Home Purchase Testimonials

“I would like to give a huge THANK YOU to Mike Mitchell and his team at Community First Mortgage! They literally stepped in with only weeks to spare after our other lender fell through! We had a very difficult loan due to owning another rental property and Mike and his team stepped in and saved the loan!”

– Lisa J.

“She worked extremely well with the escrow company as well as my super agent. I’m still amazed…JB, I told you before, but I’m going to tell you again, you were the best thing that happened to us during our home purchase.”

– Andre M.

“I should begin by saying I am writing about my second experience with Community First Mortgage and I am just as pleased this time as I was the first time…JB was always available and answered all my questions with patience. She answered every email fast…”

– Richard R.

“We were first time homebuyers and weren’t sure where to start. Mike and Val were honest and upfront. They provided great advice and guidance. Even better, they were very accessible and prompt with replies to emails and phone calls. They made the entire process extremely easy.”

– Heather M.

“My wife and I worked with Brian and Alex and were so happy with our experience! I was pretty nervous going into the loan process since this was our first home and we were about to spend our life savings, but they made us feel so completely at ease the entire time 🙂

Brian is so patient and answered our hundreds of questions and always took our calls, whether it was early morning or 7 PM at night. Thank you, Brian!

Alex really took the time to help explain everything that was happening and made sure the entire process was easy to understand. She held our hands the entire way and I felt super comfortable signing all the documents with her guidance. She’s amazing!!

10/10 experience!”

– Scott Q.

“I can not say enough wonderful things about Community First Mortgage. Alex and Valerie went above and beyond to help me secure my first home.

Alex made a very difficult process feel safe and friendly which is difficult to do.

The response time and communication was stellar. I was not just another number to them. I had close personal contact throughout the entire process. They responded right away to any questions I had, and they found me the best rate and loan.

I highly recommend. I will continue w them throughout my future loans and refer friends and family.

Thank you Alex! Thank you Valerie!”

– Melissa F.

“We bought our first home with Community First Mortgage. I did a lot of research , mortgage shopping and due diligence and finally settled on Community First. Their rates and service were so good! I worked with another Mortgage lender initially recommended by my realtor, and he couldn’t match Community first rates and I was also told that there must be something wrong for them to offer it so low! (Of course, there was nothing wrong!)

I worked with JB and she has been AWESOME throughout the whole process. We are first time home buyers and she was the best part about the whole process. We had so many other small problems with everyone else we worked on the deal from Realtors to Escrow, but JB was just great in hand holding us throughout the way, coordinating with everyone involved and also delivered as promised within the time frame we wanted to close. She was also very detailed and meticulous in explaining the fee structure, and everything we will need to spend from down payment to monthly mortgage. This is great, because I hate unexpected last minute costs.

After we closed, the Escrow company we worked with messed up with some numbers and owed us money. JB relentlessly worked on pushing them to send the money back to us even though she didn’t have to. I wouldn’t hesitate for a bit before recommending Community First and JB to anyone else. Their rates and Customer Service is excellent. Also, they always answer phone calls and respond to emails. ALWAYS. If you are first time home buyer or even otherwise, just call JB at Community First!”

– Shaneez H.

“I was a little (a lot) apprehensive about getting a mortgage but Community First made this process as painless as possible. In fact, the loan and the house process is a fraction of the headache I’m under now trying to find a general contractor. I wish finding a general contractor was as easy and pain-free as getting a mortgage with Mike and JB!

Mike locked in a fantastic rate for me and advised me to go with a lender that could close my loan in 3 weeks. As promised, they closed my loan in 3 weeks. Mike wasn’t pushy at all and gave me information to make my own decision. In fact, after my accountant took a look at my loan estimate, he called me and asked why I didn’t listen to Mike’s advice! (I ended up listening to Mike’s advice.)

The “crazy paperwork” that everyone talked about took me about 1 hour to gather, and JB took it from there. She kept me informed daily about how the loan was moving through, giving me a heads up on any obstacles ahead. I felt like I was sailing through escrow thanks to her!

