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Are you looking to purchase a home? Use the form within the banner above to see how much lower our rates are than the big banks. Then fill out our short application to see if you qualify and obtain mortgage approval.
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Providing comprehensive real estate advisory and transaction services to many of the nation’s largest corporations, property owners, investors and developers.
CRESTICO is a full-service Real Estate Brokerage and Mortgage Lending firm in Los Angeles
offering a variety of services including First Time Home Buyer Purchase Programs, Short Sale, Foreclosure Prevention, Relocation, Real Estate Investment as well as providing financing for purchasing new homes or refinancing existing mortgages to reduce interest rates and/or lower monthly payments by offering no fee, no cost transactions.
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Our Customers
Houtan was a pleasure to work with. He was incredibly responsive to all of my questions whether via phone or email. I was so surprised how quickly he was able to answer my questions when I had them. He was also very thorough in answering them - he not only answered the "what" but the "why" and "how" (which was very important for me as a teacher!). I was referred to Houtan by a fellow teacher, and I would make the same recommendation to others as well.
Katie S.
If you are looking for a reliable mortgage broker in Los Angeles I'd say your search is over! I've have been looking for a Loan Officer that would be able to help me and my family with refinances and purchases that we have in mind. Our financial situation is little more complicated becuase of the number of people involved in each transaction and most loan officers were not able to undrestand our finances to come up with the strategy that would help us achive our financial goals. I am very pleased with the level of professionalisim and service deliverd by Houtan and his team. He was always available to answer my questions through out the process from the begining to end. I strongly recommend contacting Houtan for a consultation.
Brian P.
An amazing experience with a great mortgage lender is priceless and my exprience with Houtan and his team was exactly that! I had been shopping for a good broker that could provide the lowest rate and fees for my complicated situation and that is exactly what i got here. I am very happy with my experience. I highly receommend Houtan to anyone who is looking for a good lender that provides you with an amazingly excepetional service at super low interest rates in Los Angeles.
John H
When looking for a Mortgage Brokers, the most important thing you should consider is how smart the actual broker is in terms of how well they know the system (financial and laws) and how well they know their numbers. Houtan is by far a genius when it comes to these two vital aspects of buying a house. You need someone who knows how to get things to work in your favor (in this very convoluted system). You need someone who you can trust with the mathematical complication of financing a house, again, in your favor. Finally, you need someone who is quick and responsive to your needs and all your questions.I was a first time Home Owner with many questions. I phone interviewed 5 different mortgage brokers, and sent in my financial paperwork to three of them. I needed someone who understood my situation realistically. Many of them were more than happy to offer all kinds of wonderful things and promise a "no problems" situation. Some of them were all doom and gloom. Houtan was very realistic with me in terms of what I can expect and afford within the limitations I had financially. He had options depending on the structure of the loan and we looked at what different down payments and programs would mean for me. Houtan knew how every factor affected the house buying process and the financial implications.Best of all, Houtan explained EVERYTHING to a T! He picked up the phone every time I called! If not, I quickly got a call back, even on the weekends and Holidays! (In escrow during Thanksgiving) I wanted someone responsive and Houtan was it! He and his assistant replied quickly to every email no matter what time it was! I really appreciated the email responses and thorough answers.Last of all.... I won't give details, but he was able to save me A LOT of money at the end of the deal. His structure savvy methods of getting us the right loan at the right interest rate was invaluable!! Needless to say, you will not go wrong should you choose Houtan Hormozian and his team! I will refer him to everyone I know! I will also use him in all of my future home financing needs! No question!
Keao T.
I am a realtor. Houtan Hormozian was my buyers lender. He was always very responsive and always answered my calls, some lenders never call you backHe promised he would close in 30 days and he did.I would highly recommend him.
Lena M.
Houtan and His team are great. He got me a great rate and funded my loan before my escrow closing date. A ++
Sean L.
As a first time home buyer i have been hearing horrible stories from friends and family members about their dealing with Mortgage Brokers and Realtors and now i understand why they all have such bad experiences in most cases.Long story short, after hearing all their horrible stories, i started my search for a broker and Realtor online and came across CRESTICO on multiple websites such as yelp and yahoo and i decided to call and start my process, i have to say, at first i was on the fence about using a small company like this because i thought they may not have the right resources to help me accomplish my goals but now i understand it has nothing to do with the size of the company and its all about the individual who is guiding you throughout the transaction.Big companies have the name that everyone knows but at the end of the day, the person who helps you is an individual that works there that may have the knowledge that you look for, at CRESTICO, working with Houtan I learned about Real Estate and Mortgage process from the beginning which was great, now i know more about this process than i thought i would ever be able to understand.I am pleased to say I am a proud home owner with an amazing mortgage which fits my needs perfectly. I have and will continue to refer and recommend friends, family and colleagues to Hotuan for their purchase and refinancing needs.
Iman M.
We did a lot of research before settling on Houtan - and he has been a great find. He has helped us with our home purchase, and several refinances since then. As we look into purchasing rental properties, he is always available to answer questions and explain things in terms that non-brokers can understand. He is, and will always be a part of our investment team.
Dane
We did a lot of research before settling on Houtan - and he has been a great find. He has helped us with our home purchase, and several refinances since then. As we look into purchasing rental properties, he is always available to answer questions and explain things in terms that non-brokers can understand. He is, and will always be a part of our investment team.
Dane
I was shopping around for the best possible home loan lender or broker several months before the purchase of the property, I needed the loan to close fast after the offer was accepted, and I wanted the best rate and terms possible. I called many lenders, and was impressed with Houtan’s calm and thorough answers to all my questions, I liked the fact that he never tried to agree with me just so I could like him, his job is to educate and give me the options available and for me to pick and he did it perfectly, I had actually told Houtan that I had decided on another lender, and he was very understanding. When things did not work out with the other lender I called Houtan. We closed the loan in 25 days with a great rate, and better terms then he had quoted since market had gotten better! When I informed my Agent and Escrow that I am changing my loan officer and company and that Houtan was going to be my loan officer they both mentioned that I was in good hands to be working with Houtan, and that they had always liked working with him. During the loan process we needed to modify the purchase agreement and Houtan facilitated this with ease. Houtan is very patient, and seems to really care about her clients' interests. I recommend him with confidence.
