RiteWay Mortgages

We just completed our refinance with Lynn & Gladys. They both were AWESOME to work with and we have nothing but great things to say about this company. Any questions or concerns that we had were answered promptly and everything turned out exactly the way that was promised. We appreciate all of their hard work and would recommend anyone to try them out. THANK YOU, THANK YOU, THANK YOU!

RiteWay Mortgages has competitive rates, and they hold your hand throughout the financing process. We did not have the benefit of having them for our original home loan but they were referred to my husband, and since then we have refinanced with them twice and we would recommend then to anyone looking for a home loan/​refi! Our loan officer was flexible, knowledgable, patient, and helped us find the most cost effective loans for us and always kept us informed with what to expect and how to keep everything going as smooth as possible. She works hard, and the people in her office work together and support every client as needed. Wouldn’t go anywhere else.

Thank you all the help from Amir Hosseini. I got the best rate in town and a very smooth process. 5 star services and quick approval process.

I’ve refinanced twice with RiteWay Mortgages and I’m very happy with their service, especially in my interactions with Lynn Skriloff. She made sure I got the best rate AND the best lender credit, meaning I didn’t have to pay out of pocket for closing costs. From start to finish, it took less than a month to close. Can’t say enough good things about Lynn.

All I have to say WOW! Lynn at Riteway Mortgage was AMAZING. Super friendly really nice and just blew me away. I was skeptical at first but then after getting quotes for APR I was in shock on how low it was. Lynn guided me through the process and I was ready to refinance after two years of owning my house. Gladys was my Loan Officer and she was very helpful in guiding me to get all my documents needed to close. I switched from a 30 yr to 15 yr and just super excited. Cannot say but good things about Riteway Mortgage. Be Sure to ask for Lynn. Great Company, Great Rates and just a Great Experience.

I found Riteway on Zillow, contacted them, and worked with Nikki Oberg to get my mortgage funded for a Sacramento, CA purchase. I was on a time crunch and Nikki fully understood my situation and helped me close in 15 days! This was my first house mortgage but I think 15 days is lightning fast in mortgage world and I still cant believe I made it and neither does my real-​estate agent.
Nikki is pretty responsive and the trick is to send her what she wants instantly so she keeps working on your file. She will keep the ball rolling. Overall, I had a positive experience and would definitely contact the same officer if I wanted to do it all over again.

I search Zillow Mortgage Rate and RiteWay is one of the best rates. I went ahead to lock the rate and eventually closed the loan refinance successfully. It took longer and more effort than I used to have in previous refinances, probably because the tighter regulation. However, the rate is good and the service is fine and thus I give this 4-​star rating.

I would strongly recommend that you do NOT do business with Riteway Mortgages and Manhattan Financial Group. Riteway Mortgages is a subsidiary of Manhattan Financial Group (MFG) the lender. Both companies are located at 13 915 Danielson Street, Site. 101, Poway, Ca 92 064.
I have refinanced many times over the years and have never experienced what I went through with these companies. The process to get into escrow was lengthy and not the norm for a refinance process. We finally signed documents and funded the escrow on June 13, 2013. But things just went from bad to worse as we waited for MFG to close escrow. After two weeks and questioning our broker at Ritweay Mortgage I received the below email from Amy DeLue saying our loan was in queue and would be funded after their new purchase loans were funded. I’ve never heard of such a response, nor have other loan brokers that I contacted.

«Hi Jim,
I met with my Operations Manager this morning and she confirmed that we do not have a firm funding date for your loan as of yet. Rest assured, your loan will be funded. However, with the sudden volatility in the overall market over the last few weeks, loans are having to be warehoused a little differently, thereby causing the delay. (For example, funding of purchases are being given priority.)
Please know that if you would prefer to cancel the loan, we will gladly reimburse you for any costs incurred. (Appraisal). If you would like to proceed with the loan, we will keep the file open and I will keep you updated on its progress, and let you know if/​when you should make another mortgage payment to your current lender.
If you have any questions, please do not hesitate to call.
Thanks,
Amy DeLue»
This type of communication went on until August 2, 2013 after being in escrow for over a month. I was told by MF G that their Quality Control department could not approve my loan as they determined there would not be enough benefit for me to refinance at the 2.5% 15 year loan. I disagreed with the analysis and asked why this analysis was not done upfront before putting me through the process and into escrow. No response to this question.
The one positive is that I asked for some compensation and MFG did pay me $ 200.00 for the inconvenience.
Bottom line this is no way to run a business and I can see from other Unilocal reviews that others have experienced the same treatment. I did file an initial complaint on both companies, but the process is long and tedious and I felt that providing a review on Unilocal would be the best way to get this message out.

