Concept Mortgage

James Saville was amazing! He got us a VA loan during a pandemic while California was in lockdown and everyone was working from home. No easy feat. The service was impeccable and he returned our phone calls promptly even on a weekend. I will recommend Concept Mortgage to everyone. Buying a house can be very stressful and we felt like James was on top of everything.
Feb 19th, 2021

Concept Mortgage is one of the best companies I know when it comes to mortgage lending. If you want the best rate, save on lender fees and enjoy a less stressful mortgage process, then you will want to get in touch with them. You will be glad you did.
Sep 6th, 2020

The best in Santa Cruz county!
Mar 12th, 2020

Concept Mortgage is a great help for first time buyers like myself. I have no idea on what to do next but James Saville made sure I understand everything and he was very hands on during the process. At the end of it all, I had a smooth transaction. So if you are looking for a lender, you should definitely call Concept Mortgage.
Nov 5th, 2019

SIMPLY THE BEST! Loan application has never been easier with Concept Mortgage and with James Saville as my loan officer. He makes sure I was kept in the loop in everything that is happening during my application. Interest and Fees were actually lower than I expected which is so much better. I recommend Concept Mortgage as the #1 Lender in CA.
Jul 1st, 2019