Great experience, happy customer
I'm glad that I chose Cal Loans. Their customer service is superb. They explained everything to me in all honesty.
By joyce B.
Saturday, November 7, 2026 · Customer reviews of US businesses

The Fair Hearing score
Excellent
77 reviews
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Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Welcome to the official site of Cal Loans Direct
Cal Loans Direct, Inc. (cal-loansdirect.com) has 77 customer reviews on The Fair Hearing, with an average rating of 5.0 out of 5.
77 approved reviews, newest moderated first
I'm glad that I chose Cal Loans. Their customer service is superb. They explained everything to me in all honesty.
By joyce B.
Thomas and Cal Loans Direct are always a pleasure to work with. Super responsive and make the whole process a breeze.
By Joel C.
Tom did a great job in my refinance. He always answers my questions promptly. He gave me a competitive rate in my closing cost and interest. This is my second time that I used his service. I will definitely recommend him to my friends and family.
By DP M.
Tom was always helpful and answered all my questions. Not only is he knowledgable, but he responds very quickly. This whole process was seamless.
By S.H.
Response from Cal Loans Direct, Inc.· Jul 21, 2020
Thank you for the review! :)
Great experience overall. Fast and helpful service
By Edward B.
Tom is an excellent loan officer. He's been helping me couple times in the past and this time. He's doing a great job, as always. I'll refer him to family and friends and will definitely come back to him if anything needed in refinance in the future. Thank you Tom.
By Lynn
Smooth, great experience with Tom. He answered all my questions, was easy to talk to, and made the refinance simple. Kept me informed of what was going on throughout the process. Would highly recommend!
By Ryan
Response from Cal Loans Direct, Inc.· Jul 7, 2020
Thanks Ryan!
This was my second refi with Tom Navarro and the experience both times was excellent. It was a VA loan as well so there are a lot of extra forms and we had no issues. A+
By Aaron F.
Response from Cal Loans Direct, Inc.· Jul 7, 2020
Thanks for the review Aaron! Great working with you again.