My Husband and I first worked with Earl in 2014 when we bought our first home. Earl handled both the purchase and the loan. In 2015 Earl called us and we were able to refinance and drop our interest rate. He handled everything.  In 2017 when we decided to sell our home there was no doubt in our mind that Earl would make the process seamless once again. We had an offer within a week of the listing and sold for exactly what we wanted. To top it all we were in Europe for 2 weeks of the escrow. Earl and Patrick handled everything so that we could enjoy our trip. We had great experiences working with these two and would recommend them for any of your mortgage or real estate needs.

Earl has been an absolute pleasure to work with. He has helped us with 2 home loans, 2 refinances and the selling of one of our properties. Earl is very knowledgeable, organized, trustworthy, and explains each process clearly. He was always available to answer our many questions, made our experience stress-free, and ensured we felt confident with each transaction. We have referred him to many of our friends and they have all been extremely satisfied and grateful for the referral.

Refinancing my property was a nightmare and disaster working with other loan officers.  Other loan officers offered many broken promises and dragged out the process for many, many months.  My life turned around when I was connected to Patrick A. Russell.   Because Patrick is very intelligent and knowledgeable about his products, he was able to get my loan closed quickly, at a low fixed rate, with the amount of funds I needed.  Within 30 days from meeting Patrick, my loan was funded.  I was astonished how easy he made the loan process for me without the stress I had experienced after the agonizing months of turmoil with other lenders.  I am grateful every day for Patrick, as he made a difference in my life, and helped me with exactly what I needed. These are only a few of the reasons I highly recommend Patrick as a loan officer.

Patrick and Earl are an awesome team. I've worked with them twice - once as mortgage brokers refinancing my Point Loma (Sea Colony) condo in 2013 for a lower interest rate, and again as listing agents to sell my condo in 2016.  My condo was on the market for zero days and sold above asking price. I had two great experiences working with these gentlemen and highly recommend them for any of your mortgage, or real-estate, needs.