First Cal Scranton

100 Recommendations

Anonymous recommends First Cal Scranton
Mar 12, 2014
I want to thank the First Cal Mortgage Team for the hard work and dedication you devoted to getting my wife and I our mortgage. There are very few people willing to go that extra mile to get the job done and your Team is definitely one of those few. We appreciate what your Team did for us. I finally don’t have to pay rent. I've been telling everyone about the excellent work you did for us!
Dr. Sadiq recommends First Cal Scranton
Feb 27, 2014
Overall, I had a great experience with Jesse and his staff procuring a mortgage loan for my second home. There was great communication in a timely fashion and no hiccoughs. I have no reservations recommended Jesse Tenenbaum for his knowledge, expertise and professionalism. If you want your loan to fund on time at a good rate Jesse is your go to guy.
Jessica C. recommends First Cal Scranton
Feb 18, 2014
Roger Kube of First Cal was recommended to me by my mother when I was beginning my lender search and home buying process. Roger made the process simple and smooth. He was always available and didn't come across as overly anxious/aggressive like I have experienced with other mortgage brokers in the past. He seemed to actually care about making the lending process less stressful and made himself readily available to answer any questions or concerns that I may have had. I would recommend him to friends and family for their lending needs.
Arlo recommends First Cal Scranton
Owner at
Feb 3, 2014
Being a first time home buyer I had a hard time understanding all the paperwork and could have not been more overwhelmed with the process of securing a Mortgage. Roger actually made it a fun journey.

Roger was there every step of the way with outstanding customer service and availability if questions came up. At no time of this transaction was I uncomfortable. Thank you for all your help and service, this could have not gone any smoother for me.

I highly recommend Roger if you are looking for an expert in the field and a smooth transaction.
Suzanne Coleman recommends First Cal Scranton
Nov 19, 2013
Brian and his team are superior lenders that get the job done well and on time! They have amazing follow up programs and always manage to exceed my expectations. I highly recommend Brian and his team. If a loan can be done, they will find a way to make it happen. If they can't, no one can!
Chris recommends First Cal Scranton
Nov 18, 2013
Brian and his team are the absolute best! They have integrity, are good at what they do, and are always willing to lend a helping hand. I would absolutely recommend them to anyone and everyone, and they are the first people I send my clients to when they are looking to purchase a property or refinance.
Sandro Natale recommends First Cal Scranton
Realtor - Big Block Realty
Nov 8, 2013
Brian Sciutto and his team are truly Top Class. I can count on them to get the job done right and on time every time. Thank you to Brian, Nichole, Cathy, Ryan and Christy. When it comes to getting my clients financed, you guys make my job hassle free! AAA+
sandy opalka recommends First Cal Scranton
busy business woman
Nov 2, 2013
lisa is re-fi was so easy,i couldn't believe it.lisa was fast and efficient.
Kevin and Amy Mallery recommends First Cal Scranton
Oct 30, 2013
We would like to thank Brian and his amazing staff at First Cal. We have been trying to refinance for three years and no one could help us. Brian was caring and creative and locked in a great rate for us - we were impressed!! We are very appreciative for all of the money he is going to save us over the next 20 years. Thanks again!
Erling Warriner recommends First Cal Scranton
Oct 19, 2013
Roger was an experienced expert professional. He was also a great guy to work with, I just really liked him. Everyone at FirstCal Emma Sams and CC Palacio were nice and helpful. I am certain his advice saved me money on interest. He came highly recommended and exceeded expectations. Everything worked out exactly as predicted and on time.
Paula Anderson recommends First Cal Scranton
VP Financial Service Manager, First Citizens Bank
Sep 25, 2013
I have been recommending my clients to Lisa for refinancing or for purchasing a home loan I have received all good feedback. My clients say Lisa handles all their questions in a timely manner, she is on top of everything and has made the expereince a good one. I would recommend Lisa Giacomini anytime for a mortgage loan.
Cameron Schiff recommends First Cal Scranton
Retail Manager
Sep 24, 2013
My experience with Lisa Giacomini and FirstCal was top notch. My family and I needed to refinance our home a couple years ago and we were recommended to Lisa. From the first time meeting Lisa to the end of the process, we were blown away by her communication and constant updates regarding the status of our refinance. It just so happened that I needed to refinance again a few months back and of course Lisa was our first choice. As expected, the process was as painless as could be. I would definitely recommend Lisa Giacomini to anyone seeking to buy a home or needing any of the many services she provides. Thanks again Lisa for such a great and valuable experience.

