“We are a family in Southern California and own two homes.  We couldn't have asked for anything better for our refinancing.  Carlos Machado was a down-to-earth guy that knew his stuff very well. He did an amazing job and exceeded expectations in a timely manner. Carlos and the team gave us the analysis that we were looking for.  I would recommend Carlos, because he is very trustworthy, kind, and professional." Jose & Adela Barcenas, Plumber & Registered Nurse / Simi Valley, CA

 “I have my own small business which I started seventeen years ago. I had been looking for a lower interest rate to refinance my home, & after dealing with a couple of other companies, which just wasted my time & money in fees, I was referred to you by a friend. My expectations were met and I am satisfied with the whole process and the guidance, assistance & information from everyone involved.  I would definitely recommend Carlos Machado & Covenant Loan Funding to my friends and relatives.” Luis Lavayen, Water Treatment Technician / Cypress, CA

"Along each and every step of the process, both you and your team were there and always timely in your response.  I will most definitely refer you to my friends and family and please feel free to use my name and give my number out if you ever need a reference.” Aviva Murphy, Operations Manager / Simi Valley, CA

“The process was quick and seamless.  I was treated with respect and professionalism the whole time. The online forms made it easy to fill out the information and track the process.  Your team was responsive and always kept me updated.  I appreciate all your work on refinancing my home. I would definitely recommend you and your team to anyone!” Rob & Julie Marchuk, Vice President & Homemaker / Valencia, CA

“Carlos Machado is professional. He's an expert at what he does. Carlos listened carefully to our special circumstances and assured us he would follow our specific directions.  He kept his promise, and got the job done. I would recommend Carlos Machado to anyone looking to fund or refi their home.” Erik & Jennifer Flowers, Writer & Psy. D / Huntington Beach, CA

“Hi Carlos, I don't think I can ever thank you for all the time and attention you gave me to get my new home loan. I've worked so hard these 8 years to keep my beautiful townhouse.  I bought at the height of the market and signed a 40yr loan at 7.1% interest. I'm a Registered Nurse and I've been working 3 jobs to try to pay down my principle and save up some cash so that I could re-fi at a lower interest rate.  My financial advisor recommended you.  As soon as we spoke you reassured me that there was probably something you could do to help.   I'd been asking my own bank, B of A, for help all these years.  I even brought your paperwork to the chief mortgage officer at my local B of A branch.  She told me that what you were suggesting was impossible for any lending agency to do. I've been shouldering so much worry, wondering if I'd miss the opportunity to get a low interest loan.   With my new home loan I feel such financial relief.  I'll own my beautiful townhome before I retire from working.  And can now put more money toward savings, retirement and travel.  So, thank you for taking such good care of me. You worked hard to find the perfect lender and I am forever grateful." Sincerely, Mame Fancett, Registered Nurse / Santa Clarita, CA

“Carlos Machado was recommended to us by our Financial Planner. Since we trust him implicitly, we knew the referral would be a great one. Carlos and his staff worked hard to make everything the least amount of stress and time consuming for us. Our situation was convoluted and he stayed on top of everything until conclusion. We were pleased with the options he provided and his expertise in this profession is excellent. We highly recommend Carlos if you need financing resolutions.” Gary & Lorraine Smith, Systems Analyst / Altadena, CA

“Thank you so much for all your help getting us a mortgage with a low rate and low closing costs. That means we'll have some money for landscaping, window treatments, and all the other goodies a new home needs. The decision to move was not one we made lightly.  As you know, my elderly parents will be moving from Texas to California to live with us. Family means the world to us, and finding a big enough home for all of us to live comfortably and that we can afford made all the difference in the world.   When it came time to begin the financing process, you came highly recommended by a coworker and our real estate agent.  We had to cross qualify with the builder's lender, but chose you because of your (and Natalie's) great customer service.  You were always on top of things and gave us detailed feedback.  If any of our friends decide to buy a home or refinance, I will have no reservations recommending you and your team. Again, many thanks.” Jim & Karen Greaney, SAP Security Analyst & Homemaker / Temecula, CA

