Industry Experts

Customer service doesn’t get any better!
-Frank Ultimo, Team Ultimo, Corona del Mar, CA (August 2014)
Nick from JMJ Financial was fantastic! The communication during the process of the escrow was frequent and timely. I always felt that Nick had a great command of how to quickly and effectively facilitate the loan. I would highly recommend him.
-Jeff Lawson, Keller Williams, Mission Viejo, CA (April 2014)
When you work with Nick you always know that he will be available anytime you need him. He is very responsive and works all the odd hours we Realtors work. He and his staff always keep you up to date during the transaction and they have great follow-up.
-Tracy Wilson, Torelli Realty, Costa Mesa, CA (April 2014)
I’ve done several loans with Nick as my loan officer, representing a lot of my buyers on different types of transactions. I am very pleased with his professionalism and knowledge, and his prompt response to all my buyers’ needs, closing on time and making the sale smooth as possible and very understandable for them.
-Sonia Moncayo, Property Works Inc., Long Beach, CA (January 2014)
Nick was very helpful and hands on during the loan process. He saved the day and took what seemed to be an impossible escrow, where the buyer was going to lose their deposit and got it closed in record time. He is very knowledgeable and understands how to get the loan processed quickly and efficiently.
-Brian Bogs, The Jody Clegg Team, Huntington Beach, CA (September 2013)
Nick is very professional on his job. If you need a very good loan officer, Nick is the one for you.
-Lieu Nguyen, Superior Real Estate, Fountain Valley, CA
(Sept. 2013)

JMJ Financial is a breeze to work with. Outstanding start to finish. Working with Nick has made my life easier and my clients happy! He is helpful, informative and a true pleasure to work with.
-Melissa Petersen, PCA Realty, Seal Beach, CA (July 2013)
Great with answering questions in detail. Responds promptly to all inquiries. Explains the process step by step and helps clients feel at ease.
-Deanna Goodwin Mouser, Keller Williams, Burbank, CA (July 2013)
Thank you for doing such a great job and closing this loan on time. As a listing agent for this property, I was very impressed by how you handled the buyer’s loan and offer from day one. It definitely put them on top of the list in the multiple offers. You came through with everything you said and we appreciate that. I will keep your contact information.

Nick was very quick in responding to all the emails.  He made an effort to call the listing agent on behalf of his buyers to assure their ability to get the loan. He performed through the whole transaction and delivered everything on time. I would love to work with him again.

-Sally Radi, Prudential, Corona, CA (April 2013)

Nick was great to work with. He kept my client and me informed throughout the whole process and followed through with everything.
-Lance Barker, RE/MAX, Huntington Beach, CA (March 2013)
I really wanted to thank you so much for the amazing effort and attention to detail you gave to my clients in getting them their first home. We were basically dead in the water with the lender they were previously using. We ran into an appraisal problem which is fairly common in our current market. The lender we were using may no effort to do what was needed to get the appraisal corrected.

Once you took over the deal we had a new appraisal done within days and loan docs within 2 weeks. You made the listing agent happy and she hung in there with us and most of all my buyers got their new home and I got a closed sale!

Having been in the Real Estate business for 10 years now I was really impressed and will now refer Nick at JMJ any chance I get!

-George Lambert, Huntington Beach Realty, Huntington Beach, CA

Nick’s prompt communications has served its purpose every time!
-Jeannette LePont, Coldwell Banker, Huntington Beach, CA (Feb. 2013)
I recently was involved in a transaction in which Nick Alvino was the loan officer. I was very concerned because we had a short time period to close this property. He did a fabulous job, we closed in about 2 weeks. He was incredibly proactive and communicative in all phases of the loan processing. I could not have been happier. This was the first time I used Nick and I look forward to working with him in the future.
-Steven J. Uldall, California Freedom Real Estate, Fullerton, CA
In a world where most over-promise and under-deliver, JMJ Financial is the exception. After being in escrow for almost 90 days and three families’ lives hanging in limbo, we received the news that one of the buyer’s loans was denied. JMJ Financial stepped in and picked up the loan package on a Thursday, had loan approval Friday afternoon, and we funded and recorded by the following Friday. Need I say AMAZING! They made a promise and they followed through. On behalf of my seller and myself, we thank you from the bottom of our hearts!!!
-Tracy Wilson, Torelli Realty, Costa Mesa, CA
JMJ Financial is a critical partner to my business, when JMJ tells me they can do it, they get it done and they get it done quickly. Loans can be very complicated in todays marketplace and JMJ Financial frequently delivers where others cannot.
-Sean Stanfield, Realtor, Orange County, CA
When everyone else fails – JMJ financial gets it done! We rely on them as an integral part of our business and as they operate with professionalism and expediency not typically found in the mortgage business. Whether it is via excellent communication, amazing turn times, or simply doing the best job possible for the consumer. JMJ is a real partner helping us succeed.
-Adam Brett, North Orange County, CA
I have worked in the escrow business for over 15 years now and in my experience it is refreshing when you get to work with someone like Nick Alvino. I’ve known and worked with Nick Alvino for 10 + years and I just love working with a team player. When working with Nick you always feel like you have a teammate working WITH you to help get the escrow done accurately and on time.
-Faith H., Escrow Officer, Newport Beach, CA


