Refined Lending a division of Luminate Bank

Mike and his mortgage team were absolutely incredible to work with. From start to finish, they made the home buying process feel smooth, clear, and far less stressful than we expected. They were always responsive, patient with our questions, and proactive about keeping everything on track. Mike took the time to explain our options, made sure we felt confident in every decision, and truly had our best interests in mind. His team was just as impressive. Organized, knowledgeable, and on top of every detail. If you are looking for a mortgage team that is professional, trustworthy, and genuinely cares about their clients, Mike and his team are the ones you want in your corner. We could not be happier with our experience and highly recommend them.

Mike and "The Arvold Mortgage" team have been one of the most efficient, customer oriented, and streamlined services I have encountered in a while! Mike, Carolyn, and Cari were all super personable, professional, and very knowledgeable when it came to helping refinance my home. Quick to answer any question or request that came their way, and I had a lot of them! Not only was this a joy to connect with Mike, but also an educational opportunity for myself as I hadn't touched my original mortgage in 8+ years. I can't thank Mike and his crew enough for their patience, professionalism, and truly taking care of this refi as if I was part of their own families and team. BIG UP'S to Mike, thanks for all you do, and continue to set the standard for what this should look like! You are truly all rock

We met Jerrid early 2025 when we were in the early stages of considering a home purchase in San Diego, and we are so glad we did. Jerrid expertly navigated us through the whole home buying process, making for a truly stress-free experience. He listened carefully to our goals, helped us stay on track, and took the time to educate us at every step. Not only was he a great mortgage loan originator, but all-round great guy. Super friendly and approachable. Look forward to working with him again in the future!

The Arvold Mortgage Team was absolutely amazing throughout our entire home-buying journey. From start to finish, they were incredibly helpful as we purchased our forever home. They kept us informed with updates every single week, and sometimes even every day, which truly helped ease our worries. Whenever I had questions, they were quick to answer and always responded fast. The house-buying process is extremely stressful, but with the constant support, guidance, and reassurance from Mike’s team, it really took a lot of the weight off our shoulders. Thanks to their dedication and professionalism, we’re now able to relax and truly enjoy our new home. We couldn’t recommend them more!

I had a great experience working with the Arvold Mortgage Team. Everyone was very kind, professional, and supportive throughout the process. They responded quickly to all my questions and made everything easy to understand. Their communication and efficiency truly made the mortgage process smooth and stress-free. I strongly recommend them!