Couldn't be more happy with the service German has provided me and my family over the years. Alway goes above and beyond to provide the best options possible. He has helped in ways a standard bank would never.

I have worked with German for over 15 years and confidently refer him to my clients. He partners with hundreds of lenders, enabling him to secure the most suitable loan options for each client's unique financial situation. He consistently tailors solutions to meet their specific needs. German offers competitive interest rates, communicates clearly throughout the process, and his underwriting team is highly responsive-often providing updates the same day or by the next business day. He also ensures transactions close efficiently and on schedule. I highly recommend him to anyone seeking a dependable and professional lending partner.

He is very patient with clients and always available to help them.

"We had a somewhat complicated situation (self-employed + recent credit repair) and most lenders told us we'd have to wait or couldn't qualify. Germán Santibanez took the time to actually review our full picture, gave us a clear game plan, and got us approved in under 30 days. He communicated every single day, explained every form, and never once made us feel rushed or dumb for asking questions. We closed stress-free and even got a better rate than we expected. If you want someone who actually fights for you, this is the person."

"From the first phone call to signing the final docs, German was outstanding. He returned every call and text within an hour (sometimes minutes), walked us through every number on the loan estimate, and was extremely patient when we changed our minds about loan type twice. He also coordinated smoothly with our realtor and escrow company. The whole experience was surprisingly pleasant-highly recommend!"

German was professional, informative, and supportive throughout the entire process. He answered all of my questions clearly and took the time to explain each step, ensuring I fully understood everything. He made me feel comfortable and confident in my decisions from start to finish. I would recommend anyone who is looking for help purchase their home to go to German.

Thank you so much for all your hard work and support in helping us secure our dream home! We are truly and forever grateful. We hope to have the opportunity to work with you again in the near future.! We had the pleasure of working with German as our lender, and I can confidently say he provided exceptional service throughout our loan process. Our situation was far from straightforward and involved several complications along the way, but German handled everything with patience, professionalism, and a consistently positive attitude. From the start, he was transparent and upfront about all aspects of the loan, including detailed discussions around rates and options. He never hesitated to explain things thoroughly, and he always made sure we were comfortable with the decisions being made. What stood out most was his deep knowledge of jumbo loans and his ability to guide us through the complexities of ensuring our debt-to-income ratio stayed within the range required by the banks. His insight and attention to detail gave us confidence during what could have been a very stressful process. Throughout the entire transaction, German was respectful, approachable, and genuinely invested in helping us succeed. We're truly grateful for his support and would highly recommend him to anyone navigating a home loan-especially those with more complex lending needs.

German! What can I say but THANK YOU for all your help in securing our home loan. Not only were you professional, but you took the time to explain things to my Husband Eddie and I. We will forever remember that conversation that made us not just feel comfortable, but allowed us to really trust you. We hear stories on how stressful home buying can be but we both agree having you on our team made it a lot less stressful. There’s plenty more good things to say but I just want you to know the Perales family are forever grateful for your guidance and we definitely look forward in recommending you to all of our friends and family. Much thanks! Eddie, Jessica, Beto & Ivy! “The Blakely home”

Thank you German! We hit a few roadblocks during our process of buying a house but German made sure that we had a lot of back up options. He guided us every step and reassured us everything was going to be good. We put our trust in him and now we are proud homeowners. He was very helpful. He has an eye for detail, he was on top of everything during this process and was quick on his feet when things weren’t going our way. I would highly recommend his services. Thank you again German for all your help.

German is by far the best communicating lender I’ve had the pleasure to work with. He throughly explains every detail necessary to all parties involved. We were able to close escrow early even after being thrown a curve ball. He definitely does whatever it takes to get the job done!

There are hundreds of loan agents across the nation. You can buy a house in any state with an out of state loan officer, just because you like your loan officer, and you will follow him wherever he goes. I am fortunate to have found that lender in German Santibanez, and I am even more fortunate that he is local to me, ergo to my clients. German will answer your questions and he thrives on more challenging and complex questions. He will not do anything against compliance because that is easy to do. He will find the solution no matter how many calls, how many hours, how many brain cells to use, because he will find the most legitimate and reasonable answers. He will also tell you up front if it is not doable, so you and your client save time. There may be thousands, not hundreds of agents across the nation, but it does not matter. Here's my honest opinion of German. Let alone he had given me advice no matter how that borrower panned out. He didn't hold grudges, he didn't give up on me when my borrower went somewhere else, he still gave me advice. He helped me fight for my buyer when agents are influencing my buyers in their direction. That's how he earned my trust, my loyalty. Go with German Santibanez, with United American Mortgage who is a big support to him. Carmelita Tiongson Keller Williams Realty

German Santibanez assisted me with the loan process for the purchase of a property. I am truly impressed with the way German manages to meet every goal set before you. His prompt response when questions arise is key when necessary documents are time-sensitive. It was a pleasure working with German. I look forward to the next transaction. I would refer German to any friend or family member.

Working with German is a dream! I don’t have to chase him he follows up regularly with my clients and gives me updates on a weekly basis when we are in escrow. He is patient and trustworthy I truly have enjoyed every transaction with German and so have my clients who have in trusted him. I highly recommend German to any of my colleagues

Many many emotions came along in the process, now I can say I loved every part of it. I really appreciate all you and Randee did for us always so professional and ahead of the game with everything. I’m so thankful! you always gave me that peace of mind to trust you guys in the process of buying my dream home. ????????

"As a first-time homebuyer who was not familiar with the process, German was there every step of the way. He's dedicated and insightful with over 20 years of experience. You have to work fast in today's market and he is the perfect person for that. German will go above and beyond and I would highly recommend anyone looking to purchase a home to work with him."

Thanks for everything and the very fast process!

Thank you German. You helped me lock at the perfect time and got me a great rate and was always there to answer questions. I will let anyone I know who I think is one of the best mtg brokers around.

I have been working with German Santibanez at United American Mortgage for a long time now. So far he has been able to exceed my expectations. What I really like from him is the level of customer service he provides not only to me but to my customers as well, almost every time I call him he answers my calls, he calls back my customers right away and he is constantly trying to close my purchases as fast as possible. I got to tell you if you want really want the support from a great loan officer not only helping you close your deals as fast as possible, but attending your open houses not caring how far or how small the sales price is he is the guy to use.

Couldn’t have done it without you. Thanks for all the work you did for us