"Yzidro is top notch when it comes to honesty, thoroughness, and competitive pricing. I have now referred over 20 deals to Yzidro, and he has never failed to get it closed. I have strict standards with the lenders that I refer, because once escrow is open, money is on the line.
The number one issue in lending is a thorough pre-approval process, which 90% of lenders fail to research items that may not show up in a credit report , or look closely at the tax returns until we are already into escrow, because most are just flat out lazy. Yzidro always makes sure we are prepared to possible issues so we can confront them ahead of time, and know our obstacles. Specifically, we had one buyer that was recently out of a short sale, which didn't show on the buyers credit report. Yzidro's interview up front quickly found the issue, which would have certainly come up in escrow once title does their research, and broken the whole deal. Instead, we simply set our close of escrow based on the proper timelines, simply a few more months, and got the buyer in the very day he qualified again.
As far as his honesty, I have also seen buyers at the borderline of qualification, who against advice, opened credit lines that would have changed the approved status to denied, as their debt was now too high. In one of these instances, Yzidro stepped up and put 100% of his profit into the deal to help the buyer from becoming homeless. He did it without asking, and completely willingly on his part, even though the buyer made the mistake. There have also been numerous times where rates had gotten better, and he could have taken advantage to line his pocket, yet he passed the improved rates on to the buyer.
There are many other deals that I could recount where another lender failed to perform, and Yzidro stepped in, or where his honesty was proven countless times but that review would take too much to fill here.
Bottom line, you have to trust your lender, and he has to be able to close. Yzidro will do that for you, all while beating most other banks rates. He will explain thoroughly how to compare rates, so you know what you are looking at, and explain the process. I highly recommend him to anyone looking to buy or refinance."