Testimonials

Meghan is by far the best Broker in the state of CA. As a first time home buyer, my husband and I essentially knew nothing about the loan qualifications and entire home buying process. From day 1, Meghan offered incredible service and would answer our calls, texts and emails immediately with very thorough explanations. One time, she was traveling on the East Coast and worked with us until 12am EST, noting that she promised to be there for us as needed. She advised us whenever we were unsure about things and we trust her 100%. Anything that she suggests to you, she would suggest to her immediate family members. Meghan also got us a rate lower than we ever imagined and we were cleared to close 9 days before the actual closing date. She wastes NO time and always has everything done on her end, way in advance. When we had left over credits in closing costs, Meghan strategically applied it to our HOA fees for the next 3 years. I've recommended her to everyone that I know. THE. BEST. EVER

D. Venables

June 14, 2023

Barbara U. from Oceanside, CA

Meghan Fitzpatrick was highly recommended by my real estate agent in 2017. I was recently widowed at that time and was living in the San Francisco Bay Area and I was relocating to San Diego County. I was purchasing a home for the first time as a single woman and was overwhelmed with my circumstances. Meghan made the lending process so easy and painless for me.

With interest rates dropping recently, I knew I wanted to refinance my home so without hesitation, I contacted Meghan right away to start the process. I would highly recommend Meghan. She has the best customer service and is simply amazing!

Barbara U. December 6, 2022

jhunking from San Marcos, CA

Meghan was amazing to work with. The entire process was extremely quick and painless. And she saved my family a ton of money!!!! Thank you so much Meghan!

J. Hunking December 6, 2022

Meghan Fitzpatrick is a true professional and expert loan broker. Buying a home in today's environment is not for the faint-of-heart. The level of scrutiny by lenders is intense and can be overwhelming; however, having a loan expert, such as Meghan, makes this process much easier to navigate. Meghan delivers impeccable customer service by staying on top of the details and leveraging the various loan instruments available to deliver the best option for her clients. She is "over-the-top" responsive when it comes to returning phone calls or emails and consistently follows through on every commitment she makes. She is also quick to act and adapt to changes and unexpected challenges to ensure that all necessary documents are delivered on time to escrow for closing to occur as scheduled if not early. Meghan is now my loan broker for life. She earned my trust, respect and admiration as one of those rare professionals that truly "walks the talk". She's the real deal indeed!

user13377618 from Carlsbad, CA January 20, 2018

We used Meghan when we bought our first home in 2010. My husband and I had a lot of questions as it was the first time we had ever applied for a loan, let alone someone as large as a mortgage. She was very helpful and patiently explained everything to us every step of the way. It made our first home buying experience a much less stressful one.We did not hesitate working with Meghan again five years later to see if it was a good time to refinance. As with our first experience, things went very smoothly and Meghan locked in a terrific rate for us. We highly recommend Meghan Fitzpatrick!

mrskryten from San Marcos, CA September 20, 2015

We know we can count on Meghan to assist us with all the details that are always a part of any transaction. She can untangle the most complicated problems and resolve them quickly. She has our highest recommendation.

fmaldon5 from Oceanside, CA January 20, 2018

I've had the pleasure of working with Meghan on three occasions (a home purchase loan, and two re-finances) and could not be more pleased with my experiences. Without a doubt, I will use her in the future, and continue to recommend her whenever I get a chance.

bdburns1 from Oceanside, CA August 11, 2016

Meghan went through the process with me step by step. She very promptly responded to emails and phone calls. Very professional but also personable. I'll definitely use her services again should I need another loan. Thank you Meghan!

redridinghood1 from Vista, CA October 10, 2016

How wonderful it is to find professionals that know how to shield the consumer from the increasingly insane world of passwords, Indian call centers, internet scams and endless hold times.

Meghan and Celeste made my somewhat tricky refinance a success and I am most grateful for having retained their services.

Above all I loved being able to contact them at any time and having almost instant responses. Wonderful.

Creative solutions and solid industry contacts make them a solid team.

Highly recommended.

Chris T, San Diego January 20, 2017

When it became clear that we were initially working with a different company and a "less than stellar" firm for our mortgage refinance, we were referred to Meghan at Fitzpatrick Capital. She was able to immediately identify inconsistencies and areas of concern with the prior lender, and she proceeded to facilitate a much better mortgage loan for us. In addition, she was very responsive and did everything could to make it a smooth process and avoid the time delays and cost of duplication. We can't thank her enough!

kdaudert from El Cajon, CA December 15, 2016

Meghan was very helpful every step of the way smart and responsive. Very get it done attitude, plus very personable. Would highly recommend Meghan and her staff for anyone looking for a loan or refinance.

moperini from San Diego, CA October 15, 2016

During 2016 I refinanced a primary residence, vacation residence and assisted my daughter and son in-law in purchasing their first home.

