For most of us, home is a very special place as well, as represents the largest liability we will incur during our lifetime. It’s important that you have a Mortgage Banker that has the experience, knowledge and trust to get you the best loan possible for your current situation. Choosing the right type of loan will have a dramatic impact on your financial future.

Over the past 20 years Stuart has developed financial tools that will help you take the guess work out of which type of loan will best suit your needs. When you are considering buying or refinancing a home give us an opportunity to show why more financial planners, CPA’s and top real estate agents and recommend Stuart and his team as their lender of choice.

*** Client Testimonials ***

Stuart,
I wanted to let you know that if everyone could be as customer focused as you, life would be so much easier. The mortgage loan service we received from you was excellent! It made our life a lot easier. I particularly appreciated the time you took to very simply explain various facets of the mortgage loan program, ways in which to save a whole lot of money on interest payments, and your willingness and availability to answer all our questions. Though we started out with you as clients, we now consider you a friend first because of your sincerity, integrity and courteous behavior. I will recommend your services to all my friends and associates. Keep up the good work!
PK Shrivastava
Torrance, CA 90501

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Stuart,
We would like to take this opportunity to say, “Thank you very much for handling our mortgage refinances, for the third time now.” We appreciate your diligence and temperament, each time we refinanced, and your timeliness on executing our pre-set trigger-point. Your attention to all of the details to our loan, you willingness to explain those details, and you’re presence during signing meant a lot to us. We have recommended your services to many friends and relatives, and we look forward to doing business with you again.
Best regards,
Mike and Debra Izumi

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Dear Prospective Clients,

It is with great pleasure I write this testimonial for Stuart Cooper. Stuart is a knowledgeable professional. He is an excellent communicator who goes out of his way to make sure his clients have all of the current facts and numbers concerning available mortgages. He also takes the time to keep in touch with updates on current rates (nice information to have if considering refinancing down the line) long after the deal is closed. Stuart has earned our past, current and future business. We feel confident that anyone reading this will feel the same as we do after doing business with Stuart.

Charles and Elizabeth Loew
Palos Verdes Estates, CA

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I have known and worked with Stuart for most of my 16 years as an active Realtor. Over these years, Stuart has stood out in his industry for many reasons:
1. He works hard for both my clients and me. I have never had a transactin not work out because of the loan with Stuart. He has also been available to my clients and me on weekends.
2. He is very knowledgeable, keeping me abreast of changes in the lending industry. If he doesn’t know something, he acknowledges it, and seeks to find the information immediately.
3. He also provides valuable strategies that help the buyer achieve their goals. A recent example was utilizing a rate buy down vs. a price reduction.
4. He actively provides updates to my clients and me throughout the transaction. Many other lenders have to be called and leave messages numerous times.
I definitely would recommend Stuart to anyone looking to purchase a home. I have referred many of my clients to him and have even used him to get me a great loan on my own home.
Sincerely,
Camille Jasmin
Keller Williams Realty

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Thank you Stuart for all of you hard work over the years. You have facilitated three loans for my wife and I. These were not easy loans and you were the only one that took the time and had the experience to get them done. The primary reasons we work with you is that you are honest and you have access to a wide range of loan programs. We also appreciate how easy you make the process and the detail you go in to explaining the pros and cons of each loan product. We certainly would refer your services to our friends and business contacts.
Tobias Halbmaier
Newport Beach CA

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Dear Stuart:
We have worked with you through several home purchases and have always found you to be proactive, hard working, and importantly, to possess the best mortgage rates around!!! We have been particularly impressed by your good nature and even temperament, even as the pace of the activities involving the home sale underwent the inevitable crescendo in the final days before escrow closure. Your calm demeanor and excellent business skills have allowed us peace of mind, not only that an excellent mortgage deal was achieved, but also in the knowledge that you will be there for future real estate financing. Sincere thanks from our family. Bill and Laura Stringer and Kids, Long Beach, California

