Beau and the Transparent Mortgage team are a breath of fresh air. Not only are they a wealth of knowledge, but they are enjoyable to work with. Beau gives you options, when other lenders will tell you that something is not possible. Their passion for the mortgage industry is crystal clear. The process of buying a home, although very exciting, can be stressful at times. Transparent Mortgage has the knowledge, drive, and professionalism to make this process a smooth one and a transparent one.
Beau and Danica did a wonderful job of working with us to make the purchase of our home a stress-free and enjoyable experience. They stayed on top of all details and communicated regularly, so that we knew where we stood at all points in the process. I appreciated how they were always available for questions and were highly professional in the process. I would strongly recommend them without reservation!
Beau and his team at Transparent Mortgage were great from the start. They are professional, friendly and confident and were willing to take on the challenge my needs required. Transparent Mortgage worked extremely hard on my behalf. I never dealt with a financial company that communicates with their client as well as they do. They always made sure I was in the loop.
Transparent Mortgage is based in San Diego yet when I found the right condo to buy in San Francisco they had no problem finding the right mortgage. They easily passed over all the hurdles where lenders often fail. Throughout the process I had no worries that they would find the best and most suitable mortgage for me. And they did!
After having some difficulties with another lender we were referred to Beau and his team by our realtor. Transparent Mortgage made our first time buying process a breeze! They kept us up to date through the entire process and did a thorough job of explaining everything to us. They were more than willing to answer any and all questions we had. Made this process as stress free as possible. Definitely recommend Beau and his team for your next home purchase.
I don’t typically write reviews, but in this case I feel so strongly about the quality of service provided by Transparent Mortgage, I wanted to share my experience with others. Beau, Danica, and the rest of their team have been fabulous to work with. Because of my circumstances involving litigation and roadblocks put in place by my ex-husband, my refinance was extremely complicated and was far from typical. They went above and beyond anything I would have expected to help me through the process, and were extremely patient and very professional. Every time we were faced with a roadblock, they would work together with me to figure out a creative solution to the problem. I cannot recommend them highly enough and would give them more than 5 stars if possible. If I ever need a mortgage in the future, Beau, Danica, and the rest of their team will be the ones I call.
This was the second time I used Beau and his team to purchase a home. In the incredibly competitive housing market, it was extremely important to get in a timely offer all the correct paperwork. Because of Beau, we were able to finally get an offer accepted. He was always responsive within a few minutes… Even on Sundays! Then, he helped to speed up the closing timeline on our new home! I appreciate that he was always willing to try and accommodate everything we asked.
As first time buyers, my husband and I had a TON of questions. Beau and his team were more than willing to answer ALL of our questions. They were always readily available by phone and email. The communication could not have been better. Once we found a property we were serious about, Beau actually contacted the sellers to further offer his word that we were dependable buyers and that everything was stable and ready to go on our end. I think it is very possible that by Beau doing this, we had a leg up on the other buyers who submitted offers and ultimately secured the selection of our offer. Beau and his team were also in close contact with our realtor (Alaa Razoky-Real Realty Group) and having them in such close contact made the entire process from pre-approval to closing of escrow as seamless as possible. I absolutely recommend Transparent Mortgage for anyone looking to buy or refinance. Thank you Beau, Danica and the Transparent Mortgage team!
So very pleased to have chosen Transparent Mortgage for my refinance. I read reviews and they stood out. I can see why now… Very encouraging from day one. I always felt that they were on my side and would give me great advice. It worked. I am now so comfortable in my “old age” with a great new mortgage that I can live with, with ease. Thank you to J.J. Beau and Danica……
Beau Hodson at Transparent Mortgage helped me secure a mortgage for the purchase of our home. He provided top shelf service throughout the process including always making himself available (by phone, email, or text), taking the time to answer my many questions (and doing so quite candidly and clearly), and delivering on what he represented. He helped us meet a very tight timeline including getting a conditional loan approval by Day 20 of escrow! Even more impressive than his speed was how much genuine pride and care he took in his role, which ultimately gave me confidence and peace of mind throughout the process that we were in great hands — and indeed, we were. I would not hesitate to highly recommend Beau to my closest of friends and family.
Its hard to put into words how incredible Beau, Danica, and the rest of the Transparent Mortgage team are at what they do, but I’m going to try my best.
As an unmarried 24-year-old (23 when we first started the mortgage process) looking to purchase a home for the first time, a lot of brokers I initially spoke to did not take me seriously; let alone give me the time of day. Not Beau. When I first messaged Transparent Mortgage on Yelp, Beau responded within minutes and called me the next day. He spent an hour on the phone answering every single one of my questions (without being condescending or coming across as if I was wasting his time in the slightest bit, unlike some of the other companies I had spoke to prior).
After our initial conversation I knew my search was over and that Transparent Mortgage was the perfect fit for me and my mortgage needs. From day one they’ve lived up to the name of the business by being completely transparent throughout this entire process. Our first phone call was 10 months ago. At the time I was ready to begin the process of getting pre-approved so that I could then start the home search. Beau and Erika were so easy to work with and made each step as simple and convenient for me as possible. We then ended up having to pause the whole process for a while due to a few different reasons (none of which were Transparent Mortgage’s fault whatsoever). Never did Beau make me feel like I had them do a bunch of work for nothing. He never rushed me and was so patient, telling me to just let him know when I was ready to pick up the process where we had left off.
Fast forward to December of this year when I had everything situated and I was ready to resume things. Again, Beau spent more time on the phone answering all my questions and was so great at explaining things in terms that even a first time home buyer can clearly understand. All communication with Beau and Danica — every phone call, email, text — was always returned promptly, even after hours. They got me pre-approved in just a few days and when I found my dream home in January, they were ready to move quickly and I absolutely feel like they are a huge reason my offer beat out all the others.
Beau personally called the sellers to vouch that everything was ready to go on my end as far as getting the loan and us being able to close on time. I’m very happy with my loan’s rate, terms, etc. and thankful for Beau’s efforts to find the best loan to fit my budget and needs. We had a 20 day escrow and Beau and Danica killed it. They made what is typically a stressful and overwhelming process as stress free as possible. They truly went above and beyond and remained calm even when the sellers caused us a few bumps along the road (so thankful to Danica for texting me late into the night to keep me in the loop when I was out of the country a few days before closing). I am now so happy to be typing this from the comfort of my very own home and I wouldn’t be here if it weren’t for Transparent Mortgage. I will 1000% be referring them to anyone I know looking to buy or refinance.
