"We recently had the pleasure of working with Gene and Bernei from Lucent Mortgage to secure our home loan, and our experience was nothing short of exceptional. From the initial stages of the mortgage process to the final closing, Gene and Bernei demonstrated professionalism, expertise, and unparalleled customer service. Gene, in particular, stood out for his unwavering commitment to ensuring our understanding of every aspect of the mortgage journey. He was consistently available at any time for questions, demonstrating an impressive level of responsiveness that eased our concerns throughout the entire process. This availability provided a sense of security, making us feel valued as clients. One of Gene's standout qualities was his ability to break down complex mortgage issues into easily digestible information. He took the time to explain intricacies in a manner that was clear and concise, helping us navigate through what could have been overwhelming details. This thoughtful approach made the entire experience not only manageable but also empowering, as we felt well-informed at every step. Additionally, Gene provided us with a plethora of estimates and number breakdowns, allowing us to make educated decisions about our mortgage. This transparency and thoroughness were greatly appreciated, as it enabled us to make informed choices that aligned with our financial goals. Bernei's support complemented Gene's efforts seamlessly. Together, they formed a dynamic team that prioritized client satisfaction and made the entire mortgage process as smooth as possible. In conclusion, our experience with Gene and Bernei at Lucent Mortgage was outstanding. We are now happily settled in our new home, and we credit much of the success of this endeavor to the expertise and dedication demonstrated by Gene and Bernei. If you are in search of a mortgage lender that goes above and beyond, we highly recommend considering Lucent Mortgage."

"Bernie consistently went above and beyond my expectations and provided a great, easy, and as hassle free as possible, lending experience. She is very communicative, great at explaining things to a non mortgage person, and walked me through the best possibilities for my situation. I would definitely recommend Bernie to anyone because I know they will be well taken care of!"

"Extremely efficient, honest, possess good knowledge of the loan and very proactive. The best part was that it made me feel as if i am dealing with a friend and Gene goes out of the way to make the loan happen before time. Great advisor on guide."

"Refinancing and all the paperwork is never easy, but Gene & Bernie and team made the entire experience worthwhile and a pleasant experience. From start to finish, they were attentive and clearly strive to be the best in their field. They helped us during the initial purchase and now during the refi. We would definitely highly recommend Gene & Bernie."

"This is our second time using Gold Star Mortgage. Five years ago we were in the process of buying our first home. I am retired from the military so we decided to use the VA loan. We talked with other lenders before talking with Gene Agustin and it was a night/day experience from the other lenders. Other lenders we spoke with liked to use the word "Veteran" in their title to appeal to military families. The communication with them was poor and we were constantly calling for updates and information. This didn't give me confidence that my family was in good hands. We reached out to Gold Star Mortgage at 5701 Lone Tree Blvd in Rocklin, CA and Gene set up an appointment for my wife and I to discuss our options. We were blown away at how professional Gene, Bernie and the entire staff were to us. Gene blocked out his schedule to fully explain the home buying process to the point of preparing a custom presentation, with very detailed financial information regarding our specific VA loan. We left his office knowing we were very well taken care of. We received exceptional communication throughout the entire home buying process. Every step was processed in a timely manner and we received an interest rate that was far better than the lenders we previously spoke with. Gene and Bernie at Gold Star Mortgage are our forever trusted mortgage experts. We just completed a VA streamline refinance with Gold Star, and as before, they made the process so seamless and easy. Gene and Bernie work very hard for their clients. We secured an amazing interest rate again and closed in less than two weeks! We will forever use Gold Star Mortgage for our future home buying and mortgage finance needs."

"Bernie is so amazing, she is fast, and very knowledgeable. Will always recommend Bernie 10/10!! You will not be disappointed if you choose Bernie at gold star mortgage!"

"Fast, professional and transparent... took 3 weeks from start to finish with detailed analysis and open communication . Would highly recommend Gene and Bernie"

"Bernie is truly outstanding. She provided a thorough analysis of refinance options and expert guidance throughout the loan process. She is highly reliable, detailed oriented, and great at communicating. I highly recommend working with Bernie"

"After working with another broker and wanting to pull my hair out, I finally asked Bernie and Gene to advise on my unique home-buying situation - a large chunk of my income is in RSUs, and I live in an expensive area, so I needed the RSUs to count on paper. Not only were they able to refinance my mortgage at no cost and save me over $1,200 a month, they made the entire transaction as smooth and pain-free as possible. From start to finish, Bernie was organized, available, and extremely patient with all of my questions, keeping me informed throughout every step of the process. I can't recommend them enough to anyone who wants a headache-free mortgage process. Thank you, Bernie and Gene! You are truly the best in the business."

"Outstanding service from Bernie at Gold Star. From recommending loan options, guiding the loan process, and answering my questions. My refinance went smoothly through the process. I recommend her highly for the services she provides! I am a repeat customer!"

"I love the entire Gold Star Team! I've been working with them for 14 years now. They really know the business, they work hard to find the best option for me and they are super responsive. They are my top choice for a home loan every time!"

"For our first house purchase, my mother in law and sister and law both recommended that my wife and I use Bernie and the team at Gold Star for our loan application/processing. Bernie was phenomenal to work with from the first virtual meeting (due to the pandemic) throughout the entire process. Everything was explained clearly to us up front and Bernie and the team (Gene and Jennifer) answered any and all questions that we had during the loan approval/closing process. My wife and I will definitely be recommending Bernie and the team at Gold Star to any family and friends who are looking to purchase a house in the vicinity of our new home."