Meghan Fitzpatrick through Fitzpatrick Capital, was instrumental in securing loans at historically low rates. Megan's guidance through every step of the process was invaluable as was her responsiveness to phone calls, texts and email. Meghan's personal service, attention to detail and competitive fees provided peace of mind in knowing I had selected the correct mortgage broker.

I will not hesitate in choosing Fitzpatrick Capital to handle my future mortgage needs. Thank you Meghan!

Coasting2012 from Pacific Grove, CA December 20, 2016

IT WAS GREAT WORKING WITH MEGHAN AND CELESTE AGAIN WITH THE SAME AWESOME EXPERIENCE. THEY DID THE HEAVY WORK. WE JUST SUPPLIED A FEW DOC'S AND LET THEM DO THEIR THING WHICH MADE FOR A VERY STRESS FREE REFINANCE. THEY ARE TRULY KNOWLEDGEABLE, EFFICIENT, AND TRUSTWORTHY. NO SMOKE AND MIRRORS, IF THEY TELL YOU SOMETHING YOU CAN BANK ON IT. HAVE REFERRED FRIENDS AND RELATIVES. THREE WEEKS FROM START TO FINISH.

 

innermarke from Carlsbad, CA 9/26/2017 September 26, 2017

I worked with Meghan for the first time about 7 years ago now. When you find someone as dependable and on their game as Meghan she is worth going back to. I have found that she runs ahead of or right on schedule and I appreciate that. She does a thorough job and for our purposes this is so important. She is quick to respond to questions when they arise. I know my case is difficult as I am complicated in my income background now (i.e. self employed with a trust involved). My husband and I have done several transactions with Meghan over the years now and have always had great success faster than expected and she is accurate so there are no surprises. I don't think this last transaction took a full month to complete even with all of our obstacles and our rate came back better than expected. We highly recommend her to everyone, be you first time buyers or just someone seeking financing for other reasons like us, she will make your experience a good one. I am a repeat customer for a reason...Thank you Meghan!

 

Valdez Trust from Orange, CA 9/1/2017 September 1, 2017

My father is in the real estate industry and referred me to Fitzpatrick Capital to refinance my home. He said they were the "Best in the Business", and he was right.

Initially I wasn't sure what I wanted except the limit for my payment and term. Meghan helped me work through the rest of the detail and provided me with a few options to choose from.

Communication was stellar! There were no surprises and never a question on status of my loan.

The process was extremely convenient as well. I was able to communicate via email (which I prefer) and sign documents electronically. A notary service was sent to my home for the documents I had to sign in person.

My loan was funded on the 23rd day after my initial contact.

Based on my experience, I highly recommend Fitzpatrick Capital.

zuser20140616210609612 from Aguanga, CA August 2017 August 20, 2017

I first met Meghan over 10 years ago when she helped me with my mortgage on my first home. She closed on time and the rates were awesome. Since then I have referred her to my sister and other friends and family and they all have nothing but great things to say about her. Most recently I purchased a home in June and once again, she had everything on our side taken care of ahead of time. Buying a home is a big decision and you don't want to lose the home you found because your financing fell through. I never worry working with Meghan.

June 2017

zuser20160826183607464 from Poway, CA JUNE 2017 June 20, 2017

Meghan could not have been more helpful or have given better service. She led me through the entire process, kept in constant contact with me and everything was quickly done. She took the stress out of the process, and gave me great piece of mind. She was a pleasure to work with!

Closed April 2017

christinakm29 from El Cajon, CA April 20, 2017

Meghan Fitzpatrick is a true professional and expert loan broker. Buying a home in today's environment is not for the faint-of-heart. The level of scrutiny by lenders is intense and can be overwhelming; however, having a loan expert, such as Meghan, makes this process much easier to navigate. Meghan delivers impeccable customer service by staying on top of the details and leveraging the various loan instruments available to deliver the best option for her clients. She is "over-the-top" responsive when it comes to returning phone calls or emails and consistently follows through on every commitment she makes. She is also quick to act and adapt to changes and unexpected challenges to ensure that all necessary documents are delivered on time to escrow for closing to occur as scheduled if not early. Meghan is now my loan broker for life. She earned my trust, respect and admiration as one of those rare professionals that truly "walks the talk". She's the real deal indeed!

