Find the Right Mortgage Option For You

I wanted to take a moment to tell you that you have such an amazing team of people working at PGS Home Loans and I feel incredibly fortunate to have had Taylor help me through the mortgage process. Although I've purchased a home before- it was a long time ago and I've never done it on my own before, so I was particularly anxious and in need of guidance. In addition to securing my loan at a low rate, Taylor has gone above and beyond and is always willing to jump on a call to answer questions, to advise on concerns that came up along the way. It's been a true pleasure to work with him and I will most certainly be recommending his services of PGS to anyone who's looking to secure a home loan. All the best to you & your team this 2022!
- Victoria C.

Everyone was incredibly helpful especially with my situation. Josh really took that time to understand everything and figure out a way to help me get what I needed. He has also done amazing with my cousin with her first home purchase. I will definitely reach out again soon for a purchase instead of a refinance.
- PGS Client

Greg is an absolute amazing lender, great communicator, amazing attention to detail and works with a team that closes on time or early!
- Jeneane

Working with Greg and his team was a real pleasure. No headaches, no problem.
- Peter F.

Greg recently helped my daughter and I in the purchase of a condo. Neither of us had experience with this process and Greg was there to answer all our questions and get us the best loan we could get. He was always available to answer calls any time of day. He also kept us updated first time buyer, Greg eased our concerns with how professional and thorough he was in keeping us informed. I would definitely recommend Greg to my friends and family.
- Debra M.

Josh and his team are the best!! I was a first time buyer with lots of concerns and my experience has been great. I would recommend them to anyone looking to buy a new house, especially other veterans.
- E. Ramirez

My wife and I couldn't offer a higher recommendation of Steve after working with him and his team to get us into a great home. We moved from out of state, and they made it extremely easy despite the distance. A move like that is stressful but what I appreciate most is how accessible Steve has been, always available to answer one of our many questions by text, call or email. That's meant a lot to us because we didn't know the market in Southern California before this process. I would absolutely recommend him to anyone moving to the area.
- Andrew G.

Richard possesses knowledge of numerous loan programs to ensure that he finds his clients the mortgage that they want and need. He is always readily available, and I would recommend Richard to all of my friends, family, and colleagues.
- Anthony

Greg was amazing from beginning to end with the entire house buying process. There was nothing that he couldn't explain to me in depth and there was full transparency and easy communication throughout the entire process. He also got me the best rate I could get by a mile. My own shopping got me nowhere close to the rate he got me.
- Ligon Family

Of the dozens and dozens of lenders, mortgage advisors, home loan specialists I work with in a given year Steve and his team are absolutely the best. No question about it. Steve cares about getting it right for my clients. And he's the best I've seen at finding creative solutions to complicated problems that my clients face every day in the process of selling and buying. I also use him personally for my Real Estate purchases, and refer him to family and friends, not just clients and colleagues.
- Quinn M

Had the pleasure to work with Richard and his team. Let me say that Richard and his team are awesome! They are on point and don't let a minute go by when you have a question. They always answered the phone and responded their emails on time. Richard and his team are the best in the business and totally recommend them to anyone who is looking to buy or refinance!!
- Jose A.

Steve has been great to work with! As first-time homebuyers my partner and I had a ton of questions. Steve was always willing to take our calls and answer all of our questions. He worked well with our realtor and provided exceptional customer service and professionalism. Thank you Steve for all your help.
- Ashley A

Josh and his team are as good as it gets! He goes above and beyond for his clients, works hard, is super responsive, knowledgeable and an overall joy to work with. I highly recommend him, he will not disappoint!
- Renee

Josh could not have been more helpful, prompt, and professional throughout the loan process. He went above and beyond meeting with me at my home. He communicated every detail of my loan clearly with all parties involved and even gave his valuable personal advice at times. He was always prompt in returning communications, always friendly, and always double-checking things to ensure everything went smoothly.
- Kim

To Joshua and his team, You guys have an outstanding loan process and communication. Closed earlier than expected. Thank you very much for your hard work.
- Randulph