I began my search for a home one year before I met Stuart Cooper. I had dealt with several loan officers, but I always had an uncomfortable feeling like they weren’t being upfront with me. After much searching, I finally found the home that met all my needs. I quick submitted an offer using the finance company from my real estate agent. While waiting for the bank to get back to me on whether or not the offer was accepted, I consulted with one of my co-workers who had recently re-financed her home with the help of Stuart. She had nothing but great things to say about him so I asked her for Stuart’s phone number and website. I was intrigued by the wealth of knowledge and information that Stuart provided on his website for free. I specifically began to follow his “Daily Rate Lock Advisory”. He was basically spot on with his daily forecast as to when would be a good day to lock in the loan. It was 5 days after I submitted my offer that the bank actually accepted it. At this point I was so excited yet overwhelmed because I knew it was going to be a very long and difficult process seeing that I was a first time home buyer. Right after the offer was accepted, I gave Stuart a call late in the evening. I introduced myself and he immediately began offering me some great advise as well as offering me a great interest rate of 4.85%. I immediately asked if he could be my loan officer and we locked in the rate. I felt 100% confident that Stuart would take care of me and sure enough I was in constant communication with him throughout the process. I sometimes called him several times a day with so many questions and he always managed to go above and beyond what I could expect for an answer. My loan was specifically difficult because the bank who owned the property asked to have the loan funded in 2 weeks. Mind you this was during the Christmas week. Stuart worked extremely hard to make sure the loan was funded on time as well as getting me a final 30 year fixed interest rate of 4.75%. I couldn’t have imagined an easier transaction as a first time home buyer. Stuart even helped me with concerns that should have been taken care of by my real estate agent. I built a great relationship with Stuart and to this day I feel comfortable enough to give him a ring and have a casual conversation or even ask him any finance questions I may have. He always takes the time to make sure everything gets taken care of. If anyone was looking to buy a new home, I would definitely recommend Stuart because of his high level of professionalism, knowledge, and ability to get the job done!

Frank Gonzalez

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In mid 2003 my wife and I were fortunate enough to find our dream home. Having no expertise in real estate or finance we relied on the expertise of our realtor, who we knew and trusted. She recommended that we contact Stuart Cooper to assist us in securing a loan to finance the property.
The trust was well put. The world of finance is extremely complex to one not informed in those matters. Mr. Cooper contributed to easing any anxiety we had by clearly explaining the process and the best manner to approach it. We did not qualify for 100% financing; so he explained that the best approach was to secure the major portion on a first mortgage and the remaining lesser portion on a 2nd mortgage. He farther explained that because of the movement of the current market, in a year or so we could refinance the property and pay off the 2nd mortgage. We agreed and he commenced and completed the process and on September 8, 2003 escrow closed and we became proud homeowners.
In September 2004, we contacted Stuart again to discuss refinancing to pay off the small 2nd mortgage. Again he handled the process and in short order secured financing and we were able to pay off the 2nd mortgage.
We are still happy with our home and are extremely pleased that the complex world of securing finance was made tolerable by Stuart Cooper.

Clarence and Josie Bustamante Hatcherson
San Pedro, CAS

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Stuart Cooper got me the cheapest loan out there and I had several people looking. His knowledge of the institutions and process greatly helped me in my first time home buying experience. He also got me a great home equity line of credit. I highly recommend him!
Chris Campbell

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Dear Stuart,
I would like to thank you again for another great re-finance experience you have given me. This makes I believe the 3rd or 4th time I have re-fied w/ you over about 8 years or so. Once again, you have been totally professional. I appreciate how you have gotten me such a great rate, attended to every detail, kept in touch w/ me along the way, and brought it to closure without a hitch EACH time. You also, made it so easy and convenient for me — all I ever had to do was sign a few papers which you always brought or had brought to me. I wish the other endeavors in my life as a professional and a consumer would be so easy as working with you! I wish you continued success!!!
Sincerely,
Bill Reed

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04January 2010
To Whom It May Concern:
In mid-2003 my wife, Lisa, and I decided to sell our home of 15 years if we could find a suitably larger home in a desirable area. Knowing that searching the multitude of mortgage options would be tedious, I asked a close friend, who I respect, for advice. She told me that she and her husband had contracted through a young mortgage broker who was honest, straightforward and extremely thorough. His name was Stuart Cooper.
Lisa and I knew that because of some extenuating circumstances we would likely buy and close on a new home prior to listing our existing home. Stuart worked closely with Lisa and me to determine the best plan forward for finding the right mortgage for our unique situation.

