John Wheaton

Nothing I will say here hasn’t been said before by the other reviewers. John is one of the most professional, transparent and knowledgeable mortgage brokers I’ve worked with.
Will surely do business again with him
Thanks John!

I just finished closing a mortgage that John handled for me, and wanted to add to the praise his other satisfied clients have left on Unilocal.I’m self-​employed and this was my first mortgage, so it wasn’t cut-​and-​dry. I’d been looking at buying a property for a year or so now and had talked to a few other brokers/​mortgage advisors (including another one at BofA). I always got a lot of misinformation and people that really didn’t seem able to answer my questions, enough that I never felt comfortable in the abilities of who I had been speaking to. I came across John on Unilocal one day when I had started seriously looking at properties again, and he did not disappoint. He was exceptionally knowledgeable, competent, patient, and professional. In the rare instance when I called him and he didn’t pick up, I never had to wait long for a response. Likewise whenever I sent an email.
John is an absolute asset to BofA, and whether you’re an existing client of the bank or not, you owe it to yourself to reach out to him. Buying a home and getting a mortgage can be a long and tricky process, and people as knowledgeable, experienced, and professional as John can be hard to find. He is not only willing to help, but he actually enjoys his work and will go the extra step for you. He even showed up at my closing with escrow, gift basket in hand. I can’t thank him enough for all he did for me, and would never hesitate for a second to use him again and/​or refer him to everyone I know.

I first started working with John more than a year before I finally closed on my home. My finances are kind of complicated, so that year-​ago conversation gave me the opportunity to get some great advice from John and allowed me the time to dot all the i’s and cross all the t’s for a loan approval on a complicated package.
John was always available, from early morning to late evening, and on weekends, to answer questions and review docs. This is important because offers are often made on nights and weekends! When some last-​minute issues came up right before closing, John was able to step in and cut through the red tape.
This is not my first mortgage. I’ve gotten many mortgages in the past, both purchases and refis. John is by far the best mortgage person I’ve worked with. He has a great team as well. Both the assistant (Duy) and loan processor (Laz) were on the ball and kept me up to date throughout the approval process.
I highly endorse John for all your mortgage needs.

I was referred to Mr John Wheaton. I contacted him and left a message. He immediately contacted me back. I discussed with him what my situation was. He immediately gave me different that I could consider. He took my information got me with me within a few days. Things went so well and so fast I could not believe it. Whatever he Asked for I was able to get it to him with in a day. He kept me abreast to everything that was going on. My load was approved in approximately three weeks. Thank you Mr Wheaton for an outstanding job. I would not hesitate go refer my friends to you if they need a finance or refinance. Thank you again for a job well done

I’ve heard very good things about John from my realtor and from the Talk Irvine forums. Last year, I was in the process of purchasing my 2^nd home. Previously, I used another lender who I was loyal to at the time. However, my first contact with John was very pleasant. He gladly provided me with mortgage rate information to assist my understanding of MBS and how it affects rates. He showed great patience with all of my questions and hesitations. Each subsequent contact with John was just as pleasant. He always answered my calls. I decided to lock my rate with him a couple of months prior to my expected home close. Unfortunately, the builder’s lender eventually came back and beat his rate. I felt bad for leaving John, but John was very understanding. I made a promise to him that I would go to him if I ever refinance.
Fast forward a few months and here I am. I refi’ed with John. John was very patient with me. This time around I was a lot more stressed and most likely I did not make a good conversationist for John. Not surprisedly, John was very accommodating and he made the whole process very simple. The underwriting portion went so smoothy that it made the entire re’fi process transparent.
I highly recommend John’s services to everyone. His rates are very competitive but best of all you will be working with a great gentleman!

If I could give John 6 stars, I would. John delivered an amazing level of customer service that is not typically expected in this industry. I found him to be thorough, very knowledgeable, sincere, patient and greatly appreciated his constant stream of communication. I don’t think the man sleeps– he responded to all requests, questions and concerns immediately, even on weekends! Even though I was concerned at times on issues that arose, John swiftly addressed them immediately, provided explanations and assurances as needed based upon his vast experiences and made sure that we had nothing to worry about the process. Looking back, I had nothing to worry about since we implicitly trusted that John would take care of anything that came up and he did every single time. It was an honor to be able to work with someone that provided such a high level of customer service and I look forward to referring him to family, friends and anyone that needs a lender!

