Here are a few comments from my rapidly growing group of  satisfied clients:

"The first two words in buying a home or refinancing should be "Mark Smith". He got us the best rate available on the market, one that was much better than we'd imagined, enabling us to save money. His counseling through the refinance process was invaluable and his guidance made the complex process of the refinance a breeze. Mark has our family's future business. "

                 - Paul and Tiffany, Mountain View. Refinance and Line of Credit

"Mark takes his job and responsibility to his clients as personally as anyone could ever ask. Thanks to Mark's professionalism and level of service, my wife and I were able to focus on other important aspects of our search for the perfect home, comfortable in the knowledge that we would be able to survey the best financial options available when it came time to secure our mortgage. "

                                            - Bill and Jeannie, Hayward. Purchase

"It was a real pleasure working with Mark Smith. I had start working with another broker company and they promised me a great rate and then at the last minute changed the rate on me. Mark told me if anything went wrong a to give him a call because he could get me a good rate. And he did. I refinanced my loan in a short time and the rate and terms were as Mark promised. I would strong recommend Mark Smith to anyone refinancing a home. "

                                            - Cynthia, San Jose. 3-unit refinance

"A big thanks to Mark for taking all the pain out of refinancing. It went so smoothly and no hassle paperwork. I just had to show up to sign. Got a great rate and am very pleased! I would certainly recommend Victoria Capital as well as Mark. He was a gem to work with!"

                                            - Leeanna, San Jose.

"Mark Smith provided extraordinarily prompt response and communication throughout the process of refinancing our home. We never felt pressured and information was always consistent and accurate. (We have not had similar experiences in the past) Mark has the most valuable asset in a person.... Great Integrity. I would gladly recommend Mark as a loan broker to anyone. "

             - Nik and Heidi, Dublin. Cash out Refinance for Home improvment.

"Mark was the first loan broker that I have worked with (in 20 years of refinancing) that actually delivered what he promised. I now have the lowest mortgage interest rate that I have ever had. Mark is a pleasure to work with and I would recommend him highly. "

                                            - Belinda, San Jose. Rate and Term Refinance

"When Mark at Victoria Capital  said he could get us a No Points No Fees refinance on our home in Los Gatos, thats what he delivered! We got a great rate and didn't have to  pay a dime for our loan. The whole process was explained to us in detail and everything went smoothly and on time! "

                                            - Eugene, Los Gatos. No Points, No Cost Refinance

Wanting to take advantage of low interest rates and to consolidate high interest credit card debit we started searching the internet for the "best" deal. The plethora of sites with what seemed like enticing deals was bewildering. Fortunately, I was referred to Mark at Victoria Capital through a friend. I received personal attention and the help to identify the best loan to meet our requirements. Mark met us in our house and patiently walked us through the loan application - he stayed in touch informing us of the next step and what to expect, which provided the reassurance that we were valued customers. The loan representative also attended the close of Escrow signing to ensure everything went smoothly and there were no last minute surprises. We are now enjoying the considerable advantages of a refinance loan and rate the experience as outstanding.

                         - Mike, Sunnyvale. Cash out Debt Consolidation Refinance

"Mark was a pleasure to work with on my recent refi. He was professional, engaging, and effective. I'd recommend him to my mom! "

                                            - Jody, No-Doc Cash-out Refinance, Los Gatos

"We couldn't have purchased our first home without the help, guidance and expertise of Mark Smith at Victoria Capital. He went out of his way to accommodate our needs and added a personal touch and element of trust to the experience that we will never forget"

                 - Mrs and Mrs C., 1st time home buyers - 100% loan, Campbell

"As a first time buyer, the process of getting a loan can be confusing and troublesome without the full understanding what one can do and can't, but, fortunately, I was able to get in contact with Mark and He was able to take me through the whole process hassle free and with peace of mind since his open communication and professionalism gained my trust and now I own my first home and I am very satisfied of having Mark work with during this important transaction in my life. I definitely recommend his services. Thank you very much, Mark"

                                            - Mrs and Mrs V., 1st time home buyers - 100% loan, Campbell