Nothing but great things to say! As soon as I spoke with Robert on the phone, I knew this was the company I wanted to work with on my re-fi. Not only is his team (Cristie and Zach) very professional, knowledgeable ,as well as very informative, patient and attentive to all of my calls, questions, and needs. Definitely will be working with them in the future! Highly recommend you will not be disappointed.

- Stephanie Z.
Redwood City, CA | June 12, 2017

This is my 3rd refinance with Robert. First time was to lower my rate and payment. Second time was to lower it some more. I was at about $500 less per month than originally financed. This last time we cashed out some equity and got into a conventional and erased PMI. Robert, Cristie and Adam are awesome. Period. They are master's of their craft for sure!

- Steve W.
Fresno, CA | August 09, 2017

Hands down without preamble, Cornerstone Mortgage gets it done. While others brag service job#1 cornerstone authored the book. If there's one take away that separates them from this crowded space you can actually communicate with the whole team at any level. Plain English, no double talk. If you're tired of feeling like that squirrel in the wheel house, call Robert Copeland. State your business, discuss the business outcomes and be honest about your goals and expect the best service in the business. Highly recommended!

- Amado R.
Newark, CA | September 01, 2016

Robert Copeland and his crew are extremely professional! Ive got several loans through this company and have never been let down. Great work!! Always answers my questions and believe my I ask alot of questions!! Very knowledgeable of the current finances and whats available. They will work with you to make sure you get the best outcome and make sure you understand whats going on with your loan. Never any doubt im in good hands when working with this company!!!

- Mathew M.
Riverbank, CA | April 13, 2017

I have done business with Robert and his team twice in the last year they have been great! They are very knowledgeable and I have trusted them with one of the most important assets in my life ...my home and they came though! I'm sure we will do business again in the future and I look forward to it...Thanks Cornerstone Mortgage.

- Gina H.
Fresno, CA | October 29, 2016

I cant say enough good things about Robert and Christy and Zach at Cornerstone Mortgage! They are the best. They make the refinancing process pretty much painless ! They are kind, knowledgeable and professional ! Robert.... you rock !! Thank you so much !

- Bill & Brenda S.
Modesto, CA | April 18, 2017

Robert Copeland and staff are the premier lenders in the Modesto California area.

- Joel M.
Modesto, CA | September 16, 2017

I could not be more happy with the service that we received from Jose. Overall, the process was very quick and Jose was with us every step of the way. We were purchasing our first home and we had a million questions (literally). Jose answered all of our questions and calmed our nerves through the stressful moments. I will definitely be recommending Jose to anyone I know that is buying a home. Jose is a true professional and I am glad we read the yelp reviews before giving him a call. You will not be disappointed if you give Jose a call.

- Luis N.
Oakdale, CA | April 05, 2017

Dennis Ulrich was wonderful! He kept in touch regularly and was on top of all the information and dates, etc... We will highly recommend him to our friends. Thank you Dennis!

- Arrigotti Family
Turlock, CA | June 01, 2017

Dennis Ulrich helped us understand the loan process in a very caring way. He had a job to do, but we always felt he had our best interests at heart as well. I would (and have) recommend him, and therefore loanDepot, to anyone needing a home loan.

- Kuffel Family
Turlock, CA | May 13, 2017

Mr. Ulrich was very very good. Our local realtors also commented on how efficient and organized he was. We closed early, which according to our realtor "never" happens locally. Many thanks to Dennis and loanDepot for making it happen for us. We are very satisfied with our experience.

- Summersett Family
Turlock, CA | August 01, 2017

We really appreciated Dennis and his professionalize with our first loan years ago. This led us to acquire his services on more than one occasion thereafter. I highly recommend Dennis Ulrich to anyone that is looking for a hard working, trustworthy lender.

- Dennis
Ulrich, CA | March 25, 2019

Updated review June 2020: Four years later, Brad is still looking out for his clients! As soon as I qualified for the VA IRRRL, I got an email from Brad and quickly gave him a call. He has a team that helped me get all my paperwork processed in a timely manner and again, Brad took the time to explain everything to me. About a month and a half after receiving the email, my refi was closed. There's no doubt that I will go to Brad for my future home purchasing or refinancing needs! Original review June 2016: Brad was my loan specialist and he was amazing from the start! I'm a first time homebuyer and Brad ensured that I was comfortable with everything throughout the entire process. He took the time to explain things to me and also kept me updated in a timely manner. If I was unsure about something, he would not hesitate to give me sound advice or recommendations with my best interest in mind. If I had a question about something, Brad always provided an answer or took the time to explain it to me.

- Raynell A.
Mililani, HI | August 17, 2020

Just wanted to take the time to give a huge thanks to Brad Vilgos and his team for coming through yet again on another big win! Not only did they initially secure my personal milestone of becoming a homeowner but even after a year he helped me save money going forward. Brad took the liberty of explaining the great opportunity to refinance my home while the rates were perfect. Within hours he and his team were able to lock in our fixed rate and within days coordinate to sign my new loan from out of state saving me hundreds every month! Thanks for everything you’ve done and continue to do!

- Devin B.
Waipahu, HI | August 03, 2020

I was so lucky to find Brad at Hawaii VA Loans! I am a single service connected veteran and very unhappy and uneasy with with another loan officer. Prior to any commitment I shopped around and gave hawaii va loans a call and Brad answered my inquiry. Within 5 minutes I knew He was my go to expert for my VA loan. I spoke on the phone that night, by the next day I was in his office and everything could not have worked out more perfect!! He exudes confidence which is backed up by his vast knowledge and ability to deliver exactly what he promises. There are no hidden fees, everything is explained in detail so that you understand everything completely. The relief that he took off my shoulders was so incredible and I felt taken care of by a veteran that treated me right. I can not give a higher recommendation than Brad. His team were outstanding as well and got things in and done with such quickness and accuracy. I feel I have made a longtime friend! You will not regret calling him!!!

- Renee B.
Kapolei, HI | August 12, 2020

Updated review June 2020: Four years later, Brad is still looking out for his clients! As soon as I qualified for the VA IRRRL, I got an email from Brad and quickly gave him a call. He has a team that helped me get all my paperwork processed in a timely manner and again, Brad took the time to explain everything to me. About a month and a half after receiving the email, my refi was closed. There's no doubt that I will go to Brad for my future home purchasing or refinancing needs! Original review June 2016: Brad was my loan specialist and he was amazing from the start! I'm a first time home-buyer and Brad ensured that I was comfortable with everything throughout the entire process. He took the time to explain things to me and also kept me updated in a timely manner. If I was unsure about something, he would not hesitate to give me sound advice or recommendations with my best interest in mind. If I had a question about something, Brad always provided a correct answer or took the time to get the right answer for me. He is completely trustworthy, reliable, and diligent. I am extremely satisfied with the results and process of my first home purchase experience. I would recommend Brad to anyone interested in financing in Hawaii using their VA Loans!

- Raynell A.
Mililani, HI | June 30, 2016