John really understand customers service and Bank of America is REALLY lucky to have such an individual with high caliber in mortgage industry experience working for them. John manerism has always put us at ease during the most stressful time of the home purchase. From the initial contact with John to the end of signing proces he have guided and provided helpful answers to all of our concerns. It is a rare occurance to have proffessionalism combine with thoughtfulness assurrance like a trusted friend together and that is what John did. Thank you John for your guidance. I will surely look for you at my next opportunity to do business.

Short Story: John guided my husband and I through what could have been a very stressful situation and helped us save a TON of money.
Long Story: My husband and I were buying a new construction home and locked in a rate with the builder’s lender, which was competitive at the time. Fast forward to 28 days before closing and rates dropped significantly. We tried to work with our current lender to lower our rate, but they just wouldn’t budge. We were nervous to try to apply for a new mortgage that late in the game (late closing = lots of fees), but decided to do some shopping around.
My husband found John on a local forum and got in touch with him about our situation. We were nervous to move forward because of the time crunch, but John assured us he would do everything he could to make sure we closed on time, and was able to get us a really great rate.
As you probably guessed, we did close on time and John was a pleasure to work with. We were extra nervous about the process and he responded to all of our questions in a helpful and timely manner. He even attended our closing!

I was referred to Mr. Wheaton via a local real estate forum. I am a first time home buyer with many questions and little experience with the mortgage process.
He was very courteous and prompt. Very experienced with the details and nuances of the process. He didn’t mind my random questions or that the answer was right in front of me, I just didn’t read it correctly.
Because this was my first home purchase, I have nothing to compare against. But from the horror stories I have heard of, my experience with John was incredible.
He and my agent have worked together before so the communication was rapid. My agent also recommended Mr. Wheaton before he knew I had already chosen to do so.
I would recommend him without hesitation.

John came highly recommended when we were looking for a reliable loan officer for our refinance. And I have to say every single good words about John’s professonalism turns out to be 100% true. Not only the rate and closing fee is very satisfactory but also his patience though out the entire refi process. John always explains with great detail whenever we have any questions in timely fashion and believe us we had tons of questions to ask during our process. The entire refi process working with John is nothing else but a pleasant experience. He has my highest recommendation if anyone has any loan related need!

I just purchased the home I’ve been renting in Sherman Oaks. This was my first time buying a home and John was so helpful in shepherding me through every step of the process. Unlike other loan officers, who my escrow officer said are out of the process as soon as they sign you up, John was available at all hours and on weekends to answer questions, make sure my documents were passed along to the processor, etc. He’s a pleasure to work with, very cordial and attentive. If it hadn’t been for him, we wouldn’t have closed in 30 days. On the day I closed, John was the one to call and tell me I was a new homeowner and offer more really helpful advice, which I have used. He’s fantastic!
I wish he worked for a better company than Bank of America, however. Despite John’s assurance at the beginning of the process that BofA has learned from past mistakes, some beancounter refused to look at me as an individual and give an exception because I was 2 months short of working for my company for 2 years. John and his team provided very convincing data and justification for the exception, including the fact that I freelanced for my employer for over a year prior to hiring, but BofA refused to give the exception. I am not happy with BofA or their service.
However, when he wasn’t able to offer me the original loan terms due to BofA’s bureaucratic stupidity, John found another loan I did qualify for and got that loan approved so that we met the deadline for the loan contingency. He still got me a good rate.
I would love to work with John again – BofA, I’m not so sure – but if I had to work with them in order to have John handle my next mortgage process, I would.

We just purchased a home in Ladera Ranch and John was great at every step of the loan process from shopping for a mortgage to closing. Our loan funded on time and we could not have been happier with the level of service John provided.
John was very professional throughout the process and responded quickly to all of our emails and calls. He also was great in communicating with our realtor which I believe is important in making sure an offer can be made quickly and that the closing is on time.
He is extremely knowledgable and calls upon his depth of experience to offer clients candid advice. I believe we were able to get a great rate at a fair price with John’s help.
We have no reservations recommending John to others.
Dan and Olenka B.