Ruffin September 8, 2015

I highly recommend Meghan to anyone. My refinance fell thru initially due to my job status (I was a temp). Meghan checked in on me from time to check on my status (approx. a year). Once I was converted to a permanent employee we got the refinance going. She was very quick and responsive to any of my questions and always kept me informed on where we were in the process. I will definitely use her services again in the future and would recommend anyone looking to get financed to do the same.

D. Mora September 8, 2015

Thank you again for all of your professionalism Meghan. You have made my life easy on this loan.
Have a good evening,

Jerry September 8, 2015

I recently had the pleasure of using Meghan Fitzpatrick and Celeste Mayer of Fitzpatrick Capital to organize the financing for my home purchase. Meghan assured me a speedy, twenty one day approval and closing. As it turned out, the entire process from filling out the loan app, to escrow closing, was 14 days! These ladies were in constant communication with me the entire time. Any question I had received an immediate call back. Extremely professional and efficient. I would highly recommend Fitzpatrick Capital

E. Mehlinger September 8, 2015

Working with Meghan has been a pleasure. Her and her team provided flawless service for both of my recent home loans (VA and subsequent refinance). If you are eligible to use the VA home loan and want a true zero cost purchase, do yourself a favor and contact Meghan. She is an expert in home loans with suburb customer services & prompt her correspondences.

C. White September 8, 2015

I have made several home purchases, and a refinance with Meghan Fitzpatrick over the last several years, and I would certainly recommend her services to anyone looking for a home mortgage. She always helps things to move along as efficiently and quickly as possible. The next time that I need a mortgage broker I will be going with Meghan and her team again.

R. Wheeler September 8, 2015

I had an unbelievable interaction with Meghan. Her responsiveness and tenacity to get through the process meant getting into a house far quicker than i thought possible.

I would recommend her services to any one I meet. 

Truly a pleasure.

Rick Laird December 3, 2014

Seriously, you’re AMAZING! I don’t know how you do what you do, but you made the
home buying process a lot easier! Thank you for being so helpful and for going the
extra mile!

You rock and thanks again!

Stacie September 23, 2014

This is just to express my thanks for all the hard word you put into make my first
home buying experience come true. You have been amazing whether it be
answering all my questions or taking care of things so quickly. Thank you so much.

Shannon September 23, 2014

After such a long road, we are finally happily settled in our new home, and it never
would’ve happened without you. Thank you for your advice, your diligence, and for
being there every time we needed you, you’re awesome.

Thanks,

Nick and Stephanie September 23, 2014

You’re the best!

Closing escrow means were done and the house is ours, but it also means we will not
have the pleasure of working with you on a weekly basis. Heck, maybe we should buy
another one just to keep our relation going with you.

Sincerely, the day I met you was the turning point in our house quest. You have made
all the difference and we truly appreciate your prompt, thorough, friendly service with
keen insights and advice. I plan to keep this house for many years, but I never want to
go through this process again without your service.

Very Sincerely,

Ron and Kari September 23, 2014

We want to thank you for all the help that you gave us. You went above and beyond
our expectations; you were instrumental in getting the house of our dreams. We look
forward to many years of working closely with you and we will be recommending you
to all our family and friends.

Thank You,

Joe and Adriana September 23, 2014

I just wanted to thank you so much for everything! You truly were the best! I would have
been a wreck w/o you. You really did make our dreams a reality.

All the best,

The Fredricksons September 23, 2014

Thank you from the bottom of our hearts for helping make buying our first home go
so smoothly and quickly. We were so pleased with the entire process, then to close
so quickly and put the cherry on the top.

We have already recommended your services to others who have mentioned they are
buying in the near future, and will continue to do so. Again, thank you from me
and Mark!

Best Wishes,

Jo September 23, 2014

Meghan went above and beyond to help me get my loan taken care of in just one week! I was on an extreme time crunch and Meghan and her amazing assistant Celeste came though for me big time. They've made my first home buying experience an extremely smooth process and continued to get me the information I needed well after closing of escrow and moving into my home. I'd recommend her to anyone who asks. Thanks again for everything!

zuser20140609165014136 October 10, 2014

Meghan has completed several loan transactions for me over the years and always astounds me with her knowledge and ability to get the loan done efficiently and in a timely manner. She keeps you in the loop at all times and is always available with any explanations I may need. Her years of experience enable her to get the info up front so that you are not forever tormented by last minute paperwork to get the loan approved and funded.

