CS Financial

Terrible Terrible Terrible. Been a realtor for over 27 years and have never dealt with such an incompetent bunch of unprofessionals. STAY AWAY from CS Financial AKA BANC HOME LOANS. From the manager (Mario Enriquez) to the receptionist. I had to pull out my clients loan from this institution and I’m so glad I had double appd with another lender otherwise my client would have lost their property. Unfortunately my clients had chosen this mortgage company. I have worked with dozens of lenders, Direct lenders and mortgage companies and this is by far the worst. If I could give a Minus rating I WOULD HAVE.

We loved working with the team at CS Financial. We worked with them on our home purchase and our re-​fi. Scott Sealy is the best!

I was referred to Scott after the mortgage broker I was working with at Wells Fargo turned out to be a complete nightmare– didn’t return calls, gave false information, almost caused us to lose a house– and we switched to Scott and he instantly made our incredibly!!! difficult probate case seem (almost) easy! He works tirelessly (seriously, you don’t need to return multiple emails on your vacation!) — he’s like the energizer bunny when it comes to dedication and enthusiasm, responds quickly, and explained my 10 000 questions clearly and in layman’s terms. He showed me several options for us, and always explained the pros and cons of each. He dealt with the seller’s (practically) incompetent title and escrow companies with professionalism, but got them to get it together so that the entire thing wouldn’t completely fall apart after 6 long months of working on it. And it worked! Thank you Scott! Home-​saver! We can’t wait to move in…

We worked with Scott Sealey and he was fantastic. He helped us get a home loan at a great rate and even guided us through removing a credit snafu so we could secure the best rate. Scott will go above and beyond to help you out.

Scott Sealey is really great to work with. He is SUPER responsive, and always kept me up-​to-​date (even on Saturday afternoons). I felt like his advise was solid on a new loan, and he locked me in at the best time possible. After 6 months, the rates were ½ lower, and he was able to get me a re-​fi at almost no cost (all closing costs waived!).
Super great service! Can’t really beat it. Very upbeat, friendly, and helpful.
I’m sure you can shop around for lower rates, but with hidden fees and horror stories I’ve heard about from family and friends being jerked around, CS is a good bet.
Very happy with my results (and that is pretty rare to say about your loan experience!)

It has taken me far too long to write this stellar review of CS Financial – but specifically, Scott Sealey. I truly cannot say enough good things about Scott, and would recommend him without reservation. This man goes above and beyond, consistently, and worked absolute miracles for us.
We initially were working with a mortgage broker who was great, but sadly unable to get us a loan due to some litigation going on with the property we were purchasing. He referred us to Scott, and Scott took the ball and ran with it. At that point, we were literally 2 weeks from closing… we knew (and even Scott said) there was no way we could close on time. He promised to do the best he could and we were looking at hopefully only a small delay (1 week), pushing as much as possible. Well you know what? We closed ON TIME. How Scott did this is still beyond me, so I can’t tell you to expect the same if you’re in our shoes. I also know we were very responsive in giving him what he needed, but truly I think all the credit goes to Scott himself. He made this happen for us and we could not be more grateful. Not only did CS Financial give us a loan we weren’t sure we could get, Scott made it happen in record time.
I could go on and on about Scott and how amazing I find him, but words can’t do justice to how amazing he is. The best thing I can say is you should shoot him an email or call CS Financial and talk to him for 2 minutes. You’ll see exactly what I mean! Five stars is not enough to describe what Scott did for us. I will leave you with a few key points to consider.
1– Accessibility. Scott literally was available any time we needed him. He had a very quick response time via email (or phone!), and no question was too small. He even replied to us when out of state on vacation! He thoroughly explained every part of the process, answered every single question, and did so with enthusiasm and passion for his work. You just do not find people like this. He does his job, goes above and beyond, and is excellent at what he does.
2– Friendliness. Truly, there are not many negatives to escrow closing. It’s a great high, and feels incredible. The downside? No more daily emails with Scott. He made my day with his emails I don’t know how many times. Even when I was freaking out (it was our first home and we had a few bumps in the road, to say the least), he was able to calm me down by explaining the process, options, and likely outcome.
3– Straight up GOOD AT HIS JOB. I know I’ve mentioned this before, but it always feels to me like I end up doing other people’s jobs better than they do. This was the polar opposite for Scott. He immediately earned our trust with his open communication and clear knowledge about mortgage processes. He took care of every single thing, told us exactly what he needed, and I never felt the need to second guess or do it myself (which is very rare for me).
4– Nothing sketchy. I have heard absolute horror stories from friends about getting ripped off, hidden fees, etc etc. We honestly had NONE of this. Our estimate was exactly what the actual cost was and there was no funny business what-​so-​ever.
I can’t thank Scott enough for making this happen, in that crazy tight timeline, to get us in our dream house. No review could be glowing enough, but hopefully this is a good start. Thank you Scott!!!

Scott Sealey with CS Financial is AWSOME!!. He gest the job done and goes beyond what one might expect. Scott has done several deals for us and I would not consider using anyone else. Great communicator, with great follow through. He is definitely the one to use if you need a job done on time and efficiently.

Stay away! We actually had to switch in the middle of Escrow! Thank God we are experienced home buyers! Patrick McKenna is extremely unprofessional and has minimal to no knowledge ! In our case we almost lost the house because of him and this was a multi million dollar property that he was gonna make a ton of money on!!! In my opinion Patrick McKenna may be an ok teller in a bank one day but mortgage broker?!! Ha ha! May be there are other more capable people at CS financial but Patrick McKenna is not it!

