"Richard was terrific in handling all aspects of our loan and refinancing over the years. He found us the best rates, handled all of the paperwork and details, and was absolutely responsive with everything we needed. We couldn't have done it without him."

Robert & Elizabeth Stellwagen, Pasadena CA

"We just closed our loan for a 30-year fixed mortgage and we decided to use Richard Martinez. Our last refinance 7 years ago was a terrible experience, so I wanted to use someone I knew and trusted, so we called up Richard after receiving an email about the rates. We were guided along effortlessly in the process and there were no surprises along the way, he was upfront and honest about all the fees and any questions we had. We feel blessed to have had such an easy loan process thanks to Richard and his team!"

Laurel Averill, La Crescenta, CA

"Terence and I just wanted to THANK YOU again for all of your hard work with our recent mortgage refinance. We are so glad this is behind us. Although we go back about 12 years to your Countrywide days with our original mortgage, it was reassuring to know that we could confidently count on you, once again, to find the best loan and walk us through the process; beginning to end.
With all of the challenges that seemed to present themselves; resolving an unknown title lien issue, the delayed appraisal report and the need for an extension, you helped us navigate through all of it. Your constant positive attitude and encouragement that all would work out, really helped us feel at ease. Richard, your professionalism, customer service and work ethic is almost unheard of these days. You went above and beyond and gladly took our calls on the weekends, obviously during your personal time. Our kids have grown up in the house and could be shopping for their own homes within the next 5-10 years. We'll be sending them to you--you better still be around! You're the greatest!!"

Terence & Kristen Gray, San Gabriel, CA

" We had the pleasure of working with Richard on a refinance for our home. Richard was always ready, willing and available to answer any questions we had. The lender was not the easiest to work with but Richard assured us that our refinance request would be completed. We are very happy with the results and the way Richard handled our loan and we would definitely recommend Richard to assist anyone with their home financing needs! "

Fernando & Myrna Tellez - South Pasadena, CA

" Hi Richard, Hope all is well, miss corresponding with you on almost daily bases. Thank you again for your professional assistance for and easy transition of getting the loan, especially due to my busy work schedule and not easily available by phone. You were always available by e-mails and followed up on messages left by phone. This was my first experience and not sure what to expect, but you made it happen. I thank you again and would more than willing to refer you. Thank you! "

Margaret Liu - Northridge, CA

"I was referred to Richard Martinez by a friend in the Banking Industry. This was a few years ago. I came back to Richard recently when I decided to refinance. The second time around was even easier then the first time! Richard was very proactive in handling my loan and making sure I provided the necessary documentation for the Escrow Officer. I will definitely recommend Richard Martinez and Arbor Financial Group to friends, family and co-workers. Thank you again Richard for a job well done! "

Gloria Anguiano - Pasadena, CA

"Dear Richard, Thank you very much for everything you have done for me. That was such an experience for me. Thanks to you, I went through this process and got a great rate. It was very much a pleasure to work with you. Thank you.!"

Dr. M. Yoshida - Pasadena, CA

"I am pleased to recommend our Mortgage Broker, Richard Martinez, for excellence in service. My wife Valerie and I have had a client/Broker relationship with Richard for eight years now. He has always been very responsive to any concerns we may have had, and has taken the time to patiently answer any questions , helping us to make sense of the many requirements for successfully obtaining mortgage financing"

Daniel C Pulido - San Diego, CA

"We have known Richard Martinez for 13 years; and have worked with him on numerous home loan transactions. Richard is knowledgeable and keeps current in the lending industry. Richard is extremely responsive; he has always made himself available to me and answers my many questions. He is hard working, reliable; and provides beneficial advise whenever needed. We have referred numerous friends and family members to Richard for guidance; and to have a good experience in all phases of the home loan process. Richard is always successful in meeting our family's needs; and highly recommend him for any of your home loan needs."

Mercy Agoncillo - Castaic, CA

"Richard has been fantastic and has helped me through the purchase of 2 homes and 2 re-finances. He is professional, personable and incredibly easy to work with, aiding me along each step of the way. I highly recommend Richard, he made the stress of home-buying a little less stressful."

Beth McPhee - Santa Monica, CA