positive, helpful and most importantly caring and customer service oriented.
She enjoys helping others and very patient throughout the long process. I would highly recommend her to anyone out there looking for great service. Very responsible and will always try to do the right thing and will be transparent and informative.
She’s now my go to person for home loans… I hope your company will soon service Texas, as I will be purchasing a property in the near future. :)
Thanks Stanley for recognizing and hiring a great person to be part of your team, it speaks to your dedication on customer service and good leadership is always a good foundation for a great company!

I was a mortgage lenders dream… didn’t ask questions and asked for any changes. But when my husband and I decided to refinance our house, we were referred to talk to Chris Cadiz at IHL. And I’m so glad I did. Chris is definitely deserves 5 stars.
Chris explained every detail and made us finally feel comfortable with the process. After our initial meeting with him, we felt confident enough to start the process. We knew he was trustworthy and that we were in good hands. Chris was direct and straight-​forward but always with a friendly and helpful attitude. He always made us feel at ease and we knew that «no question was a dumb question». He went above and beyond, and I can tell that he puts his clients first.
Chris is genuine and reliable. I have every confidence that even though the loan has gone through, Chris will continue to look out for us. If you are looking for a loan advisor, I would highly recommend Chris Cadiz. If you are still unsure, give him a call and see for yourself. You won’t be disappointed.

I have worked with Chris Cadiz and his team on numerous loans and it is always smooth sailing! I often recommend clients to him and I practice what I preach, because he also handles all of my personal mortgages as well.
I have come across many lenders, yet the rates and terms that IHL provides are very strong. They can customize your loan terms according to your financial situation, and still remain competitive with their rates. I really love the straight forward no nonsense approach that Chris Cadiz offers to me, and I highly recommend his services.

I was very pleased with the service I received from Megan Chan on my loan application at IHL Direct. The company’s website states, «Our mission is to serve our customers with honesty, integrity and competence.» Many companies make statements and claims such as this, but on my loan application, Megan proved herself worthy of those ideals. The process of applying for and obtaining a mortgage can be confusing, but Megan patiently answered all my questions along the way, making an opaque process more transparent.
She derives satisfaction from helping her clients save money, and goes out of her way to find the lowest interest rate and maximum credit for her client. She also goes above and beyond what is expected, working late and on weekends to expedite the processing of your application. During my application, she discovered an alternate option which would save me significantly more money than my original quote, and she patiently helped me through that process even though it was a lot of extra work (and no additional benefit) for her. She truly puts her clients’ interests first, matching their specific situation with the best possible solution.
I have dealt with a few other loan advisors previously, ranging from very bad to good. But Megan is the best of any I have interacted with. From the initial call, Megan struck me as genuine and trustworthy. I am glad that my interactions with her throughout this process confirmed that first impression. If I ever have a need for another loan, I would seek her directly, with the confidence that no other loan advisor would be able to get me a better rate or provide me better service. I would highly recommend her for anyone in need of a home loan.

I can’t express my gratitude enough for the level of professionalism and service provided by Ms. Meggie Chan of IHL. I look forward to a long term relationship and in referral my friends and family to her with mortgage needs.

Don’t even think about going anywhere else.
Anyone shopping for a home loan can tell you what an incredible pain in the butt it is, especially if you don’t know what you’re doing. I’ve been through this process with several different companies through several different times and here’s the bottom line:
FIND. SOMEONE. YOU. CAN. TRUST!
Due to the fact that the rates change on a daily basis and that different banks require a plethora of different documentations, there’s no way to know for sure if what you’re getting is really the best rate or not. They can promise you one thing and change their mind and blame the market the next day, and this can either be totally legit or a total scam. How can you know?
Meggie Chan helped me out with my refinance this time around, and let me tell you that she went above and beyond every step of the way. She followed through every annoying question I had and was responsive at all times of the day, of every day of the week. She found me THE best quoted rate among the companies I shopped through, and not only did she continue to watch the market everyday for me, she managed to lock it at an even lower rate. There was apparently a county problem with regards to my property holding up my refinance — she went out of her way to contact the county and got it expedited. No way she had to do that, but she just did. She also closed my loan a whole week faster than expected. Seriously, I can go on and on. Make sure you ask for her — you seriously won’t find anyone else that is more transparent, more hard-​working, and more trust-​worthy.

Let me start off by saying that I take my reviews VERY SERIOUSLY. There are people that I’ve known for years that have asked me to write a good review for them, but out of good conscience, I just couldn’t do it. I’ve also been offered money for my reviews. Turned that down, too, by the way. It’s just not in me. Why taint something so simple and then feel like a super liar for it? Uh, no thanks. I write my reviews just like I use my reviews — to either HELP or WARN people about the experiences I’ve had.
Let me start by saying, I got my initial home loan through Bank of America. Typical stressful situation that everyone warned me about. Big mistake. Automated phone calls. Unorganized paperwork. And I literally felt like I was a number and not a person signing away hundreds of thousands of dollars to them. Not the experience I wanted.
Maybe a year ago, I was recommended to talk to CHRIS CADIZ at IHL. I did. We did the back and forth e-​mail thing. I didn’t think what he was offering was any better than my weekly e-​mails from the lenders who somehow got my e-​mail address, so I moved on and didn’t think much of it.
A few weeks later, I get a follow-​up e-​mail from Chris. Mind you, I did not ask for this follow-​up e-​mail. Chris remembered us from the first e-​mail exchange that we had, and he was writing to us to let us know that through comps that he knew about in our area, the market, and how the rates were doing, he thought it would be a good time for us to refi.
As I read the e-​mail, it sounded too good to be true.
Well, let me tell you, it wasn’t. This guy knows his business.
Before working with Chris, I did my research — on him, his company, and I even reached out to other loan people that I knew in the industry to see if what he was saying was true. I had one friend tell me, «If he can do that, then that’s a great deal.» I sat down with multiple people to go over the refi that Chris was proposing and I asked them to break everything — every number, every term — down for me. HOW CAN THIS BE A NO COST LOAN? HOW DOES HE MAKE HIS MONEY? Every responding voice said, «Cheryl, if this were my loan, I’d go with him.»
So we decided to move forward with the refi. The process was simple, straightforward, and I totally felt like I was «safe» the whole time. Every time I felt like something wasn’t adding up, Chris was right there to explain what was going on. Now, that’s a good feeling. I had a professional going to bat for me to put money back in my pocket. AND I had other professionals — competing professionals tell me that what Chris was doing was impressive.
Our loan funded. It was an exceptional experience… But somewhere between then and now, I got so busy, I didn’t have time to write a review for Chris.
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Fast forward a year. Rates just went down again. I call Chris this time. I ask him what our options are. Chris is straightforward with us. He says what we want isn’t impossible but more realistically we should expect this. He sends us a bunch of different options. One sounds acceptable. We move forward. Chris makes the impossible possible. He locks us at the exact moment the rates hit their lowest before they started to rise again. Like I said, this guy KNOWS his business. He knows what he’s doing.
All in all, Chris has saved us $ 550 per month since we’ve started working with him. And over the course of the loan, he will be saving us hundreds of thousands of dollars. Thank you, CHRIS.
Like I said, I take my reviews VERY SERIOUSLY. And I CAN HIGHLY, HIGHLY RECOMMEND CHRIS CADIZ to all of you.