Larry Martinez

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Larry Martinez did an outstanding job helping my clients secure their VA loan. From start to finish, he was fast, communicative, and completely on top of every detail. VA loans can have extra layers, but Larry made the process smooth and stress-free for everyone involved.

He kept us updated, answered questions quickly, and delivered exactly what he promised. If you’re looking for a lender who moves with urgency and truly takes care of veterans, Larry is your guy. Highly recommend!

I have done three deals with Larry and this most recent experience is why I keep coming back. From day one, he is patient, taking the time to explain every detail and answer all my questions. His tenacity in finding the best deal for me is consistently impressive—he works tirelessly to negotiate the best terms with lenders.
What stands out the most is his professionalism and dedication. He always has my best interests at heart, making sure I feel informed and confident throughout the process. I can’t recommend Larry enough for anyone looking for a knowledgeable, reliable, and truly caring mortgage broker.

Larry thank you very much for your assistance throughout the loan process. I will certainly recommend your services to anyone I know who needs a mortgage. You are responsible and are easy to get a hold of when it comes to questions. I appreciate your work and time.

- Daniel R.

Larry and Angela were amazing. They took the time to listen to my needs, considered the best options, and explained all the steps in the process along the way.

None of us knew going in that the hardest part would be navigating the bureaucracy of my HOA. But, they never gave up, never complained, and worked tirelessly until my loan was secured.

Thank you, Larry. I couldn't have done it without you.

Larry was easy and a pleasure to work with: He took great care of our clients in a complicated purchase and subsequent sale of their primary residence. His communications were prompt, spot-on and transparent. Larry delivered on his promise and closed the purchase successfully. In short: He took great care of his clients!

Larry is the best! He was responsive and very helpful throughout the entire process of getting a mortgage and helping us to close when we ran into difficulties. When we needed him to rush something, he accomodated us and was available for any questions about items or processes we were not familiar with, taking the time necessary to fully answer them. He is very knowledgeable. If we have any future mortgage needs or refinancing, Larry is our go-to guy! I can't recommend him highly enough.

Larry Martinez is an exceptional mortgage broker in every regard. I literally cannot say enough but I will try. He checks all the boxes you would expect in terms of communication skill, timeliness getting a great rate plus being easy to work with. What was exceptional is the way he consistently went above and beyond when things were ever tough or confusing. We all know that’s most often the case in the financial world and Larry was our hero on multiple occasions. He is extremely knowledgeable about the mortgage industry, but he also can think out of the box plus he has the patience of a Saint. I will never recommend anyone else.

Larry is extremely professional and thorough, and always takes care of us in a timely manner. Though we don't do a lot of checking, his rates always seem near or at rock bottom, and he always saves us money in a variety of ways. He is also very personable and easy to work with. I would recommend him to anyone.

Larry is a really terrific Lender! We recently worked together to help a couple from Marin County buy a home in San Diego and due to unforeseen circumstances the loan turned out to be more a lot more complicated that anticipated. That said Larry worked his magic and we closed and the Buyers are thrilled! Do not hesitate to work with Larry on you next home loan or refi, he is the best!

Larry is the best loan agent I've ever worked with. He kept things moving faster than I expected and got the loan closed on time. He held my hand through the whole process and made it much easier than expected. He was very friendly and professional, and made me feel at ease when I had questions or concerns. He also got me the best possible interest rate, even better than he originally quoted me. I would highly recommend working with Larry if you need any kind of loan!

We received professional and helpful service
Larry, really knew his stuff was helpful, responsive and reliable.
His team was very helpful and understanding, they helped, and patiently guided us through the entire process.

Larry went the extra mile and did great job of getting me a loan. Super friendly and patient.till we landed my loan. Definitely my go too for any future loans!!!

I had the great pleasure being referred to Larry Martinez refinancing my home loan and would highly recommend him. I am fully retired and was having trouble qualifying. Larry did not give up on me and kept a look out for any programs that may apply for my situation. He was also very patient accommodating me on any computer submissions as I have no access to one. I now have been approved and have lowered my interest rate which would greatly help me pay less per month.

That i was wonderfully helped by everyone and i am really please with so much change in such little time. I was able to fimally have my dream home.

Larry was the quintessential professional during our entire loan process. He was always quick to respond to any questions and streamlined the experience for us. He also is creative at solving problems when little hiccups appear. I would definitely recommend him to others and will use him again if the need arises.

Larry was proactive, alert and always informative. He explained the various aspects of the refi and was always clear. he answered our questions promptly (even evenings and weekends). In all he made it easy.

