Choice Lending

My sister and I had the privilege of meeting Janet Stacy last week, Choice Lending’s Reverse Mortgage expert from the Rancho Cucamonga office, to help us with some concerns we had regarding my 88 yr old Mom’s reverse mortgage.
I’d obtained a referral to contact Janet from a friend, who’s done business with her several times in the past, including holding seminars together at a number of senior centers, where Janet would present information about reverse mortgages to elderly folks, offering them knowledgeable direction and an ability to learn their rights under the current laws pertaining to all aspects of a reverse mortgage.
We needed some expert advice ourselves, and answers to several questions about our mom’s reverse mortgage. Ever since my Dad passed suddenly in 2009, and with my Mom’s dementia, my sister and I have been taking care of her, handling her finances (power of attorney), and making health decisions. Thankfully my dad had obtained the reverse mortgage years earlier prior to his passing, which is what we’ve been using to pay for mom’s full time, live-​in caregiver now, due to the progressive nature of her Alzheimer’s Disease.
There were several things we were looking for~ we needed to speak with someone honest, sharp, and on the ball, who knew the reverse mortgage business inside and out, to inform/​advise us about what we needed to do to protect my mom’s home, what to anticipate down the road, how to prepare for the inevitable, and how to proceed with the property when mom passed. The meeting was very relaxed, there was no pressure… Janet was very informative, so learning about all of these things ahead of time gave us peace of mind, as we’re both clueless when it comes to handling an estate!
Just wanted to say that our experience with Janet has been top notch… she was very patient, took as long as needed to explain things to our satisfaction, and went way above and beyond our expectations! If you or someone you know needs competent, accurate advice, has questions about, or is interested in applying for a reverse mortgage, we both highly recommend Janet Tracy, a 5 star asset to the Choice Lending group! :)

When looking for a lender or broker, I looked high and low. Not many high desert area reviews worth a darn. So, I figured, «Choice» sounds logical since I’m making a choice out of a shot in the dark. This was the first call I made. They are a direct lender, and have mortgage brokers. The best of both worlds, offering you the flexibility some of us need. Now let me preface my review in saying that it’s been a few years since we’ve purchased a home. We had a terrible experience first couple go arounds. We previously went with a mortgage broker both times, who were referrals from friends and family. Yeah no, didn’t work out so well and we were completely taken advantage of.
So back to the story. I called Choice and the man who answered was Steven Taylor. He’s a branch manager of the Rancho location, but happened to be in Victorville that day. After dealing with problematic credit issues, talking to multiple credit counselors, I had confidence in Steven but was sure we couldn’t buy a home yet. He stayed late and met with my husband and I that night, knowing a loan probably wouldn’t be in our future. Steven stayed late and met with us that same night, knowing we still didn’t look like qualified buyers.
He pulled our credit and went through it line-​by-​painstakingly-​awful-​line. The coaching then began. He knew financially we could afford to buy a beautiful home, but we first needed to clean up our credit. He walked my husband and I through the process of credit disputes, and even gave us sample letters to use. When we left that night, we still couldn’t buy a home, but we knew what we needed to do so we could buy one in the future. I started the dispute process the next day, and behold, less than 3 months later, we turned our credit scores around and raised our scores over 150 points with each bureau. Our scores have continued to improve since then and we couldn’t be more pleased.
Steven offers the most full service broker and lender solution I’ve ever seen or heard of. He checks in with us from time to time, and we’ve gained not only a business partner for lending, but we’ve gained a friend. He’s a huge supporter to us in our home buying process and he’ll always get referrals from us. Because of Mr. Steven Taylor, we’ll always be back, and will always be sending referrals his way. He’s got our full loyalty and confidence, and Choice Lending has our business for the entire time we live in California. Although he works out of the Rancho office primarily, he will be in Victorville anytime you need him. He lives in the high desert area, and is always willing to meet out of whatever office is convenient for you. Without Steven, we’d still be back at square one, not able to buy a home again. We are so grateful to have found him, and this upstanding lending organization.
Bottom line, if you’re looking for a real lender, who’s honest and won’t play games with you, you’ll find exactly that at Choice Lending. And if you’re looking for superior service, ask for Steven Taylor. He’ll exceed every expectation you have about lending organizations.