I have been in escrow for about 12 years and I work with a lot of lenders on a lot of deals. I am always happy to see Scott Sealey’s name on any deal that I have as he just flat out makes it happen. Every deal that I have with him is always ahead of the curve and he makes the loan process smooth and efficient for everyone involved. I know the borrowers we have worked with share the same feeling. Thanks for making my job easier and for being such a true professional.

I love working with Scott Sealey with CS Financial. I was introduced to him as another agent was using him on one of my deals. I was so impressed with his high touch service and communication, I decided to use him on another deal and then another deal. I really could not be more impressed with his skill level and I am very impressed with the speed that CS Financial is approving loans for me. Their rates are excellent and Scott has overcome some big obstacles in the deals that other lenders could not get passed. On the last two deals, his average start to approval time was 10 days! Way to go Scott Sealey and CS Financial!!! I am looking forward to using you on more files.
PS. My assistant, the other agent and my escrow office have the same opinion of Scott and CS Financial. We all love him!

Scott Sealey is the Undisputed Heavyweight Champion of the mortgage world. As first time home buyers, our experience with him was nothing short of spectacular. Every single one of our 3,487 questions answered with ease, and my god if he wasn’t always MORE than happy to help. Heck, I want to start the re-​fi process already just so I can continue working with him… He’s that good.

Scott Sealey at CS Financial is a mortgage superstar. He took us through the entire process, soup to nuts, in just a spectacular fashion. This was our first home, and of course we were like deer in headlights. We had so many basic questions, and Scott fielded them all.
He was also able to quickly narrow down the best financing options, and get us the best rate on our mortgage — I ended up calling a bunch of banks early in the process to see if I can get a better rate, but it was all a waste of time. They didn’t even come close to what Scott had been able to find.
Scott is also available at really odd hours — he answered emails at 11PM. I’m not sure he ever sleeps.
He’s incredibly knowledgeable and incredibly calm and optimistic, which is exactly what’s required in the 1-​month+ process of buying a home. There were multiple times that we were just bugging out, and Scott walked us off the ledge like a pro. He also has incredible relationships with the underwriters, so we were able to sign our loan docs on a Wednesday, and have our loan funded the next day.
Overall, without Scott, we’d probably never end up getting our home because of the heart attacks that would have killed us without Scott diffusing various stressful situations and keeping us on an even keel.

I have used Scott Sealey on multiple transactions and have always found him to be excellent. He truly goes above and beyond to get the job done. I have always been able to reach him — even early in the morning, evenings and on weekends. He is extremely dedicated to his job and making his clients happy. Scott is very professional and has a wonderful way of putting people at ease during the loan process. Scott makes you feel like you are his number one client. I always highly recommend Scott to my friends and family for their mortgage needs. As a matter of fact — many of them have used him not just once — but several times for new purchases or refinances.

We are amazed at the number of negative Unilocal reviews… there is one person to call at CS Financial… Scott Sealey! He is a PLEASURE to deal with, on every level. He got our loan at lightning speed and with the minimum of effort on our part… he is constantly available… send him an email and he returns it immediately. No question is too minor. No request too hard. He is just a lovely guy who supported us in the process from start to finish. A true professional. Thank you, Scott!

How many times does one financial broker need to run a personal credit report? Magic number 3 in 2 days, yet they can’t return a call or e-​mail.
I’d look elsewhere, try Chase, they call back, and send documents to you in a timely manner, go Chase!

Scott Sealey is amazing! Loved working with him. He made us feel like we were his only client!

Clearly not a company I would refer

I can’t speak about anyone else who works here as we only used Jay Bridges but our experience was not good.
In all fairness I don’t blame him for not getting us a refi as we were a pretty tough case, but his «bedside manner» if you will (during the YEAR we dealt with him) was poor.
Briefly, It was incredibly difficult to reach him — many calls went completely unanswered, or would be returned with a text. Texts? From my mortgage banker? I think that is weird.
I often had to beg him to call us back when we needed timely info from him or to get info somewhere quickly. Files got buried and forgotten about, I got texts citing «personal issues» as to why he was not available during work hours. He promised to BCC us on status updates then would fail to and when we asked about it would blame our situation and not address his lack of communication.
He assured us over and over that he could get our refi as the months dragged on and then when we were turned down by the last bank he paired us up with, it was radio silence — no notification from him. I only found out because I got a letter from the loan company, then he emailed a 2 sentence note about a week afterward letting us know we could reprocess when our circumstances changed. That was it. Class.
Dealing with home loans is incredibly stressful, especially if you aren’t a slam dunk case. Now we are in a better position to get a refi, I’ll be looking for someone who is available, professional, and has good communication skills. I won’t be back to Jay at CS Financial.

Brandon Richman at CS Financial just saved me so much money!!!
We have been trying to refinance our home for 3 years. After countless financial institutions had turned us down I was referred to Brandon. Our financials are very complicated and frustrating for others. But Brandon stayed on course and with his hard work and many hours dedicated to our cause we finally got approved to refinance our home!
Thank you Brandon for saving us a ton of money!

I recently bought my first house, and needed a lot of help and guidance in the process. Brandon Richman and the CS financial team made it easy and quick (well, as quick as these things can be). Towards the end of escrow there was a brief scramble to make sure it closed on time (through no fault of CS Financial), and they were extremely accommodating and helpful to me in achieving the goal, and we did close on time!
Fast forward 11 months, and Brandon is now helping me go through a no-​cost refinance which will allow me to drop my rate substantially. He initiated the process of his own volition and once again has made it very easy for me to save money. I am glad to have Brandon on my team.