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Whether you are looking to Refinance or Purchase, America's Moneyline is here to help. We specialize in VA, FHA, and Conventional Financing.

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What Our Customers Say

Check out the reviews from some of our customers.

Brandon O

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2 days ago

I've used Patrick and Dean's services for two separate VA streamlines now as rates have continued to fall. I enjoy the no nonsense process, the transparency in the product and the effort they put forth to make close on the mortgage in a timely fashion.

Eric Deardorff

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Jul 26, 2018

I just completed a VA cash out refinance through America's Moneyline and am nothing short of amazed. Throughout the whole process, Patrick, Maricela, and Chris were quick to respond to any questions I had, and made the whole process incredibly painless.

I will absolutely recommend them to any/everyone I know looking to refinance.

Joanne Hill

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Feb 28, 2019

My husband and I were going to do a VA refi with our current lender, but Ken Howard of America's Moneyline provided a lower interest rate with a larger cash out. He was always available when I called, and answered my questions . He guided us through the whole process. He is very knowledgeable about different types loans, that made us feel good about working with ...

Tommy Stamatelos

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Feb 23, 2019

We found America's Moneyline and GIlbert Duran and his team are great to work with for our refinance. They are easy to communicate with, informative, helpful, experienced, a wealth of knowledge and we highly recommend them.

Jen Lieras

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Feb 20, 2019

I’ve been using America's Moneyline for my mortgage needs for the past 10 years. I work specifically with Lou Montaino. He’s always super helpful, returns calls promptly and knows his business. I’ve referred tons of friends to him. Some of them hadn’t been able to secure a loan they were happy with before, yet Lou found a way. I plan to continue to use their serv ...

Shon Wynn

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Feb 17, 2019

I would like to send a special heart felt thank you to Gilbert Duran, Phong Duong, Cindy Duong, Shana Nguyen, and the America's Moneyline (AM) Team for assisting my family and I with our VA Home Loan. The AM Team worked wonders in making the loan process quick and seamless. This was our third VA Home Loan and it was by far the best experience that we have had ...

Roberta Romero

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Feb 5, 2019

Kudos to America's Moneyline, we refinanced with a lower interest rate and cash. Lou Montaino and Misty Fisher made the process easy, explaining every step of the "QUICK" process. Recommend this company for your home mortgage needs!

Rosemary Franceschi

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Jan 6, 2019

My husband and I could not be anymore happier with Gilbert Duran and the team very courteous prompt and always helpful patient with any questions or concerns we had had we had an amazing experience with them at America's Moneyline. Will definitely recommend them very honest group.

Chase W.

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Oct 25, 2018

Wow what a difference! After calling several Home Loan companies I was referred to Derek Torok and what a difference for real. Super professional, astute, knowledgeable, fast and most of all patient with my questions. Frankly I was so impressed with him I wanted to hire him for my company! 🙂 He made the process easy where I felt appreciated and valued as a cus...photo_cw

Ralph Heistand

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Oct 16, 2018

Excellent service. The team at America's Moneyline was quick to respond to any issues as they appeared with additional expertise as required. The teamwork and aggressive issue management cleared our refinance in less than 30 days.

Kevin J.

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Oct 16, 2018

My refinance was unusually difficult because my home sits on a 75 acre parcel, is off-the-grid, 100% solar powered, I get all of my water from my 1008' deep well, and my location is so remote I don't even have a physical addresa!

All of which makes Underwriters very nervous and makes it hard to find an Appraiser!

But Alan Attardo worked through all of the challenges and actuslly made it happen! And he is as personable as he is professional!

Debbie Dishman

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Oct 4, 2018

Gilbert was very good to us. He kept us up to date on what was going on. Gilbert has a great personality. His assistant was always letting us know what we needed to do. And asked if we had any questions. They were a great team.

Sokh Danh

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Oct 4, 2018

An outstanding company and great group of people who cares about there veterans. I worked with Gilbert for a VA cash-out refinance loan. And I couldn't be happier with the results. The process was smooth and easy. Not one time did I have to worry. Gilbert was honest, straight to the point, and cares deeply for the men and women who served and it showed on how he ...

Michael Baltazar

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Aug 22, 2018

Dean was a great person to work with. As a first time homebuyer he explained things well to my wife and I and was available at all times for questions. It was great that Dean and his team were available on weekends. He was absolutely a pleasure to work with and appreciated his professionalism. Dean and his team made the loan process smooth and were quick and effi...

Erika R.

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Aug 15, 2018

Derek Torok is hands down the best there is! He was available to help me through every aspect of my transaction and even closed earlier than expected. I would recommend Derek to anyone looking for help with their residential needs, absolutely professional.