OH – and the craziest part is that I never once met Beau or Danica in person. LOL. They are THAT good. And as someone who is constantly traveling for work and often has no choice but virtual / phone communication, I was so thankful to have such an awesome team who were capable of communicating in that way efficiently and effectively. They are not only great at their job, but are genuinely cool people who are so easy to talk to.
Thanks again!!! You guys are the best.
You can stop searching now – you found the best choice. Beau and his team are absolutely outstanding!
We weren’t looking to buy a home seriously, but when one fell in our lap that we loved Beau met with us ON THE WEEKEND so we could get the answers we need and move forward. He was superbly knowledgeable, kind, and a genuine pleasure to work with. I honestly can’t speak highly enough of both him and his team’s willingness to do whatever it took to make our home ownership dreams come true.
A mortgage is a huge commitment financially, so there can be a lot of fear involved with getting started and choosing a broker, but the reviews don’t lie. We absolutely felt that we made the right choice in working with Beau and Transparent Mortgage.
So glad we chose Transparent Mortgage for our home loan! I did my due diligent and contacted a few lenders to get pre-qualify and quotes. I got recommendations from friends / read reviews, and TPM really just stood out from the competitors during my initial contact. Beau was very patient and thorough at explaining the process. He called when he said he would, fully “transparent” with the process and info. Right off the bat he gave us the best terms and loan amount, no games, just the best deal. Our application was more complicated than a traditional loan, some lenders didn’t want to spend the time to investigate further. Beau and his team took the time to get us pre-approved, and we were able to submit a strong offer and get accepted. During the escrow, there was a hiccup with our credit score, but Beau went out of his way to make sure we got the rate that we were promised, and that was just amazing customer service. We worked with Danica during the closing, she was so detail-oriented and excellent at keeping us in the loop with daily updates. The funding process went so smoothly, because Beau and his team were on top of everything. I’m truly grateful to have found a mortgage broker that I can trust. Great work Transparent Mortgage!
I recently completed my second loan through Transparent Mortgage, and both times it has been outstanding. The first time was for my Home purchase about 3 years ago, and I just finished a refinance with them last month.
Beau and Danica are both terrific to work with. They are prompt and thorough answering questions and moving things along quickly. I have purchased and refinanced several homes over the last 25 years, and my transactions with Transparent Mortgage have been by far the easiest and smoothest. Even when the inevitable, occasional hiccup occurs such as an error in escrow paperwork, Beau and Danica were right on top of things, and instilled total confidence. I can’t imagine using anyone else for a home loan in the future.
I can’t say enough good things about my experience with Transparent Mortgage. I worked with JJ and Danica and I came into my refi with quite a few obstacles. They both expertly guided me through the process and kept me informed . JJ assuaged any concerns as they came up and worked hard to ensure that we explored every mortgage possibility and chose the proper solution for my needs. Danica was just a pure pleasure to work with. Her personality and attention to detail will just put you at ease. I will continue to use the Transparent team in any future home loan transactions as they have earned my business.
As a true masochist I was thinking about getting punched in the groin, juggling chainsaws, walking on hot coals, playing in traffic, swimming with sharks, cliff diving, or going to Jeffrey Dahmer’s house for dinner, but none of those seemed quite painful enough. So, in an effort to inflict as much pain on myself as possible I decided to buy a house.
Yes, the process is painful, friends. That’s why finding a break in the torture is not only welcomed but very, very soothing. Transparent Mortgage is the bright light in a dark world where you feel like you’re pockets a being picked all while the demons smile and shake your hand in the process. None of that sleazy shiz from Beau and Danica though, a couple class f#cking acts I tell ya.
Seriously though, Beau and Danica make the process painless and comprehensive. They’re in constant contact the entire time and there are no stupid questions. To praise these peeps even more, they don’t hate or want to kill me. Why would they you ask? Well, while in escrow the house I was shooting for appraised under our offer to the seller and the inspection revealed some major repairs. Ultimately the deal fell through and I thought for sure that I’d wake up to a flaming bag of dog s#it on my doorstep for what could be misconstrued as me wasting everyone’s time – that was not the case. What was the case was a call from Beau reassuring me that this happens all of the time and that they’ll be there the second that I need them again. The good news is that day is coming (sooner than later I hope) and Beau and Danica’s cool composure and massive understanding will keep me loyal to Transparent Mortgage now and when I become the Monopoly Man buying houses and hotels.
Great work, guys, we’ll be chatting soon!
When it comes to mortgages my only choice is Transparent Mortgage. What stands out about Transparent over the other companies several factors. As I stay this from the bottom of my heart.
Beau the owner is the most honest mortgage broker that I can refer people too. Customer service is first class. Communication skills are above any level you can ask for.
Being in the real estate business it helps to have a great team around me. As we all know you have mortgage brokers that promise you the moon. What is different about Transparent Mortgage is no lip service. Just the bottom line.
If you are a person who is looking for an honest and hard working mortgage broker who always replies to all communications. Then don’t think twice of calling Transparent Mortgage. From the minute you pick up the phone to the minute you close escrow you are in the best hands possible.
I can’t say thank you enough the entire staff from A to Z at Transparent Mortgage. I’m a person who rarely refers people unless I’m 100% sure that person can preform. No questions anybody that I know I will refer to Beau or his team that only provides first class service.
The reviews are real.
When researching on who to trust with such a significant financial commitment like a refinance on an existing mortgage and if it’s your 1st time going through that process, I did the same thing you’re doing… going online: reading reviews, emailing, calling, asking multiple questions to get to a place where I can feel supremely comfortable with a team to help guide, advise, and execute a plan to put my family in a better financial position moving forward with our mortgage needs. I did my due diligence, I interviewed and did the research on the market of competitors. There are a lot out there: from boutique agencies to big banks vying for your business, and at the end of the day, we all just want the same thing, the lowest interest rates and terms that we can stay committed to, while feeling cared for. After all was said and done, we all have to make a choice on who that team will be and for me: Beau, Danica, and the Transparent Mortgage crew became the clear choice. Their expertise, direct communication, patience, and “on top of it” approach to get through a “not so easy process” is 2nd to none. Bottomline, they execute.