If I have a need for future loan financing, I will not shop around, Meghan has already proved herself to be top notch.

limeybernardo October 10, 2014

I wish there were 10 stars because I can't say enough GREAT things about Meghan Fitzpatrick. Working with Meghan not only saved me MONEY but it was the easiest part of the home buying process for this first time buyer. She is so responsive and on top of the process, I'll be recommending her to anyone for as long as I can.

We didn't make it easy on her either, My wife and I came to Meghan with a huge problem and we feared that we had lost our first house. The broker that we had been working with tried to pull a fast one on us right before the close of Escrow by switching out the terms of our loan. It was a shady move and we were worried that we were going to have to walk away from the house and our downpayment just DAYS before closing.

Luckily, I was recommended to Meghan. In just SEVEN DAY, Meghan secured us a loan with a BETTER RATE and a rebate on top of it. In the end, we ended up making money by using Meghan.

But more than the money. Meghan made it EASY! She explained the process every step of the way and would take the time to show us all the options. She always answered her phone or called us back as soon as she could. She would always email back immediately and she kept on working for us right up till the end.

EVEN NOW, weeks after closing, she's still offering advice and checking in to make sure we're happy.

Meghan works hard for her clients, even when there isn't anything in it for her. You cannot be taken better care of a mortgage broker.

zuser20140617171817241 October 10, 2014

Meghan is awesome! Easy to work with and patient. She and her staff are professional, friendly and exceptionally efficient. So efficient in fact, that we had the option to close early! I'd absolutely recommend Meghan and Fitzpatrick Capital to anyone looking for a mortgage broker.

bdburns1 October 10, 2014

My fiancé and I used Fitzpatrck Capital while purchasing our first home. We had a fantastic experience! Meghan was very helpful in guiding us through the entire process. She was always available to answer our questions and provide any guidance we needed. She was extremely professional and timely. The process was about as easy as it gets and we would recommend Fitzpatrick Capital to all of our friends and family! We were even able to close about 2 weeks ahead of schedule. If you are looking for a lender for a home purchase, look no further!

c heb pt October 10, 2014

Normally I wouldn't give 100% reviews for someone, but I could not find one issue with my experience with Meghan. She helped me buy my first house in April 2012 and because the housing market worked to my benefit, she just did a cash out refi getting rid of my private mortgage insurance and giving me some cash in hand. From the time we first spoke about the refi to the day we closed... less than a month. That never happens!

stacieatkinson1 October 10, 2014

OMG Meghan and her team (Celeste) were AWESOME to work with. I have had bad experiences in the past with lenders and Meghan/Celeste has changed that completely. I would highly recommend their services to anyone purchasing a home loan, the entire process was handled professionally, quickly and I never once felt left in the dark. Celeste would respond to emails almost immediately which was so refreshing compared to my past experiences. Thank you Meghan and Celeste for All your help! 🙂

kerrygbaird October 10, 2014

Very quick to respond, presented all options for my consideration and professional service at all times. I will continue to use and recommend Fitzpatrick Capital for future loan servicing needs.

richard j mahler October 10, 2014

Being a first-time buyer & not being very savvy when it comes to the loan process, Meghan was very helpful from the pre-approval process all the way through the close of the loan. Meghan and her assistant, Celeste, were there with me every step of the process, explaining the process step by step, answering my questions, clarifying answers for me and making sure that I was understanding everything. They made every step as easy as possible for me. They were always available when I needed an answer, very quick to respond to phone calls or emails. I could not have asked for a better broker to be in my corner. I would recommend Fitzpatrick Capital for all your loan needs!!! 5 Star Service!

cortneyr28 October 10, 2014

Meghan and Celeste were incredible. Very professional at all times and were on top of everything at all times. We really had a stress free process with them doing our mortgage loan and I would highly recommend this team for any dealings on loans. I am so happy we got to work with Meghan and her team on this house -- it was a very satisfying experience.

bjwbaird October 10, 2014

Meghan and Celeste were incredible. Very professional at all times and were on top of everything at all times. We really had a stress free process wit them doing our mortgage loan and I would highly recommend this team for any dealings on loans. I am so happy we got to work with Meghan and her team on this house -- it was a very satisfying experience.

October 10, 2014