Will Van Deusen

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Aug 8, 2018

I worked with Shawn from America's Moneyline, and he was able to provide me with an extremely competitive rate quote. They care about Veteran's like myself, and I was able to get approved very quickly. I also wanted to give a shout out to Rudy for helping make the process so easy. I will definitely refer to my friends and family!!

Charles F.

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03/28/2021

I had a great experience with Lou M******* at Americas Moneyline. We were ready to refinance again, hopefully for the last time. We tried our current mortgage company, but the offer they made was nowhere near the lower rates we were seeing in the mailers we were getting. They said they would try to match a lower offer if we got one, but if they could match it why wouldn't they just offer it to me up front? Whatever. One of the offers we kept getting in the mail with the lowest rates was from Americas Moneyline, so I did some research online and I couldn't find anything negative about them. I called and talked to Lou M*******. He ran numbers for me and made an initial offer that actually matched what they were advertising. All I can say is Lou was great to deal with. Even though I kind of kept waiting for the other shoe to drop and hear "oh sorry we can't actually do that", it never happened. Lou really seems like a stand-up guy who actually cares that he can get someone a good deal. I never got any pressure or run around and he took the time to find out what we wanted out of a refinance so he could tailor it to our needs. He was available by phone, text and email and took the time to answer any questions I had, and we had a couple of interesting discussions. Things moved quickly and efficiently when I told him I wanted to move forward with things. So what we ended up with is a 30 year VA refi that's going to save us a ton of money and we couldn't be happier. I don't think it would've been possible to find a better deal period.

Tim F.

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03/22/2021

My existing Mortgage Company was going to charge me thousands of dollars to drop my 30 yr fixed VA loan to 2.25%. It was going to take me about 30 months to realize the benefits of a lower interest rate. That's when I called America's Moneyline to see what they had to offer. Shawn N**** ran the numbers past me and he easily beat what my existing mortgage company was offering. When the refi was completed, I actually received money back. The refi paid me to lower the rate by a .50%. How could I not be happy with those results? I actually searched for America's Moneyline Inc on this site to see if there were legit, and I'm now happy to add my voice to those who have had a good experience with this company.

Michael A.

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03/08/2021

We were pleased with all aspects of our refinancing experience from start to finish. Each time we had a question, it was quickly reviewed and answered to our satisfaction. And we were amazed on the short amount of time it took to complete each step in the process and receive a final approval for the loan. Based on our experience we were impressed that America's Moneyline exhibited a well organized and well run business that is dedicated to quickly completing the refinancing process for its customers. On the day of closing, there was an error in the loan calculations. I contacted Rudy G. and Marshell R. to alert them to the errors. They immediately reviewed the loan documents and Moneyline corrected the errors. As a result, by the time the Closing Agent came to our house for final signing, we had the corrected documents. Thanks to their attention and quick actions we were able to complete the transaction as scheduled. Thanks to a great team.

Victoria D.

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03/04/2021

Rafael P*******, I can't Thank You enough for the great rate you got me and the miracle of closing in just a few weeks. I know it couldn't of been easy. You provided excellent service which I deeply appreciated. With deepest gratitude for your hard work. Again, Thank you, ******** *****

Richard S.

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01/16/2021

Second time I have refinanced with Shawn and his team, and once again all TENS! Extremely professional, knowledgeable and courteous. I was always kept up to date on my refinance and in the end my mortgage dropped $557.00 Thanks Jenny you are incredible. ** ****

4/5/2021

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OUTSTANDING SERVICE FROM START TO FINISH!!  I truly must commend and highly recommend the services of America's Moneyline. My refinance funded and recorded today for a rate reduction to 2.25%. My package was full of incentives including a lender credit and principal reduction.   I want to recognize the members of the team who worked so hard to ensure my deal went smoothly and closed on time. Derek Torok, Brandon Lawrence, and Marshell Romero. Derek was especially key in pushing it to the finish.  If you are looking for an organization to manage your refinance, America's Moneyline is the one for you!!

Leia L.

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2/4/2021

Derek Torok helped me out. Excellent customer service, helpful, and caring. Cannot recommend anything else. 10/10.

Joe J.

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2/14/2021

Lou Montaino and Marshell Romero helped me get a super low interest rate and were very knowledgeable. They kept me informed and I could call or text anytime of the day or night, and would always get a quick response. Now that is great customer service. They are an asset to America's Moneyline. I would recommend them to my friends, family and anybody else I know that needs financing or refinancing for a home.

Joseph P.

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8/31/2020

First off, Derek Torok is a great guy to work with and he does what he says. I have been blind sided in the past, so I had to do my homework, and find someone I can trust. Definitely found not just what I was looking for, but what I needed in a Lender. Best rates around, hands down. Do yourself a favor, and give these guys a chance.