As first time home buyers, we had a lot of questions. Greg walked us through everything with clarity, patience and knowledge. He was available to answer our questions any time day or night. We really appreciated his willingness to help us sort through all the overwhelming information of buying a home. Greg is friendly, knowledgeable and super helpful. We will definitely have Greg help us again.
- Christy K

Josh is professional, trusting, and communicative. My wife and I just got done buying our first home and it was so stressful, but Josh made everything so easy. He called almost everyday to make sure we were up to date with everything that was happening. He took his time to explain all the obscure rules and laws we had to jump through. We would highly recommend his services to anyone who is looking for a mortgage. You will be so happy you found a nice broker in the business who is looking out for your best interest. THANK YOU JOSH!!!
- PGS Client

Josh is professional, trusting and communicative. My wife and I just got done buying our first home and it was so stressful, but Josh made everything so easy. He called almost everyday to make sure we were up to date with everything that was happening. He took his time to explain all the obscure rules and laws we had to jump through. We would highly recommend his services to anyone who is looking for a mortgage. You will be so happy you found a nice broker in the business who is looking out for your interest. THANK YOU JOSH!!
- Stu

We obtained a loan through Josh's services and are 100% pleased both with his effort, communication and follow-through. Josh is a highly trustworthy individual you can rely on. I am not affiliated in any way with Josh, or his company, except for the loan he helped us to obtain. Thed type of loan was a Jumbo VA Loan on a purchase of our dream home in Fallbrook, CA. You can't go wrong with Josh!!
- PGS Client

Hey Josh, I want to let you know that I really appreciate everything you did to help me out. You and your team were absolutely flawless and went above and beyond to make sure I was taken care of. I will definitely make sure that my friends or family friends reach out to you if they are looking to purchase or refinance their home. Thank you so much again and I look forward to doing business again with you in the future.
- Chris

Josh has been excellent to work with. He was very prompt responding to every detail in financing our new home. He went above and beyond meeting us at our home and communicating clearly every aspect of our loan with all parties involved. He is knowledgeable and also offers his personal advice when appropriate. I could not be more impressed with his professionalism.
- Kim M

Josh and his team were awesome to work with. They are very knowledgeable, organized and professional, which made my loan application and approval process worry-free. Josh shared a lot of good information with me prior to my application, patiently walked me through the loan process and laid out pros /cons with each options, which helped me tremendously with my decision making down the road. He worked with my realtor- Roxy Lambert (who is awesome, look her up!) and kept me updated each step of the way. Moreover, after my loan's closed Josh scheduled a post-closing call with me to review important details that could easily be neglected. Josh and his team are a great example of what great customer service should be like. I would highly recommend Josh to anyone looking for financing or refinancing in San Diego!
- Yini W.

I highly recommend Steve Kaufman and his team. I used their services twice, first a few years ago when I purchased my home, and again just recently to refinance it and remove my mortgage insurance. Both times I had a great experience. They got me not only the best rates for the current market environment but made the whole process much easier for me. Steve and his team are very quick which was critical when I was purchasing a home. It felt they were available 24/7 and my loan was their number one priority. Steve is also very knowledgeable and personable in his interactions with his clients which makes it very comfortable to ask questions. As a first time home buyer I had a lot of questions and he was always very patient. If I'm buying another property in the future, I'll definitely want to work with him again.
- Kolina K

Josh and his team made it extremely easy to understand the complexities of buying a new home. We were so impressed not only with their expediency but also Josh's ability to explain the financial information to us so clearly. We will recommend his business to all of our friends and family. So very much appreciated!
- Elisabeth C.

