If you have a testimonial, please let Bob & Terry know!

Past Client

"You put my property #1!" I want to take this opportunity to thank you for coordinating and overseeing such a smooth transaction. After having a horrible experience with a previous Realtor I was extremely wary and unsure that this would be a smooth process. Your professionalism and expertise eased my fear of buying a home and I will definitely keep you in mind for any future real estate needs.

Friend

I am so thankful to my dear friend who suggested that I use Terry as my real agent.  I was looking at on-line websites and it seemed that everyone I called was trying to hurry me when I had valid questions that needed to be explained.  Perhaps there were too many, but I wanted to make sure I made the right decision since I was relocating from the East coast to the West coast and not familiar with all the cities in Los Angeles county.  After much frustration, my girlfriend and her husband suggested that I call Terry.  After hearing their story, I felt like motivated to talk to yet another agent. 

Terry took all my information and even asked questions that I had not even thought about but was relevant to me making the right decision. What a pleasure to have someone listen and not hurry you and I could tell she was taking notes. She spent close to an hour with me on the phone and then emailed me some listings to choose from which were very detailed. The next day we went over them on the phone and I wanted to see all of them.  She didn´t hesitate, and made arrangements for me to see every single one.  We only stopped for lunch, which she paid for, and we completed the balance.  The last one was it for sure. It was perfect, and closer to my new office than the other ones. She truly understands the needs of out-of-town purchasers and has developed an incredible network of local service providers from home inspectors to insurance agents who made our purchase experience nearly flawless. More importantly, she really cares about her clients and goes the "extra mile" to make sure they are completely satisfied.

Webpage

After many years of working with numerous realtors in purchasing various homes in Los Angeles country, we had a goal of eventually moving to Orange Country. I can´t say that we were thrilled with any particular realtor as the transactions were ultimately finalized.  Then as the economy continued to change for the worse we were not sure if we would ever move to our final destination.  We didn´t give up hope, even though several of our transactions fell out of escrow because of various reasons associated with the seller´s bank holding the loan. So we stayed in our home an additional year.

We always wanted to move to Orange County but it was too expensive for our budge at the time.  As luck would have it, I landed a much better position with a substantial increase in our household income.  But the economy was getting worse and it seemed the odds were against us.  We heard nothing but horror stories from friends.   When our office opened up an Orange County, I was accepted for the transfer.  And then another miracle - we finally found the perfect realtor, "Terry Bradford".

Terry is by far the most professional and up-beat positive individual I have ever worked with in real estate.  Integrity is a big part of who she is, and she does what she states she will do. No worries, and no stress as she took care of every part of the transaction, and some of the other agent´s responsibilities as well. So we closed escrow on our dream home in Orange County.  Terry was an absolute delight and a pleasure doing business with her. She even took time to make our family one of her famous award-winning carrot cakes and gave us the recipe. It was the best carrot cake we have ever had.  Now that is service! 

I found Terry through her website and we used several of her associates under "The Bradford Team". What a breathtaking difference from all the other realtors.

Thank you Terry for making our dream comes true.

Home Buyer

Terry, my wife and I would like to thank you for the great service you and your company have provided towards the purchase of our first home. We are so happy to have used your services initially to purchase our home and now for our refinance. We had no doubt that you would find the plan that best fit our needs. Honestly we were surprised to see how fast and efficient your services work out. We had not met an agent that went way out of their way to make sure all documentation is correct, even if it meant tending to it personally, and being able to inquire about concerns on doc´s even after hours. We will always recommend you to friends and even people we don´t know that are in the market to sell, buy or refinance. If there´s something your company needs, I would have to say more agents like yourself that care about making a friend and not just a quick buck, Thank you for helping us find this great home.


Thank you,
The Dietz Family

Home Seller

I was so impressed by the way Terry handled her business in selling my house and I know in this economy, it wasn´t easy. Luckily, we had sufficient equity left in our home. Not only was she professional, she was a friend, did all that she could - and more. Kept me posted on what was going on and never leaving me out of the loop. When I had questions and asked for her assistant, she was there to educate me to where I would understand. And even if I didn´t understand she would repeat it over until she knew that I understood and I could only think to myself this lady has patience and is amazing. I really appreciated that. After all was done, Terry and I still remain in contact and I never want to lose that contact because I know that when I need her to be there to assist me as she has done so very well I was confident then and confident now. I would highly recommend her services to anyone. Terry, thank you so much, and keep doing what you do, you got it going on. You have my 100% appreciation for everything that you have done for me. Oh and one more thing she´s funny and kept me laughing at times when I thought I was going to lose it. Had to add that Allen. Thanks again Terry you are forever appreciated.