Grateful to the fullest for Beau and Danica especially because they held my hand when I needed it through the process and equally gave me space to figure out what I needed to as well to get us all to the finish line. I will be recommending their services to my closest of friends and family locally in SD who find themselves in similar circumstances and will be sure to use them as I seek to grow out my interests out here as well. If you’re reading this, it’s worth the call to even just see what they can do for you, and I’m confident in what you will discover.
Transparent mortgage is an excellent company with excellent people! Beau and his team were very helpful, informative, and eager to get the job done. Their communication was on point, even during the late hours of the day, they would be available to respond. The service was really impressive from the very beginning. They were able to offer us great terms and were very competitive with their offers. The team really knows what they’re doing, and it shows with how they handle their business. There really wasn’t much else we could’ve asked from them. Highly recommended!
So glad we heard about Transparent Mortgage from a friend. Beau and his team helped us with a re-finance a few years ago. This summer they helped us buy a home on Coronado, which is no easy task by any means. Beau, Danica, and Heather were all super responsive to all of our questions and concerns. Our mortgage financing was quite challenging for a variety of reasons but they got it done at a good rate, and even early!!! We used Wells Fargo for our original loan on our condo in 2012. That process was extremely painful. The process with Transparent Mortgage was far from painful. We pretty much consider them family now. Hoping to have the team over to our new home soon for some celebratory cocktails and cornhole in the backyard!
I can’t say enough how happy my husband and I are with how Transparent Mortgage and Beau and Danica walked us through our most recent and painful home buying experience. We faced hurdle upon hurdle and I honestly didn’t think we were going to close escrow but Beau and Danica were there every step of the way. Beau was extremely helpful and he was always a text or email away or call away. And Danica was extremely helpful and knowledgeable and I trusted them with this process completely. We will stick with Transparent Mortgage for our future refinancing/home buying needs. Thanks so much for everything! Rosa and Jerry Mendzer
My review is well overdue, but Beau and Danica are exceptional and such a pleasure to work with.
Honestly, I cant say enough about the professionalism and patience they had throughout the process.
From the beginning, Beau answered ALL my questions (in layman’s terms :-)) and really spoke to me in an patient and honest manner. He made sure I was okay with all the financing options, and he was always available when I reached out to him; which gave me peace of mind along the way.
And, Danica was exceptional and really superseded my expectations. From the all the emails, documents, to her patience with all of my questions, and keeping me updated EVERY step of the way (which was really important to me), she was just amazing. Thank you for making this long process easier and getting us into our new home.
Beau and Danica were superb in handling my client’s loan, which we just closed last week in San Pedro. My buyer was already pre-approved by Transparent Mortgage so I’d not met them prior to this transaction. I must say that they had all the qualities a buyer’s agent (or a buyer) looks for: 1) competence, 2) communication, 3) honesty, and 4) integrity. There was a little hiccup in the timeline due to a lawsuit against the HOA, but Beau and Danica were up front about the time extensions and I felt confident that they would be able to handle the issue – and they did! I plan to refer them to future clients and recommend that you call them too!
Beau and Danica were a pleasure to work with. It was our New Years goal to purchase our first home and we really did not know where to start. An initial phone call and sit down meeting with Beau really put into perspective the process and numbers associated with buying our first home. Beau and team were the catalyst to really get us serious about the home buying process. It was through their advise and council that we were able to buy the first home we offered on. Their team reached out to the seller’s agent and went above an beyond what one might expect. I look forward to staying in touch with Beau and Danica, as they have been great in answering our questions and guiding us through the process.
When I first moved to San Diego and started my search for mortgage brokers, I began by checking out the online reviews for several lenders. Transparent Mortgage had tens of reviews and a perfect average score of five stars. While such high marks might seem promising at first thought, I’m actually suspicious of any organization or product that has a perfect rating. No matter how good something might seem, someone has to eventually perceive something wrong with it. Nothing is perfect, and you can’t satisfy everyone all the time.
Well, after working with Beau, Danica, and Transparent Mortgage (TM) team throughout the entire loan process, I’m happy to say that their five star reviews are legitimate and well-earned.
TM was actually the second lender I contacted by submitting the contact form on their website. The first lender never got back to me. But within minutes of filling out the form, Beau called me. In speaking to him for the first time, he struck me as very straightforward and honest. If he had tried to sell me a bunch of false promises, I would’ve searched for another lender.
Every part of the process–from pre-qualification to closing–unfolded quickly and mostly smoothly. Beau and Danica were organized, flexible, and highly communicative, morning, noon, and night. I submitted and signed almost all paperwork electronically, which made me very happy not to waste time and trees.
Of course, not everything went perfectly. Underwriting had some silly requirements, like having me close my LLC (removing my business and business expenses from my taxes might make it appear as if my income and purchasing power has increased, but the expenses still exist in reality–and if I can’t claim the expenses, I end up owing more taxes, giving me less money to pay the mortgage). But that wasn’t a TM requirement, it was a federal requirement. I also feel like I shouldn’t gotten a little bit lower interest rate. Furthermore, there were some numbers that were calculated incorrectly that almost delayed closing. And I had to drive an hour, roundtrip, to sign the paperwork to ensure closing happened on time, even though the title company had a mobile notary available.
For these reasons, I almost dropped the review to four stars. However, I didn’t because of the way in which Beau and Danica dealt with each less-than-ideal situation. They always responded within minutes at all hours whenever there was an issue and quickly worked to resolve each one. When they couldn’t resolve something, they were up-front and honest and worked with me to find creative alternatives.
All in all, TM merits the five stars not because they’re perfect but because of their top notch way of dealing with things when they don’t go perfectly.
If you are looking for a trustworthy, reliable, knowledgeable and professional loan officer, Beau Hodson and Transparent Mortgage should be your first and last stop! Beau was extremely quick to respond and answer any questions as well as calm any nerves throughout the process. Beau spoke to me as if I was a friend or family member and not a “client.” Beau gave me his personal opinions on situations and made me feel extremely comfortable with the process in its entirety
I just finished refinancing my home. Beau was able to get me a great loan through BofA; he kept them honest and provided great liaison support when they weren’t responding to me. He is absolutely the best to work with. Very professional and very quick to respond to my emails and text messages. I give him the highest rating possible!!
Beau and Danica were so awesome to work with during the home buying process-we cant recommend them enough. They were patient with answering any questions we had (and, there were tons since this was our first time buying a home) and were very responsive. We had an incredibly quick escrow and they kept things moving along-faster than everyone else involved in the process. We plant to use them in the future and recommend them to everyone.
