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We work very hard for our customers because nothing pleases us more than helping our clients achieve the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

Read what others have said about working with us:


Just had a great experience with Rochelle Ibarra - she really took the time to explain things and educate me while buying our first home. She was super responsive, a pleasure to work with and I would recommend her any time!
Austin F.
Palos Verdes Peninsula, California

Jud Whyte is the guy to go to if you need a home loan! He was helpful in explaining the loan process and went to bat for my husband and I, getting us a good deal on our first home loan. I'm using him again when I buy another home in the future.
Tracy E.
La Crescenta-Montrose, California

My husband and I just bought our first home together, and the loan process was easy thanks to my mortgage broker Rob Cohn. He helped us with all of our first time homeowner questions and went out of his way to improve my husband's credit to get us an even better rate. He was always on top of things during the escrow process, and thanks to his hard work we were able to close on time before 4th of July so we could move in during the long weekend! My experience with Rob was a huge contrast to my friend who bought a house at the same time and didn't use a broker- she closed escrow 15 days late and had to spend every day on the phone with 10 different people - whereas we closed on time and the only person I ever had to deal with was Rob, who was always helpful. I highly recommend using him if you are going to buy a home!
E. A.
Los Angeles, California

Ceryl Boldig
Irvine, California

ever so much for taking the time, investing your time so we may do and be our best. partnering with you is the best experience. we’re so fortunate to have you in our midst, on our team.
~ R. T.
Beverly Hills, California

Simon Atik-I have to commend you on a great job! Your communication and follow-through was just exemplary and something I am not used to. It was a joy to work with you...
Coldwell Banker Agent, 30-year tenure
Beverly Hills, California

Bruce Nagle
Studio City, California

Steve Kenivort
Santa Monica, California

Jeremy Altervain
Santa Monica, California

Maddox Rees
Montecito, California

“Need money for a loan? Need to buy a house? Do you know what you are doing? Is it all new to you? Or do want to find someone better than your last loan broker? Because look no further…….. Brandon Richman is your man! I was a first time home buyer. Instead of someone telling me how much money I would get and what my rates were, Brandon LISTENED to what I wanted to do……. I told him the house I wanted to buy, what I wanted to put down and what I wanted to keep in cash reserves……. and Brandon made it happen ��– at an incredibly low interest rate. And he explained every step of the way…….. And I KNOW he got me a good deal because I compared it to my friends’ deals and he ROCKED IT. Stop your search now. Give him a call.”
~ Mike Esola
WME Agent, California

“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!!.
~ Jonathan Rudner
Dentist, California

“We just closed escrow, and Brandon from CS Financial was nothing but helpful. He is very responsive, organized, and informed. I had tons of questions, and he was constantly happy to answer them, patient, and pleasant to work with. There were some potential obstacles that had us nervous in securing a loan, and he was very honest and proactive in getting everything handled as best he could. I would definitely send someone his way.”
~ Adam Hirsch
Deloitt Consulting LLP, California

“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.”
~ Evan Stade
Google Sr. Software Engineer, California

“Brandon recently handled my refinance and I am more than happy with the work that he did for me. Brandon handled everything in a very professional and courteous manner, and helped move what can be a very tedious process along quickly and effectively. I will recommend Brandon to everyone I know who’s looking to refinance – as I trust the work he does and know that he’ll take great care of his clients.”
~ Bob Guiney
Actor, California

“Brandon, in this very difficult lending environment, you did a great job in closing a loan for my client. Thank you”
~ Bobby Syed
Coldwell Banker Previews, California

“Brandon was a perfect choice for a mortgage broker for a busy professional. He is diligent, hard working and knowledgeable and did a great job obtaining my personal loan. I highly recommend his services.”
~ Ginger Glass
Coldwell Banker Previews, California

“Brandon Richman, a mortgage broker at CS Financial, handled the loan for the condo my wife and I bought in Hollywood in June 2009. If you recall, this was an era when getting a loan was exceedingly tough because of the mortgage meltdown. This was the first home purchase my wife and I had ever done (we weren’t married at the time, but were engaged) and we were quite nervous. We were intimidated by the process and concerned that we would lose out on our dream home — a cool courtyard-facing unit in a small, historic Hollywood building. Brandon was the consummate professional, explaining the process to us so that we understood what were getting ourselves into. We locked in a great rate — something like 4.75 percent with no points — and closed the deal with Met Life on a very short timetable. Even when the lender requested extra documentation late in the process (if I recall, just a day or two before the deal was supposed to fund), Brandon kept a level head and put us at ease. It was important to close the deal then and not start over, because had we lost our locked-in rate, we may not have been able to afford the monthly payments at the new rates, which had just adjusted up. We closed the deal with a few days to spare — the whole process took a little more than a month, which I understand to be a very compressed schedule. All in all, without Brandon and CS Financial, I am not sure we’d be living in the home we now love. I am a customer for life.”
~ Daniel Miller
LA TiMES, California