Randy S recommends First Cal Scranton
Sep 24, 2013
A+ service, would do business with Lisa again.
Pontaah A. recommends First Cal Scranton
Happy First-time Homebuyer
Sep 17, 2013
I am very thankful that I had the opportunity to work with Brian Scuttio and his entire team at First Cal Mortgage. Immediately after being referred by my Realtor, Brian got in touch with me to introduce himself. Someone from the team obtained the necessary information from me in an efficient manner, so that we could begin the escrow process as soon as possible. Brian likes to meet all of his clients face to face at the start of the process; in this day of constant e-mailing and calling, I truly appreciated this effort. He took the time to get to know me, went over the entire process with me, and answered the many questions that I had – it really meant a lot and I never felt like just another number on a page. This personal touch is what made First Cal truly stand out above the rest. Once we entered escrow there were nearly daily e-mails, phone calls, or both with updates. Cathleen Warner, Loan Officer Assistant, was assigned as my primary contact and I was very impressed with her professionalism and experience. I always felt like I knew exactly what was happening and what the next steps would be. The entire process couldn't have gone any smoother and I am very pleased with the outcome. As a first time home buyer I wanted to know that I had a team behind me that knew exactly what they were doing while also keeping my best interests at heart – this is exactly what I got from Brian, Cathy, and the entire team at First Cal Mortgage. I would absolutely refer my friends, family, and coworkers to this team.
Tamelah Morris recommends First Cal Scranton
Home buyer
Sep 12, 2013
When my husband and I finally made the decision to buy a home for his parents the mortgage interest rates started to creep upwards. We had to act fast and we needed a lender that was sensitive to this need. We were referred to Roger Kube of FirstCal. Roger was very responsive to our calls, texts and emails. When we were becoming skittish about the rising rates, Roger took our call and listened to our concerns. He answered our questions openly and honestly. We felt comfortable about moving forward. After we found the perfect home for our parents and entered into escrow, Roger again proved his commitment and dedication to our needs. When an issue arose during the negotiations with the Seller, Roger was on the phone with my Realtor and they were able to find a workable solution. Escrow closed in less than 30 days. I would recommend Roger Kube, especially if you want to feel like you are his only client.
John Wilson recommends First Cal Scranton
Sr Buyer Global R & D Life Tech.
Sep 11, 2013
We recently refinanced with FirstCal our agent was Lisa Giacomini . This was our third re-fi in four years first with FirstCal , so we are very familiar with process and what needed to be done. Lisa kept things moving and coordinated all the work in a very timely matter. I appreciated her quick responses and availability to answer all questions and support. The market was very volatile and each day things seemed to changing. She walked us through the all the options and her suggestions and recommendations played out as she predicted. Very happy with her work and company and suggest anyone interested in FirstCal and Lisa to take advantage of their experience and customer service.
B. Lee recommends First Cal Scranton
Super Satisfied Client
Aug 26, 2013
Thank you to you Brian and your team for doing such an outstanding job in helping me get a home loan on my new investment condo. You were able to pull through with a strategy when no other lender could help. Thank goodness Kelly referred us to you or else we wouldn't have been able acquire this property at all. You came to my home so that you could meet with both me and my wife and put our minds at ease and walk us through the strategy, step by step. Additionally, you started working with us after the property was already in escrow and the timing was very tight and pulled off the closing on time as promised. I'm forever thankful!
D Fulton recommends First Cal Scranton
Aug 25, 2013
I was very pleased with our experience working with Brian Sciutto and his colleagues at First California Mortgage. My wife had recently moved to the US from abroad and had no credit established. He worked hard to find a way to qualify us for the loan we needed to get the house we fell in love with. I'd highly recommend FirstCal to anybody in the market for home financing.
Mark West recommends First Cal Scranton
Aug 19, 2013
I highly recommend Roger Kube (mortgage specialist) to help you with the time consuming task of refinancing your home. Roger helped me secure three home refinances in the past three months, one of which was a multi-unit out of state property that Bank of America was having difficulty securing a loan for. Roger takes on the stress for you while finding the best possible interest rates that will meet your needs. Roger is a knowledgeable and caring individual that makes you feel like you've known him for years. Before talking business Roger wants to sincerely know how you've been, how your day is going and any way he can help make it better. He not only becomes a business associate, he becomes your friend. If you're looking for someone to make you feel calm and comfortable during a major financial decision, then Roger Kube and his staff at First Cal Mortgage (Emma Sans) are the people for you.
Kathy Henderson recommends First Cal Scranton
Broker/Associate - Realtor
Aug 2, 2013
I just wanted to say to you "what an amazing team you have"!!!! I have been in the business for over 40 years and have rarely seen such a professional group of people. Please send me cards or flyers. I want to let our entire staff know about you. Thank you so much ~ Kathy Henderson, Realty Executives
Mr. and Mrs. Flores recommends First Cal Scranton
Jul 31, 2013
Roger Kube, Senior Mortgage Consultant at First California Mortgage, was extremely helpful during the process of refinancing our mortgage. He was honest, kept his promises and took the extra step in guiding us through the finest details. He exceeded our expectations! We would recommend Roger without any reservations!
Keyvan Nouri recommends First Cal Scranton
Jul 30, 2013
It was an absolute pleasure working with Roger & his team at First Cal Mortgage. He is the utmost of professionalism, incredibly prompt and fantastically knowledgeable. Unlike other experiences everything with Roger and his team was carefully planned , thoughtfully discussed & I was always aware of the details and the timeline was exactly as predicted. I got a terrific rate delivered on the planned schedule and I could not be happier!! Thank you Roger & First Cal Mortgage you guys are really top of the line !

All the best

Keyvan Nouri MD

Toni Ingle recommends First Cal Scranton
Jul 26, 2013
Lisa was thoughtful while putting my loan together. She was responsive and helpful. If and when I have another loan requirement I would work with her again.
Gabriel Moreno recommends First Cal Scranton
Purchase Client
Jul 25, 2013
As a first time buyer I spend one year searching for the proper opportunity exploring several financial services in order to make this dream possible and the last 3 months of my journey when I meat Brian Sciutto and team from FirsCal thanks to the excellent support from my Broker Monique Matthews is that they guide my journey in the way that my dream came true. Even today with my refinance situation Brian, Ryan and team from FirsCal is working with my in order to improve my credit in order to obtain a better rate.
In conclusion my relation with Brian Sciutto and FirsCal team has been converted as part of my family.
Thank you FirsCal team.
Pete Acherman recommends First Cal Scranton
Purchase Client
Jul 10, 2013
Brian and his team came through for us on our purchase.
This was a complicated transaction.
First Cal got the deal done where 3 other lenders failed.
I don't think it would have happen without them.
Shane Warner recommends First Cal Scranton
Home buyer
Jun 12, 2013
We worked with Roger while financing our new home. He was fast, efficient, and highly professional. He also stepped in and took over the financing for our home buyers after another finance company dropped the ball and our transaction fell out from under us. He was able to save that deal for the buyers, thus saving our deal. Highly recommend.
George Tomaszewski recommends First Cal Scranton
Realtor,40 years
Jun 4, 2013
I have used Lisa for 12 years . Her work is professtional , timely,well done. I recomend her to everyone.
Skit and Lea recommends First Cal Scranton
Jun 1, 2013
Lisa is a great loan officer! She never fails to follow up with us and she delivers what she promised. We had a hassle free time getting a loan for our new home. We are now happy and settled in our new abode thanks to Lisa! Highly efficient, effective, and an utter professional.