Home Rental

We first met Terry back in January of this year while applying for a rental unit that she was the listing agent. We wanted to rent for 6 months and then purchase a home while it was a buyer’s market. However, my credit was very bad as my husband and I had a business partner leave us with all the bills to a company that we were in partnership for several years. Also, since we do business in Japan, the funds stopped abruptly and we were faced with no income to pay many personal and business debts. Terry explained a new computer program that she had to give us a printed chart of how best to pay off what bills, and in what order. This would allow us to re-establish our credit and increase our FICO scores to what they were before. We now have a steady income and using this amazing program - before our eyes - we knew exactly what to pay off or down and in what order. We had thousands of questions along the way, but she was always there to help answer every question thoroughly and with a positive and up-beat attitude. We are so glad that we met an honest and hard-working person that really cares about others. We will definitely go back to Terry for both our real estate loan and have her represent us in finding us a home to purchase.

Sincerely, Mieko

Buyer

Dear Terry,
 
Very few things can top the feeling of opening the door to your brand new home for the first time.  Because of you Terry, I've gotten to live that.  Not only have you fulfilled this dream of mine but you've blessed entire family with the same.  Saying "Thank You" just doesn't seem like enough compared to what you've done for us.
 
Thanks for being assertive and aggressive when it came to what and when I needed things taken care of throughout the process, whether it be about the purchase of the home or through the loan process.  Without you I would have been lost but you were great in providing the proper direction and in a most timely manner.  Your knowledge has done wonders for me and my family, and for that we are truly grateful. 
 
Sincerely thankful for you and your hard work, Jackie Galang

Buyer

Terry, I was advised by my accountant that I needed to purchase a home for tax reasons. I had been procrastinating this for years as I didn’t want to go through the hassle. I went on-line and found your website. Being an engineer, I navigated and previewed throughout your site thoroughly. I saw that you were not only had a long career in real estate loans, but you were a Realtor as well. I was very impressed and decided that I would like you to represent me in both the loan process and as my Agent.
 
When we met, you were very professional and asked me questions that really made me stop and think about what I wanted in my first home. You listened, and when we looked at properties, they were not only in the location that was convenient for my commute, but you were "right on" with the detailed amenities I provide you. In fact, I hardly remember of going through the loan process as you made it so easy for me.
 
In closing, you made me feel like I was your Number #1 customer and you were always available and patient in answering my many questions. I would highly recommend you to my family, friends and co-workers. I plan to invest in another property in the future and I look forward to working with you again.
 
Sincerely, Scott

Buyer

Dearest Terry (Tita - meaning Aunt)

We cannot even begin to tell you how grateful we are to have been able to work with you in finding our new home.  It is no wonder that my family has used you for three transactions already!

As a couple getting ready to get married, finding a house seemed such a huge chore.  We did not know where to start or what buying a house required.  We were so happy when you came to us, talked us through both the loan and the real estate, and allowed our fears to be pacified. You started with the loan process which gave us the amount of the sales price that we would be able to qualify.

Thank you for always keeping us posted on what it is you were doing to help us in both the loan and representing us in the purchase as our Realtor.  We were so comfortable with the process because you were with us every step of the way.  You called us every day with an update and whenever we felt as though we couldn't find the perfect house, you would come up with a number of listings for us to choose from. 

Also, thank you for being so personable and professional.  We really felt like you cared for us beyond just finding us a house.  It's like you are now part of the family!  Thank you again for all your hard work and care for us.

Sincerely,
 

Jen Galang and Ramil Veneracion

Buyer

While look for properties with my wife one day, we came to one of your Open Houses in La Habra. We were both so impressed that you put on such a first-class setting for just a condo. The music played, you served the most delicious carrot cake ever and the whole house smelled like apple pie. You even gave us the recipe and we'll try our best.
 
As it turned out, the condo was perfect for our needs. Since we had our financing already in place, however, you not only handled all the paperwork for the purchase of our first home, but over-looked the loan that someone else was handling. If it were not for you catching garbage fees and over charging on the interest rate and points, we would have paid an additional $5,000. How could we ever thank you for going over and beyond the call of duty and not even getting paid on the loan that someone else completed.
 
