Our success stems from delivering an exceptional client experience. Throughout your home-buying journey, your needs remain our top priority. We work hard to earn and maintain your trust and are truly honored to be your mortgage professionals... See what our clients have to say!
My wife and I have been looking for a home since we sold our first home in 2020. The market wasn't in our favor, lenders weren't working on our favor and we have been living with in-laws since. We got to the point where we were done and found our dream home. I tried procuring a loan through a large name brand VA lending company to see if we couldn't get pre approved for this loan and they said that it want possible. I then reached out to Alfonso knowing he had pre-approved me in the past and he was able to get us the letter and we were able to secure our new home. The process was very easy, and Alfonso assured us the entire time that everything is going good. He took care of us, answered all our questions and was very quick to respond. I highly recommend him to anyone in the market. I will be using him as our loan officer from here on out.
Highly recommend Alfonso as a broker. He went above and beyond what was asked to get our family taken care. Very responsive and efficient even dealing with our unique situation of being employed through a business we own. If you're self employed, Alfonso can figure it out!
Alfonso and his team in T.I.M.E lending are very professional and helpful. I was fortunate my friend recommended him after talking to a bunch of lenders. He gave me the lowest mortgage rate that others cannot offer, and we closed a week earlier than scheduled closing date. I will highly recommend him. DONT WASTE TIME contact him, and you will never regret it!!! Thank you again Alfonso and more power to you and your team!!!
Alfonso was very courteous and professional. But above all he is a wealth of knowledge. He helped structure my loan in a very creative way, and I had talked to 6 lenders before him, that couldn’t give me any solutions. I am A veteran, and shopped with the Big known lenders, and it was like hitting a wall. I have different sources of income and it was a puzzle for everyone else. Alfonso, explained things in terms that were understandable. His personality made those "boring numbers" easy to understand. I think he’s a genius. My real estate agent was very impressed with His work ethic and ability to get things done. He was available for my concerns after my late work hours & he made sure things were taken care of to my Satisfaction. He helped me decide what was best with my situation and budget and worked with all parties to drive the transaction forward. I wouldn’t have closed without his help. Thanks so much Alfonso.
I was looking to start my investment portfolio while finding a place to live and Alfonso helped me achieve my dreams. I was able to qualify over $100k higher than with other lenders while maximizing the FHA process. If you are looking for a lender that not only knows the business, but also works to achieve your financial goals, Alfonso is your person! I highly recommend using Alfonso for your home lending needs, I for sure will be.
Alfonso and his team at T.I.M.E Lending went above and beyond for my partner and I. They handled the whole experience professionally and was really inclusive and supportive. I felt that they really guided us through the entire loan process. Being that they were available 24/7, we got our questions answered so quickly which helped us through any adversities. As a real estate professional myself, I am very critical about communication and follow up and can attest that their communication was top notch. Alfonso educated us and even the seller on the 2 1 Buy Down Program and successfully incorporated it into our deal. In this market where interest rates have increased, we are SO happy to have taken advantage of this program to help us save money, especially because we were moving across the state of CA which isn’t an easy task itself nor is it cheap. Alfonso and team also helped us through the employment verification process with our new jobs and the moment we got the “cleared to close” we were ecstatic! I cannot express the gratitude I have for this lending team and their creative, out of the box thinking to get us where we are today. With their work ethic and diligence, we got this deal closed in less than 30 days! If you’re looking to purchase a home, I highly recommend reaching out to Alfonso and team today. If they can do it for me, they can do it for you!
Alfonso was wonderful to work with. He was extremely responsive and understanding to my needs. He worked hard to make sure I received the best loan and rate that worked for me.
Thank you Alfonso, Rosa, Jonathan.
When purchasing it can become overwhelming yet Alfonso was very attentive and informative. No matter the question he was attentive and informative. I closed escrow with a lower rate than expected and his team made sure the process of escrow was a smooth transition. I will use Alfonso and his team again and recommend him to my family and friends.
I had already spoken to about 10-15 lenders prior to Alfonso, he was the only one that took the time to dive into my paperwork and crunch the detailed numbers that i needed. He offered several solutions to my problem and realistic possibilities that followed through. When it was down to crunch time, he was there for me. When i was having a panic attack, he always picked up the phone. LISTEN to him, he knows that he is doing, there's a reason he's been in business this long. He probably knows you better than YOU know you, because he knows his market. If i ever decided to buy again, he will be the ONLY lender i go to. Playing the market is hard enough, having the right people on your side can make all the difference between finding your dream home, and settling for "okay." If you want the best, Alfonso is the best.
I recently refinanced with Alfonso Ruano and he and his team really went above and beyond! This is my second time working with him and I'd definitely work with him again! Not only did he help me get a lower rate, but he also helped me get back on track with this refinance! I now have greater peace of mind thanks to his help and care! Thank you, Alfonso!!
I was really satisfied with Alfonso from T.I.M.E lending. I surely recommend him. Answer all my questions. He really did an excellent job with refinancing my house, also was able to lower my rate. Which was lower than what we expected. I am really satisfied with his service. 100% recommended.
I was shopping for a VA loan with many lenders and Alfonso's rates and knowledge were incredible, him and his team were a pleasure to work with! They were patient with all my questions, thoroughly answering them. Alfonso would go over details and the process as many times as I needed to fully understand and was available every time I gave him a call. I truly felt they had my best interest in mind. He and his team are professional, reliable, responsive and very knowledgeable. I definitely recommend his services to anyone wanting to purchase a home.
Alfonso helped us buying our first house, he was very helpful in all my questions and has a lot of knowledge on this business, something that makes you feel safe and secure, we got us a lower rate than we were expecting, strongly recommend him if you want to buy your new or next home.
Alfonso is very good at his job, very professional and too courteous, he helped us with the purchase of our house, he always answered all our questions, made us feel safe and protected throughout the process, I can assure you that he is the best to help you house purchase, thank you very much Alfonso for your unconditional help. God bless you.
Alfonso Ruano was the best I have ever worked with on a home mortgage. He and his team were very responsive, communication was clear and prompt, and all of my questions were answered without delay. They provided details on the mortgage and close process and helped along the way. All paperwork and numbers were provided well before close and allowed me to review everything in advance.
Alfonso was top notch. He made every effort to make sure my wife and I were comfortable and aware throughout the entire process. I would recommend him to anyone looking to finance a new home and will use him in the future if I ever look to buy another home. I highly recommend him!
My fiancé and I had a fantastic experience with Alfonso. We had gone to quite a few loan officers prior to this visit and we were treated poorly. The previous loan officers were dishonest, rude, and disrespectful to us. Alfonso was the complete opposite. We are so pleased with his services he provided. If you are looking for someone who is honest, quick to respond, and who will do what's best for you, I definitely recommend going to Alfonso!
Alfonso is the best loan officer I have met. He informed us on all the information about the loan he was getting my family. He was not afraid to show us what the current rates are at and what he would be getting out of it due to giving us the best rate. He gave us a full education on what loan to chose and gave us the pro's and con's of each of our choices. I have referred him to many of my clients and they are just as impressed as I was. He moves quick and got our loan funded within 2 weeks. Very happy with his services and will continue to send him a lot of business. He is a man of his word and has a great amount of integrity. THANK YOU ALFONSO!