Greg recently helped my daughter and I in the purchase of a condo. Neither of us had experience with this process and Greg was there to answer all our questions and get us the best loan we could get. He was always available to answer calls any time of day. He also kept us updated every step of the way on what to expect during the process. As a first time buyer, Greg eased our concerns with how professional and thorough he was in keeping us informed. I would definitely recommend Greg to my friends and family.
- PGS Client

Josh was so incredibly helpful in making our first home purchase. From start to finish he went the extra mile to make us feel comfortable about the process and make sure we knew all of our options. I asked many silly questions and he never once made me feel bad for asking. Thank you Josh!!
- Kate

Josh and his team were absolutely amazing! They made sure we always understood what everything meant which documents were "working in progress" and which were final documents. We were previously working with another mortgage broker who did not at all make us feel this way. We are so glad we terminated and engagement and found PGS Home Loans! This comment cannot go without mention that when things got tough and fast with our Lender PGS was there to fight on our behalf and make sure that everything was done to close right on time! We owe it all to your team to getting us to the finish line :)
- Crystal C

Josh and team were amazing, thank you for getting us into our first home!
- Ryan H

Josh was so incredibly helpful in making our first home purchase. From start to finish he went the extra mile to make us feel comfortble about the process and make sure we knew all of our options. I asked many silly questions and he never once made me feel bad for asking. Thank you Josh!
- Kate A

Josh was wonderful. He started our preapproval on a Thursday and worked through the weekend to have it completed by Monday. Also, not only did he complete our application to close by the end of our 30 day escrow, he had it ready to go by day 15 and gave us a chance to close escrow early. I have already recommended him to my co-workers and family.
- Ben V

Josh and his team were outstanding. From the very first call I made to Josh to get prequalified to the moment he gave me the great news that our loan got funded, we felt comfortable and secure and knew that our best interests were being put first. His entire team came together as soon as our offer was accepted to help us get everything taken care of. They kept us informed and on task so we never fell behind on anything during the escrow period. Josh assured us he was, and still is, always available if we have any questions or uncertainties. He explained everything we needed to know in detail and in terms we could understand, which we very much appreciated because this was our first time buying a home and we were pretty intimidated by the whole process. I cannot say enough about how impressed I am with Josh and his team. I would strongly recommend him to family, friends, colleagues, anyone.
- Tristan M

Josh and his team did a great job walking us through the process of securing a loan with a competetive interest rate. As first time homebuyers, we had a lot of questions about the process, but Josh was always available to talk and help us understand the details. Josh is an excellent communicator, and we felt very confident working with him. We would recommend him to anyone looking for a home loan. In the end, the closing costs were lower than expected and we are very happy with our interest rate. Thanks Josh!!!
- The Like Family

I am extremely impressed with Josh and his staff during the process of my home refinance. I could not be happier Josh and his staff's communication with me, their assistance and support to make sure I was on track getting paperwork completed and filed in a timely manner. Josh and his staff were available beyond the 9 to 5 hours which is above and beyond dedication. I highly recommend using Josh and his staff.
- Drummedge

To Joshua and his team. You guys have an Outstanding loan process and communication. Closed early than expected. Thank you very much for your hard work.
- Randulph A

Josh and his team are amazing. Our wonderful real estate agent referred us to him and we couldn't be happier. Any time we had a question, he always had an answer. They were prompt, friendly and got the job done! Thank you so much for all your hard work and time put into our loan!
- Rich E

Josh is an amazing mortgage consultant. He was extremely helpful in all aspects of our loan process. Will use again next time. Josh is definitely the power-player on the team.
- Ivan R

As a Realtor, I have worked with Josh for many years and he has done a fantastic job for me and my clients. He has even saved a couple transactions that other lenders couldn't complete. So, of course since he is my most trusted lender, I had him complete my home refinance too! I appreciate that Josh is honest and straight forward and that he has a positive attitude and excellent work ethic. He and his team are all so friendly and easy to work with and they go the extra mile to help my clients. I also appreciate that he and his team are so responsive and are on top of everything. They communicate with me every step of the way. I wouldn't hesitate to work with Josh again and will continue to refer him to my clients so I can be sure my clients get a great loan and great service!
- Christine F

It was an extreme pleasure working with Josh & team - nothing short of outstanding!! I was put at ease feeling like I was in really good hands - always very positive & upbeat, responsive, knowledgeable, professional, ethical and always available day & night. What more could you ask for? I HIGHLY recommend this awesome team!!!
- Tobias G

