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Testimonials and Reviews

At Central Coast Lending, we pride ourselves on offering the best price and the most attentive service. As mortgage experts, our approach is to thoroughly educate our clients so that they can take control of their decision.  We guarantee that we will go to any length to secure a loan for our clients.

We are a company with deep roots in the Central Coast Community, so we thought we would let the local testimonials speak for themselves.

Best price

Attentive service

Expert staff

Going the extra mile


Best price

“Advertised interest rate was met! Excess appraisal cost was covered!”

- Kent and Elena Stokes, Arroyo Grande

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“Joe was attentive and locked in a rate I never thought I would get. Excellent service.”

- John Fiorentino, Arroyo Grande

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“Central Coast Lending succeeded in locking in our rate and getting us the lowest available rate.”

- Harold and Kay Johnson, Arroyo Grande

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“Entire process was smooth and efficient, and affordable. Thank you.”

- Stuart and Joanne Stoddard, Paso Robles

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“We had a higher interest and we saved quite a bit of money with Central Coast Lending because they got us a good rate. We saved about $350 a month financing with them.”

- Marlene and Duncan McQueen, Los Osos

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“We did look at other quotes, and we are not the kind of people that just go local for the sake of going local.  So we did go to a lot of doors, and Central Coast Lending was the best.”

“It was a breeze; it was a good experience for us. We bought a short sale, which can be a frustrating process, but it was not the case in terms of the lending part of things. Central Coast Lending helped us out quite a bit.”

- Anurag Pande, San Luis Obispo


Attentive Service

“The speed and easiness of communication through email, always flexible to accommodate our schedule”

- Berkeley and Meghan Lindt, San Luis Obispo

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“Will Barnaby did it in less than a month and a half, after waiting almost a year with an other agent”

- Carlos and Maria Lomeli, Paso Robles

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“The service could not be improved upon – it was A+”

-Arlene Coppola, Los Osos

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“The experience was smooth and effortless”

- Patrick McClintock, Atascadero

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“When I first contacted Central Coast Lending, I told them what I was interested in doing and then within three or four hours I received an email with six different rates from a specific bank that they used and each of those rate had a breakdown on the closing cost, which included fees going to broker, fees going to bank and fees going to the title company. I have never experienced that before and I thought it was really terrific.

-John Achterkirchen, Morro Bay

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“Communication through telephone and emails was excellent with updates on the loan…”

- R. David and Helen Cantu, San Luis Obispo

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“Good explanation of process and forms. Always kept up-to-date during loan processing.”

- Anthony and Kathleen Toscano, Morro Bay

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“Thank you for the highest quality service I’ve seen in a long time!”

- Bill and Lori Tatum, Arroyo Grande

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“Heidi Kimbrell was courteous, friendly and extremely efficient.”

- Russ and Stephanie Siverling, Los Osos

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“Every aspect of this process went well! I will be counting in CCL for any future loans. High marks all around- my business partners are now using Will Barnaby and Central Coast Lending!”

- James Bruhns, Paso Robles

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“Will was the utmost professional with excellent follow through.”

- Guadalupe Barraza, Huntington Beach

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“When we got ready to do a loan, we checked them all out. We wanted to pick the one that is the most conscious, the most considerate, and that will do the best for you. And that is why we latched onto Dan Podesto and Central Coast Lending.”

- Marlene and Duncan McQueen, Los Osos

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“They held my hand all the way through the process, they helped explain things to me that I didn’t understand clearly, and put up with a lot of my idiosyncrasies.”

Linda Stimson, San Luis Obispo


Expert staff

“We were able to get clear answers to all the questions we asked. Great professionals!”

- Maria Buenrostro, Paso Robles

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“Central Coast Lending was able to process complicated documents with ease and kept us informed throughout the process.”

- Ryan and April Luis, Arroyo Grande

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“Our transaction was complex due to various family entities. It was difficult but successful. Great Job!”

- Donald and Elisa Cameron, Cambria

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“You made the process of refinancing two mortgages simple and painless for me by taking care of details that most brokers expect their clients to do. Your clear explanations were greatly appreciated as well.”