Beau, heather and the team are amazing!!! They work around the clock for their clients, updates on a regular, would answer and explain every question I can think of. Beau even took the time out of his day to call the sellers agent and let them know that we are a solid buyer. Such an easy close because of them! I highly recommend them!
Beau and Heather at Transperant Mortgage couldn’t have been more efficient and accommodating with our recent refi. We’ve done several of these over the years and I gotta say this was the easiest and the most effortless one of them all. They handled everything!
Also, thanks for the thoughtful holiday card for the July fourth weekend.
Corey & Monica.
We’ve now done two more refinances with Beau and his team. We’re still very happy with their high level of service and variety of approaches and options towards qualifying for loans. Please note that we’re in Orange County and we have yet to meet in person any of the players at Transparent Mortgage. We love how progressive they are in making the entire process as easy as possible. Everything that can be electronic, is.
Purchased our home in late April of last year…finally getting around to writing the review, but this should come pretty naturally, seeing as working with Beau and his expert team was memorable. They are as they claim, transparent. Walk you through every step of the process, answer the phone, make time for you, act in a professional manner and they really opened our eyes to the process.
We were first time buyers and they made us feel extremely confident in our decisions, as well as get exactly what we wanted. Can’t thank you guys enough. We had one hiccup in the estimated timing of closing, but they made it right…immediately. Which to us, shows they are the real deal. When purchasing our next investment property, they’ll be the only call we make…and our tremendous realtor. My only wish was that more companies in general act as Transparent Mortgage does, the business world would be a better place. Congrats on building a company with values and integrity; you’re bound to go far!
Im a Realtor in San Diego that recently closed a sale with Transparent Mortgage who worked as my clients lender and have to say that I couldn’t have worked with a better team. These guys are true to their name and provide amazing customer service and transparency along the way. This company has surpassed all expectations and truly went above and beyond for my client and I.
Danica, Heather, and Beau, thank you so much for all your help and hard work! We will definitely be doing more business together in the future.
I found Transparent Mortgage searching Yelp for the best mortgage broker and after reading all the good reviews I decided to apply. Heather and Beau started working on my loan application immediately and provided pre-qualification in record time.
There were a few challenges during the process, but Heather and Beau worked hard to resolve them. Beau was extremely helpful in answering all my questions regarding the loan process, interest rates, etc.
Once we found the right home, Heather and Beau worked closely with all parties to close escrow in less than two weeks.
I found Heather/Beau team to be extremely professional and highly recommend them!
I’ve had the pleasure of watching Beau work his mortgage magic for over a decade now and I can honestly say he is one of the most genuine, transparent, honest people and business men I’ve ever known. Absolutely work with him and his team if you want superb service and the kind of communication you deserve.
I reached out to Beau after reviewing Yelp reviews for a few highly-rated (5-star) mortgage brokers. I decided on Beau and Transparent Mortgage after reading these reviews here in detail, and I agree with all of them. Beau (and Heather) were excellent to work with! Outstanding service all around! I highly recommend them!
Buying our first home 35 years was one of the most anxious moments of our adult life. My wife Christine and I are so grateful to personal attention, thoughtfulness and kind approach of Danica White. I am in sales myself and customer service is such an important key factor to our survival – Customer Service with Danica White was beyond all my expectations. Thank you, Thank you, Thank you!!!
My parents and I had a fanstastic experience with Beau and Heather, they’re a great team! Beau came recommended by my sister, she was referred by another friend, as you can tell it’s been a referral frenzy! We are located in Los Angeles, despite the distance they made the process very very easy! They always responded to emails same day and pushed through the refi despite a few hiccups along the way. My only “complaint” was the notary company that was sent didn’t have any available spanish speakers, not really their fault but it would have been a easier as my parents are primarily spanish speakers. Overall experience 5 stars in our book! Can’t wait to refer a friend to keep the referral ball rolling!
I was very pleased working with Danica (and Beau). Danica went above and beyond to secure the loan for my condo. I couldn’t be happier that I chose to work with TPM. Originally I was working with another mortgage company who I dropped because of poor communication, so it was great to work with an attentive and knowledgeable company after feeling neglected by the former one. Danica was available when I had questions, talked me through the difficult processes and educated me along the way! She’s the BEST!
I have had the pleasure to work with Beau on the escrow side. He is an exceptional professional and highly qualified to help home buyers/borrowers with their loan financing. We have been working with him consistently for the several months and I see the high level of service he provides his clients. If you are looking for an amazing loan officer, you will be in fantastic hands with Beau and his team at Transparent Mortgage.
Beau and his team have been amazing to work with! They offer outstanding customer service and are completely up front with pricing and terms. You won’t find any surprises working with Beau, and that’s hard to come by. They’re incredibly organized and also very communicative; which I think are the two most important pieces of buying a home or refinancing your loan. Absolutely would recommend them to anyone possible.
Home buying in San Diego can be a daunting task to say the least. However, Beau and Danica really made the process as painless as possible. Super, super fast response to any and all questions, and helped me to find the best deal for our mortgage. In the future I fully intent to reach out to Beau and Danica for any services we need, and have already given their information to several friends and family!
I connected with Beau while I was in search of a mortgage broker to help me with the purchase of my first home and I couldn’t have been happier with my experience. Both he and his team are not only extremely helpful, knowledgeable and professional but are all around just great people to work with – and it’s a nice change to work with a company that is truly invested in your experience and results. Transparent Mortgage definitely lives up to its name, delivering an unparalleled level of personal service and I will continue to refer friends and family whether they’re looking for a new loan or to refinance.