Josh and his team are nothing short of amazing and I am extremely happy to have worked with them. They were all very friendly, professional and honest. Though the pace of selling my home and buying another was dizzying at times, I never felt pressured or rushed. Josh's responsiveness is unmatched and my access to him seemed instantaneous; at times, I felt like I was his only client. I always felt empowered and well-represented because Josh took the time to understand my needs and carefully explain concepts and procedures. I was well-informed throughout the entire process. He maintained a positive "can do" attitude, even when I lost my job. Josh played a key role in my ability to upgrade my living conditions and buy a home. He worked tirelessly around the clock to help me achieve my dream. I wholeheartedly recommend Josh and his team for all your financial needs.
- Ken R

Josh and his team were not just professional, they were responsive and available anytime I had a question. Everyone at C2 that I dealt with went out of their way to make things easy and understandable and, beyond that, they're just plain nice. Thanks, everyone at C2, for making our munched needed refi happen as smoothly as possible.
- Nate D

The first time I worked with Josh and his team of professionals was in 2011- they were able to help me through the process of qualifying to purchase my first (single-owned) property! A couple years later they patiently helped me through the much more complicated process of buying a second property- this time it took extra effort on their part to work with me and help me qualify for a great rental property. Recently, in 2016, I contacted Josh and asked if there was anyway I could get my properties re-financed at the current low rates. Josh got right to work and was able to lock my rates in at the lowest possible rate. Josh and his team provide you with expeditious, professional service but they also offer a sincere understanding to your unique situation. Even when things were difficult, I knew Josh was on my team and I believed he would find a way to make things work for me. He did! I wouldn't use another lender.
- Susie Q

I had done a refi with Josh and his team in the past. It was my first refi experience and it went really well. For my second refi I just figured it was all the same and I would get the same experience with another company which was hardly the case. It was a painful nightmare dealing with this other company, and now that I have just finished my third refi with Josh's team I can say that as long as he is in business he will always have my business and I would recommend him to anyone in need of his services. His team makes the process as painless and simple as possible, and keeps you informed of progress throughout the entire process. Honestly can't say enough positive things about the organization and attention I received.
- Josh C

My Family has done a few home loans with Josh and the C2 Financial team and if and when we sell our house again Josh and his Team will be the first people we will call.
- Adam C

Josh and his team are very professional.My wife and I just purchased our first home .I had two other lenders that made my first home purchase a nightmare due to the fact that the house I was purchasing had a hero loan on the property ,was already behind on my closing date,long story short I was referred to josh by a friend and in no time he closed my loan . He answered all my questions anytime of the day,nights weekends etc. I highly recommend josh, him and his team are the best!! THANK YOU JOSH!!
- Johnny B

Josh is one of the most friendly lenders you will ever work with. If you are military like myself, he knows the VA policy like the back of his hand. Job well done and you definitely have a repeat customer!
- Ken M

My husband and I ranked Josh Jelsing the highest we could because anything lower wouldn't justify the work and dedication he puts into clients. He is honest and straight forward from the beginning of a transaction to even after a transaction has closed. As a result he's gained our trust and respect . So happy and thankful to work/worked with him.
- Priscilla G

Josh is professional, trusting, and communicative. My wife and I just got done buying our first home and it was so stressful, but Josh made everything so easy. He called almost everyday to make sure we were up to date with everything that was happening. He took his time to explain all the obscure rules and laws we had to jump through. We would highly recommend his services to anyone who is looking for a mortgage. You will be so happy you found a nice broker in the business who is looking out for your best interest. THANK YOU JOSH!!!!
- Mike S

We obtained a loan through Josh's services and are 100% pleased both with his effort, communication and follow-through. Josh is a highly trustworthy individual you can rely on. I am not affiliated in any way with Josh, or his company, except for the loan he helped us to obtain. The type of loan was a Jumbo VA loan on a purchase of our dream home in Fallbrook, CA. You can't go wrong with Josh!
- Warren G