Leah S.

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1/18/2021

I strongly recommend re-financing your VA loan with America's Moneyline. Their initial response to my online inquiry was almost immediate. I got a phone call from my loan officer and he walked me through the offer, disclosures, etc. Not only did I get an excellent new rate, they offered me a "Lender Credit", where most other Brokers are charging Points. The Lender Credit covered all the loan costs 100% for me AND knocked down my principal $1,000. When is the last time you got paid to borrow money...NEVER, right? Submitting the loan application online was easy. While the loan was in the underwriting phase, I received regular updates from my Loan Processor. She was always on top of the whole process, and contacted me by phone/email to make sure everything went smoothly through signing docs and funding. They were a great team to work with, very professional, understanding and always explained the process clearly. I am extremely happy with the America's Moneyline team! Thank you for everything!

Fermaint R.

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11/6/2020

This is my second time in less than a year that I trust this company to handle my VA-backed refinance. The first time around I opted for an IRRRL, but rates have dropped considerably since then and COVID has left us wanting for a pool, so this time we did a cash-out refinance. While the IRRRL closed in record time, the recent cash-out refi took considerably longer than originally estimated. Underwriters appear to be scrutinizing these loans closely, so longer-than-usual processing times might be expected under the current environment. All in all, nice people, great interest rate and a reasonable buy-down got me a fantastic rate.

Jim Adams

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3 days ago

I have been working with Patrick at Americas Money-Line for over three years. Patrick and his team completed two refinance transactions for my home flawlessly. The single action I appreciated the most was their consistent follow up during the loan process. Patrick is a man of his word and everything was discussed upfront was in the closing documents. I truly value and appreciate Patrick and the entire Americas Money-Line team for the Service they provide.

Elizabeth Moyer

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6 days ago

Had a great experience with Jeremiah Ryder Shawn Nevin for a VA refinance. They were very attention to detail oriented, easy to talk to. Their availability and attentiveness to my personal questions made me feel as if I was the only person they were working at the time. Their honesty with the process put my mind at ease because I didn’t feel there were any hidden agendas. Their efficiency has me recommending AML to all my friends and family! Thank you so much AML staff, I will be doing business with you!

Julio Narvaez

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2 weeks ago

I am a repeat customer for a reason, great service, great deals, great honesty, great transparency, and great people. Although I am a perfectionist, I could not be more pleased, and have gladly referred family members and friends. Very honest. Sincerely, Dr Narvaez

Rydunn Sweet

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3 months ago

This is a terrific company. Derek Torok is amazing. We have worked with Derek on a couple of occasions and have had nothing but A+++ service. America’s Moneyline has a super team to help you every step of the way. Everything was so simple. Definitely recommend!!

Jisook Anderson

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3 months ago

I have refinanced and purchased homes many times. My America's Moneyline experience proved to have exceptional service. I am a resident in northern Virginia but, while the company was in California, I never had connectivity problems. Jeremiah Ryder, who was our officer, step-by-step explained and notified us about our loan process status. Mr. Ryder is a true asset for your company - I feel his reliability builds confidence and trust during the refinance process. Thank you !

Terry Farrell

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October 30, 2020

American money line did an excellent job in refinancing my loan. Rates were lower than anybody else around. They walked me through every step of the process. And closing was well within the lock period. I highly recommend you give them a call to your refinancing needs.

Tom W. Peticolas

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November 16, 2020

This is the second time dealing with Derek and his his team nothing but professionalism on their part great communication thru the whole situation.. awesome job thank you.

Christopher Hill

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March 25

The absolute best mortgage I could have asked for! 1.75% at .43 points. UNQUESTIONABLY recommend my broker Lou Montaino!!! This is a bit of a read, but I hope it helps to alleviate any reservations you may have. Like many homeowners, I receive countless refinance applications in my mail which generally head straight to the recycling bin. I had a VA loan through Navy Federal and was generally happy with their product. As interest rates bottomed to all time lows, I looked to refinance with all expectations of sticking with my original lender. Unfortunately the service of my bank bordered on deplorable. I could not pursue the process, contact them, or even complain as they were completely inundated with applications. In an act of pure luck, I saw an incredible rate in a flyer from Moneyline. 1.75% at 1.5 pts. My bank was offering 2.25% at 2.5 pts. Seeing no fine print to discourage me, I called. What I received from my broker Lou Montaino was the best service I could have asked for! He was educated, professional and timely. I quickly decided to go with Moneyline and ultimately they BEAT the flyer's numbers... 1.75% at .43pts. INCREDIBLE!!! I could not be happier and would (and already have) recommended to my closest friends.

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