Mildreth R.
Houtan is a great mortgage advisor. He’s honest, competent, and very professional. He assisted my client with her first home purchase and we couldn’t be happier. I would be more than happy to refer my friends & family to Houtan for the great service we received. A++++
Jane K. L.
Getting a mortgage for a home purchase should not be stressful, challenging or complicated and it wont be IF you are working with the RIGHT person, Trust me when I say that, I learned that the hard way but Houtan is the "RIGHT" person to work with! I started my home buying process February of 2017 after a bank teller behind the counter asked me if I had thought about it since her screen says I am pre-qualified for a mortgage and connected me with a mortgage banker at the branch, well that was a huge waste of my time since the "mortgage banker" took 3 months of my time by asking for document after document and more information just to come back to me and say his Underwriter Manager could not approve the loan and that was it! well I guess the pre-approval letter he had issued me was not worth the ink it was written with, after that I was connected with a direct home loan lender through a realtor that I had been working on finding a home and well I guess the only good thing coming out of the first banker was the fact that I had thousands of pages and letters of explanations ready for this direct lender to review, took him only 3 weeks to say Sorry, I guess that's better than 3 months, so I gave up on the process since 2 so called Sr. Loan Officers with years of experience in Los Angeles area had turned me down. I was introduced to Houtan Hormozian at Crestico Funding over summer time through a friend that just had purchased a home and had gotten his financing taken care of by Houtan, knowing my friend well enough to know his business is more complex than me with even a more creative CPA I decided to go through the process one more time with Houtan and I am glad I did cause now I am a Homeowner again! My initial reaction once I found out Houtan is a Mortgage Broker and not a lender or banker was little unsettling cause I've had really bad experience during the mortgage subprime boom back in the days and I walked into this situation with my guards up, Well I guess there is a reason why Houtan is who he is, True professional, ethical and man of his word, he never made me feel unformattable with his answers and always made sure I am as clear as possible about the answers provided, our initial interview was lengthy as I had to explain to him what I was told with past loan officers and for him to review the documents (took him 2 days since it was ALOT) to come back to me with possible options, he explained it wont be a walk through the park but with proper planning we could do what we need to do and surely enough with did! THANK YOU!!!
Hector C
We worked with Houtan Hormozian for our new home purchase financing and it was a very smooth process. Houtan was totally on top of everything and made sure we were too! We both have busy work schedules and appreciated that Houtan was thorough with his follow up and making sure all the paperwork was getting done in a timely manner. His communication and organization skills are outstanding. We never felt alone in the process. I can't think of one time he was not readily available to us for any of our questions. Highly recommend!
Homan K.
Crestico really helped us out by not only help us do a refinancing, but more importantly educating us on our options. I am not a mortgage broker so I have no idea what things like no point no cost means. However, after speaking with their friendly and knowledgeable staff, I really had a good understanding about the benefits of a no point no cost mortgage. I also liked how Crestico has a high level of customer satisfaction. All of these things combined make them the leaders in the real estate industry backed by excellent service.
Kenny P.
Getting a home loan shouldn't be hard, difficult, frustrating or exhausting and i LOVE working with Houtan and having him as my mortgage broker is the decision i've made about my mortgage financing needs. he is a true professional and knows his industry very well. professional to an exted that i would never think twice about using anyone else ever for home loans or not referring him to anyone that brings us the work mortgage or lenders. His patience, experience and out of box thinking is amazing, if you ever need a home loan, want to talk to a loan officer or need to go to a bank for a mortgage needs, just call him, i guarantee you will not be disappointment.
Shahriyar L.
5 Star service, they are always available and provide great service! The knowledge and experience they have in real estate is tremendous , finally we found trustworthy agents with excellent customer service and they are always available to help you.
Rojer A.
Biency R.
Houtan and his team are exceptional. They were available every step of the way and answered all my questions now matter how big or small. They took away all the stress that comes with obtaining a mortgage. I never imagined buying the home of our dreams was possible. Houtan presented me with mortgage options that I never knew were available and he explained everything to me in detail. He's also very friendly and makes understanding what could be seen as complicated mortgage terms, very easy. I cannot thank Houtan and his team enough for everything they did to get us in the home of our dreams. Thank you!!!
Beatrice M.
Hoshyar H.
Houtan and his team are exceptional. They were available every step of the way and answered all my questions now matter how big or small. They took away all the stress that comes with obtaining a mortgage. I never imagined buying the home of our dreams was possible. Houtan presented me with mortgage options that I never knew were available and he explained everything to me in detail. He's also very friendly and makes understanding what could be seen as complicated mortgage terms, very easy. I cannot thank Houtan and his team enough for everything they did to get us in the home of our dreams. Thank you!!!
Beatrice M.
As a first-time home buyer, it can be very overwhelming and working with Houtan and Crestico Funding helped to curtail a lot of my concerns and ease my stress level. My loan officer Houtan was so great to work with and stayed in constant communication with me from the pre-approval to even after the closing process. He was always available to answer any and all questions via phone and email, his explanations are detailed and to the point not to mention educational, he is mortgage broker that takes pride in what he does and has the knowledge and experience to give you the right mortgage consultations, if you're looking for a mortgage, I highly recommend Houtan!
Lulu D.
Crestico really helped us out by not only help us do a refinancing, but more importantly educating us on our options. I am not a mortgage broker so I have no idea what things like no point no cost means. However, after speaking with their friendly and knowledgeable staff, I really had a good understanding about the benefits of a no point no cost mortgage. I also liked how Crestico has a high level of customer satisfaction. All of these things combined make them the leaders in the real estate industry backed by excellent service.