Beau and his team recently helped me with my first mortgage and I couldn’t be happier with their service. We got a good rate and expert advice. Beau answered a million of my questions with authority and clarity. He saved me thousands of dollars by urging me to lock in my rate at the right time. Danica was equally valuable in keeping all the paperwork straight and helping me through the approval process despite my inexperien
Another super satisfied customer. To be honest, I had originally financed my house with my brother’s ex and as rates had dipped, it seemed like a good time as any to refinance. I had been with this other company through this relationship, but didn’t feel necessarily any loyalty to stay, but as I’m fairly busy and travel a lot, just was going to refi with them because it was easy. Until one day, the other company demanded that I sign some document within a day, and I was travelling for business. I told them from the get go I was very busy, and travel a lot and am not always available for signing, and since I couldn’t make that date, they told me I could continue to refi but the rate would be higher. At that time, that’s when I started shopping around. I found beau on yelp, but also looked at my bank, and some other places. Beau provided the best rates, and when I made it clear to him and heather that I do travel, they went through hoops to make sure that my schedule was accommodated to make this work. I appreciate their transparency (ha!) and getting back to me about questions/responsiveness, even in the face of what I’m sure were pretty amateur questions since I’m new to all of this. I think they get that this is a long term committment with a lot of money for folks, and appreciate that, so instead of giving attitude (like my previous mortgage place) they were patient and kind, even when I was a bit short and curt. THey had a travel notary who was super nice and thorough, come in on a Saturday to get the papers signed before hte window closed, and have been helpful even after close, which I appreciate (e.g., when do I have to pay my mortgage?) I have even now referred them to my parents, who closed on their refi today. Thank you heather and beau!
I recently represented a Buyer on the purchase of a home and the buyer chose Beau Hodson with Transparent Mortgage for the loan, and he was fantastic. He is a great communicator, which was important for this first-time-home buyer. He was eager to please and readily available for the many questions this home buyer had. When objections came up he was proactive at solving problems, which really made this to be a smooth transaction.
I would recommend using Beau Hodson for your next home loan.
Brent Cole – Realtor, Welcome To San Diego Real Estate
Beau and Heather truly take pride in what they do. They are very friendly and profession
I highly recommend Transparent Mortgage. I had literally no idea what I needed during my refinance, or from a mortgage broker, only that I needed to get it done before rates rise. I worked with Beau and Danica, who were both very helpful and patient with me. They really laid everything out in a step by step manner and made it abundantly clear what I could hope to accomplish. Thanks guys, you’ve got a customer for life!
Beau and Heather truly take pride in what they do. They are very friendly and professional. They consistently followed up to make sure all of our documents were in order and that we were covering all of our bases. In addition, they were able to get us a very good interest rate. They handled our initial home loan as well as our refi a year later. I highly recommend Beau and Heather to anyone!
I applied for a loan with Transparent Mortgage and it was a pleasure working with Beau and Danica. They delivered what they promised, on time, and kept me informed of throughout the entire process. In this day and age, it’s very difficult to find such great services from a Mortgage company. I wish there are more companies out there like Transparent Mortgage that you can count on to deliver. Thank you so much
I would recommend everyone to put Beau at the top of their list as both a mortgage broker as well as a resource to talk through any and all mortgage related products/options. Even when he doesn’t have the products to offer you (which 9x out of 10, he will), he will still take the time to talk through options, ideas etc or offer a 3rd party unbiased review of what you’ve been offered by another company…. To me, that is a person of character as well as someone that you want to stay close to. I’ve used Beau’s lending services as well as bounced ideas off of him and he speaks from a place of knowledge. Do yourself a favor and put Transparent at the top of your list.
Transparent Mortgage is great! I spoke with Beau, and he was so kind, prompt, and very helpful. He took the time to answer all my questions, in detail, helping to give my family a clear idea of what kind of home buying goals might be attainable for us– even without us sending him formal paperwork etc. Once we have all our documents together, we will for sure be working with him to make our home-buying dream happen!
I contacted Beau to inquire about refinancing my home. He called almost immediately to introduce himself, chat a bit about my situation and shortly after, sent pricing information over. The following morning, he provided me an updated quote for a conforming loan. He was very thorough in his communications, provided me multiple scenarios when asked and never once was he hesitant to respond. I then came across an issue with having the Hero program on my lien and although I was not certain I will move forward with him, he still took the time to research the information for me. He spent the next two days doing the research. Wow. He understood that there was a possibility that I would go with another lender as I was shopping, but that did not stop him from doing what’s right for me. I was very, very impressed by his professionalism, his prompt follow ups, his continued efforts and eagerness to help. His honestly and genuine personality provided me a sense of comfort and ease knowing that I can trust the person that I’m working with. Now, he continues to be my go to for loan inquiries for my friends and families. I was really wowed by his level of service and still am. I would definately recommend him to anyone looking for a trustworthy mortgage broker!
Chris and his Team at Transparent Mortgage were great to work with in getting our 1st and 2nd mortgages when making our recent house purchase. Just want to assure clients that their service and attention to detail is above and beyond what is standard. For us they stayed on top of a very aggressive deadline and made a difficult transaction simple. We highly recommend Chris for any mortgage needs!
This is my first ever Yelp review. I just wanted to make sure that the word got out about Beau and Transparent Mortgage. I’ve been looking for a lender to get a pre-qualification letter to start house hunting in San Diego. The rates I was quoted varied by a full percentage point with each lender telling me that their rates were the best. Finally I called Beau and just told him my situation – that I wanted to use a big bank but that I didn’t trust the service from the agents at the call centers. Beau did some research for me and identified a lender he knew and trusted at a big bank. WOW! Someone to take the time to help me and get nothing in return? That’s unheard of! If you are shopping around for mortgage lenders, you should definitely check out Transparent Mortgage. Honest and helpful people with the desire to help you find exactly what you’re looking for in a home mortgage loan!
I reached out to Transparent Mortgage based on their amazing yelp reviews and the service definitely lived up to my expectations. My inquiry was quickly returned and Beau and I discussed my mortgage needs and goals openly and honestly. In the end, Beau and his team were not able to provide me the mortgage product I was looking for however Beau personally reached out to his contacts in the industry and was able to locate and put me in contact with a mortgage banker who could. This was definitely not something that Beau had to do and was done for no other reason than him wanted to provide the best service possible to me and my family. This to me is shows the character of Beau and his team which I would recommend to anyone!
I highly recommend Transparent Mortgage to anyone seeking a home loan. Beau Hodson and his staff, especially Heather, are highly professional, knowledgable, and honest. Beau was very quick in returning calls and emails, and setting my mind at ease during the process. He patiently addressed my many questions and concerns, and he worked hard to obtain a loan that suited my needs.
I also give high marks to Beau’s creation, the “Visual Mortgage Dashboard” which provides the client with updates on the status of the loan!
