Rating of Average of 5 on a total of 13 Ratings
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zuser202004061151272 from Claremont, CA
September 2, 2023
Fast and efficient service!

Andrew was always attentive during the 3 month home search my family and I went through. He had prompt responses, great rates, and great insights into today's markets.

I would highly recommend working with him.

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Daniele B. from Long Beach, CA
July 2, 2023
Highly recommended!

I recently had the pleasure of working with Andrew for my condo loan, and I must say that my experience with Trusted Rate was great. From the moment I contacted them, their team demonstrated professionalism, knowledge, and a commitment to helping me with the best loan option. The application process was seamless, thanks to clear communication and quick responses to my all my questions (I am first-time homebuyer so I had A LOT).

They took the time to understand my financial situation and goals and overall, I cannot recommend Andrew and Trusted Rate highly enough.

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Monique from Moreno Valley, CA
September 23, 2022
Excellent

As a first time buyer I was so lucky to be able to work with Andy! He was always responsive anytime we had questions, patient, and most importantly someone who works hard for your best interest! When I started the process with Andy my credit wasn’t the best and he went above and beyond to help me boost my credit by almost 40points. He got us qualified for more than the original qualification, which helped us get the home we wanted. My family and I couldn’t have been more thankful for the opportunity to work with Andy! If you’re looking for someone that’s going to go above and before you, Andy is your guy! I’d definitely use Andy in the future and would recommend him! Thank you Andy for all that you did in part of helping us get out first home!

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MARIA VILLESCAZ from Chino, CA
June 22, 2020
Andrew was amazing

Andrew was amazing. He was a great communicator. Andrew was extremely helpful and knowledgeable. I would most definitely recommend Andrew to all my friends and family.

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Adriana from Fontana, CA
September 18, 2018
Excellent service!

Andrew is very knowledgeable is his field of work, and shares his knowledge to help his customer achieve their home purchase. He is good at understanding how to help the customer pick up the credit score and prepares the customer for that important step of purchasing a home. He explains each step and process. Has excellent communication skills, listens to the customer and ask questions in order to get his job done. I highly recommend his services. Makes the impossible, possible!

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lmac1556 from Salinas, CA
August 28, 2015
Andy takes his time to explain everything in detail.

Andy is a very honest and has lots of patience, he helped my wife and I purchase our home. Andy guided us with our credit for a couple of months. Andy takes his time to explain everything in detail. Andy always answered our phone calls.We would recommend Andy to all my family and friends.

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smarini3 from El Dorado Hills, CA
August 17, 2015
Dealing with Andy was better than I had imagined.

Andy was referred by a friend who was impressed with his superior customer service. Dealing with Andy was better than I had imagined. We had some glitches (caused by us, not Andy) with the loan process, and Andy was diligent in resolving issues and following through, which resulted in the refinance for us. We will be using Andy in the future, should we refinance again, or purchase another property.

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josb75 from Salinas, CA
September 30, 2014
Andrew is a true professional, his guidance through the process of buying our home ...

Andrew is a true professional, his guidance through the process of buying our home made everything seem easy and stress free. Will definitely recommend Andrew to anyone seeking an honest and knowledgeable loan representative.

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claudia8ahernandez from San Jose, CA
September 25, 2014
Andy was always available to answer questions regarding out loan process, he is ...

My experience with Andy was overall great! Andy was always available to answer questions regarding out loan process, he is a very honest and liable person. I highly recommend Andy, he's an amazing loan officer.

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user52311774 from Salinas, CA
March 6, 2014
I was so proud of him a few days ago when an unexpected question arose and I was ...

Andy is a possibility thinker. He determines that he will solve any problems which get in his or his clients' way. I was so proud of him a few days ago when an unexpected question arose and I was able to contact him and get his help in the middle of the night. He is a true professional. Summitt-mortgage is fortunate to have him on their staff.

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user4901680 from Rancho Cucamonga, CA
January 23, 2014
At times I would get stressed out because I wouldn't understand certain steps ...

I worked with Andy on two transactions and each time he exceeded my expectations!! He is very detailed oriented, responsive, patient, and extremely knowledgable. I trusted him as my loan officer and always looked out for my best interest. At times I would get stressed out because I wouldn't understand certain steps in the process, but Andy answered all of my questions to help me to better understand. I think it is important to educate a client on the process, so that they feel comfortable making certain decisions. I will certainly recommend him to family and friends!!

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corram from Salinas, CA
October 15, 2013
He helped my husband and I get our loan as first time home buyers.

Andy was a pleasure to work with. He helped my husband and I get our loan as first time home buyers. Andy was very professional, understanding, friendly and most of all he made us feel like we were his priority. He was ALWAYS available and answered every question we had with great honesty. It didn't matter if it was during the weekend or late at night. He is a hard worker that handled any bumps we encountered. Andy made sure we understood the contract before signing. We highly recommend him!!!!

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user07090557 from Salinas, CA
September 5, 2013
He was very detailed oriented and walked me through all of the loan documents to ...

Andy assisted me in the purchase of my home. He was very detailed oriented and walked me through all of the loan documents to ensure I had a full understanding. What I truly appreciated about Andy was the fact that he "level set" my loan qualification. I qualified for way more than what I purchased for. This is because Andy sat and walked me through the "what if's" and I ended up purchasing a home that I could easily rent out if needed, for the mortgage price. This approach got me into an amazing home but also secured my investment in the event of an unexpected life experience. Andy truly cares about his customers. It shows through his attentiveness, attention to detail and follow through. I know I probably drove him crazy with all my emails and questions, but he never once made me feel like I was an inconvenience. Great person, great loan officer with integrity.

Andrew Lugo
Loan Officer
NMLS#
212011
Cell
(831) 229-5044
Fax
877-736-6367
Email
andylugolending@gmail.com