Kenny P.
Crestico, & specifically Houtan's team, were a huge help in helping to navigate the byzantine waters of refinancing. Prompt replies and layman's explanations made the experience far less unpleasant than it could have otherwise been.
Christopher R.
Houtan and team was able to provide a cash out refinancing loan, where Bank of America could not. If you have passive income properties that worth major $$$ and you want access to your cash, Houtan and team are the way to go. If you're tired of trying and failing, and want cash in hand as a definitive, I'd give these guys a shot.
Jackson L.
احمد ع.
So happy to have worked with Houtan Hormozian and team to fund our new home loan. He gave us great advice and worked closely with our realtor and escrow company.
Vetina S.
If you are looking for a reliable mortgage broker in Los Angeles I'd say your search is over! I've have been looking for a Loan Officer that would be able to help me and my family with refinances and purchases that we have in mind. Our financial situation is little more complicated becuase of the number of people involved in each transaction and most loan officers were not able to undrestand our finances to come up with the strategy that would help us achive our financial goals. I am very pleased with the level of professionalisim and service deliverd by Houtan and his team. He was always available to answer my questions through out the process from the begining to end. I strongly recommend contacting Houtan for a consultation.
Brian P.
Working with Houtan is a true pleasure. He is extremely helpful, knowledgeable, and responsive. I can't remember how many times I texted and emailed him at lunch and dinner hours, on weekdays and weekends. He was always happy to explain and strategize with me whenever I needed help. Unlike most realtors and lenders out there who don't want to use their brains and only do easy and mindless paperwork, Houtan has great analytical and investment insights to share with his clients. I have bought two houses through him already. Looking forward to working with Houtan more!
Rebecca S.
David M.
Houtan has been amazingly patient with me. I'm not a first-time buyer but this was my first time buying alone and it's been 4 years since my last loan. I have been extremely nervous about this process, I was referred to another mortgage lender through my real estate broker but I didn’t feel like I was being taken seriously and that was not a pleasant experience but after talking with Houtan since July and only now I completed my purchase, I feel great about it. He worked with me and was patient as I was stuck trying to make up my mind on what to do and he was extremely honest about what he thought was a good deal or not such a great deal. He was helpful even when he thought he might not end up getting my business. Houtan is 100% there for his clients and is super dependable and honest.
Rachel H.
Alaleh Babaei M.
An amazing experience with a great mortgage lender is priceless and my exprience with Houtan and his team was exactly that! I had been shopping for a good broker that could provide the lowest rate and fees for my complicated situation and that is exactly what i got here. I am very happy with my experience. I highly receommend Houtan to anyone who is looking for a good lender that provides you with an amazingly excepetional service at super low interest rates in Los Angeles.
John H
As a first time home buyer i have been hearing horrible stories from friends and family members about their dealing with Mortgage Brokers and Realtors and now i understand why they all have such bad experiences in most cases.Long story short, after hearing all their horrible stories, i started my search for a broker and Realtor online and came across CRESTICO on multiple websites such as yelp and yahoo and i decided to call and start my process, i have to say, at first i was on the fence about using a small company like this because i thought they may not have the right resources to help me accomplish my goals but now i understand it has nothing to do with the size of the company and its all about the individual who is guiding you throughout the transaction.Big companies have the name that everyone knows but at the end of the day, the person who helps you is an individual that works there that may have the knowledge that you look for, at CRESTICO, working with Houtan I learned about Real Estate and Mortgage process from the beginning which was great, now i know more about this process than i thought i would ever be able to understand.I am pleased to say I am a proud home owner with an amazing mortgage which fits my needs perfectly. I have and will continue to refer and recommend friends, family and colleagues to Hotuan for their purchase and refinancing needs.
Iman M.
Biency R.
Hoshyar H H.
I worked with Houtan on a mortgage for my primary residence. The process was as seemless as it can get, considering it was a mortgage. I believe this was thanks to good Houtan was at what he does. Even my realtor commented multiple times on how good of a deal Houtan was able to secure for me. In addition to finding a great deal on my mortgage, Houtan was able to provide invaluable advice on the nuances of the deal. I think that this advice was almost as important as the deal itself. He would look at my situation and go through different scenarios, and suggest the best way to go forward. I learned quite a few things during this process, even though I have been through it multiple times before with my investment properties. All in all, Houtan is highly recommended and is my new go-to guy when it comes to real estate financing!
Alan S.
Getting a home loan shouldn't be hard, difficult, frustrating or exhausting and i LOVE working with Houtan and having him as my mortgage broker is the decision i've made about my mortgage financing needs. he is a true professional and knows his industry very well. professional to an exted that i would never think twice about using anyone else ever for home loans or not referring him to anyone that brings us the work mortgage or lenders. His patience, experience and out of box thinking is amazing, if you ever need a home loan, want to talk to a loan officer or need to go to a bank for a mortgage needs, just call him, i guarantee you will not be disappointment.
Shahriyar L.
knowledgeable, professional and is a great resource when it comes to your real estate financing needs.We loved his service and would recommend anyone that is looking to get a home loan to Him. He is great at what he does.
Jannet R.
We worked with Houtan Hormozian for our new home purchase financing and it was a very smooth process. Houtan was totally on top of everything and made sure we were too! We both have busy work schedules and appreciated that Houtan was thorough with his follow up and making sure all the paperwork was getting done in a timely manner. His communication and organization skills are outstanding. We never felt alone in the process. I can't think of one time he was not readily available to us for any of our questions. Highly recommend!
Homan K.
It was a true pleasure working with Houtan. He really knows his stuff and made the process so easy for me. I highly recommend Crestico!
Brian M.