- Naomi Howard, Shell Beach

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“Information and explanations at the beginning of the process were thorough and clearly explained. All my questions were answered very professionally and in a timely manner.”

- Deborah Lagomarsino, Paso Robles

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“Thank you for doing such a great job!! I have already referred my insurance agent and will be referring others!”

- Frances Hallwood, Los Osos

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“Bob Moss worked tenaciously to put this loan together. We appreciate his advice and support to get the job done”

- Spencer and Linda Meyer, San Luis Obispo

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“Clear, simple, straightforward.”

- Lee and Christine Johnson, Morro Bay

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“I know that we were turned down by the first two institutions that Jason contacted. Not because we didn’t have good credit, but because of the fact that I was retiring but had not yet started withdrawal of pensions, social security, and stock and bond dividends.  However, to his credit and perseverance, Jason didn’t give up – and I appreciated that. He could have just written us off as “unloanable”, but he didn’t and on that alone I would highly recommend his service.”

- Phylip Hoover, Paso Robles

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“I would recommend Central Coast Lending to my friends and family because they answered all my questions, they were prompt, very professional and I enjoyed they service that they provided me.”

- Anthony Halderman, San Luis Obispo

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“We closed on time and Bob Moss followed all aspects well. Good job!”

- Gary and Kitty Williams, San Luis Obispo

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“It was a smooth process with clear and accurate information. Jason Grote is knowledgeable and proficient in the profession.”

-Michael and Vita Miller, Los Osos

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“Bob Moss was terrific! I will absolutely recommend Central Coast Lending to family and friends!”

-Viv Dilts, San Luis Obispo

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“All aspects of our refinance transaction went extremely well. It was flawless.”

-Patrick and Bonnie McKim, San Luis Obispo

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“Dan was very professional and good to work with.”

-Keith Mueller and Carol Kirkpatrick, Morro Bay

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“Keep Jason on your team- he was great at working with our schedule.”

-Fabrice and Serafina Kenwood, Glendale


Going the extra mile

“Ryan, I thought you went above and beyond. You are the reason we arrived at a successful conclusion under a few difficult situations. Thanks!”

- Gene and Frances Silveira, Avila Beach

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“Our transaction was complex due to various forming entities involved. It was difficult but very successful. Great Job Central Coast Lending!”

- Donald and Elisa Cameron, Cambria

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“We were offered an excellent rate with the lowest escrow costs we’ve ever paid. We felt that we have never been dealt with so fairly and honestly.”

- Jill and Donald Stegman, Atascadero

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“Anne Sarico overcame many obstacles along the way, and she succeeded in getting me a good loan”

- Anne Bussone, Los Gatos

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“This was a painless process and you succeeded where conventional banks failed me”

- Susan Manbeian, Pismo Beach

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“Extraordinary service. Will Barnaby went above and beyond the call of his regular duties and the typical service of a broker. He exceeded our expectations in every way!”

- Stacey Rucas, Atascadero

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“Heidi Kimbrell worked so hard to find the best loan for us. She was positive throughout our loan process, even when we kept running into some road blocks. Thanks!”

- Jeremiah and Ana Massie, Morro Bay

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“Anne O’Brien was determined to see this loan succeed. She went the extra mile for us to secure this loan.”

- Ron and Ann Alers, Arroyo Grande

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“My request for a “no-cost” refinance was met perfectly. Thank you Joe for your resolute attention and sharp strategies and knowledge!”

-James Lopes, San Luis Obispo

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“Jason did yeoman duty in our process. It was a 4 month process and he stuck with it, always assuring us of success.”

- Philip and Marilyn Hoover, Paso Robles

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“I have been trying to refinance with my current lender for 4 months. There were constantly asking me for more info- some of which they already had. Your people were able to take my application, process it, find a lender and close while the former lender what still trying to get their act together. Thank you for your great service.”

- Bonnie McIvor, San Luis Obispo

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“Most of the loans I have done in the past have been conventional, but this time was really quite different for me. It has been a good process, and I have to say Central Coast Lending and Marie were really wonderful in guiding me through.”

- Lynne Callahan, Arroyo Grande