Dr Brad Grant recommends First Cal Scranton
retired physician
May 31, 2013
I would not hesitate to recommend Lisa as a mortgage broker. She does her utmost to work things out for the best of her clients. She does so in a timely professional fashion.I have worked with her on several occasions and they have all turned out very favorable. Dr Brad Grant
LeslieAnn recommends First Cal Scranton
May 31, 2013
It was a great pleasure to work with Lisa and her team the 2nd time around on my refinance. She is very professional and detailed and works to ensure all the details are followed efficiently.

Josh Cacho recommends First Cal Scranton
First Time Home Buyer
May 22, 2013
Jesse Tenenbaum was an amazing Mortgage Advisor through my entire process. He was easy to talk to and was able to answer all my questions in a manner which I could understand. Lets face it, real estate terms are not the easiest when it comes to determining the meaning. His customer motto of 'My goal is for you to never be waiting on me, but I am happy to wait on you' was something Jesse always stood to. Anytime my loan changed status he would call me (not email, send a text, etc...) and take that extra 5-10 minutes to make sure I understood what that status change meant and made it clear what I had to do to get to the next phase in my home purchasing process. I would highly recommend his services to anyone looking to purchase a home, Jesse is someone who I felt 100% comfortable with financing my home and will absolutely do business again with in the future.
Aly Trust recommends First Cal Scranton
Business Analyst
May 21, 2013
Kevin is a true professional, he is very diligent and really cares about his clients. I can count on Kevin to exceed my expectations. I wouldn’t use anyone else when comes to my mortgage needs.
Colleen recommends First Cal Scranton
May 21, 2013
We just want to say "ditto" to all the great recommendations for Brian and his team. We are not very fond of all the paperwork involved with doing a home refinance, but Brian and his team were absolutely wonderful and the process was smooth. We were informed by one of the team members every step of the way. They had everything wrapped up and finished prior to the estimated date we were given. If we have the need for their services again, we will definitely use Brian and his team. I would, and have, recommeded them to friends and family.
Angela Glorioso recommends First Cal Scranton
May 15, 2013
I was amazed at how quickly and efficiently Brian and his team were able to provide a loan for my buyer. My buyer was a first time buyer, very inexperienced and his credit wasn't all that great. From the beginning, they worked with him to correct his credit and spent time to educate him on the loan process. The escrow is closing on time all due to Brian's team of professionals. They were truly awesome and a pleasure to work with. They were on top of it from beginning to end and never missed a beat. I will continue to use them and refer them out to all my clients and friends.
Donna Seals recommends First Cal Scranton
Real Estate
May 9, 2013
My experience with Brian in a word---GREAT!!! . .He is very detailed, organized, professional, energetic and honest. He grasp the importance of communication and is dedicated to providing the highest level of service to each and everyone of my clients. I am fortunate to have met him and consider him part of my team and family.
Tim Kilfoyle recommends First Cal Scranton
Real Estate
May 7, 2013
Thanks for going the extra mile and then the next.
Manoel Najla recommends First Cal Scranton
Purchase Client
May 1, 2013
Although I wish I qualified for a much better rate, Brian gave me the best rate that I could qualify for. Frankly, without Brian's assistance, strategy and guidance, I wouldn't even be qualified to purchase our beautiful home even to this day. He did a great job of meeting with us and putting a strategy in place. Overall my wife and I were Very Satisfied with the overall experience, knowledge and professionalism of the entire Sciutto Team staff. We will be referring Brian and his team for many years to come. I can't wait to get some things in order so that we can REFI into a great rate. Thanks Brian and Team!
Carla Tooker recommends First Cal Scranton
REFI Client
May 1, 2013
Brian and his team did an excellent job in assisting me with my refinance. I was satisfied in every way. This was a very difficult and stressful process for me personally because of where I am financially in my life but Brian and his staff did a great job of staying in touch and answering all questions. Brian's assistant Melissa was especially helpful and extremely responsive. I appreciated that a lot! I would recommend Brian and the Sciutto team to friends and family members in the future as they are a very professional outfit.
Rick Selby recommends First Cal Scranton
Middle School Teacher
May 1, 2013
Having Kevin work with you on refinancing a loan is like having a friend who is in the business who is just helping you out. He is very attentive to your needs, and is always checking in to make sure everything is going smoothly. My wife and I have done multiple refinances through Kevin, and have been happy with the process each time. Not only does he know the intricacies of the loan processes, he also knows how to treat his customers. I would recommend him to anyone!!
Elisa Holcomb recommends First Cal Scranton
Title Account Executive
Apr 30, 2013
I would highly recommend Kevin and feel honored to be a part of his closing team. Kevin is knowledgeable of all loan programs, returns calls promptly and is a true professional when it comes to taking care of his client's. He sincerely has his client's best interest at heart.
Linda H recommends First Cal Scranton
Apr 30, 2013
If you are in the market to purchase a home or would like to re-finance your home as I did, then I highly recommend Roger Kube at First Cal Mortage Company. The entire process took only 3 weeks! Roger and his staff were friendly, courteous, and professional, and they provided exceptional customer service.
Juan Carlos Miranda recommends First Cal Scranton
Project Manager, Kooltura
Apr 30, 2013
Kevin is the best. When I came to him he went above and beyond to help me get what I needed, he took the time and really fought to get us the best deal. Throughout the entire process he kept us informed and advised us on the options that were available to us.
When we started, Kevin was just the agent and at the end he became a friend to us.
I strongly recommend Kevin and his services and can assure you, you won't be disappointed.
Jean Michel recommends First Cal Scranton
Self employed
Apr 26, 2013
It is a pleasure to do business with Kevin. as a realtor,He is professional , knowledgeable, easy going and deliver. He always goes out of his way to educate and maintain communication opened.His energy to excell in life is a great asset and so contagious.