The house-hunting expedition in 2003 was grueling. With the help of an agent, we toured and reviewed 49 candidate homes and formally submitted at-price or above-price offers on six homes; only to be outbid on each one. Throughout these many months, Stuart remained diligent and patient. His personable demeanor made it easy for me to talk to him. He offered advice on dealing with the real estate bidding wars that were now common in the area. He provided helpful information on home equity and bridge loans knowing that we would likely require the additional resources once we found a new home. In November 2003 our luck turned and our offer was accepted on a home in our most desired area. The owner wanted a short escrow as she was moving out of state, so Stuart immediately began expediting the process of all the necessary documents and forms. As an engineer, I meticulously scrutinize legal forms and again Stuart patiently walked me through the legal verbiage and all costs and estimates. In the end, Stuart processed and completed a complex mortgage option and somehow made it look easy. Lisa and I were extremely satisfied with Stuart’s results.

The loan on this home was a 5 year hybrid loan, which at the time was the best option for Lisa and me. In 2006, I again contacted Stuart to discuss possible refinancing. Based on Stuart’s expectations of possible changes to more favorable rates, he recommended that I hold off on a refinance. I found it impressive and refreshing to find someone in a service organization who would recommend a course of action that benefited the client more than the provider. Stuart and I kept in touch with regular phone calls and monthly mailings regarding market trends. In late 2007, the bank through which my home loan was secured offered Lisa and me an opportunity to ‘modify’ our loan to extend the term at a very reasonable cost. I immediately called Stuart to discuss. He suggested several questions I should ask and helped me to understand how a ‘loan modification’ works. Again, Stuart’s straightforward honesty surprised me. He recommended that I take the bank’s offer as it was a better deal than he could offer. Lisa and I took the loan modification, thereby extending our current loan at a still low rate. I requested from Stuart that as he continues to monitor the market, to call me if rates become more favorable than this new modification. In June 2009, Stuart contacted me with information regarding the new rates on 30 year loans. Within 3 weeks of that phone call, Lisa and I again refinanced our home loan to a rate better than the ‘modified’ loan. I have and will continue to refer Stuart to all who ask about finding a good mortgage broker and in some cases when I hear of a friend, who is house-hunting, will strongly suggest that they give Stuart a call.
Karl & Lisa Cox

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Buying a new home, getting financed and closing escrow by a deadline can be a daunting process. I was amazed at how easy Stuart made the loan process for me. He was very dependable, and I could always expect prompt e mails from him explaining each step along the way. He was always available like a friend on the phone to help me reach my goals. He went out of his way to help me with every aspect of the purchase. In my particular situation, he assisted me with far more than just my loan. Stuart Cooper works with integrity, honesty and efficiency. I thank him for all he has done in making my dream home purchase a reality.
Pat Echolds
Talega of San Clemente

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Kathryn and I have consulted Stuart Cooper regarding our real estate lending needs for over 4 years. During that time he has helped us purchase a condominium, research refinance options, and pre-qualify for a loan to purchase our first house.
Stuart is extremely knowledgeable about the real estate lending business and is equally capable of educating potential borrowers about what loan product is best for them. When explaining our refinance options or helping us pre-qualify for a new home loan, he compiled detailed reports showing all of the loan details and costs for several interest rate and down payment options. Then he would spend time with us to fully explain all of the options and help us choose the best one. Stuart has always been available when we have needed to ask questions or when we have needed help putting together a last minute offer on a new house. He has made time for us both during and outside of normal business hours.
Michael & Kathryn