“We’ve done business with Brandon twice over the past year. In that time, we’ve come to rely on his expertise. Based on our experiences, I heartily recommend Brandon and CS Financial.”
~ Carey Heyman & Monica Tran Heyman
NSBN Certified Public Accountants, California

“I was the listing agent representing an owner/seller in a recent residential property sale and Brandon Richman was the mortgage lender’s representative for the Buyers. Because I personally know and like both Brandon, I was confident that he had the ability, work ethic, and resources to do his job. I trust and respect him and know that he would be accountable. This gave both my clients and myself peace of mind and reassurance that the buyers were being properly served and would be able to close the sale!”
~ James Hancock
Coldwell Banker Previews, California

“Brandon Richman devoted nearly two years helping me with one particular client who bought a beautiful place in WeHo, and I am happy to report with Brandon’s hard work we made the deal. Even after hitting an appraisal snag which can mean deal killer, Brandon spearheaded an appeal while simultaneously securing a second appraisal and getting the loan. We closed virtually on time and most importantly everyone is happy. All thumbs up (I have three).”
~ Jeffrey Sachs
Coldwell Banker Previews, California

“As a realtor I have used Brandon Richman to assist my clients in getting loans for their purchases. He has always been outstanding, persistent and was able to get my clients the best loan rates for their purchases.”
~ Brenda Catalano
Coldwell Banker Previews, California

Victoria is the consummate professional. I was in a position to purchase quickly and she was up to the challenge. She listened to my needs, narrowed down my needs. She made the closing process a breeze. Victoria acts with a high degree of integrity, professionalism and clearly puts her client’s needs first while offering expert opinions through the process. I would highly recommend Victoria for anyone’s Broker needs
~ Chad Moss, Vice President - Global Infrastructure & Operations at IHS
Carlsbad, California

If you're looking for a real professional, then look no further than Victoria. She is thorough, professional, incredibly knowledgeable and knows the market better than anyone. These are tough times and if you're looking to buy you need to know that you can trust your mortgage partner and that's why I would highly recommend Victoria.
~ Gregg Moss, Anchor/Reporter 9NEWS NBC - Business Editor Newsradio 850KOA
Carlsbad, California

Victoria is reliable and trustworthy.. Her knowledge of the field is valuable for me to make decision to purchase my home, timely reply and cutting edge technology she used allowed me to sign document at office, save a lot time and travel. Definitely recommend.
~ Yiyi Zheng, International Buyer for Bestop
Carlsbad, California

Victoria has been a breath of fresh air to the mortgage department at Coldwell Banker in Carlsbad. She is both motivated and has an advanced knowledge of the Real estate and lending fields. She is great with the technical details, and I highly recommend her for clients who are concerned with the finer details in any transaction
~ Trevor Johnson, Real Estate Agent at Coldwell Banker Carlsbad
Carlsbad, California

Victoria has been our family's trusted mortgage advisor through two separate refinancing efforts over the years. We valued and benefited from her expert knowledge and highly ethical approach. Victoria is a pleasure to work with and we wholeheartedly recommend her.
~ Marc Diemer, Associate Principal, DHM Design
Carlsbad, California

I have worked with Victoria many times during the last 10 years. She delivers on all categories you could ask. Even when she moved out of state, I found her and she continued to provide that high level of service
~ Troy Vallier, Experienced Financial Executive
Carlsbad, California

Tommy, I just want to Thank you so much for all you have done for me before, during and after this process. Without you I know it would not have gone so smoothly. Thanks for being so efficient and detailed and just on top of everything. I feel so blessed knowing you.
La Mesa, California

Thank you Tommy, been busy moving in the last few days. It was a pleasure working with you, you are a total professional that knows the loan business. You made this experience for me a delightful one, I never had any headaches because you explained every detail to me. Thank you for everything..if you ever need a reference please use my name.
La Mesa, California

Scott Bradley
Santa Barbara, California