Kevin is a great realtor that I refer on a regular basis.

Michael Z recommends First Cal Scranton
Apr 26, 2013
Kevin works hard at making his clients happy. As a colleague, I'm proud to have him as a friend in the business.
Christine recommends First Cal Scranton
Managing Director
Apr 25, 2013
Kevin is conscientious, hard working, competent and high-integrity. He is the only person in the mortgage business that I feel comfortable referring people to. He's always pleasant and professional and works diligently until the loan is closed.
John recommends First Cal Scranton
Apr 25, 2013
A big THANK YOU to Kevin for guiding me through the loan process when purchasing (and later refinancing) my home. His open communication, honesty and timeliness has earned my trust and referrals. If given the opportunity, Kevin will exceed your expectations and take great care of your friends and family. Thanks Kevin!
Ron Greenwald recommends First Cal Scranton
Listing Agent
Apr 23, 2013
Roger and his mortgage company did a superior job in getting the deal done. Roger was representing the buyer for a short sale transaction in San Diego. The short sale lender gave us very very short time frames to get the transaction funded and recorded. Roger took a very pro-active position. Also, Roger was in constant contact with all involved. When we faced a hurdle near the finish line, Roger was very instructive and helpful so that we both the seller and the buyer were in a win-win situation to close the transaction on time.
Callie & Michael Kassow recommends First Cal Scranton
Apr 23, 2013
Lisa Giacomini helped us refinance and combine our mortgages in a very short amount of time, allowing us to recapture nearly a thousand dollars a month in interest. We are ever grateful for the her expertise!
Steven Alameda recommends First Cal Scranton
Refinance Client
Apr 16, 2013
Team Brian Sciutto, I want to thank you for all of your excellent work in getting my home refinanced. You were willing to take us on as clients when a couple of other mortgage companies would not because they said we didn't qualify. Your level of service was excellent and we couldn't be more satisfied. You and your team, were incredibly knowledgeable and professional, you demonstrated the best service ability, showed tremendous integrity and got us a great low interest rate. We want to thank Cathy Warner for being amazing. She was on top of the process the entire way. She was exceptional in returning all communication and questions when I had concerns. You are very lucky to have such a great support staff. Kudos to you and your entire team and process at First Cal.
Tom Long recommends First Cal Scranton
Apr 9, 2013
"On behalf of Roger Kube and associates, I would like to recommend Roger and his staff. Roger did exactly what he said he would do. From the first phone call to the last e-mail he was always on time and his staff was extremely courteous and helpful. I was new to this process but Roger walked me through with no problems. He closed when he said he would and the estimation cost were actually a bit lower! Roger and his staff are a company of his word which in today's society is greatly appriciated. I cannot recommend a person higher! Sincerely, Tom Long, Crowley Lake Calif "
Stacy D. Jeambert recommends First Cal Scranton
Apr 8, 2013
I cannot say enough good things about Jesse Tenenbaum and his team; calls were returned promptly, questions thoroughly answered, and issues quickly resolved. Both Jesse and the Tenenbaum team bent over backwards to make this refi as easy as possible and completed in the shortest amount of time. From start to finish, my refi was painless and happened remarkably fast. As a comparison, I had started a refi with my old mortgage company and after two months I hadn’t heard anything and that’s when I contacted Jesse as a referral from another satisfied customer. Jesse took action quickly and got my family the lowest possible rate and closed my refi in short order. Oddly enough, two weeks after closing my refi with Jesse and his team, I was contacted by my old mortgage company to let me know that they would be ready to close in two weeks.
I want to thank Jesse and his fabulous team for doing for me and my family what my old mortgage company was incapable of doing.
Thanks, Jesse and the Tenenbaum Team!
Alfred Gallegos recommends First Cal Scranton
Refinance Client
Apr 5, 2013
Integrity!! Let me start by telling you that I've never completed a loan with Professional with more Integrity as you Brian. This is a character trait that has been lost on so many levels within your industry. I have to write to tell you that I've never trusted any professional in any industry more than you because of the time that you spent with me in answering all of my questions. You have raised the bar and helped me gain confidence that there are still people that do what they say and speak only the truth. I'm grateful for you and your team in assisting me with my refinance. I will only recommend and refer one Mortgage Professional in the future, YOU and your team. TWO BIG THUMBS UP!!!
Bonny Head recommends First Cal Scranton
Apr 3, 2013
Brian and Team. Thank you so much for your service and professionalism. I am very grateful that you were able to provide me a loan when no other bank could find a way to help me. I appreciate you taking so much time to find a solution for me and my family in getting the cash out that we needed to settle some family affairs. Without you and your team, we would be in very bad place. A very well deserved THANK YOU!!
Kelly Munson recommends First Cal Scranton
Apr 2, 2013
Roger explains everything very thoroughly and makes you feel like you're his only client. Roger guided me through my refinance and he always had time for my questions and figuratively held my hand through the whole process. I felt like I could trust Roger to get me the best rate possible, and he did. I highly recommend Roger and I'm trying to get my friends to refinance their houses just so they have the pleasure of working with Roger Kube.
Chris recommends First Cal Scranton
Support Engineer
Mar 28, 2013
Jesse and his team did a great job in providing me with a less than 30 day close. If it wasn't for the fact they could close in less than 30 days, I wouldn't have got my offer accepted. He was very patient & positive while I search for a house and very knowledgeable, responsive and honest in answering all my questions. They stepped me all the way through the process making sure to follow up when I forgot something and making it as painless as financing a house can be. I would recommend Jesse to all my friends and family.
Yogi recommends First Cal Scranton
Mar 21, 2013
It was great to work with Jesse throughout the refi process. He is quick in response and handles case swiftly and professionally. He went above and beyond his limits to get me a better deal when I asked him if he can beat an offer I already had from another major bank. He stayed in touch throughout the refi process and closed the funding well within the stipulated date.
I definitely recommend Jesse for all your mortgage needs.
Aimee Huerta recommends First Cal Scranton
General Manager
Mar 19, 2013
"Brian, Ryan and Melissa, I want to think all of you for your help in refinancing my home. I'd tried working with other lenders in the recent future as well as trying to complete a Loan Modification with my bank and none of them could make my REFI work. I am ecstatic that you helped me save over $500 per month on my mortgage payments. You have helped me and my family tremendously! The Sciutto team answered all of my questions very clearly regardless of how petty they might have been. Also, I'm the General Manager of a retail clothing store and we take great pride in customer service. I must say that your service is the best I've ever had and I'm not sure I would have had the same patience. You guys ROCK!!" ~Aimee Huerta
David Martinez recommends First Cal Scranton
Mar 13, 2013
"I'm very happy to recommend Brian and the entire Sciutto Team! I've heard nightmares when funding loans these days and the team did everything possible to keep me updated throughout the process. My wife and I were very satisfied from start to finish with the level of service we received. Service has always been the most important element for us when dealing with any professional in any business and the Sciutto team outperformed in every way! Special thanks to Brian's Assistant Cathy Warner for her patience, understanding and positive attitude. We are the very proud owners of a great home and interest rate! Finally, we were so impressed, we have already referred to of our closest friends. Thanks again! David M."
Paul Taylor recommends First Cal Scranton
Mar 7, 2013
Jesse Tenenbaum has performed 2 refiance's for me on my primary residence, and they have both been great.