"We had a difficult time line because we live outside of the USA, but Bernie met our timeline and kept us informed every step of the way. She was super patient with all of our questions and responded immediately. I would definitely recommend her to anyone wishing a home loan or refinancing their loan!"

"Thank you Gene Agustin and team for notifying me that interest rates had dropped and for making the refinance process as easy as possible. I appreciate the timely updates, closing statement explanations, and no surprises. Your continued support - we've been doing business for close to 20 years - is greatly appreciated. Hats off to your team. Thank you."

"Gene did a great job of outlining the financials for our loan & explaining costs involved for different scenarios. His time & effort is greatly appreciated!"

"Gene was very comprehensive in his directions and information. Very detailed and lots of information delivered in a way that didn't make me feel "overwhelmed". Very attentive to our needs, giving multiple options to make sure we found what we wanted, what we needed, for our personal goals and financial needs. I feel and believe he wants us to find and have the deal that's best for us in our longtime living and financial goals. Definitely someone you want in your corner if you're a first time buyer or whether you've bought homes previously. Thank you Gene. We look forward to working with you thru the rest of this home buying process."

"Wendy and I both know a decent amount about home buying. We both have bought houses previously. However working with Gene and his team exceeded all expectations. Just from the beginning with Gene sitting down doing a 1 on 1 with you to walk you through the whole process. Is a huge advantage for you, the home buyer. Even though Wendy and I knew a lot about the process, Gene goes in depth with anything you might not have a firm grip or understanding on. His main goal with this 1 on 1 is to make sure you understand everything there is about buying a home. It is a huge plus and really makes you feel comfortable with purchasing a home. Wendy and I were put in a bad situation and absolutely needed to have a house in 90 days. The owners of the current house we were living in never told us they wanted to sell the house. So we had a agent show up at our door at 8 pm in the evening which is how we found this out. Then were giving only 90 days to make sure Wendy and I had a place to live for our family. ( Home owner was a family member) Now Gene and his team not only made us feel totally comfortable, secure, eased the tension/stress on the position we were put in and with a lot of confidence that we would be able to accomplish all this in the short amount of time we had. They made us feel that, hey we don't need to worry about our home loan, interest of loan, inspections and everything else associated with buying a home. They were very professional and experts in their field. For us it was basically just searching for a home as we only had, at this time around 70 days left to find a home. From their professionalism and expertise in their field. We just started looking and viewing homes. Not once were we worried about our loan. They absolutely just made the whole loan process worry free. For us we couldn't of asked for anything better. If anyone wants to buy a home. Then its definitely Gene, Bernie and the whole team at Gold Star Mortgage Financial Group Corporation. They will not only make it to where you understand everything about buying a home, but also have a very smooth worry free purchase. They are by far Hands Down The BEST!!!!! Richard & Wendy"

"We had a wonderful experience working with Gene and Jennifer of Gold Star. We are first time buyers and they put all of our anxiety to rest and explained everything every step of the way. Highly recommend this company. Thank you for everything."

"Buying a house is never easy especially for people like us who are first time homebuyers. The team made it super easy especially with the mortgage 101 class. I really appreciate the mortgage class for it made me realize that there are numerous mortgage terms that we dont know anything about. Despite the fact that i do my research and tried to teach myself of the process, i realized the mortgage 101 class opened our minds to different options and learn each advantages and disadvantages. The team also helped us in so many ways and i cant imagine myself buying a house without them. We were able to make an offer even with a low downpayment, even competing with cash buyers with the help of their “fast pass program”. Without the team we will not be able to buy our dream home. I couldnt thank them enough for everything that they do. The prettiest thing that ever happened was we closed the house exactly on my birthday. I would definitely refer them to my friends and would be very happy to seek for their help again in the future. To Gene and Bernie and the rest of the team, we owe you big time!!! More power!"

"Working with Gene and his team took the headache out of buying our home. They made us feel comfortable and gave us all the knowledge we needed to make an informed decision with our home purchase. I can not thank them enough for guiding us through! Thank you so much Gene!!"

"Working with Gene is the best decision I’ve made to choose them to be my lenders. At first when Gene knew that I’m a first time home buyer, he scheduled a one to one meeting with me to make sure I understand everything in the process and know what to expect, gave me a lot of details on what loan options are available to me, and was clear and honest about everything from the start. This was a really crucial part in my decision to choose him, before that, I talked to many lenders but clearly, he really stood out in comparison to other lenders. Then he started the FastPASS process for me to make sure I’m clear from any issues that can arise when I’m actually in the process of applying for the loan. This made me take the decision to minimize the duration of the loan contingency in my offer, and could even have removed it completely, which will let my offer as attractive as a cash buyer, and by chance this was required by the sellers. After we were in contract, there were some issues that happened, and we wanted to close earlier than expected. This is when it is very important to be working with someone like Gene and his team. It really felt like they were dedicating all their time to help me with the issue and they’ve managed to close and fund the loan in a record time. I’d really like to thank Gene and the team, and I’ll definitely always recommend him if any of my friends ever wanted to buy a home."