Testimonials Continued…

Here’s what some of our clients have to say about what we do…
(And click here to check out our Yelp reviews)


“I wasn't sure what to think when using a non-big bank lender.  I am a member of a credit union and have accounts at a big bank and just assumed I'd use one of those when buying my home.  A friend of a friend told me about this place and told me they were awesome to work with, and he was wrong – they are better! The personal attention, communication, and flexibility were all beyond my expectations.  I was treated more than fairly and got a great rate.  I had options on X or Y and it was explained to me in terms I could understand and know am much more knowledgeable about the home buying (or refinancing) process than I thought I would ever be. Using New Horizon Home Loans was a great decision as I got more support and attention that I would have from the stage coach or even my credit union.  Next time I’m buying (or refinancing) I’m using them for sure!!"
- Morgan & Lela Beck



“I had such a great experience with New Horizons. Chanel and Rasy took care of everything for my refinance. They found the right loan and fast. I’m a little bit of an annoying personality, but they were very patient, and explained everything very clearly. I would highly recommend these guys to anyone!"
- Mike Caporaso


“I would totally recommend New Horizon Home loans. Our case was a difficult one and Rasy Sor and Chanel S helped us through every step. They were extremely supportive every step of the way. Made sure we had all the information we needed. They were always available to respond to any questions we had. Thanks to them we are on a better path with our finances and were able to refinance our home loan. I applaud them for the hard work and dedication to our refinance.”
- Laura R.


“Rasy Sor is the best! She is knowledgeable, efficient, and took the time to ensure my refinance was progressing smoothly. I appreciated the periodic updates and most importantly the coordination she took care of on my behalf. My previous experience working with lenders has not been great and usually involved a crap load of paperwork and constant back and forth. Rasy made this process as painless as possible for me and has earned herself a client for life!”
-Kelso Chan


“THANKS! For all of your hard work. Your team made the transaction super smooth for us."
- Trag & Bunrorth Doung


Rasy Sor is a very knowledgeable professional mortgage consultant.  She is aggressive,fast and has a lot of patience. I'm so glad that I used her in refinancing my condo.  Rasy is an asset to the company.  Her expertise and concern of her clients makes a great difference.  I will surely recommend her to my family and friends. Rasy, you are the best!!!! Thank you for everything!!!!
- Margarita Veneracion & Maria Carreon

“I was referred to Willie Bao and his team by my agent.  I am a first time home buyer and Willie, Char, and Deanna were all very helpful in walking me through the process.  Willie explained all the #'s and what they mean.  In the end he even reduced my upfront out of pocket expenses which I am extremely grateful!  And I got a great rate! The team is very friendly, great to work with!  I would recommend this lender to anyone who is looking to buy a home, 1st time buyer or not!"
- Kelly Hays

“I cannot say enough about Rasy Sor and her team at New Horizon Home Loans! My husband and I found her through a referral from a good friend. She came HIGHLY recommended. Our friend could not say enough good things about her. Like our friend who referred us, we were looking for financing for the first time since short selling our property over 3 years ago. I (personally) was very nervous about the situation. I wanted not only someone who knew what they were doing but could also explain every step to my husband and me, and also look out for our best interest. First before calling her, my husband and I had reached out to 3 separate loan agents and they were unresponsive, making us feel really uneasy. BUT Rasy was everything we could have hoped for! She was awesome to work with, informative, her customer service was impeccable, and ALWAYS had a great attitude! If it weren't for her, our transaction would not have gone as smoothly as it did. We had a few bumps along the way (as to be expected with a real estate transaction), but my experience with her was far beyond any other experience we had in the past. If there was a problem she not only called with the "news" but already had a solution in work to fix it. I have already referred her to several of my friends and we look forward to working with her again for our refinance in the future."
- Jason & Tremonisha Watson

“My husband and I were referred to Rasy Sor by a mutual friend. Rasy has assisted us in our home purchase and just recently a streamline refi. In each process she walked us through it, was always available (even after hours when she should be out of office). She monitors our property and periodically will send us updates on the current rates, our property value, etc. Honestly, she never made us feel like a customer. What most would consider customer service, is just her nature. She will let you know if a loan is the best for you or not. She's not just worried about her commission. We have personally referred her several times to friends and family members and will continue to do so. I've told her several times and would tell anyone who asks… SHE'S THE BOMB!"
- Tiffany Bailey

“Willie Bao was able to get me the loan but also, close on time, great rate, and zero out of pocket costs. What would you need to ask for more!!! 100% recommend New Horizon."
- Vincent Yeung & Mandy Lo