I was so happy with the rate that Community First gave me that I ended up recommending them to my co-worker immediately (like 3 days) after Mike and I first talked. My co-worker and I ended up closing our loans the same weekend and we’re both super happy with the rate!

Thanks Mike, JB, Valerie, and everyone at Community First!”

– Huong N.

“We recently purchased our first home through Community First Mortgage and overall had a great experience! We worked with Neil primarily and also with Alex. We asked a LOT of questions throughout our process, and they were always fully answered. It gave me so much peace of mind to be able to call Neil, read through my list of questions, and get answers from someone so experienced. We always felt like Community First had our best interests in mind, and we got good advice on our rate…and ultimately are very happy with our monthly mortgage payments! Will definitely work with Community First again, and would highly recommend them for mortgage/refinance needs.”

– Kathryn O.

“I am very grateful and impressed with Community First Mortgage, especially with JB Samuelson. Buying your first home is a major step into adulthood and investment-and after a year of research on lenders and loan officers to go with for a mortgage loan, I hit the jackpot with JB and team.

My whole experience was flawless and detailed. You can feel and see that Community first Mortgage really cares for the client’s best financial interest. JB is incredibly skilled and a pleasure to work with. She truly represents Community First Bank with integrity, excellence, and commitment.”

– Adrian P.

“If you want a smooth, seamless, and EASY loan experience, don’t waste your time anywhere else. NEIL COULSELL at Community First Mortgage was AMAZING! For over the last year, we’ve been searching for our new home and he’s been with us every step of the way. Even before we found a home, he kept sending us weekly rate updates for the loan program we wanted to have. Then once we were in escrow, he had the answer to every single question I had and never seemed it to be a burden with the countless number of emails I kept sending him to have our questions answered. He was a HUGE reason why we were able to finally close on our home. It was a life changing moment in the life of me and my family (our second child is due in August) and I can’t thank Neil (and Kayla and JB) enough!!! There is no one I will be going to for any future purchase or refi opportunities. Neil is the man and we are a loyal customer for life! :)”

– Ed T.

“Thank you again to Community First Mortgage! They helped us with a fast escrow, closing in 19 days, on our 2nd home. And its all thanks to how efficient each and every one of their team members are. Big thanks to Mike Mitchell for putting together our loan and Kayla for timely process of the paperwork. Appreciate all your hard work!”

– Heather M.

“Community first mortgage made our first home purchase very comforting. They were always available for questions. The process was smooth and effortless. We will be working with them with every purchase we make in the future, and will advise others to do so too. Thank you community first.”

– Jared S.

“I never write reviews, but sometimes something just needs to be said.
I was in escrow and about to sign loan docs and did a quick online search just to check bank rates. It led me to Community First Mortgage website. I had come across their site previously and had noted the good reviews but when it came time to actually get preapproved I started working with a loan guy referred by my real estate agent. Just to be sure I was getting the best rate I filled out the info on the Community First site for the fast rate quote. I actually mistyped the down payment info and within minutes I received a call from Neil at Community First letting me know it looked like I might of made an error and that he could probably offer even better rates then what was quoted. I explained that I was very close to signing docs but based on the numbers he was quoting I had to see what he could do. Neil had several options for me to consider (something the other lender didn’t). Even though Neil was at a disadvantage compared with the other lender because he was starting the process way later, he was confident that he could get me approved and the loan closed ahead of the other lender. What can I say, Neil was not just making hopeful promises, he got it done. I even showed Community Firsts loan estimate to the other loan agent (his suggestion) before signing papers with Community First and he was impressed. He told me it looked legit and that if Neil’s rate was real then I needed to go with it. Well, I worked with Neil and Kayla and I’ve got to say they are the real deal. From start to finish, friendly, professional, responsive. Neil is consistently accessible and answers his phone. My Realtor was so impressed with Neil’s performance she is now recommending him to her clients.
Bottom line, a mortgage is a major purchase and it’s important to know you are getting the best rate possible. You absolutely should shop for a mortgage and not just go with the first loan offered. I highly Recommend Community First Mortgage and look forward to working with them again in the future.
Thank you Neil and Kayla!”