The rest of the paperwork on the purchase and there was a lot a must say, you handled and explained everything to our satisfaction. We are now all settled in our home and just want to thank you for all that you accomplished in our behalf. Again, thank you for making our dream of owning a home come true.
 
Warmest Wishes,
 
The Jenkins

Dear Terry:

I cannot thank you enough for all the wonderful things that came my way since I have known you. I am very fortunate to have met you a couple years ago so that you could help me in the purchase of my home. You made me feel as your number one client. Further, you have inspired me and built my confidence back by guiding me all throughout the process and much more. You even followed through and kept in touch way past the closing of my escrow.

Then recently, I cannot believe when you did the recent refinance which took less than four weeks! Terry, you are awesome! Many blessings to you for the good person you are. Again, thank you so much.

Sincerely,

Nora Estillone

Dear Terry & Staff:

You were highly recommend by the realtors that sold me my home out here in Banning for the refinancing my home, and was I glad I called you!  I want to thank you from the bottom of my heart for being there for me throughout the loan process. 

Since I am retired and went through a broker when I purchased this home, so much has changed.  I had so many questions and you were kind enough to give me your home telephone number and gracious enough to take my calls in the evening.  You answered all my questions, and there were a lot, in terms that I would understand.  I learned so much from you and appreciated all that you have done.  You were even proficient in credit questions, which helped out tremendously to clear up old "stuff" on my credit report.  Then to my surprise I received a colored original copy of my appraisal in a beautiful folder to keep all the documents that pertained to my home.

Now I am in a loan that fits "me" in my retirement years and I have you to thank.  I know that you will continue to help others as you helped me - as this is your nature.   You were always positive and always available. 
In closing, I wish you the very best that life has to offer and please keep in touch.

Best Personal Regards,
Margaret Shew

Dear Terry:

Both Alma and I would like to thank for so very much for the speed in which you were able to refinance our home. We called you on April 11, 2003, and to our surprise we received an overnight loan application package the next day.  We filled it out and brought it into your office on April 14th in which it was submitted to your Processor/Underwriter for approval. 

Now I see why a "direct lender" is so important to a consumer.  We were formally approved within a half hour.  We wanted to lock in an interest rate, but you advised us that certain reports that were due out which may affect the rates and lets take a look at it on a daily bases.  You called us each day to let us know what the rates were and then on April 16th, we locked in out rate.  Then we were able to sign loan documents on April 24th.  Now this is impressive.

Thank you again for a job well done and I would highly recommend you and BMC Mortgage to my co-workers.

Sincerely,
Mike Massoni

Dear Terry:

Just a quick note to thank you for the personal attention you gave our recent refinance. You and your staff worked quickly and thoroughly to ensure our loan went through in a timely manner. We were so impressed with your availability to answer our questions at any time. Your staff made sure the cost to us was minimal and once the paperwork was finalized, the signing went off without a glitch. Your honesty and integrity were much appreciated. Once again, thank you, and we wish you all the best.
Sincerely,

Jerry and Patti Meras

Dear Terry:
The purpose of this letter is to express our great and real appreciation for your energetic and knowledgeable assistance when my husband and I purchased our first home last month. Never did I dare hope that when I contacted you in April, that we would be closing an escrow on the home of our dreams, the home that suits our needs and lifestyle perfectly, by the end of August.

Whenever I phoned, you immediately and conscientiously returned my call. Whenever a new and appropriate listing came up, you were the first to review it. Saturdays, Sundays, and Holidays, you were in touch, bringing us up to date with new listings and interest rates, and later, throughout the escrow. You kept us apprised on the progress of all pertinent documents. You patiently answered all questions and explained terms, which were unknown to us as first time buyers. I would like to commend your professionalism, enthusiasm, and thoroughness, including the dedicated efforts of your exceptional Bradford Team, all of whom I hold in the highest regard.

Thank you Terry, for being the key, which unlocked the door to our dreams.

Most Sincerely,
Steven and Catherine Howard

Dear Terry:
I am writing to you on behalf of my wife and myself thanking you for an outstanding job you did for us. Thank you for being so patient and helping us with the refinancing of our home.

I was very pleased with the fact that you kept us informed every step of the way. You always seemed to find the time to contact us and keep us up-to-date with our file.

I will definitely recommend you to my relatives and friends whenever they are in need of your services.

Once again, I thank you and keep up the outstanding job you do with your clients.

