Omni-Fund

A few months ago I decided to look into refinancing our home. A friend referred me to David Tominaga. I was a little skeptical as I like to deal with people I know. I was also worried that the rates may increase in December. I initially spoke with David Tominaga, and he reassured me that we would be able to refinance our home. David insisted on meeting me when I offered to email and fax him our information. Who does that anymore? No one cares to meet with people anymore. He continued to be very genuine and honest during our entire process. He even knew more about my loan than I did! Not only did he get us an awesome rate at closing, we walked away with a big surprise!!! I highly recommend David for any of your loan needs. To go anywhere else would be a disservice. He is the BEST in the business!

David is the best at Omni fund he helped me buy my first home back in July 2015, He has been helping me and my husband since 2014. He is always on top of things, returns your calls with in minutes and is always available. He is the most professional and helpful person you can find. All the bad reviews about David are lies for sure cause it doesnt even sound like him. David returns your calls so the person that says other wise is crazy! I recommend David to everyone, he goes below his work to help you and guide you to buy your home. David 5 starts for you!!! Your awesome

These guys care. They have integrity and know what they are doing. In a business that is not always easy to say the least… they get it done!

I wanted to let some one know that there are still people in the world with honesty and integrity. After being ran around by some unfavorable lenders I ran across Omni Fund. Once I landed in their hands I really began to feel that I can make the purchase that I needed for my family home. They make you feel they are working with you and not just another number. They explained all the fees and the services that they provide. there were no hidden costs and no surprises when my loan funded. I wish there was an Omni in all of us.

I recently purchased my first home. It was a very stressful, horrible, drawn out, mind boggling experience. It was impossible to find a decent house in the market I was looking at. Then real estate agents wouldnt even respond to my offers (that were at or above asking price.) Finally, a house popped on the market and I put my offer in on a Tuesday, Nov 11^th. It was accepted on a Friday. The process had begun. The tricky thing was it was a shortsale. And by no means was it short. It took forever. I got my keys on the 2^nd of April. Almost 5 full months of waiting.
The entire time I dealt with JK (Jitendera K. Kandola). He was professional and accessible. I spoke to him either by email or by phone on a weekly basis. I made sure to give him all the paper work he requested the same day. He wanted to make sure my packet was up to date and that if I was going to close, all the paperwork was there. That means every week submitting new paycheck stubs, new account statements every month, etc etc. It was quite a bit to stay on top of everything. Over the course of those 5 months, we exchanged 119 emails. And a call every Friday or Monday to make sure everything was up to date.
He would answer all my questions. Being a Philosophy and Economics person, I had quite a few. Not only would I recommend him, he is the only person I would recommend to handle my mortgage needs. I got the absolute best market rate on my 30yr fixed loan. He dealt with me for 5 months and was always professional, approachable, accessible, and understanding. Dealing with OmniFund was the easiest part of buying a home. JK and OmniFund get 5+ stars from me.

David Tominaga is great. He always returned our calls and stayed on top of everything. He kept us informed and updated. As most people know who have brought a house knows that the deal isn’t closed until you sign the closing docs. So for people who wrote negative reviews should know that. Never rely on another deal closing until those closing docs are signed. David was great and yes we would use him again and recommend him. He is one of the best. Thank you David for helping us buy our home.

Shame on you David Tominaga! On 10÷11÷14 Mortgage Banker David provided a pre-​approval for a potential buyer that stated «This not only provides an extra level of assurance that any transaction will be completed but also contributes to a quick closing as the gathering and verification of most of the documentation has already been completed». What a joke! My sellers excepted the offer based on this pre-​approval letter. Throughout the next few weeks David failed to respond to my emails. 30 days into the escrow David completely stopped communicating. On 11÷18÷14 I find out from the buyer’s agent that the buyer cannot qualify to get a loan. Escrow cancelled & David has never even called me to tell me what happened or to apologize. He has messed up so many peoples lives!!! Everyone involved is losing money. So sad! My sellers are in escrow to buy a replacement home and those sellers are in escrow to buy a replacement home. Everything is a mess because of poor business practice by David Tominaga. Shame on you David!!! Attached is the pre-​approval letter he provided to me. It’s not worth the paper it’s written on!!! Beware!

MITCHELL MCGREGOR — WITHOUT A DOUBT, A MIRACLE WORKER
I thought I’d never write a review, but I simply have to pass this along. Prior to meeting Mitch, I was heading toward financial disaster. My credit score was too low to get re-​financed, but I had enough equity in my home and always paid on time. I was at my limits after having been suddenly given custody of my niece. Mitch not only did what the radio mortgage guru could not, he got me in a conventional loan, stuck by me for 6 months, and always treated me with the same enthusiasm, dignity and respect that he started with. I was able to eliminate my FHA mortgage insurance. I was able to take money out, and now my credit score is off the charts. I will always recommend Mr. McGregor and will always be indebted to him for his perseverance. We did it Mitch. Thank you, so very much. You are the real deal, not the so-​called experts who tell radio listeners what’s best for them. They couldn’t do anything for me. but you did. Thank you. You can’t go wrong with Mitch. He will find you a way. Everyone told me it wasn’t possible… but him. And though it took 5 months because we I had some student loan maneuvering, he never gave up on me. He won’t give up on you either. I will always use him.

BEWARE… Awful experience with Omni Fund agent, Raymond Ferrell, regularly promising loan approval results. An 11% loan approval is what Raymond Ferrell offered, NOT a tenable outcome. Current rates, historically low, so, why Raymond Ferrell was not forthcoming from day one leads one to believe he/​company will say anything to a client on the half chance they can corner you into an untenable outcome. Make no mistake, these people are not interested in doing you right. NEVER did I think that Raymond Ferrell’s promises of loan approval meant a predatory loan approval rate, which anyone could get! Contacting Raymond Ferrell’s manager/​owner Raj Kandola, resulted in nothing positive. This company, their agents, will promise you loan approval, however, don’t be surprised when the so-​called approval is an 11% loan, or worse? Expect the worst. Consumers BEWARE. …

I worked with JK Kandola at Omni-​Fund to refinance my home. He got me a great interest rate – better than anyone else could do. JK was professional and knowledgeable and provided me with several choices – explaining all the pros and cons and details. JK is great to work with and I would contact him again to help me with my financial matters.

The best Mortgage Broker for anyone looking at doing a Home Loan. He is extremly intuitive and works great with my Real Estate Agents! Omni Fund Inc is the most professional home loan mortgage broker in the mortgage industry.