– Dan C.

“My husband and I purchased our first home. Buying a home for the first time, or anytime… is very daunting. After speaking to several mortgage brokers and not getting straight answers, we found Neil from Community First Mortgage. He was direct, prompt and kind to deal with! I immediately knew I wanted to work with him because of his well organized emails that spelled everything out for us. Other brokers took so much of our time talking on the phone and really not explaining things clearly. Neil cut to the chase and made everything crystal clear. Neil and his team were extremely pleasant to work with and I would highly recommend them to anyone. Thank you Neil and team!”

– Megan M.

“The entire team at CFM is amazing! Not only do they know the business well, they are thoughtful and truly care about each client. They helped me to buy my first home. Mike had a lot of explaining to do. He was very patient with all of my questions and truthful with all answers. Kayla was on top of all the paperwork/processing. You cannot go wrong by working with this fabulous team!”

– Tasha S.

Home Refinance Testimonials

“This is my first home and first time refinancing so I was not familiar with the process. Neil walked me through step by step and answered all of my many questions. I had also checked with a few other banks and lenders and Neil was able to get me the best rate…”

– Lindsey H.

“Neil was able to get me a no-cost loan at a very competitive rate, and a slew of cash on top of that. With his suggestion, I will use that cash to pay off some old debt and revisit refinancing in about a year when my FICO score is more agreeable to an even lower interest rate.”

– Robert D.

“My experience with Community First Mortgage was wonderful. Neil and his team Ian and Kayla were the best during our refinance. They made everything so easy and smooth from the beginning to the end of the process. I will definitely be using their services in the future and will be recommending them for their great work!”

– Patty M.

“After using a mortgage company in Los Angeles to purchase my home, I was less than thrilled with their customer service, explanations and transparency. I ask a lot of questions and expect thoughtful answers. My parents recommended Brian McClure & his team at Community First for a refinance and after my first conversation I liked them 10x more. We refinanced and it went really well. Then we refinanced AGAIN and it went really well AGAIN! I am a true novice in anything mortgage, homeowner, or tax related and Brian was able to break down numbers, give precise estimates, speak plainly and clearly to me to help me make the right decision. I never felt pushed to make a decision and I felt heard when I brought up any issues that needed clarification. They’re tech savvy and make the process painless. Oh, and they had less expensive fees than my previous company. Highly recommend, even for a home purchase/refinance in Los Angeles.”

– Bria L.

“We love CFM it’s our second time using them. First time was to purchase our home and this time to refinance. Neil and Kayla were fantastic!!!!” – Shannyn-Rae M.

“Highly recommended from a friend. I got the best interest rate for my home refinance. Very Thanks to Neil, Kayla and Ian. Great service and help.” – Richard T.

“I just refinanced through Community First Mortgage and it was the fastest process ever. I have done this process many times with so many other banks and no one does it better than Community First. The first I used them to mortgage my house j worked with JB and this time I worked with Alex. Alex was fantastic and the communication is always quick and fast. I’ve been dealing with financial and lending institutions for decades and no one does customer service like Community First does. I highly recommend Community First to anyone looking for their home finance needs. Ask for Alex, you won’t be disappointed!”

– Shaneez H.

“Wow!! If I could give JB and John infinity stars it still wouldn’t be enough! They not only did they refinance a couple of houses for me they did so for my in laws as well. They were able to differentiate between taxable and non taxable income and they were also fluent on profit and loss statements. No other lender or broker that I contacted came close. They answered all of my calls and emails at record speed too. They were able to close all loans at an outstanding rate in record time. Don’t look anywhere else, you’ve already found the best of the best in JB and John!”

– Kristen G.

“Can’t be happier with Community First Mortgage! I worked w/ Neil Coulsell. He was so professional and honest throughout the whole process. I had a nightmare situation w/ Loan depot and he was more than accommodating, quickly providing top notch service to get us a great cash out refi. Thanks again Neil!”

