"This was my second time working with Gabe and just like the first he exceeded every expectation. It’s rare to find someone in the mortgage world who brings equal parts expertise, transparency and genuine care. The first time we worked together I knew I’d found someone I could trust with one of the most important financial decisions of my life. The second time only reinforced that trust tenfold. Gabe doesn’t just close deals. He builds relationships and earns every bit of confidence you place in him. From day one he was proactive, responsive and razor-sharp in helping me assess the right strategy. He broke down complex numbers with clarity, laid out multiple options without pressure and helped me think both short-term and long-term. Whether we were discussing interest rates, term structure or closing timelines he never made me feel rushed or in the dark. What sets Gabe apart isn’t just his professionalism. It’s the way he makes you feel during the process. Calm, in control and genuinely supported. I never had to chase him for updates. In fact, he was often one step ahead, preemptively addressing questions I hadn’t even thought to ask yet. That kind of foresight and commitment is rare and it made a huge difference in my confidence and peace of mind throughout. We closed on time under the terms we hoped for and with a process that felt smooth and stress-free even in a market where that’s becoming increasingly rare. If you’re looking for someone who doesn’t just do the job but elevates the experience Gabe is the person you want in your corner. I wouldn’t work with anyone else."

"Gabe Carter came highly recommended by a trusted friend, so our expectations were high from the very beginning. From the first phone call, Gabe immediately put us at ease, clearly explaining the lending process while attentively listening to our needs and financial goals. We quickly discovered that buying a home in the Santa Barbara and Ventura County areas presented some challenges, but Gabe's genuine approach and respect for our parameters reassured us every step of the way. We never felt pressured or pushed into decisions that didn't align with our comfort zone. Instead, Gabe provided insightful advice and shared his extensive market knowledge, allowing us to move forward at our own pace. Exactly what we wanted. Once we entered escrow, the process moved quickly and became overwhelming at times, especially with our demanding jobs. However, Gabe was a steady source of support, always patient, understanding, and ready to advocate on our behalf. Thanks to his dedication, we secured the terms we needed, terms that made this major financial decision feel right for us. Simply put, we wouldn't be homeowners without Gabe's guidance and commitment. As we continue to grow our real estate portfolio, Gabe will always be our go-to lender. Wherever he goes, we go. We also want to express our heartfelt gratitude to the entire team behind the scenes. Tootie, Nikki, Maggie, Jill, and anyone we may have missed, you all played a vital role in making this dream a reality, and we are endlessly thankful! Highly recommended to anyone looking for a lender who is knowledgeable, honest, and genuinely invested in their clients succes!"

"Gabe, Tootie, Nikki and the whole team behind the scenes were very helpful, knowledgeable and most importantly responsive . I felt like i was their only client . I will refer them to anyone I can thanks again team!"