Just closed on a home in Long Beach with the help of John. Everything I’m going to say is a rehash of what everyone’s been writing…
That John is extremely professional, courteous, and very prompt in his response to your questions. I’ve emailed him a LOT asking all sorts of questions (this was our first time buying, we were complete newbies), and he was quick to reply.
John offers years of experience, and is very patient, even when our seller (not a nice man, who made things very stressful) caused us a lot of angst, John just calmly offered us his thoughts and guided us.
I’d definitely use John again when buying a home. It’s very difficult to find someone who’s nice, is a good listener, and extremely competent, and that’s John.

John Wheaton is a true gentleman, and he’s also an extremely knowledgeable lender who was able to help us where other lenders dropped the ball. He’s been generous with his time, not only to make sure we understood the process, to write our approval or pre-​approval letters, and to keep on top of our loan requirements while we looked for a place, but to take time to chat about music and life.
He also offered us lower rates than other companies we talked to, without the extra back and forth, and got things done fast. Something else cool about him is he’ll take the time to talk with you about your loan needs without pushing to get you to sign up.
Yesterday we were scheduled to fund, and when someone dropped the ball, John was right in there pushing to get things sorted out — and it was! Our loan funded today, and we really couldn’t have done it without him.
John Wheaton is a great guy, an exceptional lender, and we wouldn’t hesitate to contact him if we need another loan.

We hired John after reading the reviews and good recommendations by friends that worked with him in the past and we couldn’t have been happier. John always kept us informed and made sure that we closed our escrow on time and made our first home buying experience a lot less stressful. Thanks John!

John was such a pleasure to work with .We very recently closed our loan 15 days back and i definitely owe this to him.
He made the otherwise tedious process of refinance such a breeze and worked to explain us the details very patiently. Everything moved as he explained in the first conversation week per week! I exactly knew what to expect when and that was the most important comfort for me.
I was assured throughout the process that we were in good hands and looks like we were .we got more refunds then we were promised and the whole process was painless and predictable. Highly recommend! Cheers!

John is great!
He is very courteous and professional. I would say that my particular loan was a bit more difficult than the average as I currently live overseas and that made it a bit more challenging as far as documenting income and all the other various requirements. However John was extremely patient and most importantly very responsive to my emails.
It can certainly get very frustrating during those 30 days that it takes to close escrow and having John on my side was extremely helpful.
And the best part is that you got it all at a very competitive rate. I would definitely recommend John without any hesitation!
–Mr. & Mrs. M

John, you’re amazing! Thank you for helping me realize the dream of being a home owner in SoCal. Your flexibility, patience, and solution-​oriented thinking were the foundation to my being able to sign loan docs yesterday! A million thanks!

John contacted me toward the end of last year to see if I would like to refinance since rates had dropped. He helped me refinance our new home and previous home (now a rental). Excellent experience overall. I also needed some assist refinancing 3 Texas rental properties — he referred me to Corbin (also part of Intercap/​Suburban) who has been excellent as well. Thanks guys!

John was awesome.
As I have explained to others, one of the parts of what made me so comfortable with John was that I knew there would be no problems with my loan approval because John makes sure that all your t’s are crossed and your i’s are dotted.
John is honest and up-​front. I knew if I was reaching for a home that was more than I could comfortably afford, or could qualify for (sometimes these are different depending on the bank, if we’ve learned anything from the housing bubble at all), he would have let me know. Because of that, I felt very comfortable with the process, of what I bid on homes, that I could actually AFFORD the home, and knew with an absolute certainty that John had prepared my loan documents, supporting documentation and background information in such a precise way that upon further review, everything would be found in order, above-​board and exactly what was needed to be approved.
Knowing that also gives you a lot of confidence when you are making bids. Having a pre-​approval letter from John is great ammunition to have to convince sellers you are serious (and more serious than others that don’t have one), that your offer is meaningful, and if they accept your bid there is a higher chance that the sale will go all the way through.
John also talked me down from a ledge a few times as I got agitated with others involved in the process (nothing to do with John or MetLife Home Loans). The biggest issue I had was Bank of America & Scottrade which each lost my two wire transfers on the closing day — guess all that bailout money hasn’t made BofA any better at being a bank).
He provided several different loan options for me to choose from, with different rates, different monthly payments and answered my questions about each of them.
He answered my emails incredibly fast, his out-​of-​office emails include additional contact information if it’s an emergency (to which he responded incredibly fast) and he answered all my questions, provided useful advice and just all around made the process as painless as possible.
I also heard from my RedFin agent that other people in RedFin love working with John because he is so easy to work with and everything is always done correctly.