“My Loan Officer, Rasy Sor, was great. I met her sometime ago and casually mentioned that if rates dropped, I'd appreciate a call. Six months later, she did call. I was able to save $150.00 on my monthly mortgage and she's walked me through the entire refinance process. She was always available to answer questions, even when I asked the same questions several times. I felt like she had my best interest at heart and the loan process was very smooth. I was able to sign documents on a Saturday, most items were completed online, and the notary came to my house. Everything was made very convenient for me. I would feel confident to refer her to a friend. She is professional, thorough, and very attentive to detail. Shop around, but I think this company has competitive rates, plus you'll get great customer service!"
- Rakdy Khlok

“Scheilla Matus has been extremely helpful, organized, and had a great open line of communication. She was my real estate agent and now, as a lender, has made purchasing and refinancing our home a smooth transition. New Horizon will be recommended to my friends and family. Thank you for your dedication, hard work, and personal attention."
- Aurelio Corral

“Thank you so much for all your hard work and help, Willie! It's nice to work with you and Stephanie."
- Ratha So

“I just want to thank you guys for helping me refinance my house. This was my first time refinancing my house and the experience was amazing. Rasy Sor made everything easy and she was very helpful and knowledgeable. I would really recommend you guys to my friends and family. Thank you once again!"
- Laurence Martin

“We are very happy with the services provided by Mr. Willie Bao and staff at New Horizon Home Loans. They were very helpful and kind. Mr. Bao, in particular, was resourceful, patient, caring and informative throughout our loan process. We refinanced our home, and he was able to still offer us a low interest rate, but with five years off our conventional loan!! What a nice bonus!! With this company, it's a win-win situation, and we will definitely recommend New Horizon to all our friends and family with their mortgage needs. Thank you Willie and staff; you guys are AWESOME!!!!! :)"
- Nicole & Quan Nguyen

“Thank you to all the people at New Horizon Home Loans to help expedite the home loan process. And especially Rasy Sor for her countless hour of burning the midnight oil. More importantly her commitment, patience, and willingness to work with my hectic schedule."
- Sol Dip

“>Willie Bao is the best. He can help me to get the loan with great rate, low out of pocket cost. He is very helpful and can do what he promised.  The closing procedure is super smooth.  I am very happy with New Horizon and will recommend all my friends.  He is very calm and cool and very honest :)"
- Tammy S.

“Rasy was awesome at taking care of all the details and keeping everyone informed throughout the entire transaction. The transaction went so smoothly we were able to close a VA transaction 2 weeks early. Job WELL DONE!"
- Don DeGrote, Realtor at Realty One Group

“My husband met Willie in a church function and from that time on, told me that if we will refinance our house he knows the right person to go to. He was definitely right! Willie is truly a hardworking loan officer, he would stay late in the office to accommodate working clients. He explained the details of our documentations. He explained clearly the pros and cons of options available for us. He also tried to answer any question we had and whenever we need further clarifications he would immediately get back to us. We were thinking he might have never celebrated much during the holidays because our loan application had to be worked on during that time. True to his words, he had finalized the process right before Christmas, what a beautiful present, low interest fixed rate, consolidated package, what a deal! Thank you Willie and thank you to all your staff! More power!"
- The Sandovals, San Pedro, CA 1/6/2016

“Thank you guys for all your hard work!"
- Solyneth Chneang

“New Horizon was recommended to me by my Sister after buying her home a couple years ago. Our first home buying experience was awful due to lack of attention by our agent and inability to get the necessary paperwork in on time so I was skeptical to say the least. We decided to take her advice and words cannot describe how glad we are we did. Our agent Scheilla Matus immediately began working on the sale of our home, scheduling open houses, setting out flyers and ensuring our home had maximum exposure on all major real estate apps and websites. Our home sold within 3 weeks and escrow closed flawlessly and on time. We decided to use Scheilla and the New Horizon team for the purchase of our new home as well and the outcome was identical. Herself and the staff are very knowledgeable and resourceful and with their persistence we were ready to close on our new home with a VA loan in less than 30 days which is a challenge to say the least. I ope this is our home to stay, but if not, there is no doubt who I'm using from here on out."
- Rick Van Hooser

“Rasy, we thank you, thank you, thank you. You continue to be nothing but the best for us! Your passion, honesty and sincere enjoyment of what you do, is second to none. We will continue to be a living advertisement for you. Again, we thank you."
-The Bailey's

“Mr. John Chinen, I would like to take this moment to thank you John for your professional business in re-financing my house; you were the only one who met all my needs and priorities after contacting major known named banks. Professionalism, capability and confidence is what everyone is looking for when trying to buy or refinance, I was blessed to find all of that and more in your service. It was a great experience; I am extremely satisfied with the fees, interest rate, and monthly payment you were able to get for me and most of all with your friendly and professional business, the process was not easy and that is the reason why I give you all the credit and respect. It was complicate to make a decision when it comes to a house, especially when it means the investment or our lives and the future hom eof our children, handing my investment for refinancing into your hands, was a wise decision. Since a good friend of mine strongly recommen your service with all my friends, family and colleges at work, I would like for all of them to take advantage of your service and have the satisfaction of knowing they are being taken care of by someone as professional as yourself."
- Fidel M. Arredondo Jr.

