HomePlus Mortgage

I sent a request for rate quote through
and was contacted by multiple lenders. James Rotta from Home Plus Mortgage was among one of those who contacted me. James was very responsive, and he had been so patient with me despite me having tons of questions and needing a lot of clarifications, confirmation and assurance throughout the process. He found a lender that offered me a fixed refi rate i was looking for, and his company credited me with the full closing cost couple of weeks after the loan was closed. We closed escrow a month after the rate was locked, it required a lot of documentations, but the process was pretty smooth. I would definitely work with James if I were to refi again!

Stephanie Wilson was super easy to work with. She made sure we understood everything during the loan process. She was prompt in answering phone calls, e-​mails and answered any question that I had. I would definitely recommend Stephanie.

Jonathan Rhode was so great to work with. From start to finish, my experience refinancing was so smooth and quick, thanks to him. He walked me through everything, followed up with me constantly and just made refinancing as easy as it could be. It only took 2−½ weeks total to close! Thank you Jonathan for everything and keep up the awesome work!

Michelle did a fantastic job! I had a complicated loan that most loan officers wouldn’t take on. Not only was Michelle willing to work with me, she was able to get my refinance completed. I would definitely do business with her again.

Joe Vitiello with Home Plus Mortgage is hands down the best mortgage adviser I’ve ever worked with. I’ve dealt with numerous large banks, credit unions, and mortgage brokers in managing my personal and investment properties. Joe is very knowledgeable and pleasant to work with. EVERY phone call or email was returned within 30 minutes. So refreshing when you compare this to dealing with large banks with tons of phone extensions and prompts. As for rates & fees– again, the best outcome possible compared to anyone out there. Give Joe a call, you will be happy you did!

I worked with Tina Le Roux from Homeplus Mortgage on my first refinance in March 2016. Let me say that this was a pleasant experience compared to other places I have been in talks with. I did lots of researching online and Homeplus was at the top of the list with positive reviews. We were able to close before the 30 days and save us some serious cash for our expanding family.
I would highly recommend Tina due to her outstanding service, knowledge, patience, and timeliness. She is very well organized and helped guide us through every step of the process. She would explain in great detail so I would never be lost. I was able to always get in touch with her when I had questions and was provided with answers unlike others who would ignore my calls. I wish I could have found Homeplus Mortgage sooner. We will definitely recommend to our family and friends and will use them again in the future.
Thank you so much Tina Le Roux!

Jonathan from HPM is awesome!
Purchasing a new home can be extremely stressful and time consuming but it becomes even more challenging when you’re working 80+ hrs a week. That being said my last home purchase was a breeze and that all thanks to Jonathan Rhodes and his team. The folks over at home mortgage plus take the time to walk you through each step in the loan process and are happy to explain everything in detail.
I’ve worked with some, let’s say less professional and courteous, brokers in the past and it was an absolute nightmare. I’ve had brokers not return my phone calls for weeks on end after collecting all of my personal information. I don’t know about other folks but it definitely makes me a bit nervous when someone with my social security and tax info suddenly fall of the face of the planet with no warning or heads up of any kind… That being said, my experience with Home Plus Mortgage was the exact opposite. Jonathan made himself available at all hours including weekends. Honestly with HPM you’re in good hands and I would happily recommend Jonathan to friends and family that are planning on buying a home.
My fiancé and I were looking for our first home together and I’m happy to say we found our dream home.

We had a good experience with Gilbert Ramos and Kim Kishi from HomePlus. We were first-​time homebuyers, and both Gilbert and Kim explained the process and guided us through from start to finish. Everything went smoothly and efficiently.

Joe Vitiello was astounding through this process. I was definitely not his easiest customer but he held the deal together throughout and gave me quick feedback on how to get everything I needed done as well as daily progress reports. Thank you Joe! I hope to work with you again in the future!

I had an awesome experience with Keith at Home Plus Mortgage. I was a lot of trouble for Keith, but he never wavered in seeing me through.
It started last Fall when I was initially buying my house in Oakland. I was having trouble with my initial lender and needed a backup option to ensure I could close on my house. I found HomePlus on Zillow, near the top of the list and with good reviews. I explained at the time to Keith that he was only a backup, and that I was morally bound to proceed with the first lender if she came through. Keith did in days what the other loan officer had taken a month to do, and offered me .5% lower; but I had to turn him down because the first lender did indeed come through. Keith was nonetheless very professional at the time.
Fast forward to a month ago. My house had appreciated and rates had dropped, so suddenly a refinance made sense. I called up Keith, who wanted to make sure I was ready to go for real this time, but then was right there for me. We refreshed the application and initiated the refinance.
There were some hiccups. My appraisal did not come in at first; Keith helped me dispute the comparables with the appraiser and get a better (fairer) valuation. The underwriter attempted to use that hiccup to break rate lock. Keith spent hours on the phone recovering my lock and even taking about another $ 2000 in closing costs off. The rate and terms he negotiated were among the best claimed on Zillow/​Bankrate at the time. Finally, between when I started talking to Keith and when the refinance closed, I got married, which I had mentioned would be an issue, but some paperwork in the application didn’t get updated. At the last minute he put together an updated packet and re-​scrambled the notary to come.
In the end we closed on time, for much less than he had originally quoted me.
At all times Keith was responsive, efficient, professional, calm, and concise. He’s answering email and phone at all hours — literally all hours. I will say at times I felt he was too busy to talk — but frankly I was a pain in the ass for him, he had every reason to see me as a time waste towards the end, and all that matters is that in the end he addressed every problem I had and got me one of the best deals in the industry.
I would give six stars if I could.
Especially recommend if:
-) You’re okay doing almost everything over email and secure file exchange.
-) You’re interested in the best rate and costs, and don’t need as much hand-​holding in exchange for them.

