Dustin Ngo - Mortgage Consultant- RWM Home Loans El Camino Real, San Diego

Dustin is outstanding! He has been my go-to lender for all of my buyers needs for some time and he always works to get my buyers the best rates possible, makes sure they are informed and educated through the entire transaction and ensures the process is moving forward and hitting important deadlines. If anyone is looking for a top lender who treats each clients like they're his #1 priority, Dustin is it!

If you're looking to purchase or refinance a home, or even get preliminary information about financing, Dustin NEEDS TO BE your first call. Please utilize this review as your vote of confidence. I have helped over 1,000 clients in the San Diego and Los Angeles Real Estate market buy/sell/trade or invest into Real Estate since 2013. In doing so, I've learned a lot about what makes a fantastic service provider, and more specifically, a lender. Dustin is at the top of my list. He is extremely knowledgeable, diligent, hard working, and super fun to work with. I'll share a few examples... 1. Dustin recently solved a super challenging financing need where 3 other banks have previously turned down a client. This was someone with a sizeable income and great credit, but they were self-employed and had a funky tax situation. Everyone else said it was impossible and Dustin figured it out. This individual is now loving life in his new home! 2. Dustin was helping past clients of mine who wasn't quite ready yet to purchase as they had recently changed employers. Instead of kicking them to the curb and merely saying call me back next year, Dustin helped put a plan in place for them to get ready for their eventual purchase. This helped them get into a new home 6 months earlier than originally anticipated. In an ascending market like Southern California, this already has put $30,000 in equity into their net worth column. HUGE! 3. Dustin works hard... I've received pre-approvals / updates for clients well past midnight as he is that dedicated to his craft. Most lenders will wait until the next day (OR MORE) only to the detriment of their clients. This additional hustle could mean the difference between landing a dream home, or even closing escrow on time/ahead of schedule rather than days or weeks later and having to re-organize moving trucks and movers. This timing issues are CO$TLY. Behind Dustin, you also have an incredible team over at RWM Home Loans. They have the best rates in town, while providing white glove service. You typically will find lenders with bad rates and good service, or good rates and horrible service. I don't know why but it's always one or the other or even worse, neither! With Dustin and his team, you get the best of both worlds. It's a gift. Take advantage of it and give him a call. My last words of advice... If you're looking to purchase or refinance, I think you would be doing yourself a huge disservice by not giving Dustin and his team at RWM a call. The big banks (wells/chase/citi etc) are going to be limited on their loan products, and have extremely slow servicing times. Especially if you're purchasing, you're very likely to lose out on your offer because you submitted an offer with a 30+ day close of escrow. These big banks are cumbersome. If you're considering another mortgage broker or even worse an online nationwide lender, buyer beware. Not all "advertised" rates are really what you get. Sadly, way too many homebuyers & homeowners doing refi's find out too late in the game that their actual rates aren't as low as they thought they were. Just give Dustin a call, you'll be so happy you did! (that's the end of my sales pitch - but seriously though, it makes a huge difference) Thank you Dustin for all that you do.

I recently worked with Dustin on a purchase transaction and to say he went above and beyond is an understatement. He educated us on all options available, kept in constant communication, answered all questions quickly, and was ready to close ahead of schedule on tight time frames. With the market being so competitive right now with multiple offer scenarios, it really helps to have a professional like Dustin in your court to put the listing agent at ease and deliver on his promises. Thank you Dustin and I look forward to doing deals together for many years to come!

Dustin was awesome! He stayed calm and collective when problems popped up and most importantly got them handled! He help my clients hand through the entire process and made sure they were informed and all questions answered. My clients are very happy with Dustin which is my number one goal. He is a great asset to your business and I will certainly be recommending him again!

Dustin was absolutely amazing as we went through the process of securing a loan for our first home! His communication level is off the charts and his thoroughness of explaining the process was excellent. If I sent him a question by text or email, it was always with in minutes that I had response. I truly felt taken care of as went through this process which could be a bit intense at times!

I had to fire the previous lender and Dustin swooped in and saved the day. He promised what he would do, and absolutely lived up to it. Honest, communicative, helpful, knowledgeable and an overall joy to work with. Definitely will be recommending my connections to use him. Thank you so much!! Review #2 Dustin has continually helped me throughout the whole refinance process. He helps you understand anything you don't, superbly. He has a way to make you feel like you're top priority at all times, even though you know he's busy. And not only did he do all of that this refinance, he's done this for the last 3 times!!! we've worked with him. He got me my first home, my finances condo, and handled the refinances of our parents and mine. You're the best brother!

Never have I been more excited to write a review... Dustin was AMAZING throughout my entire home buying process. I recently purchased my first home and Dustin was so helpful and communicative the whole time. Any questions I had, he was able to answer in detail very promptly...and I had quite a few of them! I would HIGHLY recommend him to anyone looking to purchase or refinance. In fact, I already have! Dustin has helped my parents refinance as well as my boyfriend. Thanks again!!

Everyone should be a little more like Dustin! Dustin made the process so easy for us. He is perfectly professional, respectful, and personable. We’ve never had such an enjoyable refinance experience. Submitting the documents was a breeze and Dustin was great to communicate with. He always picked up our calls, was quick to respond to texts and emails, and had all the answers to all our questions. 10/10 would refi again!

This was my first time buying a home, so I was very intimidated by the whole process. Dustin walked me through every step and was extremely helpful throughout the home buying process. He made himself available at all times and was always quick to answer my questions. He was very professional and knowledgeable. I would recommend Dustin to anyone who is interested in buying a home, he was amazing!

Being a first-time buyer, Dustin made the whole process extremely easy and stress-free. His communication was crystal clear, and he quickly answered any questions that I had. I walked away with my first loan and a much greater understanding of everything. I will definitely be recommending him to my friends and family members in the future.