We had the best experience in our mortgage application process ever! We spent all day in weeks to read every reviews on more than 20 lenders all over the country in order to find a reliable, honest, and efficient mortgage lender; we finally decided to go with “Transparent Mortgage” for several reasons; first and foremost, we wanted a local lender according to many reviewers’ advice, to which was to pick the lender in the same local area of your house hunting location. Secondly, we talked on the phone with the owner of the company, Beau Hodson, and went to his office to kind of getting to know who he was and how comfortable we felt about working with him. Our impression was superseded our expectation in every way. Thirdly, we strongly felt in our gut that this was the one to do business with.
Anyone who went through applying for a mortgage would know how tedious and time consuming of these processes were. There would be many questions alone the way during the processes for sure, thankfully, we had Beau to rely on. His helpful knowledge and responsiveness had always given us sense of comfort and confidence. He also had a very wonderful team working for him. Heather was one of a reliable hard working assistants. She worked so hard, many times, we received her emails for the updates on the process into the late evening, and even in the weekends. We just couldn’t say enough good things about this team works and our gratitude to Beau and his amazing team. We honestly believe in our heart that this Transparent Mortgage Broker Company is a rare find in the same kind where honesty, sincerity, and reliability are its trademark and representation.
Cant say enough about Beau! Anytime your dealing with mortgage lending there seems to be hidden fees or things that are not so transparent. Beau and his team are the exact opposite. Moreover, Beau is well connected in the community and can link you with the appropriate individuals based on your circumstance.
My Agent recommended Beau. Typically I am nervous dealing with any broker, but Beau’s team was perfect because of the transparency. Beau and his team worked around the clock to make the deal happen, and I could not be more thrilled with how it ended. I ask a lot of questions, and no matter how many times I needed an explanation, Beau was there to answer. I will be a repeat customer. Many thanks Beau, I love what you have going on.
Beau was outstanding in explaining from the start every step of our VA loan and giving us all the information we needed in this big life purchase. I’m so glad I didn’t subject myself to the extended closings and 1-800 impersonal headaches of the “big box” Navy banks. Beau was also able to get me the most competitive VA rate on the market and save us thousands in closing costs.
I could not have found any mortgage broker other than Chris who’s professional ability, knowledge and caring for his clients is unsurpassed. Not only did he explain the entire loan refinance process and all documents needed to facilitate a smooth completion of the loan, but he also has his finger on the pulse of the market rates and will stay in constant contact with his clients to always do what is in their interest. The honesty and integrity he has is rare in today’s world and I will certainly recommend him to anyone in need of a new mortgage or refi.
Chris is among the most professional loan officers I know. He is not only extremely knowledgeable about the mortgage industry, he is very generous with his time helping you understand the subtle nuances of the loan process. My experience of Chris is that he is willing to put the client first every time and is committed to telling it like it is, which I find refreshing in the mortgage industry. I wholeheartedly recommend Chris, whether you’re looking into refinancing or purchasing your dream home.
Chris handled two different transactions for us in the Northern California marketplace. Both were done with complete professionalism and and resulted in an excellent refinance. The new requirements necessitate a lot of paperwork and documents. Chris steered us through the maze with great advice and needed explanations. In both cases, Chris made the process a breeze. Our closing was scheduled as predicted and the entire process was handled as represented. We couldn’t be happier with Transparent Mortgage and Chris Gonsior.
Chris Gonsior is a seasoned professional who provides great service and gives sound guidance to ensure that each client receives the best loan terms for his/her individual situation. Chris is conscientious and has a very Midwestern sensibility, which is very refreshing in the Southern California mortgage market.
I have worked with Chris on multiple occasions and he is an absolute professional. Unlike many mortgage people I have worked with in the past Chris actually cares about his clients and does everything he can to ensure that they get the best deal possible. He is one of the few people in the industry that understands that if you take care of your customers they will be repeat customer and they will refer you to their friends. He is knowledgeable and has solutions to any situation. I would refer him to any of my friends or colleagues.
What a great experience it was working with the people at Transparent Mortgage! I’ve refinanced before elsewhere, but never has the process gone as quickly and smoothly as it did with Chris and Heather at Transparent Mortgage.
Chris is very knowledgeable about what he does. He’s extremely friendly and took the time to explain every step of the refinancing process clearly, which for someone like me, can be daunting. He took the stress out of whole process. When talking to him, it is obvious that his number one priority is making sure his client’s goals are met.
His closing coordinator, Heather, was also extremely helpful. She kept me informed of each step along the way through daily emails. She was indeed a pleasure to work with.
Transparent Mortgage is an outstanding company with an outstanding staff. I would definitely recommend Transparent Mortgage to anyone wanting to refinance a home loan.
Chris is simply as good as it gets in terms of a mortgage broker. I have bought, sold and refinanced a few different homes now and have had some pretty awful experiences. However my experience with Chris was built on honesty and professionalism from day 1. He guides you through all of your options keeping your best interests in mind at all times and making you feel like you are his only client every time you interact. After smoothly completing your transaction he’ll continually keep an eye on your situation and contact you if there is an advantageous opportunity to re-finance or otherwise.
I could not recommend Chris more as a broker or as a simply great, honest person.
3 years ago I was looking for a mortgage broker to handle my new home loan and with the advice from my realtor I started working with Chris. Looking back now I can say I was truly fortunate to be referred to someone so genuine. He explained everything to me with such care and concern. And even when I called him frantically when the banks had raised their rates he took the time to calm me down and reassure me that all would work out. Chris always went above and beyond so when my parents were in the market to refinance their home I naturally referred Chris. And just as he was with me Chris treated my parents with the upmost respect. Seeing how amazing Chris was with myself and my parents, my sister started working with him when it was time to purchase their new home. I am so lucky to have Chris in my corner and just as I have referred him to all of my family I highly recommend him to all of you!!
My go to mortgage professional!
I have used Chris for financing my homes for many years. He provides great service and professional financial guidance. You will find him to be very friendly and welcoming with honest advice. He has always taken the time to go through the financing process step by step to ensure I was confortable along the way. I highly recommend him and his services to anyone!
Chris is just an awesome , awesome guy .Went through the entire process with me and am very happy to have found him ..Being a first time home buyer I had thousands of questions and he had all the questions answered and patiently ..Very happy to have found Transparent and Chris !! he is very sincere and a consummate professional and gives a lot if importance to customer service which should be the number one priority in this business.
I whole-heartedly recommend Beau and his team at Transparent Mortgage to anyone looking to buy a home. In working closely with Beau as a business colleague, I know that his commitment to providing the highest level of service to his clients is far above the rest. Beau has a firm sense of ethical integrity and a strong desire to do what’s right for his clients. You can’t go wrong with the Transparent Mortgage team!