We had the BEST first-time home buying experience using Houtan over at Crestico Funding. Our situation was a bit challenging few loan officers at different mortgage lenders flaked after months of wasting our time and big banks didn’t even want to talk to us, but Houtan and Team were completely dedicated to each and every step of the process – always going above and beyond to communicate and work on our behalf. The professionalism, customer service and communication of this lending team and lending company are top notch. We are now happily enjoying our First Home because of the diligent efforts of Crestico Funding. We plan on using Houtan as our only mortgage broker in the future and would highly recommend him to our friends and family
Shawn S.
I am so grateful to have found Houtan and Crestico Funding! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoken to my credit union and one other bank about my home loan, which advised me I had to wait another year before they were able to fund me. I found Houtan on Yelp, and based on his great reviews, I decided to follow through with him and Crestico Funding. I spoke to him around mid-July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else! (Logix Federal Credit Union if it means anything to anyone) Although he seemed to be a mortgage broker with lots of clientele NEVER once did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Houtan is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Houtan and Crestico to anybody and everybody! I could not thank you enough Houtan! I will definitely be doing business with you again in the near future 🙂 Thank you!
Henry Requiz N.
Jason M.
Houtan and His team are great. He got me a great rate and funded my loan before my escrow closing date. A ++
Sean L.
knowledgeable, professional and is a great resource when it comes to your real estate financing needs.We loved his service and would recommend anyone that is looking to get a home loan to Him. He is great at what he does.
Jannet R.
Houtan is the MAN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!My husband and I had a pleasure of meeting Houtan back in 2017. Since that time he has secured 2 loans and 2 refinances for us. With each transaction he has never failed and makes the process smooth, stress free and so much fun!! Our conversations are full of laughs and I love that about him.Houtan and team are so well organized, thorough, professional, as well as kind which made all of the difference in our interactions. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. You stand above the rest!!!!!!!!!!!I look forward to our next transaction!Thank you Houtan and Team Houtan...you all are the businezzzzzzzz!!!!! The bomb.com!!
Airrika D.
I worked with Houtan on a mortgage for my primary residence. The process was as seemless as it can get, considering it was a mortgage. I believe this was thanks to good Houtan was at what he does. Even my realtor commented multiple times on how good of a deal Houtan was able to secure for me. In addition to finding a great deal on my mortgage, Houtan was able to provide invaluable advice on the nuances of the deal. I think that this advice was almost as important as the deal itself. He would look at my situation and go through different scenarios, and suggest the best way to go forward. I learned quite a few things during this process, even though I have been through it multiple times before with my investment properties. All in all, Houtan is highly recommended and is my new go-to guy when it comes to real estate financing!
Alan S.
Houtan and team was able to provide a cash out refinancing loan, where Bank of America could not. If you have passive income properties that worth major $$$ and you want access to your cash, Houtan and team are the way to go. If you're tired of trying and failing, and want cash in hand as a definitive, I'd give these guys a shot.
Jackson L.
Working with Houtan is a true pleasure. He is extremely helpful, knowledgeable, and responsive. I can't remember how many times I texted and emailed him at lunch and dinner hours, on weekdays and weekends. He was always happy to explain and strategize with me whenever I needed help. Unlike most realtors and lenders out there who don't want to use their brains and only do easy and mindless paperwork, Houtan has great analytical and investment insights to share with his clients. I have bought two houses through him already. Looking forward to working with Houtan more!
Rebecca S.
Everyone told me to avoid mortgage brokers because they never really have your interest at heart, but after working with Houtan over at Crestico Funding, I couldn't disagree more.. He walked me step by step through my home loan approval process and made sure to give me frequent updates as he helped navigate me through my first home purchase. Their fees were VERY competitive and offered the lowest rate I could find after calling a few direct lenders or banks directly. I really appreciate everything Houtan and his team did for me and would recommend them to anyone that asks.
Redmon W.
Working with Houtan was such a pleasure, he was extremely prompt and professional and an expert in the mortgage industry, providing solutions that helps us make better and smarter decision about our overall financial goals, definitely a gem of mortgage broker! A special thank you to Houtan for making the process run smoothly and efficiently. Thank you again Houtan for all your help!
Jasbir K.
I recently referred a client to Crestico for Real Estate and Mortgage needs, and I am so happy that I did. Not only did Mr. Hormozian and his team take care of my clients needs, but they did it in such an excellent manner that my client felt compelled to send ME a thank you note for the services provided by Crestico. Mr. Hormozian's actions made me look good and Crestico will always be my first point of referral for all Real Estate and Mortgage needs of my clients. My thanks to the entire team @crestico.
Nima M.
It was a true pleasure working with Houtan. He really knows his stuff and made the process so easy for me. I highly recommend Crestico!
Brian M.
Houtan worked to get us a loan for our first purchase. We contacted him last year to get all the necessary paperwork in for a pre-approval. Once we had that within a couple weeks, the search began. It took a few months before putting an offer in, and another month before finally getting an accepted offer.Along the way, Houtan did everything necessary to coordinate between my agents, the sellers agents, the escrow company, lawyers, etc. We only had to review and sign papers, all the messy/tedious stuff was handled by Crestico.Our house had a lot of competition from all cash investors, so part of our final offer was to close escrow as quickly as possible. Meaning Houtan had to push to get our loan approved in less than 20 days from the accepted offer. Everything necessary to get this done, he pulled off seamlessly.I can say now that we finally closed, the loan part of this experience was the easiest part. The escrow company, our agents, sellers' agents, sellers and lawyers were all less coordinated than the mortgage brokers. Going into it we assumed it would be the opposite, but their tight ship at Crestico made for an unexpected (in a positive way) experience.Thanks to Houtan and his team for getting us a loan in the least painful way.
Alex H.
If you are looking for a top-notch property manager, definitely contact CRESTICO. She and her team are extremely knowledgable and wonderful to work with. I greatly appreciated her responsiveness, transparency, property management expertise, and professionalism. I would recommend her to anyone who is renting out their property in San Francisco.
