Testimonials

 

What people say about Michele’s Loan Services?

So easy and very very efficient!

 

It was a real pleasure working with Michele and her great team. They were on their game at all times. I will definitely use them at my next property.

- halloweenlr from Huntington Beach, CA

A lender who exceeds every expectation possible

 

The home buying process is crazy, stressful, and overwhelming. Michele and her team at ARBOR have not only made this process managable, but dare I saw enjoyable?! With prompt responses and a personal feel that can’t be matched I would love to recommend her to anyone who is looking at purchasing their home. I can not thank her enough for making our dream home a reality!

- kaitlens from Borrego Springs, CA

1st Home Loan & Refinance Success! Could have not done it without Michele and the ARBOR team!

 

What is there to say more about Michele other than she is an exceptional loan officer and an amazing person. She truly is there for her clients and will drop everything to side to make sure that they are her number 1 priority. We have already gone through a home loan on our first place with Michele and a refinance. Each time she made the process smooth and seamless, giving us all the tools for the loan to succeed. Most importantly she wanted to make sure we were happy and that we could get the home that we dreamed of. If you are thinking of working with Michele and ARBOR, please do so as you will not be disappointed. You will get the best deal out there and you will end up in the home that you always dreamt yourself in. Thank you again Michele and the ARBOR team for everything!

- user60915993 from San Francisco, CA

The Best Loan Broker!!

 

Michele Town and her team are by far the best loan broker I have ever worked with. I have worked with quite a few loan brokers over the years, but nothing compares to Michele Town. She worked with us for over two years while we were making up our minds on where to buy and how to structure our purchase. Michele was always patience, responsive and informative. She had solid answers to tough questions and she always responded quickly.
When we finally got around to buying a home, Michele was in our corner every step of the way. She helped us with the pre-qualification process, got us our pre-qual. letter and made changes to it in a flash, walked us through the lending process, and then took care of closing the loan. She made everything easy and understandable. We were even able to close the deal a week early, thanks to the Michele Team’s hard work. I cannot recommend Michele Town highly enough. Michele and her team are the best in the business!

- Keith Davidson from Encinitas, CA

After speaking with several mortgage lenders, I decided on Michele and her team

 

This was my first purchase as a homebuyer and was going after a short sale, which presents it’s own set of problems. After speaking with several mortgage lenders, I decided on Michele and her team because she was very straight forward and that’s how I like to operate when it comes to business transactions. Michele and her team over delivered on their promises to provide me with white glove, transparent service. We had many delays and issues throughout the transaction, so I can’t thank them enough. I look forward to many more mutually prosperous opportunities with the Town team.

- zidane1980 from San Diego, CA

I was impressed with the fact that we were actually able to close our loan 4 days

 

We were referred to Michele when one of the bigger banks declined our mortgage 20 days from closing. Michele responded to me within minutes and was very honest, extremely knowledgeable & genuine. Within 36 hours she had my loan approved with her underwriter & within 5 business days from when we first spoke we had an approval letter in our hands. I was impressed with the fact that we were actually able to close our loan 4 days earlier than the bigger bank had projected! The thing I respected about Michele & why I chose to go with her, not once did she bad mouth her competition or use “fear tactics” to persuade me. I will never use another mortgage broker than Michele Towne! Thank you Michele!

- mrs. caradutton from San Juan Capistrano, CA

We’re now in our first home, our dream home, thanks to Michelle and her great team

 

Michelle and her team helped position us to make a competitive bid for our new home. They were patient as we looked and waited for the right house to appear on the market, and then moved quickly and proactively to help set us apart from other buyers in the fast-paced market. We’re now in our first home, our dream home, thanks to Michelle and her great team. Thanks, ARBOR!

- user31321573 from Santa Ana, CA

Michelle was able to do this and did not get frustrated with his changes

 

Every question was answered immediately. Michelle put up with all our questions even when they were repeated :/ My husband changed his mind a couple times about the cash out amount he wanted. Michelle was able to do this and did not get frustrated with his changes. When Michelle was not available she made sure there was someone else who knew about our loan and could answer questions so we never were kept in the dark. She came highly recommended and I can see why! Thank you!

- edbodd from Los Alamitos, CA

We did not know whether we would be able to buy a house now, but Michele worked...

 

Michele made everything happen for us. We are in our dream home and we love it. We did not know whether we would be able to buy a house now, but Michele worked with us and with our realtor, Jim Lawson, to get it done. She helped us through every phase of the loan process efficiently and professionally. From start to finish was less than a month after we made an offer. We used my husband’s VA loan entitlement. If you want a loan professional who will make it happen you should call Michele Town. She is a miracle worker.

- walker rosanna from Lakeside, CA

Everyone was so pleasant to deal with, from our initial contact with Michele, to…

 

This has been the most painless refi we have ever done! Michele and her team work together like a finely-tuned balet. They are all knowledgeable, courteous, respond to phone calls quickly, and just all-around professionals at what they do. Everyone was so pleasant to deal with, from our initial contact with Michele, to Michael Fraser, to the RE Appraiser, to the Escrow people, and even the Mobile Notary, and everyone in between — we just can’t say enough good things about everyone who participated in the whole process. Well done!

- -evieivyover from Home Gardens, CA

Hire Michele Town at ARBOR Mortgage and she’ll close on-time for the rate and…

 

Lots can go wrong in a Real Estate transaction. So why not hire someone who will make sure the financing goes as smooth-as-silk?Hire Michele Town at ARBOR Mortgage and she’ll close on-time for the rate and term she promised.You can spend all that free time she’ll save you shopping for new stuff for the new crib!

- mglamarmd from Oceanside, CA

Her calm personality made us calm throughout the process too

 

Michele made the whole process so easy. She was very thorough in explaining what happens at each step in the process. It was super easy to reply to the questions she had. Michele very professional. Her calm personality made us calm throughout the process too. I would recommend her for any loan needs.

- emarks19 from Mission Viejo, CA

She would email updates 1x a week

 

Michele took a difficult situation and closed it in 3 weeks. She is so very professional. Her response time is amazing. She would email updates 1x a week. I knew exactly what was needed when. Sure enough we closed in 21 days. I have owned 3 homes. This was the smoothest closing I ever had. Fast. Perfect and no hiccups. Thank you Michele. I will refer you to all my friends and colleagues.

- godwin60 from Irvine, CA

had a very tight window deadline I wanted to close within, I felt it would not…

 

I have purchased multiple homes in the past and also refinanced many times and my experience with Michele and her company was by far the most pleasant and efficient. I had a very tight window deadline I wanted to close within, I felt it would not happen from past experiences, but it did! I highly recommend using these guys!

- Mantella from Borrego Springs, CA

They were great , from the moment I called them about getting a loan, to the closing…

 

They were great , from the moment I called them about getting a loan, to the closing of our new home , never felt alone ,always had some one walk us through each and every step. they made sure every thing was done correctly , made sure no mistakes where made , they were friendly and great bunch of people , I could not ask for anything better , thank youwe now are moving into our new home this week , and this girl is excited.

- Redrose1967 from Lockeford, CA