I have known Beau Hodson and the Transparent Mortgage team for over 1 year now, both personally and professionally, as I work on the Symphony Tower office suite with them. Beau, Heather, and Elena are people I have come to know and trust. I will continue to refer family and friends to them because of the commitment and personal service I have seen them give to their clients time and time again. There are many mortgage brokers and mortgage lenders here in San Diego, but very few that operate with the level of honesty and integrity that Beau and his team does. When it comes to Transparency they are much more than just the name, they walk the walk. They also specialize in FHA, VA mortgages and VA home loans, which is great because my sister and several of my friends are in the service currently, and may very well be looking to buy in the future.
Having been in the real estate and lending business for 25 years I can say that companies like Transparent and brokers like Beau are not easy to find. I was looking for a very specific product to refinance a rental property and Beau found it. He then proceeded with a loan process that was efficient, upfront and fair. I look over my deals with a fine tooth comb and Beau’s model is representative of the name. And because of his product choices he can match the most aggressive rates out there. I highly recommend Transparent.
We can’t thank Beau and his staff enough for making our transition back to California such an easy one! We were a bit anxious about doing everything from 2500 miles away, but it was so helpful with the virtual dashboard to keep us informed every step of the way! We are loving our new home and being back with family! Awesome company!
Being a first-time home buyer was intimidating. My husband had owned property before but this was my first experience. Beau and the Transparent Mortgage team did a great job at simplifying the process and explaining every step of the way. His team was easy to communicate with and they responded quickly when we had any questions. They also pulled together the financial side of things really quickly to make sure that we could close on our home on time. Whether this is your first home-buying experience in San Diego or if you are looking for an excellent team to help you through the mortgage process, I highly recommend working with Transparent Mortgage.
I had no prior experience in purchasing a home and chose to work with Transparent Mortgage because of their Yelp 5 star rating and relevant/helpful reviews. After meeting with Beau and Elena in person, I was satisfied with their professionalism and decided to move forward with getting pre-approved and purchasing a home. In our first meeting, they asked me what form of communication was best for me as opposed to assuming one form or another and wasting countless man hours. From the very beginning, Beau and his team were clear and concise with what they needed from me as well as realistic when it came to setting a timeline. I was never lost or confused about where we were in the process. Each step was executed quickly and without error. If something were to pop up along the way, I was informed immediately in order to meet the various checkpoints on time. Any and every question I had was clarified or referred to someone who could provide clarification. I always felt they had my best interest in mind. I was offered multiple mortgage options and presented the pros and cons of each option. I never felt coerced or deceived. Each step or decision that was made by either myself or Beau was explained and the impacts of that decision were also made transparent. When I told my friends and family I was considering buying a house I suffered through countless horror stories about falling out of escrow or losing a dream home due to inactivity by the mortgage company. After closing, I have nothing but great things to say about Transparent Mortgage. I have and will continue to recommend Beau and Transparent Mortgage to anyone interested in purchasing a home.
My fiance and I had found our dream home in Minnesota and had started out with a local lender who we were long time customers with in May of 2015. We were pre-approved by this lender and went all summer (the seller wanted one last summer in their house) believing we had done our homework and as soon as I sold my house we would be good to go. Middle of August the local bank refused our loan. Transparent Mortgage was a referral and I called them immediately. Within a month we had closed and are now living in this very special home on the river. Without Beau’s rockstar team (Adam Rachlin and others) and their creativity, connections and speed we would have lost this home. Adam was “on it” it from the start and was patient and able to explain every step of the process. I’m indebted to them and very thank full we found Transparent Mortgage.
Transparent Mortgage was recommended to me from a trusting friend. I spoke to Beau Hodson about my situation and the amount of time i had been trying to find a banks/credit unions in helping me refinance my parents home and save their mortgage from continuing to rise (ARM 5 year). All denied my situation because of my debt to income ratio. Beau made the impossible happen, he was able to help me get everything together and show that I was capable of achieving taking on another mortgage. Transparent Mortgage had me informed all the way through the funding process with email, phone conversations and a dedicated dashboard site which tracks the progress of all the documentation and response with the lenders. Thank you so much. I will push my parents to refinance their home with Transparent Mortgage, once again Beau Thank you.
I was looking for someone to help refinance my home and the company choice for me was Transparent Mortgage. They had been recommend highly by many friends of mine, so it was an easy decision. Being the professionals they are, refinancing went fast and smooth. They gave me multiple options and guided me on which would be the deal one for me. So my recommendation is if you need quality team working on your refinance Transparent Mortgage is the one!
A friend referred me to Beau and I’m glad he did. Beau never sounded rushed or agro when I spoke to him and he always returned my calls immedately. I didn’t think my refi would be a simple one but Beau kept things positive and moving along in the right direction. He made it all happen without a hitch. As Heather was working on my refi she kept me in the loop during every little step and was a pleasure to work with. Thanks to a great team and I would recommend them in a heartbeat.
Great company to work with! My husband and I got pre-approval easily and stress-free. Beau and Elena have been very professional, always responded to our phone calls and answered all of the questions that first time home buyers might have. I highly recommend to get a loan through Transparent Mortgage, they have great selection of products and competitive rates! Nothing but only positive experience! They gave us lots of advises how to improve our credit scores, very helpful!
Beau Hodson of Transparent Mortgage and his staff deserve recognition. They reported daily via computer daily progress reports. The report reflected the day’s progress as well as the next days necessary steps. His company is called Transparent because that is what it is- transparent. There is no guessing or hidden fees. Quite the contrary; Beau was able to find us credits, rates and other strategies for saving me money. Ethical and upfront. I would highly recommend his services.
This is the second refinance I’ve done with Beau, and I wouldn’t dream of going to anyone else. Beau and his staff are knowledgeable and patient, and clearly explained every step of the process to me. Beau and Heather are a pleasure to work with, and I am so grateful to them for all their help. I highly recommend Transparent Mortgage.
Stop! Look no further. If you’re in need of a mortgage broker/lender Beau and his team at Transparent Mortgage are the best in the game. My fiancé Justin and I were referred to Beau via our Real Estate Agent, and what a five star referral it turned out to be.
Justin and I found the perfect house to make our own…….a once in a lifetime kind of home. With tight timeframes required as part of the escrow process and with EMD on the line, we needed a team that could deliver and that’s exactly what they did.