They were quick, with all fees up front and no surprises. I have all ready recomended him to a co-worker and would recomend him to anyone looking to save money on a mortgage.
Tomas F. Diaz recommends First Cal Scranton
Mar 2, 2013
Dear Roger ,
We wish to thank you and everyone in your organization for helping us secure our home mortgage loan. Your experience proved to be invaluable. As you know Roger, product-oriented Sales people are easy to find, but Customer-oriented ones like yourself are not. You provided us from day one with the assurance that our lending needs and requirements would be addressed professionally and promptly.
We do appreciate your efforts, again thank you for a job well done.!!
Best personal regards,
Tomas,Suzy & Sarah.
~Michael G recommends First Cal Scranton
Senior Marketing Manager
Mar 1, 2013
"Let me start by stating, this was the most impressed I've ever been in dealing with ANY financial professional. The Sciutto team is AMAZING in every facet of their operation. I've never had such incredible advisement and direction from a holistic financial point of view. Brian took the time to help me understand my finances and make recommendations on which loan product I should utilize in order to realize the best way to build wealth as a result. Additionally Brian helped introduce me to a financial advisor as well as educated me on how to protect my entire estate and family. Brian received no additional compensation by spending so much time with me yet he did it because he sincerely cared. Furthermore, the entire Sciutto Team is so GREAT. I received support from start to finish. Special thanks go to Ryan Albrecht and Melissa Kazarian. My family and I are forever grateful. Thank you Sciutto Team!"
David B. recommends First Cal Scranton
Feb 27, 2013
Brian and his team are the most professional and knowledgeable I have come across in San Diego. They are responsive to my clients and have unsurpassed customer service. Their products are competitive and I always know they will get my clients the best deal possible. They go above and beyond to ensure that they go the extra mile. I highly recommend Brian, his team and FirstCal to anyone. Thanks guys for being amazing!
Dan Duffy recommends First Cal Scranton
Feb 21, 2013
Roger Kube and team did an outstanding job of handling the refinance of my home. All details were presented accurately early on in the process and I was kept well informed of the progress. When questions arose Roger or one of his team answered them promptly and correctly.
I would recommend Roger and his team to anyone in need of home financing.
Stefanie Sekich recommends First Cal Scranton
Feb 21, 2013
Roger- Thank you for not only making the loan process smooth and quick, but for all the extra work you did to help ensure we could close quickly and recieve more lender credit than expected. Your work was amazing and impressed everyone that was involved with the process. Thank you again! You rock!
Frank Margotta recommends First Cal Scranton
US Navy
Feb 20, 2013
"Brian went above and beyond to ensure that our first home purchase would be a great one. He worked well into his own time to make this happen and never complained or asked for compensation for the extras he put in. Thank you Sciutto Team!"
Bryan Lee recommends First Cal Scranton
Project Manager
Feb 14, 2013
Roger and team met or exceeded all my expectations regarding my home refinance; The best available interest rate, smooth 2nd pay-off, reduced monthly payment, and cash out to pay of other debt. Their communication was frequent and convenient and anticipated all my questions and concerns. I look forward to working with Roger on my next Real Estate Loan!
Roz Dermer recommends First Cal Scranton
Realtor, Thaidan Corp
Feb 10, 2013
Roger Kube was highly recommended to me two years ago by my then broker, who also did loans... Tragically, as her ongoing illness took its toll, Sandy Lewis strongly advised me to have Roger step in for my then current and future clients. I did just that.

