Equity 123 Lending

Testimonials

Explore the success stories of homeowners who entrusted us with their mortgage journey—empowering dreams, one satisfied homeowner at a time.
Cedric and his team demonstrated great adaptability as our purchase close date unexpectedly moved up 30 days. He was able to meet all requirements to meet the new date and was even able to close our loan without the need for an appraisal. I would recommend Cedric to anyone looking to work with a true mortgage professional. In fact, I already have.
-Greg
Equity 123 Lending made a visit to our office in Texas. Cedric seemed pretty knowledgeable so I thought I would give him a chance with one of my more demanding clients. Cedric and his team didn't disappoint. They did a great job, made my client happy and made me look good.
-Josh Realty ONE
Cedric is amazing. It is rare to find someone with diligence, knowledge, and integrity. So it goes like this ... Cedric is a colleague and a friend. Naturally, we approached Equity123 for our loan. Having collaborated together in the past it was an effortless working relationship - Cedric would notify, inform, and educate when needed, he tasked himself with both simple and complex matters, removing most of the work off our plate. Surprising, or not knowing Cedric's character, he responded to our queries and actioned promptly, whether is was 600am or 1100pm. Most of all, it is comforting to know, our best interest were foremost, not his. Highly recommend to everyone.
-Nigel Jay
Great experience with Equity123. Accessible, knowledgeable, and well-equipped to provide a wide array of funding products. As a first-time investor, Cedric made me feel comfortable.
-Chase Johnson
Cedric did a great job in weighing out our options for our new home build. He was knowledgeable and even gave us some things to consider even though we elected to use builder financing. Rest assured, when its time to refinance, we'll be calling Equity 123 Lending and Cedric
-Christine Smith
Equity123 (Cedric Campbell) was the best thing that happened during the home buying process. He not only explained the process he took the time to break things down, discuss the financials in easy to understand format, and he even went above and beyond to assess the investment options and value of the property. He followed up and was exceptional. 10/10 would recommend and I have given his info to many other people and hopefully they find the same value I did working with Cedric.
-Pablo Padilla
Cedric Campbell and the Equity123 team did an excellent job getting us to the finish line. Any speed bump we encountered was quickly remedied and our minds were put at ease. Communication was easy and prompt. I would recommend hiring Equity123 for your mortgage needs!
-Jon Shuler
As first time home buyers we were very nervous about how this process may be. Working with Cedric and his team at Equity123 Lending made this process run so smoothly and efficiently. This team was amazing and explained everything in detail from start to finish and we felt we were in great hands. This team truly wants the very best for you and they worked diligently to help us every step of the way. We will recommend them to everyone from now on. Thank you Cedric and Equity123 Lending!
-Steven & Rayssa Doshna
Cedric and his team created a steady pace for us from the very beginning. They did a wonderful job keeping us informed through the whole process and were quick to reply to all questions. We completed the refinance earlier than scheduled. I am very thankful for their time and one on one service.
-Jill D'Etcheverry
I came to Cedric because I was paying too much for my mortgage. I went to other brokers but they could not help me. Because of my work schedule, I could only be available late in the evening. It didn't matter, Cedric would always take my calls. He helped me lower my payment and gave me some financial relief. I called him my angel and I would recommend him to anyone. Thank you.
-L. Nora Quaintance
Absolutely the best team for your home buying needs. Cedrick and his team are Rock Stars! Very knowledgeable and helpful! Thanks Cedrick and Fred for all your help!
-Kelle Lane
It was a pleasure working with Cedric. He made the whole transaction smooth and was able to close fast. Definitely recommend!
-Iryna Mitchell - Realtor
We are beyond grateful to have found Mary at Equity 123! She truly made our dreams come true when we looked to move. She met with us, reviewed all possible options, was highly professional and maintained thorough and transparent communication. We can’t imagine a more wonderful person to have had as a lending officer for our transition and move. We’ll continue to recommend her to anyone looking for a lending officer. Thank you so much, Mary!
-Ronda Smith
Mary Fisher and Equity 123 were amazing through the entire transaction. She provided super detailed responses to my clients and provided numerous options to ensure they were getting the best rates. She reached out to the listing agent to make sure they had all the information they needed. Mary was professional, yet personable. I will absolutely send new clients her way because I know they will be taken care of. Thank you Mary! You’re the best!
-Collin Petersen
We highly recommend Equity123 for any and all mortgage-related needs. Cedric is seasoned and knowledgeable. But more than that, Cedric is conscientious. In our interactions with Equity123, Cedric not only endeavors to furnish the optimal solution, but often will assist even if he stands to gain nothing. Please do not waste time elsewhere, just call Cedric.