-James Y.

“I was so pleased the first time with Neil at Community First Mortgage that I came back as a repeat customer and just completed a refinance. They are Always so responsive, and made the process smooth. It was quick to close. I received the best rate possible. It was such an easy simple process. Thank you so much Neil, Laura, and the team!”

– Renee L.

“I was looking to do a refi on my house. I decided to google mortgage company’s in the area and CFM came up on my search. I gave them a call and talked with Valerie. I made an appointment and met with her. So here’s where it starts. Valerie was top notch and did an awesome job doing my refi! The process was painless and Valerie and the rest of the CFM staff made the process flawless! Do I recommend CFM? ABSOLUTELY!!!! I have refi’d several times with other companies and CFM was the best. They really work to get you the best rate! Thank you Valerie and staff! Keep up the great work!”

– Ehren N.

“We have just finished refinancing the loan on our house with Community First. We’ve had a great experience; Neil Coulsell and his team are very knowledgeable, very fast to respond and ask any questions you might have. The rates were also great.

We will definitely use them again, if the opportunity arises.”

– Corneliu G.

“I rarely write reviews, but Valerie and her team are so deserving, and I want to make sure others can find them when needed, like I did. I was stuck in a terrible situation, made worse by a mortgage broker who’d convinced me that nobody could help me [get out of the position he had put me in] but him. After 9 months of waiting for him to deliver, with a balloon payment rapidly approaching, I finally decided to take a leap and try to find someone who would actually get the job done.

I was praying for a miracle the night I searched yelp for a new broker. Community First Mortgage was the clear front runner, and even though I didn’t find a review that said “miracle worker” straight out, I decided to use their easy online quote system to see what would happen.

Early the next morning, I received a very detailed email from Valerie with a quote and other helpful information. Soon after I emailed her with what I believed to be the challenges I was facing, she called me, and by the end of the call, I was feeling uncharacteristically optimistic.

Within a week, she’d figured everything out and put JB on the case to get the loan locked. We had a couple of unexpected hurdles getting to the finish line, but Valerie and JB were there with a solution each time.

My loan funded today, and I got my miracle. No balloon payment, and my interest rate is literally half of what it was. Community First Mortgage saved me, and I’m here to say that if you’re looking for a miracle worker, you’ve found the right place. Call Valerie… or, just enter your info into their online quote system, and I’m sure you’ll get the help you need!


– Deborah F.

“I had worked with Mike through an introduction approx., 4 years back. This time the combination of Mike and JB really got the best deal I could ask for. The process was so smooth and painless. They executed the Re-financing process professionally & efficiently. I had already recommend, First Community Mortgage to my immediate family and recommending them again is no brainier. Thank you Mike & JB.”

– Srilal D.

“This would be my second refinance situation with Neil and his team. The first was to get rid of my PMI, and this time around was to take out cash to I order to pay off a HERO loan program for some energy efficient upgrades.

Neil and his team make things easy and amazingly fast!!! He showed again to be accurate and knowledgeable with his information. It’s great for things like this to be headache free.
Thanks again Neil!!!”

– Jay G.

“Loan officer, Neil Coulsell, with Community First Mortgage provided top notch service with the best rates that no other bank or loan officer could come close to. Not even a family friend loan officer could beat the refinance option that Neil provided. My refinance closed in about 3 weeks and was smooth as possible. I’ve already recommended him to my sister who is a real estate agent and will refer him in the future.

The funny thing is that I came across this company accidentally when searching the web for rates. I completed a half inquiry on their website and exited the website when I got busy with something else. I didn’t think the information I entered would go anywhere because I exited the website. Neil must have come across just enough details that I provided in my incomplete inquiry and sent me an immediate email laying out all my options based on the scenario I entered. I was shocked by the quick response and best value options he provided. I used to be a loan officer a long time ago, so I new more or less what to look for. He was prompt, professional, and got me the best rate possible. I will use him again in the future. Thank you Neil!”

– Renee L.

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