I have found Roger to be extremely focused on each individual he works with....He explains to them, in detail, what will work best for them now and in the long run. Clients learn of "all options" they are qualified to take advantage of. My clients, especially the first time buyers come back to me to say how patient Roger is.. Their questions about mortgages are fully answered and their specific needs are fully met. More than once Roger has made my job easier than it might have been..

Roger is, in the true sense of the word, a professional!

Tammy Robbins recommends First Cal Scranton
Feb 6, 2013
You can expect a seamless process with Roger & his Team. He puts a significant priority on purchase business by offering same day underwriting and guaranteed 25 day closings. You will find that his process is one of the best in the industry in processing and closing purchase loans. You can expect a seamless process with Roger and his Team at First Cal. By the end of your transaction you’ll likely want to send all of your future business his way.
Paul Kim recommends First Cal Scranton
Fraud Manager with Intuit
Jan 23, 2013
"The level of service that I received from FirstCal was absolutely excellent and I couldn't have been more satisfied with the overall experience in dealing with Brian Sciutto and his team. The assistance throughout the entire process was very seamless and as easy stress-free as could be, overall fantastic service! I will definitely be recommending my friends and family. Thanks again guys!"
Ralph K. recommends First Cal Scranton
Jan 16, 2013
The level of service I received was excellent, as Roger did exceptionally well with keeping me in the loop at all times of the process. There was nothing else he could have done to improve the overall experience!
Robert Hernandez recommends First Cal Scranton
Jan 11, 2013
I think our experience with Roger was perfect! He kept us informed, and guided us throughout the entire process. I have already given his contact information to friends and family potentially looking to purchase in the future.
Braden Duryee recommends First Cal Scranton
Jan 11, 2013
The process with Roger was fast and well executed. Roger was able to spell out everything in terms that my wife and I could understand and I really appreciated that. I will recommend him whenever I hear of someone that could use his services!
GIGI & ED CRAMER recommends First Cal Scranton
Dec 31, 2012
Lisa Giacomini is one of the most professional lenders my husband and I have ever known! She is always on top of current mortgage interest rates, most knowledgeable and confident about her 'products'.
Exactly one year ago today on December 31st, Lisa walked us through the confusing world of refinancing a home my husband and I had bought for my two sons. She had 'locked in' our 3% interest rate on the home but several months had passed and the lock was just about to expire December 31st! Lisa spent hours walking the refinance package through the convoluted world of necessary signatures and we were able to close at 4:30 PM New Year's Eve afternoon-immediately before the 3% lock expired!!!!! She's been 'OUR HERO' ever since and we'd recommend Ms Giacomini to anyone interested in a new loan or a possible re-fi!!!! SHE'S REMARKABLE AND HAS THE UTMOST OF INTEGRITY!
Lynnette recommends First Cal Scranton
Dec 30, 2012
Lisa is a great loan officer, she always put per client FIRST. Lisa is not an 9-5 person, for my loan Lisa was there all day, any day. Lisa was true to her word, I was in my home for Christmas!!! Lisa G is a loan officer that excel and is true to her word!!!
Hali recommends First Cal Scranton
Zoo Keeper
Dec 22, 2012
I have nothing but great things to say about Roger Kube and his amazing customer service. Roger helped me to refinance not only my own home, but the homes of my neighbor and a close friend because I highly recommended him. Roger takes care of business quickly, efficiently and never misses a beat in returning calls and making follow-up calls. He has great communication skills in which he explains things fully and in layman's terms. He never leaves you hanging and wondering what the next step might be. And the best part is he saved me lots of money! I was in the process of a refinance prior to calling Roger. The loan officer I was working with was not returning my calls and the process was taking a very long time. Roger was recommended to me so I gave him a call. Roger was able to get me an even better loan rate and lower closing costs so I backed out of the first loan. I couldn't be happier with the service I received from Roger. I will continue to recommend Roger Kube over and over again!

Deniese Chavez recommends First Cal Scranton
Dec 20, 2012
I've referred my clients to Roger for about 2 years now and he has always done a great job. He is very knowledgeable about the lending industry and is always willing to go the extra mile to get an escrow closed. I know that when I refer a client to Roger they will receive the exceptional service I expect them to receive.
Franchesca Meram recommends First Cal Scranton
Real Estate Broker Avenu Realty Group
Dec 20, 2012
I have always felt 100% assured when I referred a client
of mine to Brian they would be in great hands. He works
very hard and is committed to customer satisfaction!
Don & Susan recommends First Cal Scranton
Dec 19, 2012
Roger has helped us a couple of times. Very professional, great follow through, and stays in touch throughout and even after the process is completed. Highly Recommended!
Mary Olivarria recommends First Cal Scranton
Dec 12, 2012
Buying a home can be stressful but because a realtor named Donna recommended Brian's First Cal Mortgage Company to us, we were able to get through the process and now are enjoying our home. Brian is definitely a first class act. He inspires confidence and everything he told us was right on the money. I wish I was able to describe in a more eloquent manner just how great he is. I am recommending him to everyone and especially my family. As a matter of fact, one of my children will probably be shopping for a refi around April or May, if not sooner, and I will definitely recommend Brian. Thanks again for all your hard work.
Sandy Mullens recommends First Cal Scranton
Nov 28, 2012
Thank you Lisa for getting us to such a great interest rate. You have remarkable patience working with my type A husband. You deserve a medal for taking all of his calls.