-Nigel
Mary Fisher was great from start to finish. She was reliable, honest, communicative, and a pleasure to work with. I have already recommended her to my friends who are considering refinancing. She'll definitely be my first call if we plan on buying or refinancing in the future. Thank you to Mary, and her fast and efficient team.
-Christina
The Equity123 Lending team did such a great job with my loan. I was turned down by another lender and Cedric was able to find a way to get me a loan that saved me over $900 per month by consolidating my debts and giving me a lower rate. He never gave up and took calls anytime I needed. Thank you to Equity123 Lending.
-Nancy
My neighbor was upset because they were turned down on their mortgage after working over 3 months with a lender. I told them to call Cedric and he was able to get them a loan in less time. He and his team made me look good and made my neighbor happy.
-Rhonda
Cedric has years of experience in the Mortgage business. He will work hard to make sure you get the best mortgage, at the best rate, and get it done for you in the fastest most efficient way. Trust him, because you can trust him.
-James
Thanks, Cedric for all you did for us; it was an easy process. Also, thank you for the donation to Home Aid Orange County.
-Lorraine
As a small business owner, I thought I would not be able to refinance our home due to the current state of the world. Then, along came Mary Fisher. She said, "let's just run some numbers and see what options you have". Well, I have to say, Mary was fantastic. She found us a lender and led us the entire process to what turned out to be a very good refi, which saves us money every month and brought to us a sense of financial security that I had not had before. I cannot recommend Mary Fisher and Equity123 enough. Mary has an amazing work ethic and a kind, fair, even demeanor that was easy to work with and the most important thing is SHE DELIVERED. Thank you, Mary Fisher. If you are in a situation where you are unsure of your options, give Mary a call. You'll be glad you did.
-Marcus Kettles
I worked with Mary Fisher to refinance my home. Due to covid 19, I had debt to income issues and a very tight timeline to work with. Mary found a great loan program that got me a much lower rate and great lender credits which reduced the cost of my refinance. Mary is very attentive to details and kept in touch with me at all times which made me feel very at ease. I closed my new refinance on time with no problems and a complete understanding of my new loan terms and costs. I would highly recommend Mary for any real-estate lending needs. A totally professional experience.
-C. Dominguez
Cedric is an outstanding business partner! A residential mortgage broker Extraordinaire. Great communicator and will do whatever it takes to get to the finish line. He’s trustworthy and I always feel relaxed when referring him to a client because he overdelivers. I highly recommend him.
-Valerie
Mary Fisher handled our refi. There were a few extra "To-Do's" than normal due to logistical issues. Mary had everything handled like the professional she is. I personally do not enjoy the process in the least bit. Mary held the course steady and got us through with impressive ease. Mary streamline the process which was important to us. She saved us almost $400 per month and got a high interest credit card eliminated as well to free up so much money a month that we'll pay our house off years before the loan timeframe expectation. We'll also vacation even more! Thank you, Mary. You were a breathe of fresh air in this industry. I'll refer anyone possible to you without fail! Cheers and warmest regards.
-A R
Cedric is an outstanding business partner! A residential mortgage broker Extraordinaire. Great communicator and will do whatever it takes to get to the finish line. He’s trustworthy and I always feel relaxed when referring him to a client because he overdelivers. I highly recommend him.
-Valerie
Mary Fisher handled our refi. There were a few extra "To-Do's" than normal due to logistical issues. Mary had everything handled like the professional she is. I personally do not enjoy the process in the least bit. Mary held the course steady and got us through with impressive ease. Mary streamline the process which was important to us. She saved us almost $400 per month and got a high interest credit card eliminated as well to free up so much money a month that we'll pay our house off years before the loan timeframe expectation. We'll also vacation even more! Thank you, Mary. You were a breathe of fresh air in this industry. I'll refer anyone possible to you without fail! Cheers and warmest regards.
-A R
My experience applying for a re-fi with Cedric and April at Equity123 was professional and respectful! They simplified and guided me through the whole process. As a non-techie person, they helped me so much and took any frustration I had with paperwork to an easier way of doing things. I would have been lost without their guidance. Thank you Team Equity123 for helping me save so much money!!
-G. Corey
Great experience working with Cedric and his team at Equity123 Lending. The process for my home mortgage refinance was smooth and efficient, and it closed quickly. Cedric took the time to understand my objectives with the Refi, and these goals were met! Thank you. - Ken
-Ken