Larry was respectful, efficient, kind and thoughtful, initiating, creative; it was an all-round wonderful successful experience working with him!!! Thanks again, Larry!

Helpful and patient, the best mortgage broker we've worked with. Thanks again Larry!

Larry helped me with 2 refi's on my Novato home over the years. Great professional service. He's always my number 1 recommendation in mortgage brokers. Can't say enough!

Larry is the most professional and fair loan brokers in the San Francisco Bay Area.
I Did several loans and refinances
Larry is your broker,
Ernest Mier
AHH Construcción
415 509 5249

Thank you for your assistance throughout the loan process. I will certainly recommend your services to anyone I know who needs a mortgage. Thank u for all the great work you and staff did for us, working with you was fabulous and I will gladly send your way anyone I know that is in the market... — Michael D Morales

Larry worked very hard and diligently to get our refinance done.

Larry was incredible in securing my loan. He was very quick with his requests and communication with each step of the process. He made me feel confident in my first time home-buying experience and I have not hesitated to recommend him to anyone I meet or know. I will not hesitate to use him in the future.

We are so happy with Larry and his team. I am grateful for his personalized support through out the entire process. We appreciate Larry’s experience and guidance. I felt much relief. We will recommend him always.

I refinance my home with Larry 6 years ago and he found me the lowest rate available. This is my 2nd time refinancing my home and Larry did it again. Of all the quotes that I got Larry’s quote was the best. Unbeatable!! Thank You Larry!!!!:)

Larry has done all our Home loans for the past 20+ years. When refinancing made sense recently we went right to Larry to get details to see if we wanted to proceed. He provided specific detailed options listened to what our objectives were and gave us several loan options. Larry did all the leg work, inspection signing and helped at every step along the way. Having a relationship with whom ever you do business with is always helpful this goes even more so with the mortgage industry.

Larry was one of a kind...Knowledgeable, prompt, kind, and very personable to our daughter and family while buying their home. I was impressed with how much information he gave to each of us while working so closely with us. It felt more like a good friendship. It was welcome in such a stressful situation. Highly recommended in all areas!!!!

Larry was a pleasure to work with.
Professional, competent, patient.
Results matter...

Completely thorough through entire refinance, always attention towards any and all my questions, whether a minute detail or the constant questions I had about closing costs always there with an honest answer, calmness ,also catching me off guard with infectious humor in gratuitously displayed ,unincumbered pure professionalism , business made easy,thank you Larry

I found Larry off the Internet and ended up having a wonderful experience with a Great agent that was always available To answer my texts within an hour with no exceptions.
I highly recommend

Larry is an honest and caring mortgage broker who will treat you right. I've refinance with him 3 times now and he's always saved us money and made the task easy. He deserves my 5 star rating. Thank you, Larry!

Larry was very patient with us as we waited for the interest rates to hit a new low., keeping us updated on a regular basis. Once we decided the time was right, he had everything together so we could strike at that moment. All in all, Larry is a consummate professional that genuinely cares about his clients.

Larry was friendly, savvy, prompt, and professional, he went above and beyond to get us a loan and helped us save money with a refi. We have recommended him without reservation to family and friends as a trustworthy resource for financing.

I recently lost my husband. A friend that recently refinanced with California Mortgage suggested that I look into refinancing with them. Larry Martinez worked with me through the procedure to get a great rate and helped me through this trying time of my life. Larry was friendly, professional and made the process easier and convenient.

Larry made a painful process as easy as possible. We did two loans and I was a very smooth process. Two thumbs up!

Very knowledgeable and reliable

I've known Larry for over 20 years and have never used any other Mortgage Broker and I will always call on Larry to get me the best Rate.
He is great to work with, he listens and he produces. Honest as the day is long. Once I put an offer in on a House in Washington State and called Larry to help me with the Loan. In less than a week I had a secured Loan. This last December I did a Refinance with Larry and he got it done in about 3 weeks. The Refinance saved me over $700.00 in monthly payments on my house. What more can you want.

Larry's help was crucial for purchasing our new home. We were able to close on time with a great rate. Online application process was fast and easy. Larry is also friendly, professional and patient. He answered all our questions promptly via text, email and phone. We will use Larry again in the future. 10/10!

We have done many refi's with Larry and he is wonderful to work with. He has always pointed us in the right direction and has always worked hard to get us the best mortgage rates and terms possible. I can't recommend him highly enough.

Very professional service

Great loans, easy to deal with Larry, is a real professional!

Mr .Larry Martines Was a great help for my refinanc ,tank you for your hard work .

Referred Larry Martinez to my families & associates!