Kathryn and I have consulted Stuart Cooper regarding our real estate lending needs for over 4 years. During that time he has helped us purchase a condominium, research refinance options, and pre-qualify for a loan to purchase our first house.
Stuart is extremely knowledgeable about the real estate lending business and is equally capable of educating potential borrowers about what loan product is best for them. When explaining our refinance options or helping us pre-qualify for a new home loan, he compiled detailed reports showing all of the loan details and costs for several interest rate and down payment options. Then he would spend time with us to fully explain all of the options and help us choose the best one. Stuart has always been available when we have needed to ask questions or when we have needed help putting together a last minute offer on a new house. He has made time for us both during and outside of normal business hours.
Kathryn and I would feel comfortable recommending Stuart to any of our friends. He is honest, knowledgeable and dependable. Please feel free to contact me with any questions regarding Stuart Cooper.
Sincerely,
Mike Williams

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Stuart,
Thank you for helping us with the refinance of our home, you did a great job and would highly recommend you. I saw you on the news a few weeks ago so I guess the word is out. We will definitely be recommending you to our friends and family.
Best regards,
Bruce Grant
R. Bruce Grant

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Dear Stuart,
I just wanted to drop you a note to thank you for all of the money you have saved us over the years after we refinanced our home with you. You were very easy to work with, and after lowering our monthly mortgage payment by $303 per month with no points and no fees involved, we have since increased our total cash flow by $23,937 ($303 x 79 months of mortgage since the time we refinanced).
Thanks so much once again for finding such a great loan for us.
Best regards,
Todd Friedman

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Stuart,

My wife Linda and I have been very pleased to have worked with Stuart Cooper for more than 7 years! Having grown up with Stuart and knowing him for more than 20 years, he was the natural choice when we bought our first home. He did everything and worked hard to get us the best program out there. Later we refinanced our home, and Stuart made the process easy and painless and always stays in touch when the rates make a move. We have recommended Stuart to friends, family and colleagues at work, all with great results.

Warmest Regards,

Joe and Linda Jaconi
Redondo Beach, CA

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Stuart,

Stacy and I are greatful for your support over the years. You have assisted our family with a home loan and several mortgage refinance loans. The primary reason we work with you is your honestly and your ease of doing business. You have proven time and time again that you could get us the best rates available while maintaining a low-stress environment, you are a consumate professional. We have referred your services to other family members and friends, all whom are greatful, and we will continue to do so because of your sincere concern for our family welfare. As a result of that trust and confidence we have developed a friendship outside of this buisness environment.
Sincere thanks from our family.
Chris and Stacy Burt
Trabuco Canyon, CA

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Stuart,
Annie and I would like to thank you for guiding us through our recent mortgage. You made the process painless and worry free. It was very reassuring that you always answered our call and you would answer all the questions that we threw at you. The time that you took to talk us through the mortgage options to help us customize a loan that fit our lives and maximize our savings was brilliant. Your patience and attention to detail is rare and is why I would trust no one else in the future. I will definitely recommend your services to all my friends and family.
Thank you always,
Joon & Annie Park
Redondo Beach, CA

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Stuart,
Thank you for the years of excellent financial advise and assistance obtaining loans for our homes, both income properties and primary residence and the refinances that followed. After doing at least 4 loans with you I got spoiled! When I moved to Hawaii and you could not do my latest 3 loans I had to use someone else and it was not the same. There was no follow ups, no call backs and not the same attention to detail. I felt that I was more qualified than my loan broker and I remember consulting you on those loans even though you were not involved and again I thank you. Your integrity, honesty and hard work has been phenomenal. The fact that I was able to call you last month for details about the loan you did form me 4 years ago and get the answers within minutes goes to show that your organization and integrity. The other agent I used in Hawaii is not even doing loans any more.
I have recommended you to family and friends and will continue to do so.
Thank you,
Mike Hermanns