“When Rich and I decided to refinance our home recently, we didn’t think twice about reaching out to Scheilla Matus. Scheilla helped us purchase our first home together, and the stellar service she provided then is what brought us back to her again. Scheilla is an expert in her field. The thing we love about working with Scheilla is that she is such a professional, yet patient. She takes the time with her clients to ensure they understand the paperwork that is and will be presented to them during the entire process. We say “clients” because we have other family members that have used Scheilla and raved about how nice she was to work with during the purchase of their homes or refinance. Purchasing or refinancing a home can be very overwhelming; however, each time we have worked with Scheilla she offered resourceful solutions where needed making the process go as seamless as possible.In addition to her subject expertise, Scheilla offers flexibility and top notch responsiveness. Our schedules are pretty hectic, yet she does what it takes to get things done and go smoothly. If we weren’t able to drop paperwork off by a certain time due to business travel/meeting, she offered to personally pick it up and handle, sending a confirmation after each time so we didn’t worry on our end. She did what it took to keep our timeline on track. She responds to calls, emails and even texts almost right away. If we sent one late at night….she had a response waiting for us first thing in the morning.  She was consistently keeping us up to date during the process. Not once did we have to say, “have you heard from Scheilla”, rather… “you got the text, email or call from Scheilla, right”. I think it goes to show how genuine and passionate Scheilla is about her job/clients because after the close and refinance of our home, we continue to receive thought notes/cards from her throughout the year. It means so much that she takes the time to do this out of her busy schedule which lets us know she thinks about us and truly cares that we aren’t just a number, but a family she is helping with their dreams come true.Rich and I aren’t really ones that recommend people, because we don’t want something to happen and it comes back to haunt us. However, we can honestly say that is different with Scheilla. We’ve seen what she has done for us and other family members knowing whoever she works with is in good hands. We recently recommended her to a friend which I understand they have reached out to her. Hopefully that will be a partnership in the making and more referrals to come!!"
- Rich and Luradawn Hua

“It was definitely a pleasure to work with Rasy Sor on our refinance. She went above and beyond to make sure we understood what was going on during each phase of the process. She always provided assurance even when we had doubts. Rasy was always available for us any time we had questions or concerns. She has a cheerful disposition and her professionalism is awesome. We will definately recommend Rasy and New Horizon Funding to our friends and family in the future."
- Sylvia Terrazas

“Rasy is very easy to work with and she is a very efficient communicator. She makes sure the job is done right, on time, and does it with a smile. I would highly recommend her to anybody seeking a loan in this competitive marketplace."
Chris D.

“It was a pleasure working with Rasy Sor through the entire loan process. Rasy was diligent and communicated with us through the entire process to ensure every step was understood. I thank Rasy for all of the support to ensure my son, Nicholas' loan process was a success! Nicholas loves his new home!"
Jennifer P.

“When I need help for service of any kind I look for people who are genuine, fast, understanding, on point, awesome in communication skills, and will get the work done without my intervention. Rasy Sor met all of those and more. I can't emphasize how helpful and knowledgeable she is and can't believe other people have not met her yet to use her loan services. She's the best, thank you!!!"
Ravy L.

“Rasy was a very professional and diligent loan Rep. Very patient always willing to help and explain the loan process. We were very satisfied with Rasy and would highly recommend her to family and friends."
Estelle G.

“I can't say enough about Rasy. She's one of the best lender that I have ever worked with. Rasy truly understands the meaning of teamwork! She works relentlessly to help the clients/buyers achieve their goals and dreams. Rasy is professional and always a pleasure to work with. As a Realtor, I am extremely grateful for her continued partnership."
Soly C.

“I was able to get into my home that I love because of Rasy! From the beginning to end she went above and beyond to get my husband and I into the home we wanted so badly and now we are happily living there. She made the pre-approval process quick and was able to get us qualified for an amount we thought we wouldn't get! When we got our offer accepted, she got our loan going right away and stayed on top of everything. She got us into the best program at a great interest rate. Rasy was even able to get our docs ready before the expected date. Our loan was contingent on selling our condo. My husband and I went through several that fell out of escrow. Rasy made sure that our loan for our new purchase would not fall apart and consistently communicated with us. She made the process so easy and helped take off a lot of stress for us. Thank you so much Rasy!"
Katherine N.

