Herbert Pena
2026-02-04T14:53:04.190Z
Loan Officer Team: Herbert Pena & Johanna PenaMortgage Company: ECP MortgageFor the past 12 years, I’ve worked with over 30 different lenders helping clients obtain approvals, and I can confidently say none of them cared as much as Herbert, Johanna, and their team.What truly sets them apart is that they are not driven by commission — they are genuinely focused on the best interest of the client. Herbert’s speed, transparency, and communication were top-notch. At any given moment, I could reach out and receive a clear answer almost immediately — even outside of normal business hours.Throughout the process, I presented Herbert and his team with several challenges. I needed a pre-approval to secure the right property and place it under contract for 90 days while my taxes were being finalized. Herbert didn’t hesitate for a second — his response was simply, “Let’s go for it.”On top of that, I was under a tight time constraint and needed to close by February 16th or earlier. Not only did Herbert make it happen, but we are now closing in the first week of February, well ahead of schedule.To go above and beyond, Herbert and his team also helped correct issues with our taxes, saving us thousands of dollars — something far outside what most loan officers would ever step in to assist with.Herbert and Johanna are highly recommended, and I will absolutely continue to use them personally and refer my clients to them without hesitation. If you want a loan officer who actually cares, communicates, and delivers — this is the team.Five stars simply isn’t sufficient. If Google allowed it, I would give Herbert and Johanna a million stars without hesitation.