This was my second time using Nick. I thought the first time was easy but the second time was even more seamless! The communication process was wonderful and everyone involved was so friendly and helpful!
-Michelle S., Homeowner, Costa Mesa, CA (October 2016)
Nick was so patient, understanding and took time to reply to every question we had. He put our minds at ease more than 2 times making the process of buying a new home much easier. Thank you so much Nick!
-Elsa B., Homeowner, Rancho Santa Margarita, CA (October 2016)
I love Nick and his great financing services! No matter what time or what day of the week my questions and concerns will be addressed.
-Ann T., Homeowner, Anaheim, CA (June 2015)
I love Nick and his great financing services! No matter what time or what day of the week my questions and concerns will be addressed.
-Ann T., Homeowner, Anaheim, CA (June 2015)
I love Nick and his great financing services! No matter what time or what day of the week my questions and concerns will be addressed.
-Ann T., Homeowner, Anaheim, CA (June 2015)
I’ve dealt with other mortgage brokers and Nick stands out in his industry. He is a true pro and I will recommend him to family and friends – I have already referred JMJ to 5 people!
-Terrison Q., Homeowner, Costa Mesa, CA (May 2015)
This is my second time using JMJ Financial, and no surprise, Nick and staff handled the process professionally and effectively. Kudos!
– Wondu W., Homeowner, Aliso Viejo, CA (March 2015)
Nick and his entire team were great – knowledgeable, responsive and caring. I didn’t feel like just another loan, the personal touch was much appreciated and has been shared with friends and family.
– Tracy B., Homeowner, Lakewood, CA (December 2014)
Nick did a great job answering questions and being available whenever I needed him. His due diligence and attention to detail made dealing with a very difficult seller bearable.
-Joshua P., Homeowner, Trabuco Canyon, CA (April 2014)
It was a great and pleasant experience to work with Nick and JMJ Financial to process my mortgage. They were very professional and provided quick, informative responses to all inquiries and concerns regarding the loan. Would work with them in the future if the need comes up.
-Ann T., Homeowner, Anaheim, CA (February 2014)
Nick was great to work with. He understood our needs and worked diligently to meet them. It was incredible what he was able to do for us in 10 days, when other financial institutions could not accomplish the same feat in 6 weeks.
-Frank D., Homeowner, Huntington Beach, CA (September 2013)
You’re doing a great job. Keep up the good work. Enjoyed working with Nick and staff.
– Wondu W., Homeowner, Aliso Viejo, CA (August 2013)
Nick Alvino worked with us throughout the entire process of our home mortgage refi. He was especially helpful in the final phases of the process, where accurate information and timing were both very important. I trust Nick completely and would use him again in a heartbeat for a first loan or refi.
– Stan J., Homeowner, Huntington Beach, CA (June 2013)
All went perfectly, appreciate the effort. Thanks again. We look forward to the next few deals.
-Tim V., Homeowner, Huntington Beach, CA (May 2013)
Nick made the loan process as smooth as possible for both my original home loan and my re-finance. He was very proactive and was even the one to reach out to me when rates had dropped enough to make a re-fi worthwhile. I would definitely recommend him.
-Carl G., Homeowner, Huntington Beach, CA (April 2013)
Thanks for closing the loan on time. Smooth process from start to finish. Very professional staff to help with the process.
-Chris G., Homeowner, Long Beach, CA (April 2013)
Nick did an awesome job of finding a loan that made sense for me and got me out of my FHA loan. I had some previous credit issues with a past deed in lieu, but Nick and his team were able to quickly help resolve the issues at hand and work around them. I will definitely send everybody Nick’s way and use him for my future home loan needs.
-Joshua M., Homeowner, Costa Mesa, CA (April 2013)
We’re in good hands!

I know I’ve said this multiple times, but Karin and I truly appreciate the work you and Nick are doing to bring this to completion. As we were signing the loan docs on Friday, it reminded us just how detailed and regulated your business is. It takes someone with extraordinary skills and patience to work in your business.

And you can take tremendous satisfaction in the work you do. You aren’t just crunching numbers. You are helping families and couples like us to create financial margins in their lives that will help them be more productive and proactive, whether they are saving for retirement or contributing to important causes.

So again, thanks from the bottom of our hearts. Nobody has ever worked so hard for us.

-Stan, Homeowner, Huntington Beach, CA (April 2013)

Nick is a great communicator and went out of his way to get my loan closed.
-John L., Howeowner, Long Beach, CA (February 2013)
Nick was great! He worked hard and quickly to help us refi our house and buy a second property at the same time. He responded to all questions promptly. He is very friendly, polite and clear to talk to. An all-around excellent experience!
-Vince and Theresa D., Homeowners, Laguna Beach, CA
Nick was informative, friendly and did whatever he could to explain things in layman’s terms. He was a pleasure to work with.
-Michelle S., Homeowner, Costa Mesa, CA
Nick was integritous and courteous. He worked diligently to get us the best loan/rate for our needs. Exemplary follow through in calls and emails. We’d recommend Nick without exception as one of the best mortgage brokers we’ve had with 12 homes and refinances over 37 years!
-Vince and Mikki, Homeowners, Irvine, CA
Nick will go out of his way to deliver needed papers to your home or answer questions on a weekend. His cell # is very reliable. You can trust him.
-Flo B., Homeowner, Long Beach, CA
Thanks for helping me get into the house of my dreams.
-Felipe Z., Homeowner, Yorba Linda, CA
It was a pleasure working with you Nick. Whether phone, fax, email or text, nothing escaped your rapid attention and response.
-Kerry P., Homeowner, Huntington Beach, CA