Torres L.
Bruce V.
Fariba Akhavan K.
Our team of investors used CRESTICO for one of our rental properties.Houtan and his team are the best. They keep you informed every step of the way. In this case, we had a 21 day escrow agreement and we met every single deadline on time without any issues at all. We will definitely use and recommend them to anyone needing a home loan or refinance.
Sandra S.
Houtan is a great mortgage advisor. He’s honest, competent, and very professional. He assisted my client with her first home purchase and we couldn’t be happier. I would be more than happy to refer my friends & family to Houtan for the great service we received. A++++
Jane K. L.
Houtan is the MAN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!My husband and I had a pleasure of meeting Houtan back in 2017. Since that time he has secured 2 loans and 2 refinances for us. With each transaction he has never failed and makes the process smooth, stress free and so much fun!! Our conversations are full of laughs and I love that about him.Houtan and team are so well organized, thorough, professional, as well as kind which made all of the difference in our interactions. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. You stand above the rest!!!!!!!!!!!I look forward to our next transaction!Thank you Houtan and Team Houtan...you all are the businezzzzzzzz!!!!! The bomb.com!!
Airrika D.
When looking for a Mortgage Brokers, the most important thing you should consider is how smart the actual broker is in terms of how well they know the system (financial and laws) and how well they know their numbers. Houtan is by far a genius when it comes to these two vital aspects of buying a house. You need someone who knows how to get things to work in your favor (in this very convoluted system). You need someone who you can trust with the mathematical complication of financing a house, again, in your favor. Finally, you need someone who is quick and responsive to your needs and all your questions.I was a first time Home Owner with many questions. I phone interviewed 5 different mortgage brokers, and sent in my financial paperwork to three of them. I needed someone who understood my situation realistically. Many of them were more than happy to offer all kinds of wonderful things and promise a "no problems" situation. Some of them were all doom and gloom. Houtan was very realistic with me in terms of what I can expect and afford within the limitations I had financially. He had options depending on the structure of the loan and we looked at what different down payments and programs would mean for me. Houtan knew how every factor affected the house buying process and the financial implications.Best of all, Houtan explained EVERYTHING to a T! He picked up the phone every time I called! If not, I quickly got a call back, even on the weekends and Holidays! (In escrow during Thanksgiving) I wanted someone responsive and Houtan was it! He and his assistant replied quickly to every email no matter what time it was! I really appreciated the email responses and thorough answers.Last of all.... I won't give details, but he was able to save me A LOT of money at the end of the deal. His structure savvy methods of getting us the right loan at the right interest rate was invaluable!! Needless to say, you will not go wrong should you choose Houtan Hormozian and his team! I will refer him to everyone I know! I will also use him in all of my future home financing needs! No question!
Keao T.
Houtan worked to get us a loan for our first purchase. We contacted him last year to get all the necessary paperwork in for a pre-approval. Once we had that within a couple weeks, the search began. It took a few months before putting an offer in, and another month before finally getting an accepted offer.Along the way, Houtan did everything necessary to coordinate between my agents, the sellers agents, the escrow company, lawyers, etc. We only had to review and sign papers, all the messy/tedious stuff was handled by Crestico.Our house had a lot of competition from all cash investors, so part of our final offer was to close escrow as quickly as possible. Meaning Houtan had to push to get our loan approved in less than 20 days from the accepted offer. Everything necessary to get this done, he pulled off seamlessly.I can say now that we finally closed, the loan part of this experience was the easiest part. The escrow company, our agents, sellers' agents, sellers and lawyers were all less coordinated than the mortgage brokers. Going into it we assumed it would be the opposite, but their tight ship at Crestico made for an unexpected (in a positive way) experience.Thanks to Houtan and his team for getting us a loan in the least painful way.
Alex H.
I can't fully express how satisfied I am with Houtan and the service he provided. He was professional, responsive, courteous and patient with me. He did what he said he was going to do when he said he was going to do it. He has earned my trust and my business.
Nate C.
Getting a mortgage for a home purchase should not be stressful, challenging or complicated and it wont be IF you are working with the RIGHT person, Trust me when I say that, I learned that the hard way but Houtan is the "RIGHT" person to work with! I started my home buying process February of 2017 after a bank teller behind the counter asked me if I had thought about it since her screen says I am pre-qualified for a mortgage and connected me with a mortgage banker at the branch, well that was a huge waste of my time since the "mortgage banker" took 3 months of my time by asking for document after document and more information just to come back to me and say his Underwriter Manager could not approve the loan and that was it! well I guess the pre-approval letter he had issued me was not worth the ink it was written with, after that I was connected with a direct home loan lender through a realtor that I had been working on finding a home and well I guess the only good thing coming out of the first banker was the fact that I had thousands of pages and letters of explanations ready for this direct lender to review, took him only 3 weeks to say Sorry, I guess that's better than 3 months, so I gave up on the process since 2 so called Sr. Loan Officers with years of experience in Los Angeles area had turned me down. I was introduced to Houtan Hormozian at Crestico Funding over summer time through a friend that just had purchased a home and had gotten his financing taken care of by Houtan, knowing my friend well enough to know his business is more complex than me with even a more creative CPA I decided to go through the process one more time with Houtan and I am glad I did cause now I am a Homeowner again! My initial reaction once I found out Houtan is a Mortgage Broker and not a lender or banker was little unsettling cause I've had really bad experience during the mortgage subprime boom back in the days and I walked into this situation with my guards up, Well I guess there is a reason why Houtan is who he is, True professional, ethical and man of his word, he never made me feel unformattable with his answers and always made sure I am as clear as possible about the answers provided, our initial interview was lengthy as I had to explain to him what I was told with past loan officers and for him to review the documents (took him 2 days since it was ALOT) to come back to me with possible options, he explained it wont be a walk through the park but with proper planning we could do what we need to do and surely enough with did! THANK YOU!!!