I been wanting to refinance but I did not know much about the process. My first refinance two years ago through a big bank was a disaster although we verified that we met all of the requirements. I tried 2 other well-​known online lenders and was told we can’t help you.
I called Riteway Mortgages who I found from an online advertisement and I explained my situation to Beth (The Loan Officer) who was extremely helpful in explaining to me everything in detail and was willing to answer all of my questions at any time. She was available through email, phone and cell phone at all times even on the weekends if I had a question.
She has the professionalism it takes to be a loan officer and kept me informed each step of the way. They got me a great rate and made it extremely pleasant to deal with her and the company Riteway Mortgages by offering the personalized attention and care they earned my business and I highly recommend them to all my friends for their very competitive rates, outstanding service and fast closing. I found several good recommendations on this company online and I do agree they are a good company.

I just completed the purchases of my first home with RiteWay as the Lender.
I have to admit I was skeptical due to a couple negative reviews on here. I spoke with many Loan Officers and priced out many lenders. Elise struck me as the most experienced and they had the lowest fees and rates so I decided to take the chance. I’m so glad I did.
Before I started looking for a home I sent everything to RiteWay to get preapproved for a loan so I knew what I could afford to buy. I had never done this before and definitely needed some guidance regarding the process.
I ended up having to put multiple offers in to different homes before I found my dream home. When my offer was finally accepted, we had less than 30 days to get the loan funded. I found that RiteWay was quick, professional and had great communication throughout the entire process. In fact, they had the loan documents at the escrow company 12 days before the purchase contract said the transaction had to close. 3 days after signing RiteWay informed me the loan was ready to fund. My realtor was in direct contact with RiteWay and too felt they were very professional. My realtor even asked if the seller wanted to move earlier than the scheduled date. They didn’t, but I’m sure knowing everything was done and ready to go was as big of a relief for them as it was for me.
I’ve already referred friends to RiteWay. I think I have a great rate, but if I ever need to refinance I will definitely be calling them back.

Ritway was a very professional company until they had to deliver what they promised.
I locked in a rate and after signing documents with a notary public, twice, and dozens of emails, they never delivered what they promised. After months of waiting for them to close the loan, they never did so I watched rates go back up.

I used RiteWay a couple of years ago and back then I wrote a glowing review of my refinance experience. Sadly, my subsequent experience this summer on a new home loan wasn’t quite as steller: they were slow, pedantic, bureaucratic, and unpredictable. They seemed to wait until the last minute to do a number of things (such as verification of employment) and had an unusually complicated process at the end that added days to our closing process and put us in jeopardy of losing the house here in the fast-​moving San Francisco market. While I understand lenders’ need to do due diligence to avoid the mistakes of the previous decade’s housing bubble, that’s no excuse for the level of bureaucracy it seems RiteWay insists on imposing. Sorry, can’t recommend.

Most people dread refinancing their mortgage because the process is cumbersome and tedious. However, my most recent refinance handled by Robert Callas at Rite Way Mortgages was painless and smooth. He was very accommodating and always on top of things. Also very reasonable to deal with when it came to locking in a rate and negotiating the fees. Everything panned out the way they promised and answered all of my questions. I’ve already referred a few of my friends to Robert as I know he will take good care of them.

Also known as Manhattan Financial Group in San Diego.
Warning — DO NOT USE THIS COMPANY!!!
I have seriously never had such a bad experience with a mortgage broker, and I have purchased and refinanced about 10 different homes.
These people are the most unprofessional, non-​courteous, slowest, inconsiderate, incompetent I have ever met. You risk LOSING YOUR HOME if you use these people — they will cause you WEEKS OF DELAY and TONS of extra costs. For example, the day AFTER we funded they suddenly emailed my husband, without cc’ing me (my husband was out of pocket for 10 hours so we lost ANOTHER day over that one), that they needed a child support statement, even though we had told them about 10 times we did not have one — this one thing led to us NOT RECORDING for ANOTHER WHOLE WEEK, which means we paid double interest during that time. There were SO MANY other examples of idiocy and incompetence that involved them being completely stuck and unable to move forward because of weird underwriting policies their company used that the escrow company had never heard of and had an impasse over. I am not kidding I could write a book about the stupidity, rudeness and incompetence of these people they make me so sick, but just thinking about them practically makes me nauseous. There were so many days where the mortgage broker would not answer his phone at all and would not return my calls, then would call me back a few days later telling me we were delayed because of another new condition. When I would email the loan officer for help because he was out of pocket I would get a nasty note back in a condescending tone telling me I should be going through him. Every day the mortgage broker wouldn’t even show up to work until 11am, and by the time they told us the new condition for that day it would be 4:30pm and no one would respond to it, so we would lose ANOTHER day. It took us EIGHT WEEKS to refinance a $ 165k loan AFTER they already had ALL our information such as tax returns, bank statements and paystubs. I lost so much sleep and was in a constant state of anxious turmoil the entire time I dealt with these people. Please take my advice. DO NOT USE THIS COMPANY. These people need to be put out of business. I CANNOT POSSIBLY SAY IT IN MORE PLEADING IMPLORING LANGUAGE that this is THE WORST company you will ever deal with and I only hope I save one person from having to go through what I did.