When we learned that another company had turned us down, we were very worried. After all, we only had a few weeks left in our escrow and to start over would be a major setback. Fortunately, our Realtor pointed us to Equity123 Lending and Cedric's team came to the rescue. He made no excuses and simply focused on the task at hand. He communicated with escrow, my realtor, and title company to ensure that we meet our closing date. What started off as a major concern ended up in a pleasant surprise.
-D Most
We both want to thank you for your professionalism and expertise that simplified the procedures needed in obtaining our mortgage loan. It may not seem like much, but you helped us save $350 per month which has made a difference to our overall financial plans. You were highly recommended by our close friends. They said you really knew real estate financing like nobody else. They were right.
-Myra
I have been a homeowner for 31 years and have dealt with mortgage lenders many times over that period. Equity123 Lending is by far the best. They are the most knowledgeable, responsive, and provide the best rates and value in the industry. I can't say enough about my experience with Equity123 Lending except to say, they are simply the best. Thank you Equity123 Lending!
-Glenn
The process took longer than I expected, but when Cedric took over he delivered what he promised. Always available when I needed him.
-Susan
Cedric did a great job. So much so, I already referred a client of mine to him recently.
-Lucy
Great experience working with Cedric. Great at clarifying obscure lender demands and is committed to getting you the best outcome. It was a real pleasure.
-Robert
Cedric walked me through every step of the process. He was always available to answer my questions and he was extremely patient. I would recommend him 100%
-Terry
Cedric was thorough and punctual and expedited the approval process. He responded quickly and answered any questions we had.
-Gerry
Fantastic experience. They went over and above to refinance my mortgage.
-Judy
In a sea of low-cost mortgage companies, I want to tell you that experience makes a difference if your situation is anything but vanilla. With nearly 30 years of underwriting Cedric Campbell knows how to adjust to any curveballs your loan process may throw at him. Due to my various business ventures, he had to formulate a bank statement loan. During my refinance, he worked with the title company and got rid of a secret lien that had come to light just four days before closing escrow, and saved my rate lock as rates are climbing at the moment.
-Joel
Thanks to Cedric Campbell and April Moriset at Equity123 Lending for handling my recent refinancing so beautifully. They were responsive any time I had a question. They were professional and kept me informed all the way through the process. Cedric provided me with numerous financing options based on my specific needs for the loan. I highly recommend Cedric and his team at Equity123 Lending for all of your mortgage and refinancing needs.
-Jean Latu
Professional, kind-hearted, patience, hard-working, person of Character and Committed to getting the job for her client is who Mary is! The experience was great and I felt that Mary use every available source and tool to find the most possible way to assist me in refinancing my home! To a be person who knows her job well and possessing good values, gave me the confidence that Mary was the best choice throughout the process!
-Curwin Lancaster
Working with Cedric made my home purchase experience so much easier. He was always willing to guide me and explain the details of the mortgage loan process, filling all the gaps I had as a first-time home buyer. Now I am a satisfied homeowner. Would work with Cedric anytime.
-Richard
I was recommended by my financial advisor to talk to you and only you and now I know why. You made this loan refinance painless and even a little fun. When anyone asks for a recommendation I'll make sure to tell them to talk to you and only you. It was good advice then and good advice now.
-Marsha
A quick note to say thank you for your assistance during my recent home purchase. I really felt like you and your staff were behind me 100% every step of the way. you were professional and expedient even though you had to deal with several last-minute occurrences. you never gave up and my wife and I appreciated that. We feel good about our loan and will definitely pass your name along when we get the chance.
-JL
You and your team did a great job and kept everyone in control despite the pressure placed on you. We asked you to fund in less than 30 days and despite the holiday and many legal issues we ran into, you did it. I guess there really is a Santa Claus. Thanks for everything.
-Carolyn Realtor
Everything about Equity123 Lending and Cedric was great! He got me the best rates and closed a new purchase in less than 30 days. Very professional, very responsive, and knew exactly what to do at every step so I felt confident that the deal was moving forward and going to close the entire time!
-TB
I was referred by a friend to Cedric for his service. Cedric was extremely knowledgeable and helpful with any questions that I had throughout the process. Explained it in a way where it was easy to understand and to follow. Cedric is fast and reliable. Provided advice to increase my credit score to get the best rates possible. He went above and beyond. I would highly recommend him for any home loans or refinancing services.
-Justin
How do I say "Thank You" to a real professional Loan Officer?