Hector C
We worked with Houtan Hormozian for our new home purchase financing and it was a very smooth process. Houtan was totally on top of everything and made sure we were too! We both have busy work schedules and appreciated that Houtan was thorough with his follow up and making sure all the paperwork was getting done in a timely manner. His communication and organization skills are outstanding. We never felt alone in the process. I can't think of one time he was not readily available to us for any of our questions. Highly recommend!
Homan K.
Lowest Mortgage Rates and Lowest Closing Cost for all kind of borrowers. We have been referring clients to Houtan for years and we have never had a complain about him or his operation.
David M.
Houtan is very reliable, trustworthy agent who will give the best mortgage service to his clients. I have gone to him for mortgage services always and will always come back to him in the future. He works very hard to meet clients' needs and go beyond other agent to explain, update, get the best rate at the right time. In summary, client will be very satisfied with his service and come back again to him.
Jeffrey B.
Usefull !!!
Bùi Đức S.
If you are looking for a knowledgeable local mortgage broker with low fees and low interest rate, look no more! I found Crestico Funding searching for a local loan officer in Los Angeles. they reply to my email in matter of minutes and help me get started, the whole process took about 35 days but i was expecting it based on my previous experience, but unlike last time, i loved the fact that my questions and concerns were answered quickly with a clear explanation!
Kash R.
David and Diana worked with us.He was very responsive and patient. Worked hard to address every little question we had, and we had a lot!
Elisa A.
Looking for a home loan sounds like a nightmare but i was lucky enough to be referred to Houtan through a friend of mine who had gotten his mortgage from Crestico Funding.As a first time home buyer i had absolutely no knowledge about the process but Houtan was nice enough to answer all my questions patiently and walked helped me get a home loan at an amazing low rate with no cost for my new home. I am a proud home owner with the help of Houtan, even after couple of months when i started receiving all these letters from the banks and city i was able to call him and get the answers to all the different questions. I highly recommend Houtan and Crestico Funding to anyone out there who is looking to get a home loan.
Shiva S.
I am a realtor. Houtan Hormozian was my buyers lender. He was always very responsive and always answered my calls, some lenders never call you backHe promised he would close in 30 days and he did.I would highly recommend him.
Lena M.
This is a first class team of extraordinary people. They truly cared to help us get our refinance. It took months of hard work and excellent communication. Houtan and Marisol are two of the hardest working and good people in the mortgage business. I would highly recommend CRESTICO and trust that them to not give up until you have your mortgage.
Natalie B.
So happy to have worked with Houtan Hormozian and team to fund our new home loan. He gave us great advice and worked closely with our realtor and escrow company.
Vetina S.
I have been in the business of real estate and finance for over 12 years now and I have never seen a loan officer perform like Mike! Mr. Koran's performance is impeccable! One thing that differentiates Mike from all the loan officers out there is that he genuinely cares about his clients! I recommend Mike to anyone who is looking to refinance or need a purchase loan! As a former loan officer and branch Manager for a financial firm if you want to have a successful close of escrow Mike is your guy! Thank you Mike!
Farhana K.
If you're looking for a smooth process and a responsive loan team, use Crestico!Houtan and Marisol are not only extremely knowledgeable about the available loan programs, but also very swift at getting the loan funded.They pushed my deal through the holidays and got the loan funded in about three weeks from start to finish.You'll be happy you chose Crestico!
Steve S.
If you're looking for a smooth process and a responsive loan team, use Crestico!Houtan and Marisol are not only extremely knowledgeable about the available loan programs, but also very swift at getting the loan funded.They pushed my deal through the holidays and got the loan funded in about three weeks from start to finish.You'll be happy you chose Crestico!
Steve S.
As a first-time home buyer, it can be very overwhelming and working with Houtan and Crestico Funding helped to curtail a lot of my concerns and ease my stress level. My loan officer Houtan was so great to work with and stayed in constant communication with me from the pre-approval to even after the closing process. He was always available to answer any and all questions via phone and email, his explanations are detailed and to the point not to mention educational, he is mortgage broker that takes pride in what he does and has the knowledge and experience to give you the right mortgage consultations, if you're looking for a mortgage, I highly recommend Houtan!
Lulu D.
I was shopping around for the best possible home loan lender or broker several months before the purchase of the property, I needed the loan to close fast after the offer was accepted, and I wanted the best rate and terms possible. I called many lenders, and was impressed with Houtan’s calm and thorough answers to all my questions, I liked the fact that he never tried to agree with me just so I could like him, his job is to educate and give me the options available and for me to pick and he did it perfectly, I had actually told Houtan that I had decided on another lender, and he was very understanding. When things did not work out with the other lender I called Houtan. We closed the loan in 25 days with a great rate, and better terms then he had quoted since market had gotten better! When I informed my Agent and Escrow that I am changing my loan officer and company and that Houtan was going to be my loan officer they both mentioned that I was in good hands to be working with Houtan, and that they had always liked working with him. During the loan process we needed to modify the purchase agreement and Houtan facilitated this with ease. Houtan is very patient, and seems to really care about her clients' interests. I recommend him with confidence.
Lyubov D.
This is a first class team of extraordinary people. They truly cared to help us get our refinance. It took months of hard work and excellent communication. Houtan and Marisol are two of the hardest working and good people in the mortgage business. I would highly recommend CRESTICO and trust that them to not give up until you have your mortgage.
Natalie B.
Cristy M.
When you are trying to get the lowest rate on your mortgage loan or if you are refinancing or purchasing a new home... Call Houtan!
He is very professional and has a lot of knowledge in this field.
I rate him 10 star!
He is very professional and has a lot of knowledge in this field.
I rate him 10 star!
Maggie J.
A friend of mine referred me to Houtan with Crestico Funding. From the moment I met with Houtan, I found him to be an extremely professional and knowledgeable mortgage broker. Houtan took a proactive approach with my file in order to prevent any problems from arising in the future, as opposed to other mortgage brokers who would wait and see if any problems would arise. I like the fact that he cared about me as an individual and I'm looking forward to work with him again in the future. I will definitely refer all my family and friends to him.