Totally professional; extremely reliable; will take it over the line

Excellent service from April & Larry throughout the refinance process of my home mortgage. They met
all my needs, along with finding low mortgage rates.
Highly recommended this team of experts.

Have referred Larry to several other people. Used Larry for several loans. Service is excellent, and he is extremely helpful.

Larry is great. always goes above and beyond to help

Larry, is a great Loan Officer. He’s one of the best Loan Officer for me seen day one, back in 2016, and still present. He’s will take cares of your Loans seriously, till it done. I will recommend Larry to all my friends , and co-workers....

hardest working mortgage broker I know. wouldn't take no for an answer.

Solid high quality work by Larry and staff. Refinancing completed with minimal stress and on time at a good rate. Accomplished all the objectives I set for our re-fi.

Larry has helped us to secure a mortgage for our vacation house at the time of purchase a few years ago and recently when we refinanced because of low interest rates. In both cases he got us rates we saw advertised with no strings attached. He is knowledgeable, calm and willing to go an extra mile to satisfy documentation needs of lenders. He is the best broker I worked with in many decades.

Larry closely tracked the process, and updated me in a timely manner. Because this process was new to me, he helped educate me about it all along the way. Thanks Larry!

Larry Martinez has been our “go to” mortgage broker of choice since we purchased our home 19 years ago. During that time, he has also shepherded us through a number of refinances—always finding the best possible mortgage to fit our needs and budget. We recommend him fully and without reservation.

I work with Larry on the pass and he is a great person honest professional I highly recommend him if you’re looking for a mortgage broker

Larry Martinez @ 415-308-4466 just finished doing two refinances for me. He has also done excellent, efficient work for me in the past. Give Larry a call. You'll be happy you did.
Marty

When I NEEDED TO FIND THE BEST LENDER I COULD, LARRY MARTINEZ
WAS RIGHT THERE FOR ME. .HE GOT THE LOAN FOR ME WITHOUT MAKING ME WORRY THAT I MIGHT NOT GET THE LOAN. GIVE HIM A CALL. YOU TOO WILL BE PLEASED

Larry is hands down the best mortgage broker we have worked with. His customer service exceptional. He answers the phone and texts and if he's not available you get a reply back within minutes. He always answered our questions immediately and walked us through the process patiently and with care. We recommend Larry. VERY HIGHLY.

Amazing team effort to meet my needs and get exactly the rate and teams i was hoping for. April Piehoff & Larry Martinez exceeded my expectation.
Thank you for the journey to homeownership.
Making new chapters in my life come true.

Honestly, Larry changed my whole life for the better. From the beginning, finding a lender after over a year of searching, to acquiring a Reverse Mortgage. I'm so happy today because Larry never gave up and went out of his way to make things happen. He's GOLDEN in my book. Thanks Larry !!

Larry did a great job for us. We had an atypical situation that required Larry to find some creative solutions for us. We would definitely recommend him.

Larry is a hard working and Professional individual that listens to your needs in terms of mortgages. I really appreciated his work ethics and I thank the company for hiring a individual as he .
Thank you

Having your financing in order is critical in this competitive real estate market. I got introduced to Larry through my agent at the time. The agent didn't work out for us and we had to find another one but we did keep Larry because he knows lending, is organized, pro-active and an excellent communicator. If we need refinancing or or want to buy another property, we will ask Larry to be our broker again. Thank you Larry!

Larry was extremely helpful and made a transaction that could have been difficult very easy. I highly recommend Larry.

Larry was our angel in getting us approved for our home, and seeing us through the process....
We would not have managed without him! Larry truly cares about his clients, and his experience and patience are most apprecated by us :)
THanks Larry! - Chris and Jen

I have known Larry Martinez 10 years. He has shown himself to be an honest, diligent, hard working broker. He has consistently given me pertinent information to the questions I have asked about the real estate in this area. Michael Stephens

Larry is a magician! He was able to get me a loan I didn’t think would ever happen. He guided me through the process wonderfully. He was super on top of all the options. He is amazingly creative and doesn’t take no for an option. I wouldn’t own my house without his diligence and help. I would highly recommend Larry’s abilities. Thanks Larry!!

Larry has helped my purchase two houses now. I highly recommend working with him. He knows the ins and outs of mortgage broking and was able get me a good loan when it looked very unlikely to be approved. He is warm, friendly and was a pleasure to work with. I wouldn't have the real-estate portfolio I have now without him. Thank you Larry!!

I have used Larry since 2004 for all my and my families real estate loan needs. He has always treated my with the utmost respect....and gotten me the very best possible rate.. He is honest to a point that is not expected in the mortgage world.. I will not use anyone else

Larry is amazing! Without his help and support I would not be where I am today!