I have been a Realtor for 13 years and have many horror stories to tell regarding mortgage brokers. You are the most professional, thorough, and efficient broker I have dealt with. To package, present, and get approval, and fund a loan within 21 days, is quite a feat. I will be using your services as often as I'm able.
-Dottie
Thank you for your assistance in helping me refinance my home. Everything worked out really well. You helped us to complete all the documents in a timely manner and positioned ourselves so that we were able to take advantage of the fluctuating interest market. Please consider this a letter of recommendation for any of your future clients who may like a reference for your services. We are very happy and pleased with the process and outcome.
-Adam
I want to take this time to thank you for the personalized service and attention to detail on my loan transaction. It is a real pleasure to do business with an individual who takes such personal interest, and with a company that made me feel like was their only client.
-YZW
I would like to thank you for the excellent job you and your staff did in obtaining a new loan to refinance my residence. I understand that the investment company was very difficult to deal with, but with your lending skills, experience, and understanding, you were able to obtain a very favorable financing package for me.
-Julias
During the past few months, we received several letters and calls from real estate lenders advising us that it was a good time to refinance our home. We were impressed with you. You presented us with a detailed list of closing costs and eagerly answered our questions. Also since my wife and I work long hours, we really appreciate your coming to our home to help us. We'll gladly refer you to any friend who needs a good broker.
-RR
I wanted to write to you and thank you for the prompt and professional services that you and your staff rendered in the recent refinancing of my home mortgage. As you know this was the second time I used your services, the first being when I first bought my home. In both instances, the value-added by you was clearly visible to me in facilitating a complicated process.
-Robert
We both want to thank you for your professionalism and expertise that simplified the procedures needed in obtaining our mortgage loan. It may not seem like much, but you helped us save $350 per month which has made a difference to our overall financial plans. You were highly recommended by our close friends. They said you really knew real estate financing like nobody else. They were right.
-R&M
With the various holidays as our stumbling blocks, we were concerned that a short escrow may not be possible. But with everyone's cooperation and your clear experience, it worked out wonderfully. Thanks for making this transaction a pleasant experience. It's no wonder why our Realtor encouraged us to work with you.
-Ernie
I can't thank you enough for the help you have given me. I found your company to be very professional and supportive in the refinancing of my home. Working with you and your staff was so easy, with no extra paperwork, no last-minute hassles, and no last-minute surprises. Your company made this refinance as smooth as silk and quite a refreshing experience, as I have refinanced other property recently and it was quite an ordeal.
-Cheryl
My wife, Jane, and I would like to take this opportunity to thank Cedric and his team for their time and effort in helping find and secure a home mortgage loan that fit our needs. We were quite satisfied with the professional services and personal care provided by Cedric and would not hesitate to recommend him to others.
-Steve
My wife Anne and I just refinanced our home with Equity123 Lending and we have never had a better lending experience.