Anthony G.
I had a very good experience working with Houtan and Team. Houtan knows what he is doing. From what I heard on my closing day at the escrow office from my realtor this process was one of the smoothest and fastest he had seen in a while. So Houtan and Crestico Funding definitely know how to get it done.
Jack G.
I shopped my mortgage hard between many different mortgage broker, home lenders, banks and different loan officers here in Los Angeles, and Houtan provided the absolute best rate with the lowest down payment required. And his closing costs were among the lowest I came across. Nobody came close to beating him. He provided crystal clear docs that spelled out all the costs. And his team was always top notch at moving the process speedily along. All this made for an error-free, smooth closing. I absolutely recommend this team!
Marvin V.
I was very satisfied to work with Houtan Hormozian . He was extremely professional throughout the process of my loan refinancing . He always promptly responded to my calls and emails, and everything went smoothly . I highly recommend him
Jordy S
I was shopping around for the best possible home loan lender or broker several months before the purchase of the property, I needed the loan to close fast after the offer was accepted, and I wanted the best rate and terms possible. I called many lenders, and was impressed with Houtan’s calm and thorough answers to all my questions, I liked the fact that he never tried to agree with me just so I could like him, his job is to educate and give me the options available and for me to pick and he did it perfectly, I had actually told Houtan that I had decided on another lender, and he was very understanding. When things did not work out with the other lender I called Houtan. We closed the loan in 25 days with a great rate, and better terms then he had quoted since market had gotten better! When I informed my Agent and Escrow that I am changing my loan officer and company and that Houtan was going to be my loan officer they both mentioned that I was in good hands to be working with Houtan, and that they had always liked working with him. During the loan process we needed to modify the purchase agreement and Houtan facilitated this with ease. Houtan is very patient, and seems to really care about her clients' interests. I recommend him with confidence.
Mildreth R.
Houtan is the best when you want somebody on your side fighting for you to get you qualified for a loan and a good loan with a low-interest rate. He will go the extra mile for you when it comes to fixing something on your credit report so that it looks clean, he will fight hard and will work with any realtor when it comes to buying a house. We appreciated the hard work he did for us and he will do the same for you if you let him. I found Houtan through yelp which had nothing but good reviews about the fantastic work he had done for other people and how he was honest and trustworthy which in my book are two very good qualities to have in a person. Thank you Houtan and team for everything.
Vik G.
Houtan and his team are exceptional. They were available every step of the way and answered all my questions now matter how big or small. They took away all the stress that comes with obtaining a mortgage. I never imagined buying the home of our dreams was possible. Houtan presented me with mortgage options that I never knew were available and he explained everything to me in detail. He's also very friendly and makes understanding what could be seen as complicated mortgage terms, very easy. I cannot thank Houtan and his team enough for everything they did to get us in the home of our dreams. Thank you!!!
Beatrice M.
Best place to get a mortgage at the lowest interest rate and cost.
Jonathan I.
I was very satisfied to work with Houtan Hormozian . He was extremely professional throughout the process of my loan refinancing . He always promptly responded to my calls and emails, and everything went smoothly . I highly recommend him
Jordy S
A friend of mine referred me to Houtan with Crestico Funding. From the moment I met with Houtan, I found him to be an extremely professional and knowledgeable mortgage broker. Houtan took a proactive approach with my file in order to prevent any problems from arising in the future, as opposed to other mortgage brokers who would wait and see if any problems would arise. I like the fact that he cared about me as an individual and I'm looking forward to work with him again in the future. I will definitely refer all my family and friends to him.
Anthony G.
I recommend Houtan at Crestico Funding and this team emphatically for all your home financing needs, Houtan and his team ROCK!!! Houtan was a true blessing! These people worked to make a sensitive and emotional experience into a pleasant and enjoyable one. Their knowledge and support in all areas proved to be a great asset in working through the necessary steps to successfully walk through the process with ease. It was a pleasure and a joy to work with this team in financing my new home. Their honesty and guidance helped me to make the best decisions throughout the entire process and I am very grateful!
Elizabeth C.
My daughter the best experience with Crestico Funding. She was a first-time-home-buyer and when she approached the company looking for information, they were quick to set up a personal meeting to talk to her through the process. Houtan answered all of her questions and was prompt in sending her emails so that she was updated through the process that seemed very foreign. She valued every interaction with Crestico and Houtan as it was all positive and informative. Houtan and his team go above and beyond to make sure all questions are answered and urgent matters are attended to. She could not be happier with her recent home buying experience. I will most definitely be recommending them to friends and family for any future home endeavors.
Pete N.
Crestico, & specifically Houtan's team, were a huge help in helping to navigate the byzantine waters of refinancing. Prompt replies and layman's explanations made the experience far less unpleasant than it could have otherwise been.
Christopher R.
Houtan is very reliable, trustworthy agent who will give the best mortgage service to his clients. I have gone to him for mortgage services always and will always come back to him in the future. He works very hard to meet clients' needs and go beyond other agent to explain, update, get the best rate at the right time. In summary, client will be very satisfied with his service and come back again to him.
Jeffrey B.
I had a very good experience working with Houtan and Team. Houtan knows what he is doing. From what I heard on my closing day at the escrow office from my realtor this process was one of the smoothest and fastest he had seen in a while. So Houtan and Crestico Funding definitely know how to get it done.
Duane E. D.
Crestico was able to complete my loan in time with a great rate. I am extremely satisfied with the professional and timely service I have received. I have also referred them to many of my clients for their mortgage needs.
Shayan S.
If you are looking for a top-notch property manager, definitely contact CRESTICO. She and her team are extremely knowledgable and wonderful to work with. I greatly appreciated her responsiveness, transparency, property management expertise, and professionalism. I would recommend her to anyone who is renting out their property in San Francisco.