“Over the last ten years Carlos Machado has done a wonderful service for us. He has helped with refinancing our home.  Over the years he has keep us informed about changes in the market and has advised us about the best times to make changes to our home loan.”  Mike & Suzette Pazeian, Teacher & Sales Manager / Garden Grove, CA

 “In the past 15-20 years, my wife and I have financed or refinanced homes at least 6 times. In those years we have never had the pleasure working with a more efficient, attentive, and professional Mortgage Planning Advisor. Your commitment of providing us with solid, detailed financial options certainly made for a very stress free experience. Any questions that we asked were answered within hours or at the most one day.  All the emails and phone calls just to keep us informed were greatly appreciated. Anyone who doesn't grab the opportunity to have you represent them and provide the service you do, will surely miss out on the best service and experience they've ever had.  Again thanks so much for the outstanding service.” Adrian & Doinita Tirea, Automation Engineer & Office Manager / Huntington Beach, CA

“Carlos, I’m not sure if I’ve told you how much Shirley and I appreciate everything you’ve done. From the beginning, we all knew it was going to be a challenge because of our situation. But we never lost hope and didn’t give up thanks to your guidance. I don’t know if other brokers would have stuck around when we were having all those issues. But your hard work and perseverance paid off. I really can’t thank you enough. We are very happy with this purchase. We are definitely telling everyone we talk to about you and Covenant Loan Funding in the event they need financing services.” Nilo & Shriley Liwag, Systems Analyst & Retired / Sunland, CA

“Carlos Machado and staff (Natalie and Vicki) expertly accomplished my refinance loan.  The net cost was exactly as represented and loan terms were the best available.  All the current mortgage refinance complexities and client communications were well managed and my individual needs (incl. HELOC subordination, even last minute closing of loan documents at LAX!) were timely and competently serviced. Thank you Carlos. I highly recommend Covenant Loan Funding.” David Klass, CPA / Santa Monica, CA

”Thank you Carlos for the service you provided. Your attentiveness to detail, expedited loan application process, and the ease in reaching you and your staff made the whole process easier to deal with.  You made it possible for us to get the lowest possible rate without having to go through hoops and tons of red tape. Thanks again for your professionalism and courteous service." John & Rosemarie Barraza, Management Analyst & Senior Management Analyst / Los Angeles, CA

“I am extremely satisfied with your services, you did this process so easy and stress free. I never thought anyone would complete this process as quickly and efficiently as you did. If I had to do this ever again I would go back to you with my eyes closed. Not only are you knowledgeable, caring, and professional, you are an expert at what you do." Carlos & Lupe Avila, Engineer & Branch Manager / Palmdale, CA

“I am a high school teacher working in Burbank.  I was referred to Carlos by my financial planner and it was one of the best references I have ever received.  Carlos was very helpful in making the mortgage process as painless as possible. Carlos took the time to explain things and always put forth a positive and polite attitude.  His staff members (Vicky and Natalie) were also very professional and helpful.  All of them responded to my requests in a timely manner and addressed all of my questions and concerns no matter how inconsequential they may have seemed.  Carlos went above and beyond my expectations by helping me deal with difficult family members who were skeptical about my refinance AND my getting me such a great deal that I saved a lot of money AND by helping me with a Prequalification.  I would gratefully and wholeheartedly recommend Carlos to my friends that need help with their mortgages.  In short, Carlos is professional, knowledgeable and helpful and he did something that few business people rarely accomplish – I know that Carlos has many clients but he made me feel like I was his only client and for that I am appreciative." Keith Lang, Teacher / Culver City, CA