Cedric and his team made the whole process easy. His expertise and professionalism are above reproach. We highly recommend Cedric and Equity123 Lending for your home mortgage needs.
-G & A
It's not often that I will endorse or recommend companies. However, the service and commitment I experience with my home refinance thru Equity123 Lending was beyond expectations.

Twenty-four hours after my initially application I was approved and in less than thirty days, I had my money in my hands. They even found a way to lower my interest rate days before the closing without me even asking. They communicated with me throughout the process and were professional every step of the way. I couldn’t be happier!
-Terry
If you’re planning on purchasing or refinancing a home, I highly recommend working with Equity123 Lending.

You can count on Cedric to go the extra mile and keep you updated and informed. His commitment to your total satisfaction is what separates him from the competition. Cedric is a detailed oriented advisor who simply believes in doing what’s right for his customers.
-David
When we learned that another company had turned us down, we were very worried. After all, we only had a few weeks left in our escrow and to start over would be a major setback. Fortunately, our Realtor pointed us to Cedric and he and his team came to the rescue. He made no excuses and simply focused on the task at hand. He communicated with escrow, my Realtor, and Title to ensure that we meet our closing date.

What started off as a major concern ended up in a pleasant surprise.
-Donny
Congratulations, you made it happen! After two months of working with a famous bank, and only 15 days prior to the date I had to vacate the house I sold, I began to get nervous. When I mentioned this to my colleague, they mentioned Equity123. We met for about 30 minutes, after which, the race against time began. What I saw from you is how much you enjoy and understand your business.

Fifteen business days later my loan was ready to fund. You were even able to obtain a better rate and lower points than the other big bank. Thank you.
-Jim and Betty
Michelle and I want to thank you for your time, energy, wisdom, and guidance you and your staff provided us in the course of our refinance.

It is obvious to us both that without your knowledge of all the "tricks of the trade," we would not only have missed the great rate you got us but the opportunity to refinance at all. It's gratifying to know that some businesses actually perform as they promise, with service, courtesy, and genuine interest in their clients.
-Dan & Michelle
Cedric and his team worked diligently and consistently to help us refinance our home in a very specific time period in order for us to finish my office space and acquire the new equipment I needed to stay in business.

He took the time to fully understand the reasons for our refinancing, worked with us through the difficult credit process step by step, and answered every question I had. I felt he was working for my personal goals, as well as for my business endeavors.
-Shannon
I am writing to express my satisfaction with Cedric during my recent refinance. The loan application was handled in a timely, courteous, and professional manner. I have no hesitation in recommending Cedric and Equity123 Lending to anyone interested in receiving the best in service.
-Kevin C.
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Equity 123 Lending

Equity 123 Lending is a licensed mortgage broker.

All loans originated by Equity 123 Lending are funded by third party lenders. Equity 123 Lending INC, and Equity 123 Lending, LLC. are authorized to do business as “Equity 123 Lending” in certain states.

Equity 123 Lending is an equal housing lender.
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support@equity123lending.com(949) 309-2402
22512 Aliso Park Drive
Lake Forest, California 92630
NMLS ID #2033794
NMLS ID For California #2476839
NMLS Consumer Access
Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
© 2024 Equity 123 Lending INC. and Equity 123 Lending, LLC.
Our commitment is to provide unparalleled customer service and exceptional value.
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