Torres L.
Houtan was a pleasure to work with. He was incredibly responsive to all of my questions whether via phone or email. I was so surprised how quickly he was able to answer my questions when I had them. He was also very thorough in answering them - he not only answered the "what" but the "why" and "how" (which was very important for me as a teacher!). I was referred to Houtan by a fellow teacher, and I would make the same recommendation to others as well.
Katie S.
I have been in the business of real estate and finance for over 12 years now and I have never seen a loan officer perform like Mike! Mr. Koran's performance is impeccable! One thing that differentiates Mike from all the loan officers out there is that he genuinely cares about his clients! I recommend Mike to anyone who is looking to refinance or need a purchase loan! As a former loan officer and branch Manager for a financial firm if you want to have a successful close of escrow Mike is your guy! Thank you Mike!
Farhana K.
Looking for a home loan sounds like a nightmare but i was lucky enough to be referred to Houtan through a friend of mine who had gotten his mortgage from Crestico Funding.As a first time home buyer i had absolutely no knowledge about the process but Houtan was nice enough to answer all my questions patiently and walked helped me get a home loan at an amazing low rate with no cost for my new home. I am a proud home owner with the help of Houtan, even after couple of months when i started receiving all these letters from the banks and city i was able to call him and get the answers to all the different questions. I highly recommend Houtan and Crestico Funding to anyone out there who is looking to get a home loan.
Shiva S.
If you are looking for a knowledgeable local mortgage broker with low fees and low interest rate, look no more! I found Crestico Funding searching for a local loan officer in Los Angeles. they reply to my email in matter of minutes and help me get started, the whole process took about 35 days but i was expecting it based on my previous experience, but unlike last time, i loved the fact that my questions and concerns were answered quickly with a clear explanation!
Kash R.
My daughter the best experience with Crestico Funding. She was a first-time-home-buyer and when she approached the company looking for information, they were quick to set up a personal meeting to talk to her through the process. Houtan answered all of her questions and was prompt in sending her emails so that she was updated through the process that seemed very foreign. She valued every interaction with Crestico and Houtan as it was all positive and informative. Houtan and his team go above and beyond to make sure all questions are answered and urgent matters are attended to. She could not be happier with her recent home buying experience. I will most definitely be recommending them to friends and family for any future home endeavors.
Pete N.
Crestico was able to complete my loan in time with a great rate. I am extremely satisfied with the professional and timely service I have received. I have also referred them to many of my clients for their mortgage needs.
Shayan S.
Usefull !!!
Bùi Đức S.
I was shopping around for the best possible home loan lender or broker several months before the purchase of the property, I needed the loan to close fast after the offer was accepted, and I wanted the best rate and terms possible. I called many lenders, and was impressed with Houtan’s calm and thorough answers to all my questions, I liked the fact that he never tried to agree with me just so I could like him, his job is to educate and give me the options available and for me to pick and he did it perfectly, I had actually told Houtan that I had decided on another lender, and he was very understanding. When things did not work out with the other lender I called Houtan. We closed the loan in 25 days with a great rate, and better terms then he had quoted since market had gotten better! When I informed my Agent and Escrow that I am changing my loan officer and company and that Houtan was going to be my loan officer they both mentioned that I was in good hands to be working with Houtan, and that they had always liked working with him. During the loan process we needed to modify the purchase agreement and Houtan facilitated this with ease. Houtan is very patient, and seems to really care about her clients' interests. I recommend him with confidence.
Mildreth R.
Max is the best! He and his assistant Robert went above and beyond to make sure we were pre-approved on a VERY short timeline (only a couple of days), then were able to secure our loan in time for a 21 day escrow. The whole time, they did a great job of keeping us informed and helping us understand the process. They rock! Max also helped us get our mortgage for our last house and I cannot emphasize enough how professional and hard-working he is. Thanks Max !
Josephine B.
Our team of investors used CRESTICO for one of our rental properties.Houtan and his team are the best. They keep you informed every step of the way. In this case, we had a 21 day escrow agreement and we met every single deadline on time without any issues at all. We will definitely use and recommend them to anyone needing a home loan or refinance.
Sandra S.
I can't fully express how satisfied I am with Houtan and the service he provided. He was professional, responsive, courteous and patient with me. He did what he said he was going to do when he said he was going to do it. He has earned my trust and my business.
Nate C.
I recommend Houtan at Crestico Funding and this team emphatically for all your home financing needs, Houtan and his team ROCK!!! Houtan was a true blessing! These people worked to make a sensitive and emotional experience into a pleasant and enjoyable one. Their knowledge and support in all areas proved to be a great asset in working through the necessary steps to successfully walk through the process with ease. It was a pleasure and a joy to work with this team in financing my new home. Their honesty and guidance helped me to make the best decisions throughout the entire process and I am very grateful!Sincerely, Liz
Liz
Farhad M.
Nica P.
I recently referred a client to Crestico for Real Estate and Mortgage needs, and I am so happy that I did. Not only did Mr. Hormozian and his team take care of my clients needs, but they did it in such an excellent manner that my client felt compelled to send ME a thank you note for the services provided by Crestico. Mr. Hormozian's actions made me look good and Crestico will always be my first point of referral for all Real Estate and Mortgage needs of my clients. My thanks to the entire team @crestico.
Nima M.
5 Star service, they are always available and provide great service! The knowledge and experience they have in real estate is tremendous , finally we found trustworthy agents with excellent customer service and they are always available to help you.
Rojer A.
Jason M.
Sha Z.
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CRESTICO, INC. not only gives the independent professionals the autonomy to run their own business without interference, but provides the latest cutting-edge resources and tools to help you close more deals than they otherwise would. It’s a culture of support without being overbearing. It’s a community of collaboration where professionals help each other succeed. It’s the ideal combination of resources and relationships.