Thank you for all your help and support over the last 20 years......

Larry will always be my first choice when it comes to a mortgage...

Great service from Larry! He worked hard to get us approved for a loan and secure it all in time to move forward with purchasing our house. We even had some out of the ordinary situations that he was able to navigate quickly and smoothly. We are very happy with the service he provided and we will definitely use him again.

Larry Martinez is a magician. Fantastic service. Thorough. Strategic. Resourceful. Truly outstanding. I can't recommend him more highly. I would never use another broker.

Great experience working with Larry, we never bought a home before and we had no clue about the subject, Larry served us well

Larry made buying my home a pleasure. I would highly recommend him.
Thanks Damien Pemberton

I have refinance with Larry twice, and he did a great job both times. His attention to detail and friendly demeanor made him a pleasure to work with. I would highly recommend Larry to finance or refinance your home loan.

Larry’s worked for us as a mortgage broker and realtor. He can be counted on to close your deal on time when you need it and always with a competitive rate!

Larry Martinez is professional and very easy to work with. I have worked with Larry for many years and wouldn't go anywhere else. When I needed a last minute purchase loan Larry got me the loan. Everything Larry has done for me has been top notch. He is more than a Loan Officer he is a friend. Larry has valuable resources and he never lacks and shares all to get me a great deal as he will for all loans and all his clients. When it comes to money you want Larry Martinez on your side. Ute K

I’ve worked with Larry for several years now. He always goes above and beyond and is available when you need him. I’m amazed at some of the loans he’s been able to get for me! Friends have been able to retire thanks to Larry. I you need a loan I wouldn’t go to anyone else!

Larry Martinez went above and beyond in procuring me the best interest rate. He explained everything thoroughly and was a joy to work with. He has great integrity and is super bright and I have the best rate!

Larry has always been my go-to guy when it comes to a mortgage lender, not so much for the good rates he has always been able to provide, but mainly because of all the time he spends with me, answering all of my questions and taking all the time necessary to educate me on how to best optimize my credit and my overall situation so that I can have the best outcome for my goals. Larry is the best done loan and refinancing. Great Guy works closely. Simply Six out of Five Stars. Thank you Larry.

I worked with Larry Martínez and it was a very smooth process. He got me the best rate and explain everything in detail. My next refi will be with Larry.

LARRY MARTINEZ PROVED TO BE A WAS ALL I NEEDED TO PURCHASE MY FIRST HOUSE. I APPRECIATE VERY MUCH ALL THE WORK HE HAS PUT IN
TO PURCHSING OUR FIRST HOME

Larry operates in integrity and I always felt he truly had my best interests in mind. He went out of his way to offer advice and communicate with my accountant. He would let me know if he thought I should move forward with the loan process or wait for a better deal. He wasn't just out to make a buck. He wanted me to win as well. I would recommend him to other friends who need help getting a mortgage loan or refinance.

Working with Larry was a pleasure, he always provided valuable feedback and supported us every step of the way, and in a very professional manner. I intend to continue to use Larry as needed in the future, and would have no hesitation to recommend him to anyone and everyone.

Best and professional services

Larry, is one the best broker that we ever work with. Thanks Larry.

Professional,Well Experience & One of the Best Services ever had in the past

Larry may have given me the best service I have ever received! I had an ongoing, challenging, complex situation that he investigated and solved. His persistence is off the charts. He is not only good, he is downright friendly. When I say someone gives old-Fashioned service that’s the highest compliment I can give and Larry gives old-fashioned service. He is incredibly available and get back to you quickly and reliably. He goes way out of his way to give the best service I have known.

Working with Larry was a great experience! Larry listened to me and asked pertinent questions to divine what I was looking to do and what kind of resources I had to work with. He also informed me of things to consider I hadn't thought of, which really helped protect me make the best choice. I was under a timeline, but Larry came through right away. He gave me a great full scale of options, and I got a great loan at a great rate! Very happy in my ocean view home!

Larry is great. He is honest and straightforward and is always looking out for his clients. He always goes the extra mile and is a pleasure to work with.

Larry worked with me on several refinances over a ten year period. He always helped find the best solution and rates for me. He was always available as needed and paid great attention to details. He is very personable and a pleasure to be with. I highly recommend Larry.

Ken Martini

Believe me .... This guy is incredible, without his support and experience, my wife Rejayne Lemos and I would never have bought our house .... I recommend it.