Respectfully, J. Barbosa

Dear Bryan Bond & Terry Bradford:
Did you know it can be very stressful buying a house? My name is Christy and my finance and I decided to buy a house. Having never bought a house before we didn’t have a clue what was in store for us. Without going into lots of boring details, I am going to skip straight on to the financing part of my story.

We picked out a new home. We were told that we had to give the finance company associated with our builder a chance to make us an offer. And in turn we would get extra thousands off of the closing costs. This is quite an appealing offer, any extra money off is good incentive for us to use their lenders. We were also told that they have a good success rate on financing most of their clients. Great, we thought, but we knew we need to get a few other mortgage companies working for us.

BMC is one of those companies. To make a long story shorter, we got the run a round from everyone but BMC! Remember the mortgage company associated with the builder? Well, we gave them all the information they requested weeks ago. We could never get them to call us back. We repeatedly heard, "Well call you tomorrow!" or "We can get you a better deal."

Now here is the whole point to my letter3; Terry Bradford and Rick Radde have measured up to everything they claimed to be. Within twenty-four hours of receiving all the information requested, an approval letter was issued to us. Phone calls were returned promptly and we even got calls when they were unexpected. They were kind of encouraging voices on the other end and we never felt as if we were bothering them. The thing is, even when BMC was ready to go for us we kept Terry and Rick "on hold". I’ll be honest, it was because of money, we were hoping to get the extra thousand off of our closing. My finance told Rick why we were holding out and without hesitation or attitude Rick said, "OK, whatever you decide, were here for you." I was so impressed with what Rick said. "Were here for you." Now let me tell you that was what we needed to hear. That night my fiance and I decided to go with BMC no matter what was offered to us by the other company. It was a matter of principle and basically the wonderful customer service from Terry and Rick. We understand that the other company was probably overwhelmed with loans and that is why we didn’t get the attention we felt we need, but we realized that it wasn’t just about the extra money we would have received, it was about prompt and courteous customer service as well.

Take that thousands of dollars and divide it over a thirty years fixed loan, it equals pennies. The price tag on the customer service we received from BMC is worth much more than that. So, we just wanted to say Thank You for helping us.

Sincerely,

Christy Pfahler and
John Jansen

My name is Kathleen Haberland, Secretary to the Police Chief of Glendale, California for 21 years. My husband, James Haberland, has been employed by the City of Glendale for 23 years as an Electrical Systems Dispatcher, Public Service Department. It is with great pleasure that we write a Letter of Recommendation for Terry Bradford, Senior Loan Officer with your Company. In August 2001, Terry refinanced our house located in Sunland, California. My husband and I found Terry to be extremely professional and a pleasure to work with. She explained the process to us in "layman's" terms. Terry was always available for us when we needed assistance. Our refinancing went well and without a "hitch." She even kept us posted daily on the interest rates just to be able to lock in a rate just at the time when the interest rates spike down. Now that is service!

We have recommended Terry Bradford to numerous other City employees; as well as, our personal friends. Again, "thank you" Terry for the stress-free refinancing process on our home.

Sincerely,

Jimmy & Kathy Haberland

Hi Terry,
I want to personally thank you, for all you have done. I couldn’t be more impressed & you did everything, in record time.

When escrow closed, I couldn’t have been happier. Two days later, I received a property appraisal report. In addition, I also received a Credit Report, within a few days, after my application was submitted. Your level of work & commitment is extraordinary.
Thank you again.
Sincerely,
Frank Cesena

Terry:
I finally had time to fill out the application, sorry. I hope when it’s all said and done, I can begin to breath normally once again and your blood flow will resume, I know that I probably have caused you a few headaches.

However, this new adventure of mine may end up, I’d like to thank you for being such a wonderful person. Youll never really know what impact you have made. Thank you.

I personally went to Trans Union and closed all my past open accounts, believe me, there were many to close. Trans Union will send me a copy of my credit report and I will forward it to you.

My contract was voted in today. So as it stands, I will be at $4500 on October 10, 2000, possibly $4600 (cross your fingers). Since Im hoping to purchase a town home of $100,000, maybe $115,000, I need to save approximately $7,000. I will do this by attempting to work about 64 hours a week till October, provided I’m still standing when the smoke clears.

I hope I have filled out all the information you requested, if not, please let me know and I will do as you request.

Well, I hope all is well with you and the business. I know you are probably making others smile with your expertise and great personality. Take care.

Sincerely,
Luis Salazar

P.S. I’m still thinking of new material to send you.