Ray Bahadori recommends First Cal Scranton
Associate Broker @ Zip Realty
Nov 17, 2012
Jesse was fast, efficient and very competitive in his rates and pricing. He was able to give me the exact terms that I was looking for while 2 other lenders were not able to accomplish.
I would use Jesse in the future and recommend him to anyone who is looking for a great service.
Eric Sams recommends First Cal Scranton
Director of Operations/Advisor
Nov 16, 2012
Jesse has been great and such a welcome support for my clients. I am comforted as a financial advisor to know that I have someone I can count on and trust to send my clients to for their mortgage needs. Everyone of my clients who has worked with Jesse has been extremely pleased and I will continue to recommend his services!!
Alfred & Nadine Gallegos recommends First Cal Scranton
Oct 22, 2012
"Brian. Just want to let you know this has been the best customer service that we have ever experienced from any mortgage companies. I know it is not done deal yet but so far you and your team made us very comfortable and we are glad we found you and your team.
I will recommend you to family and friends."
Phil Dobranski recommends First Cal Scranton
Oct 22, 2012
I was referred to Lisa by a friend. I wanted to refinance my jumbo loan. I was sceptiable because of previous attempts by others.After an initial conciliation with Lisa, I was convinced she would make my refi a reality. I was very pleased with the speed, efficiency and results. I would recommend Lisa to anyone interested in professional, reliable and expedient service.
Brent O'Connell recommends First Cal Scranton
Oct 16, 2012
Brian embodies hard work and dedication. He is a big referral source of mine and my business of credit repair flourishes with these type of relationships. Since his referrals work with me before I pass them back to him as qualified buyers, I can attest to his work ethic. His day doesn't end until he has reached out to each and every person that has contacted him that day. In the business of lending there are so many variables that can make a deal go bad quickly. In 3 different instances I have witnessed him be proactive when someone drops a ball big enough to jeopardize closing escrow and figure out a solution to save it. A couple of these took personal calls to the CEO of First Cal to plead the case as to why First Cal should personally fund the loan and both deals got done leaving everyone satisfied. Call him if you want the highest level of service and integrity.
Barbara Donohue recommends First Cal Scranton
Accountant - Mother Lode Bookkeeping, Inc.
Oct 16, 2012
“I was referred to Brian Sciutto through a valued co-worker of mine and thankfully it was the easiest and best decision hands down. I had done re-financing before and it was long process and tedious. This re-financing took a little over 30 days and was the easiest process. Working with someone who cares about your every need and who is willing to put you before themselves in a business transaction today, is a special rarity. The relationship we developed over the short period of time will not be forgotten and I’d highly recommend Brian Sciutto to anyone looking to secure a loan or refinance their homes. Thank you so very much Brian!”
Loreen Lankford recommends First Cal Scranton
Vocational Nurse
Oct 15, 2012
"I would like to take a moment to tell you about Brian Sciutto and his amazing team, Bay, Ryan, and April. I would not have my first home if not for Brian. I never thought this would be a possibility for me. I am so grateful and excited every time I walk in my front door! Brian was there for me day or night, I called him at 11pm one night in tears and he was amazing, he eased my fears and answered all of my questions. Brian is so knowledgeable, kind, professional, and most of all sincere. I never felt like just another client, or that he was trying to make a sell. I have never received such service!! At one point I thought I was going to lose the home I wanted and because of Brian's knowledge and dedication to a client I got my home. Brian stepped in just when I needed the help the most. I learned so much, he taught me the process and walked me through it, and made sure everything went as smoothly possible, even at times when it was not his responsibility to do it!! I can never say enough about Brian and I tell everyone how fantastic he is and give his information to my family & friends. Bay is also great!! I must have sent her 100 emails! She helped me to ensure I did everything right, saved me time, trouble, and a lot of stress. Bay is a wonderful person!! I felt I was important and she took the time to help me over and over. This team at FirstCal is definitely "team awesome!!" I would like to thank Ryan for all the follow up, and phone calls to keep me up to date and first for dealing with my craziness!! April had a lot of work for me and was exceptional in frequent emails of needs and ensuring she gave me enough time to get papers, etc. before deadlines. Over all I cannot say enough good things of Brian and his team. I am forever grateful - Thank you FirstCal for my beautiful first home."
Gary Mullens recommends First Cal Scranton
Satisfied Customer
Oct 13, 2012
Lisa is the absolute BEST Loan officer that I have ever delt with.
She has very high integratity and always puts the customer FIRST.
I have been doing business with her for many years and will continue to do so.
If you want the best rate, loan process speed and Loan Expertise, then Lisa's the one you should use.