Larry has done 1 loan, 1 refinance and a loan on a Nevada property my we purchased for a second home.
All transactions were done very well, and Larry made it very easy for us. Customer service was outstanding.
Have referred him out.
Thank you Larry for all your help.
Best Regards,
Jeff and Pearl Hancock

Superb, dedicated, personal service! Larry is one of the most knowledgable, hardest working mortgage brokers I've ever worked with. And I can't say enough about his integrity. You cannot go wrong with Larry—he is the best in the business.

Larry you are great man! You just make my dream come true! Thanks for your help

Larry is a fantastic mortgage professional who is experienced and will work hard to get you a low rate with no hassle!

I have known Larry Martinez for many years now. He is one of the most competent loan broker I know. All my referrals I have given him have nothing but great praise for him and his staff. He and his staff are personal and they keep his clients updated every step of the way. I am very confident in referring people to Larry Martinez.

Larry Martinez did my last 2 mortgages. Larry’s advice and assistance made the whole process quick, easy and seamless. I have no doubt that I got the best deal possible. I highly recommend his services.

My experience with Larry Martinez, as a first time home buyer, was wonderful. He was a patient expert guide through the process, explained everything to us, and again when we needed reinforcement of our comprehension. We felt a strong partnership with Larry in getting the best rate, quick approval, and assistance with ensuring our application process went smoothly and was complete. I highly recommend Larry and would not hesitate to work with him again in the future. Kathy Cook, Vallejo CA

Larry was eager to give us a great product and that he did!

Very good.
With Mr. Larry assistance, We got our refinance with ease, low interest and quick.
Really appreciated.

Larry has been a pleasure to work with. He is not only knowledgeable, he is on your side and wants to see you succeed in attaining your dreams. Buying a home can be a nerve wrenching and vulnerable time. Larry gave us comfort and clarity. Thanks Larry, mi casa es su casa.

I want to thank Larry and the California mortgage advisers team for helping me with
A difficult refinance. They were able to get me a lower interest rate than other companies could offer. Larry made the whole experiance more enjoyable. His assertiveness and attention to detail went beyond my expectation.

When the mortgage market several years back became very challenging, Larry came up with the best possible options for us. He did an amazing job for my wife and I. If I ever required a mortgage again, I would definitely connect with Larry!!

Thanks again Larry!
Warren

Larry Martinez was GREAT! I live in Southern California and he was referred to me by a friend when I wanted to refinance a $300,000 mortgage. He negotiated a 2.75% loan in October 2016, which saved me more than $5,000 per year in interest. Charles Allen Claremont, CA

Larry was invaluable in helping us with a complex, unique mortgage application process. His extensive background in related fields, i.e. insurance kept us informed and aware of our choices. He stayed with us throughout the process so that we were able to achieve what we had hope for. I highly recommend Larry not only for his integrity, professional knowledge and connections , but also for his insight into what best to offer in each individual situation.
Janine Aroyan

Larry Martinez was recommended to me by a friend, who also made his recommendation to several of her other friend over the years. He helped everyone get into a home. This was my first time buying and Larry began working with me months before I ever even applied for a loan. He helped make sure I was getting my financial and credit situations in a proper state so that I could not only qualify, but obtain the best rate possible. He helped me to understand at what price range I could qualify and comfortably afford the mortgage. Finally, after a lot of personal financial work, I was ready. In an extremely competitive real estate region such as the San Francisco Bay Area, properties were receiving multiple offers within days of listing. But I was determined to be successful, as so was he. On most occasions, I had to call Larry over the weekend to request pre-approval letters specific to the offer I was making. He always, always came through. We made many offer attempts, usually being out bid because I was on a budget. But after months of looking, I got the home of my dreams!! Even better than I'd dared hope for. Larry obtained an excellent rate, was in constant contact with me during the final approval process, and was very encouraging and patient when things sometimes got difficult (not with the loan, but with the appraiser!). It really felt like a team effort - I wasn't in it alone. I'm quite certain that Larry has many clients who buy properties priced over a million bucks, it's the Bay Area after all. My home is a modest vintage one, but Larry treated me like I was worth a million. I can't recommend him highly enough. Thanks Larry!! Mi casa es su casa.

The home I just bought was a short sale, plus my partner and I are co-owners so you can't imagine a situation any more potentially complicated and Larry made the whole process as smooth as possible! For example, with the Patriot Act in effect, sourcing funds can be very time consuming and Larry was extremely clear what the underwriter asked for at each step plus he was so encouraging which helped me stay calm. He really demonstrated solid knowledge of the ins and outs of the loan process and had a way of explaining everything so simply with no BS. The most important thing to me was having someone who I could actually talk to, trust and feel like I wasn't just lost in the red tape of the system. I recommend him without hesitation.