“Rasy Sor at New Horizon Home Loans was so unbelievably wonderful to work with. Being a first time home buyer, I had tons of questions and lots of uncertainty. Rasy was extraordinarily responsive and was there every step of the way. She answered every question I had completely, respectfully and quickly. She explained each and every aspect of the process and I really felt like she was on my side and wanting the best for me. She was incredibly prompt, straightforward and friendly – an absolute pleasure to do business with!"
Tonicia R.

“We had the opportunity to work with Rasy Sor, the best loan agent my husband Steve and ever worked with. I was referred to Rasy a few years ago through a mutual financial planner. Last year, we attempted to refinance but it wasn't the right time. A few months ago, I received a call from Rasy to let me know that she checked property values and now may be the time to refinance! We started the process, got the appraisal and we were in great shape. Rasy was a great communicator through the whole process. It was quite refreshing to receive top notch customer service. We had previous experiences that were quite the opposite so we were so grateful to work with Rasy. She walked us through the entire process, had excellent follow through, and made herself available after hours via phone and text messages. She was always pleasant and patient with us. We were able to arrange to have a notary come on a Saturday to sign loan documents. She is just a delight to work with and very knowledgeable. Rasy is our go to person for loans and will refer family and friends to her for help. Thank you Rasy for making a tedious process of refinancing a process a pleasant experience!"
Linda B.

“Rasy, you are a professional through and through, and we appreciate your patience for answering all those 'what if' questions. You managed to find the perfect solution that met both our immediate and long term goals. You moved the process along fluidly and presented options in very clear and concise manners so that we felt fully informed every step of the way. We would not hesitate to work with you again, or recommend you to others."
Nita K.

“This was my first time refinancing my house. And I'm so glad a co-worker introduce me to Rasy Sor. She's helpfully and knowledgeable…. And she's so good on what she does. She made all easy for me and I would definitely recommend her to my friends and family. Thank you again Rasy….."
Laurence M.

“My wife and I could not have been happier with the service we've received from Rasy. She is very knowledgeable. She keeps working and looking for us even after everything is done. Also, when we request more information, she always gets back to us that same day. Thank you Rasy."
Ramon D.

“Just want to post a sincerely thankful testimonial to the best mortgage consultant anyone could ever use!! Rasy Sor Mortgage Consultant called me to inform me that she would lower my 30 year fixed rate from 4.875% to 4.5% saving me $104 a month and she did it for absolutely FREE!!! No closing costs and they paid for my appraisal too!! Not only did we save money every month we are saving over $50k for the life of the loan in interest and we got to skip 2 mortgage payments equaling a savings of $5,000 for our family and we got $1,900 cash out for homeowner's insurance and property taxes without it being a cash out loan. Did I mention she accomplished all of these things in about 3 weeks time or less!! Do yourself a favor and use Rasy for all your future mortgage needs because you will not regret it and have a very quick, smooth loan process and get all your goals accomplished. She is truly amazing and I can't thank her enough for such an amazing job!!!"
Katie M.


“Rasy Sor is the best! She is knowledgeable, efficient, and took the time to ensure my refinance was progressing smoothly. I appreciated the periodic updates and most importantly the coordination she took care of on my behalf. My previous experience working with lenders has not been great and usually involved a crap load of paperwork and constant back and forth. Rasy made this process as painless as possible for me and has earned herself a client for life!”
Kelso Chan

“We would like to express our satisfaction with Scheilla Matus's help in the refinancing of our home. Scheilla came highly recommended from a family member. Scheilla was helpful in explaining details about the veteran loan. She was especially helpful in keeping us on track and moving forward in getting papers completed and signed. I would not only recommend her to friends & family but would use her services again."
- Bonifacio Griego Sr & Carolyn Cancino-Griego

“Hi Rasy, I just wanted to take a few moments to let you and your management know what a pleasure it was to have you as our real estate loan coordinator.  Your wealth of knowledge and expertise is second to none.  We truly appreciated the professionalism and honesty you demonstrated throughout the entire process, from finding a loan that would meet our needs and keeping us informed every step of the way to the closing of escrow.  We can’t thank you enough for your tireless efforts and your wonderful personality, which made the journey much more enjoyable.  You truly are special young woman and I hope that you management know how valuable you are to New Horizon Home Loans.  Please share our heartfelt gratitude to with our manager."
With Warmest Regards,
-Timothy and Lynita Robinson


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