Gary Mullens
Sherry Tobey recommends First Cal Scranton
Oct 2, 2012
Lisa is a true professional and works with integrity and honesty. She has been able to close even the most difficult loans in a timely manner. Her vast knowledge of the industry is a direct benefit to her clients and Realtors. I highly recommend Lisa's services and have even referred my family to her! Her company is set apart from all the others by their attention to customer service before and after the transaction is closed.
Jackie & Geoff Tipper recommends First Cal Scranton
Home Buyers
Sep 11, 2012
We recently bought a house using Brian Sciutto/First Cal and we can, with full confidence and enthusiasm, recommend Brian for all of your financing needs. Brian is an ultimate professional. He knows every facet of the business and offers the best rates that we could find. We always felt well taken care of and at no point did we feel pressured or like we were being given the "hard sell". Brian let our needs dictate the conversation and just laid out the options. He also had our back as the escrow company (chosen by the seller/selling agent we were purchasing from) was trying to charge us way too much for the deal. Brian caught the extra charges and even called the escrow company himself to have them lower the costs. He personally saved us thousands on the deal and we couldn't be more thankful for all the work he and his team put in on the purchase of our dream home!
Frankie Owens recommends First Cal Scranton
Sep 7, 2012
My experience with Lisa was seamless and direct. Easy to understand, which is saying something when there are so many sets of numbers involved. Glad that she already had much on my information on file from our last refi! Also, quick. I am able to relax a little with the lower payment, which is amortized. I'd go back to her if rates dropped even farther. Is that possible??
Brian recommends First Cal Scranton
Management Analyst
Aug 30, 2012
Brian stayed on top of my loan refi from beginning to end to ensure things went smoothly. His diligence and knowledge saved me thousands over the life of my loan. He is truly looking out for his client’s best interest for all their financial and investment needs.
Bobby Martins recommends First Cal Scranton
Real Estate Broker
Aug 23, 2012
I've been selling real estate for over a decade and have worked with many lenders. Brian is a very good lender and provides excellent customer service. He will walk you through the entire process and make sure all details are handled professionally and on time. If you're looking to refinance or buy a home, Brian is a great choice to talk to about financing.
Jason Smith recommends First Cal Scranton
Agent/Owner Jason Smith State Farm Agency
Aug 22, 2012
As a State Farm Insurance Agent I run into a lot of mortgage brokers/officers. I am always happy to work with Brian Sciutto and his team with mutual clients. It's unique for someone to do as much volume as Brian does and still be involved in every aspect of each client file. Where many others pass it off to their team, it is clear that Brian truly cares to be certain each client is 100% happy. Brian also seems to find incredible rates for clients. I've yet to hear of anyone referred to him not choose him...again this is rare! I know he works hard by the fact I get emails from him after most are in bed or before most get up! Lastly, I know Brian doesn't simply "do the mortgage" for clients...he asks many questions to be sure the rest of their financial house is in order and they are planing for their future. I highly recommend Brian and his team!
Jing Wang recommends First Cal Scranton
Aug 10, 2012
"It is such a joyful journey to work with Brian Sciutto and his FirstCal team. They will always be there for their clients no matter day or night. And they always have response my questions seconds. Everybody told me earlier that it will take a couple months to get their loan. But with Brian Sciutto and his team, it only takes them one or two week to get all the loan documents done. They are very professional team. I am so happy to work with them for my first loan."
Dan Janowiak recommends First Cal Scranton
Vice President of Business Development for Private Asset Management
Aug 3, 2012
“It is without reservation that I write this letter of recommend on what an exceptional job Brian Sciutto and his team at First California Mortgage Company have done for our clientele. Brian has earned the utmost respect of our valued customers by being most knowledgeable, trustworthy and a consummate professional. It has been an absolute pleasure working with Brian and his team and we look forward to continuing to refer our client’s mortgage needs to him for many years to come. Thank you again Brian for all your hard work!”
Vicki Yourczek recommends First Cal Scranton
Real Estate Agent at RE/MAX
Jul 26, 2012
"My experience working with Brian Sciutto as a lender over the past 3 years has always been very positive. Brian is extremely knowledgeable, he's quick to respond, follows through, and he applies optimism to all situations. I can recommend Brian with full confidence that he will always put my client's best interests first."
J. Humphrey recommends First Cal Scranton
R.E. Broker
Jul 24, 2012
Lisa presents a professional image, as well as excellent client rapport from an initial meeting. She follows up with accurate questions and guides to assist both first time homebuyers, move-up buyers and seasoned investors. Lisa knows the business and assists agents/brokers in making the closing both early and without typical headaches created by less qualified mortgage people.
Linda Brown recommends First Cal Scranton
Orange County Fire Department
Jul 23, 2012
“I want to personally thank Mr. Brian Sciutto for his personable and professional assistance not only with my first home purchase but with my most recent (and final) refinance. I couldn't have asked for a better "partner" to guide me through what is often considered to be a complicated and stressful process. Throughout my entire purchase from beginning to end Brian and his team not only answered all of my questions and concerns in a timely manner but Brian went above and beyond to mitigate any confusion I had. He genuinely had my best interests in mind. I would highly recommend Brian and his team for anyone in need of a mortgage broker with a thorough working knowledge of the business as well as delivering a personable experience. I couldn't have appreciated his knowledge and professionalism more! In addition to the guidance and help he provided for me, upon my recommendation, he has also assisted several family members and co-workers with their mortgage needs. Brian and his team are superb!”
Monique Navarrete recommends First Cal Scranton
Real Estate Agent at ParaCapital Group
Jul 23, 2012
"Brian Sciutto is one of the BEST loan officers I've had the privilege of working with. He is very informative to my clients and has always done an exceptional job on keeping me up to date on the loan process. Brian is excellent on resolving problems that frequently arise with many borrowers while trying to obtain a loan. This is why I would highly recommend my future clients and other real estate agents to Brian."