I found this company online through
. Seems great at first with the pre-​approval process but it stops there. The whole underwriting process was painful. They asked for unnecessary documents and statements which do not change the outcome of the loan. Therefore, the closing process took longer than it needed to be. Also, they taut themselves as a direct lender but that’s not the way they operate. They find an investor (like GMAC) to fund the loan which adds more layer to the process and people involved. Also, there were too many people handling the file. They weren’t in sync and disconnected.

Be careful who you work with. …
This company promises and no delivery. I was told by David Lamp and Joe Restivo that it would be a peace of cake to get my loan — high score 780 and substantial income, so I decided to give them a try and did not use my bank — B of A.
They could not deliver and wasted 3 months of my time — they never called back when they could not close, although they had approved it. Dave refused to take my calls. So, I ended up getting my load from B of A.
Joe promised again that will give me my appraisal fee back ($ 665) which I had to pay twice. But it was all lies, because after 4 months and 10 emails following up on it, he never replied or bothered with it… another lies and promise.
So, be careful who you work with.

I want to thank Joseph Restivo and Rite Way Mortgages for giving me the lowest rate and by far the best deal out there. Joseph kept his promise even though other brokers that I was working with told me there was no way he could give me this kind of deal. Joseph told me to trust him and I did. All I can say is now only did he deliver but his insight and his service is far superior than anyone else. I would highly recommend going with Joseph and Rite Way. Thanks To Franswa also.

There are many incompotent empoyee working at this Firm. They promised low rates but cannot materilize the deal. You will be kept in a delay process that goes nowhere. Will never deal with them again ever in the future, and WARNINGS to all of you seeking for loans through this firm.

This company is one of the most unethical, unresponsive group of individuals I have ever come into contact with. I only wish I had been on Unilocal to see the reviews before I ever made the mistake of getting involved with these morons. This group of mortgage ‘professionals’ from top to bottom, are the farthest thing from professional you could ever imagine. When confronted about why they did not lock a rate when directed to do so, the broker I was working with Kevin C. responded, «the rates changed from the time you told me to do it, to when I actually got around to it. So I didn’t lock it at all.» Huh? Wouldn’t one expect to be informed that their rate was not locked? Apparently not if you are a http://ritewaymortgage… customer! As far as communication, forget about it. Great in the beginning and then they disappear like Houdini. Honestly, if you are even thinking about using this company, save yourself the hassle and go somewhere else. They will promise you the lowest fees, the lowest rates and tell you that no one can even match what they do, however, it is all lies and deception. It is not until you have dealt with them and been burned that can you even understand how bad this company really is.
The owners of this company came up with every excuse why they couldn’t complete a mortgage for someone with a 750+ credit score, only because they were lazy and didn’t want to put in the time and effort to make it happen. I got my mortgage done in less than 2 weeks with another company in the San Diego area at less than 5% interest for a 30 yr fixed and under $ 5k in total cost. Shop around and find this company, should be easy to recognize. (not listed here because this is not a sales pitch, just an honest review)

I have an investment property with a great deal of equity and perfect credit rating. During this recession it is next to impossible to get financing for anyone, especially an investment property. I had worked through other brokers and with other companies that did very little work and therefore very little results. Therefore I heard so many excellent comments about Joseph Restivo with Riteway Mortgages from numerious friends. I thought I would try him and this company. I thought all companies would be the same (from my previous negative experiences). WOW WAS I WRONG. Joseph got to work like my mortgage was the most important project in his work life. Constant contact, aggressive daily work, many response emails and so much communication I was purely amazed. I had a tough refi because I am self employed and lenders do not want to loan during the recession on investment properties. This gentleman did so much work for me and for such a long time because he and his company are amazing. I hate to say this but I wanted to pay him more than his asking price. Well I got positive and very honest results from him and I thought I could beat his price even though it looked inexpensive. I took the same paperwork I gave him to other brokers (3 or 4) and found out Joseph Restivo to be almost 50% less than each of the other brokers. He worked hard on my deal, was more than honest and his prices and service are more than fantastic. I called him back and said that I believe your rates are the best because I found out myself. In fact when i called I said your rates are almost half of all these other brokers and I think for the amount of work you do and the fantastic service (he always returned by calls quickly) that you are charging much less than anyone else. I hate to say it but I had to tell him he should be charge me more and espeically for the wonderful, HONEST, service he provides (he did not charge me more). I am a tough long time businessman and I can’t say enough good things about Joseph Restive, his low prices (he did not and said he would not ever raise his low prices) and his company. Take my advice, use the best (Joseph), the best company with the greatest service. I vote him and his company 5 stars.