I’m so stunned by HomePlus’ response to my review and surprised they would post such a comment. There are quite a number of inaccuracies mentioned (i.e. I’m on maternity leave, no rate lock document was ever provided), but the most important one is a true reflection of Gilbert’s very poor customer service– after we requested to withdraw our application, he never asked us for a reason or gave us a call. He simply replied to our email confirming that he had done as we’d requested.
READ THIS: It was only AFTER I had posted my review on Unilocal that he called me 8 times the same evening (within a 30-​minute span) and 5 more times the next morning, which we found unprofessional (and a tad frightening). After declining the calls, he wrote an email noting that the review would hurt his business and offered us $ 450 to cover our new lender’s appraisal fee, which we declined. We’ll leave it to you to judge the situation.
I’m appalled he claims I didn’t disclose that I was on maternity leave; I mentioned this to him during our first phone conversation (we even talked about our kids), and he said this shouldn’t be a problem. Gilbert never informed me that we would have to wait until I returned to work to refinance our mortgage. It took HomePlus 4 WEEKS to tell me that the lender would accept our application as long as I could provide documentation from my employer that I would return to work under the same terms, yet our current direct lender notified us of this requirement the same day we submitted our application with them (the advantage of working with a direct lender versus a mortgage broker– no middle man).
Second, Gilbert never locked our rate; his statement below quite baffles me. We never received documentation nor an email that locked our rate, even after my husband was added to the loan. Our current loan officer sent us official documentation and a loan estimate within 48 hours, so I advise that you work with your loan officer to secure this early on in the process.
Lastly, I was never «unhappy» that my application was denied due to a high debt-​to-​income ratio. I informed Gilbert from the start that we’d be happy to add my husband to the loan app, if necessary. It took him 1 WEEK to advise us to do so.
HomePlus clearly has wonderful loan officers who have helped scores of happy clients. We just happen to work with one who didn’t provide the same standards of service.

Recent refinance with HomePlus mortgage went very smoothly even though we had some quirks that made ours a more complicated mortgage to finance. Gilbert Ramos was very knowledgable and open about the process and got everything going quickly as soon as I got all my paperwork scanned and sent in online. Super easy process working with a local San Diego lender.

Gilbert Ramos called right away when I inquired about mortgage loan information on Zillow. He help to find a mortgage for me that would work under very restrictive conditions. Hopefully, I will soon be receiving the final funds from the loan closing.

Gilbert Ramos was a pleasure to work with. As a first time home buyer, his knowledge and experience helped answer my questions and concerns that I had. He was also very responsive and got me a fantastic rate. I wholeheartedly recommend working with HomePlus and specifically with Gilbert.

Jeff Ludlow is the broker to work with here. I have used Jeff’s services in the past and have continued to work with him on home finance needs because of his excellent communication, industry knowledge and follow through. Jeff not only works with you to get the best deal possible, (lowest cost, best rate and best timing), he will follow up to ensure you know ongoing options as rates and market conditions change. I don’t consider mortgage finance to be a once and done financial transaction and Jeff knows that as well. Jeff will follow up to make sure this clients know of opportunities to take advantage of changes in market.
Jeff has saved me a significant amount of money over the years and has proven to be a valuable resource and trusted advisor.

Michelle was on top of helping us secure a mortgage for our home refinance. We had specific financial goals and she was on top of ensuring we met these goals. She answered our questions with less than 24 hour turn-​around. This was our first refinance, so she helped to answer a lot of complicated questions regarding home appraisal, closing costs, settling on an interest rate, etc.
I’m happy that I chose this company and I won’t hesitate to choose them again!

We were new home buyers and worked with Leah Green from Home Plus Mortgage — she did a spectacular job! When we were looking to find a mortgage broker in San Diego, we talked to multiple different companies in the area. Most of them gave limited information followed by «Yeah, we’ll beat any rate out there… blah blah». Not so with Leah — she gave honest answers, clearly knew the market well, and helped guide us through the process (not just on the loan process — she had many further insights too!).
Once things got really heated with the lender (US Bank) and they completely failed to deliver on their promises, Leah kept pushing hard and really helped us drive this one home. Without her help, knowledge, and perseverance, I am sure our deal would have fallen through because of the incompetence displayed by US Bank.
Finally, everybody involved in our purchase — including our Real Estate Agent — found Leah and Home Plus Mortgage a pleasure to work with, always promptly answering questions, emails, and phone calls. I highly recommend Home Plus Mortgage and would not hesitate to work with them again when we’re back out on the market.

I thought I found the right mortgage company because I was searching the best deal to refinance my home so I got a cuote online from homeplus mortgage and try to go trough the proses with Mr. Gilbert Ramos who was the assigned agent from homeplus, but what a surprise… once he made me few cuestions about the loan he decided not to do it because he said my loan was too small and was not even worth to waste his time and making no money from me!!! Can you believe that… The closing cost would be about three thousands dollars and he just turned down the business because he wants to make big money!!! …I am a business man also and I dont turn down any business for that kind of reason… too sad from that type of people… I wish i could rate 5 stars but how???

Joe Vitiello was my representative at Home Plus Mortgage and he did wonderful job. He kept me informed. He was knowledgeable about the whole refi process and my loan went off without a hitch. I would and will recommend him to anyone looking to refi their home.

I’ve gotten a few mortgages and refinanced a couple of times, it’s a headache and somewhat still confusing. I did think I knew a lot about mortgages, Jonathan at Home Plus Mortgage knew a great deal more about the process and all the logistics.
Jonathan explained all the fees and process very clearly, and had no problem repeating the explanation. He does go out of his way to make you understand the loan, just be honest with him, because it was okay for me to tell him I didn’t understand…
I would him for future mortgages.