We are both Type A personalities, and my fiancé is very particular about how things are done. Beau and his team exceeded even our high expectations. The entire escrow and loan funding process was fraught with challenges…..Murph
Although I can’t imagine us ever wanting to leave our dream home, I do know that Transparent Mortgage is the only mortgage broker/lender we would ever use if we were to buy something else. We will also refer all of our friends to them. Thank you, Beau, Heather, and the rest of the Transparent Mortgage team!
I highly recommend Beau as your broker for your next home! Beau was referred to me via my FA and he worked diligently to find me the specific mortgage I was interested in. I was extremely impressed with Beau’s professionalism, responsiveness, and lobbying for me (the consumer.) Beau has strong relationships with his partner banks and you truly feel that you’re being catered to specifically due to Beau being on your side. In my case, Beau didn’t even take a commission and referred it to one of his partners who had a very specific loan that met my needs. I would and plan to recommend Beau and Transparent Mortgage to anyone looking for a loan.
Selling our home of 39 years in Pennsylvania and buying a new one 3000 miles away was a bit “daunting” —scary–and yet exciting. Beau and the team at Transparent Mortgage took the scariness out of it for us — so very informative, responsive to every one of our 100+ questions. They were utmost professionals! We highly recommend them to anyone buying a home.
If you are looking to refinance your home Beau Hodson and his team at Transparent Mortgage are hands down the best in the industry. They provide exceptional service and did a phenomenal job refinancing my house. Beau is extremely knowledgeable, trustworthy and direct in his communication which made me feel very comfortable during the whole process. Beau is a pleasure to work with and I highly recommend him to all my friends and family.
Beau and Heather were amazing – as first time homebuyers we were fairly “lost” but TSP made it easy for us to understand the process. They also have a lot of great tools like a visual dashboard that shows step by step progress towards securing the loan. I would highly highly recommend them (and using a mortgage broker in general). 5 STARS!
A friend recommended I get in touch with Beau about refinancing. I’ve got two properties and emailed him about both to see what he could do. I appreciated his quick and honest replies. He recommended against doing anything with the first property since it wouldn’t be in my best financial interests but mentioned he thought he could do much better on the primary home mortgage.
He stands by his work and delivered the APR exactly as promised. His company provided daily updates without fail, so I was never left wondering where we were in the application process we were. Transparent Mortgage even checked in a few weeks after the whole process was complete to make sure we knew how to contact the new lender.
I would definitely work with Transparent Mortgage in the future.
I would give more stars if I could. There are no words to describe Beau’s dedication and hard work. He helped me refinance my house in the middle of a contentious divorce. Just to put his tenacity into context, this was in the middle of the holiday season when offices were closed for the holiday break and the refinance needed to be completed before the end of the year (an obviously tight deadline to meet). I would receive multiple updates by Beau everyday letting me know where everything stood and the options available to me. He walked me through every step of the process. I have referred him multiple times to family and friends looking into buying a house. He provided an outstanding and invaluable service! He makes the impossible happen.
I have completed multiple real estate purchases and refinances and I wish I had found Transparent Mortgage sooner. Beau and his team make the process understandable and painless in a way that I had never experienced working with other loan brokers or directly with the banks. They can explain the loan process thoroughly and are an incredible help with processing all of the necessary information in closing a loan. I am happy to extend my highest recommendation for Beau and the rest of the team at Transparent Mortgage, and recommend them to my own clients and friends on a regular basis.
From my first introduction to Beau Hodson and Transparent Mortgage my needs and expectations were met. Beau is a true professional. He understood my needs, extremely tight timeline as well as the fact that I had a understanding of his business and knew what I wanted and how I wanted it structured. As our deadlines approached and Beau was receiving pressure from all sides, he remained cool and collective and communicated only facts and realistic timelines. I am very appreciative of Beau and his approach. I will not only use him again, I will recommend him as a standout in an industry plagued by its past.
Beau and his team delivered quality service and care from beginning to end. While one hopes any service provider meets these requirements, Transparent Mortgage takes the experience to the next level through their due-diligence, proactive follow-up, and knowledge of the process. Initially, I was referred to Beau and Transparent Mortgage after informing a friend that I was looking to refinance and going through the Lending Tree online process and search. The issue I had with utilizing that service is the endless phone calls received from solicitors and the extraordinary time commitment. Anyone looking to refinance their mortgage or gain industry knowledge about what the process should feel comfortable reaching out to Transparent Mortgage. I valued their perspective, advice, and counsel.
Beau and his assistant Heather are fantastic! Extremely knowledgable when it comes to refinancing, and a real pleasure to deal with. They answered all my emails, phone calls and texts with tremendous efficiency! They truly understand customer service, and will do whatever it takes to help you throughout the process. Thanks again Beau and Heather you guys rock!
Beau’s commitment and dedication to his customers is what sets him apart from other Mortgage Brokers. His work ethic, professionalism and integrity towards communicating each and every step of the way is informative and accommodating for new home buyers. When choosing a mortgage broker to work with, I highly recommend you start with Beau and Transparent Mortgage.
My wife and I were first time home buyers recently and we can say only positive things about our experience with Beau. I was blown away by how easy he and Heather made the process for us. He took time to explain the whole escrow process and was very prompt at responding to our questions and kept us at ease throughout. Thank you to Heather for her daily status updates. I will definitely use Beau for our future refi’s and/or with our future purchases. I will absolutely refer him to anyone I know.
Beau and Heather have helped me on multiple transactions as my mortgage broker. Their home loans are extremely competitive, second only to their level of customer service. Beau is a great mortgage broker, and his is extremely nice. They are very communicative along the way, and they have a very high level of integrity. If you need a home loan, give them a call
Beau’s excellent service has helped my client’s first home buying process as smooth as can be. His knowledge and expertise has helped ease and guided my clients thru today’s seemingly endless stringent mortgage hoops. Beau and Heather, they are just what you needed for an on time closing and more importantly, happy and satisfied Buyers.
Beau is an excellent mortgage broker who provides a level of expertise way beyond what most people get these days when doing a loan refinance or home purchase. Through Transparent Mortgage, Beau’s excellent knowledge and service offers every client a hands-on approach that actually keeps you in the loop about your loan from day one all the way through closing. If you’re looking for a mortgage lender that truly cares about you, and will be there for you when you have questions or need advice even after your loan closes, stop searching and give him a call.