“I can't speak highly enough of Covenant Loan Funding. Having been through the refinancing process several times in the past I know that it can be a frustrating and disappointing experience but Mr. Carlos Machado proved to be a flawless guide through the whole procedure. Carlos was very informative of the technicalities, always returned answers to my questions in the most timely way, and delivered a flawless product at the end. Anyone seeking to refinance a home loan will be more than happy with Carlos and his staff.” Gene Barone, Manager / Oakland, CA

“Dear Carlos, 
I am writing this letter to you to say thank you so much for not only helping me to find the best deal for my mortgage loan, but also spending time with me to analyze my financial situation.  You are not just a loan officer, but also a great loan consultant.  Your work ethic is greatly appreciated.  You always look out for the best of my interest.  Even though I have friends who do what you do, I still choose you over them because of your personality, knowledge, work ethic, and the tools that help me to get what I need.  I have no word of reservation in term of referring you to everyone in my family's members.  Please continue to keep up your good work. Thank you.” Hoang Ho & Uyen Linh Chu, O.D. & Pharmacist / San Diego, CA 

 “My name is Debbie Killen and I would like to highly recommend Carlos. I first was recommended to Carlos by my sister and her husband who had refinanced their home with him.  At that time, about 2 years ago, I called him to see if he could help me and my husband in any way.  The interest rates were down, however, I was upside down with my mortgage, and I was trying to put my daughter through college.  It turned out that I did not qualify at that time for the HARP program or any other program.  Carlos kept my file on hand and when the HARP rules were recently revised he contacted me. His customer service was amazing.  He got me an excellent refinance and I am able to pay off most of my credit card debt and still have a lower mortgage payment.  He made me feel like I was just not just a client, but a family member.   His staff kept me informed with the progress of the loan every step of the way.  The whole process was a positive experience and I know if you use Carlos’s services you will have the same favorable results.” Rick & Debbie Killen, Driver & Accounting Manager / Canyon Country, CA

“Thank you for all of your help. Even though we were asking for help in unconventional circumstances, we felt that you were so happy to help us! Natalie was always willing to answer our questions and prompt in her replies. We were impressed by the consistent level of communication during all stages of the process. We were introduced to you through a family recommendation and we will certainly be recommending you to our friends and family in the future. Thanks again! Katherine Soule, Youth Family & Communities Advisor / Arroyo Grande, CA

"Mr. Machado, you definitely did an excellent job and I will recommend you to anybody and please use my name for marketing purpose. I'm also want to tell you that Natalie did a terrific job with following up and customer service. You two make a great team. Thank you." Joe Cervantes, CEO / Apple Valley, CA

“Carlos Machado of Covenant Loan Funding was very professional and great to work with in our home refinance. He has excellent knowledge of the housing market and the rate options available.  I was very impressed with the whole procedure and the small amount of time and effort it required on our part. I could not believe how easy he made our refinance experience. Everything was done by email from the start up to closing. Our Refinance took less than four weeks from start to finish.  Carlos and his assistant Natalie Cortez were always available to answer any question or any concern we had. Both were wonderful and extremely helpful every step of the way. They kept us in the loop and informed on every aspect of the refinance of our home. We even had public notary come to our home for closing.  Carlos made sure that every step was clearly communicated and was always there to provide guidance and reassurance every step of the way. I would highly recommend Carlos Machado of Covenant Loan Funding without hesitation to anyone with any home loan needs." Ara Bakarian & Nora Nalbandian, SWPPP Inspector/ Health & Safety Officer / Granada Hills, CA

“Hi Carlos, I feel you were very transparent and candid about refinance options during our first conversation and that gave me the confidence to move ahead with your firm. I also appreciate the fact that you had the paperwork setup right-away to lock the interest rate, which happened the very next day! Natalie did a great job at making sure I had sent all the paperwork and everything was well documented as per the bank's requirements. A big thank you for your efforts to close the deal.  Regards” Ashish & Rupal Kalani, Senior Engineer & Registered Nurse / San Jose, CA