*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*
If this is your first time working with a CPA, don’t worry — most professionals offer a free consultation and will walk you through what to expect. You may be asked to complete an intake form, share financial documents, or set clear goals for your session.
*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*
*Tip: Organize your documents in advance to save time and ensure accuracy.*
*Note: Preparation helps you make the most of your CPA’s expertise.*
*Note: Every CPA is different — take time to find one who fits your goals and style.*
28015 Smyth Dr
Santa Clarita, California 91355
We cannot express how grateful we are to have worked with Fred and the team at American Family Funding over the last 10 years. As a small business owner our situation requires a company that will take the time to make it work and AFF came through spectacularly. They are very easy to communicate with great follow up!
We have used American Family Funding several times. Fred Arnold is the best person we have ever used for our mortgage needs. He is communicative, knowledgeable and responds quickly to any questions or concerns. And he is just such a nice person. His team is top notch! From beginning to the end of the process, they were professional and expedient. I can't say enough good things about our experience. If you haven't already, give them a try.
SO grateful for Fred Arnold and his amazing team. This was my first experience purchasing a home on my own and as well as a many years since I had purchased before. Fred and his office staff has always been super kind and helpful when answering my questions and helping me to complete my forms. Thank you so much.! I will definitely continue to remain a loyal customer ??
Fred Arnold and his entire team were incredible throughout the process of buying our first home. He took the time to communicate and explain every step of the complex process and we are so very grateful for his assistance. Fred is attentive to detail, fast to respond and extremely professional. We highly recommend him to all!
Fred and his team at American Family Funding are AMAZING. Buying a home can be stressful especially getting the loan. Fred and his team walked me through the process, answered all my questions, kept me informed with what's in a manner that made me feel at ease and confident which made this process joy! I highly recommend Fred and his team.
I highly recommend American Family Funding. Fred Arnold is a genuine person who always makes himself available. He and his team were professional and courteous through every phase of my loan. They were always proactive in communicating the "next steps" I should anticipate. They were clear with instructions, and patient in providing answers to questions. Thank you AFF, and also a special thank you to Scott and Sue for recommending Fred.
Fred Arnold and his team were outstanding to work with when purchasing my home. Initially, Fred used his experience and connections to help me qualify for a loan and then walked me through each step in processing and funding my loan. He and his team were very patient with all of my questions and never made me feel silly for asking. They were very professional and understanding to the stress of buying a home. I will highly recommend American Family Funding and Fred Arnold to anyone I know buying a home or re
We have worked with Fred & AFF multiple times over the past many years and have always had a great experience. The rates he secures are good, the process is easy, he's always available to answer any questions. And even more importantly, he really works to understand what your goals are and share options accordingly. I've recommend him to many friends, all have had positive experiences.
I've had the pleasure of working with Fred and his team for years. Under stressful circumstances, they are always incredibly patient, and kind. Their positivity and helpfulness is clearly by design, rather than on accident. I am consistently impressed with the level of professionalism with a personal touch, provided by American Family Funding and recommend them wholeheartedly.
We worked with Fred Arnold and his staff to refinance our house and I highly recommend American Family Funding. The staff always kept in touch, returned calls immediately and was very patient with my questions. Fred was kept in the loop the whole time and stepped in when needed to answer questions. Very pleasant experience and I highly recommend American Family Funding!!
David was awesome to work with, we started our journey over 18 mos ago when we were trying to decide whether to get a loan to improve rental properties or our primary residence. He was really low key but checked in every two to three months. When we were finally ready he made the process so easy! His company makes online documents really straightforward. It was a pleasure working with David and he gave us great service. Highly recommend him for your mortgage financing needs.
Fred Arnold provided us with the best no-hassle refinancing experience I have ever encountered. The loan process was progressive, timely, and highly professional, yet caring and attentive. During these challenging pandemic times, he and his team forged through and were able to process our loan in an efficient and timely manner. We highly recommend American Family Funding for any loan matters. We will use him again should the need arise.
Fred with American Family Funding took great care of us. We had a tricky lending situation. Fred make it simple for me as a first time home buyer with terrible credit. His conduct is as professional as it gets! Fred is personable, patient, very quick to respond, and precise in all of his paperwork and calculations. I would highly recommend American Family Funding and Fred 1000 times over!
Fred Arnold and his team at American Family Funding were terrific at arranging for a refinance of our home. Fred suggested a great refinance option for us and then their service was quick and responsive. Expectations were established and met and they provided timely updates along the way. I strongly recommend Fred and his team to anyone looking for a purchase loan or refi..
Fred Arnold at American Family Funding got us a great rate. He explained every step of the loan process and his team were patient with us as we gathered the information needed to qualify for a loan. The bottom line is that we can afford a nicer home than we thought we could thanks to Fred's expertise and contacts.
We have worked with Fred and his office for our original mortgage and our refi. Fred is always great in taking the time to explain both the mechanics and options that comes with financing. If you don't understand something the first time, just let him know because Fred is a great communicator. I would highly recommend anyone looking to finance to call Fred Arnold.
Fred and his team are incredibly reliable, hard working, and talented. Fred was able to find us a home loan when nobody else could. He is the BEST!!! Thank you Fred. You have a loyal customer for life!
Fred is great and very prompt and detailed. A very good communicator as well. He really provides very personal service and keeps us informed throughout the year with an informative email. He has provided us with cool gifts throughout the year and timely holiday cards. We are very thankful for his service. He is also a great guy!
Fred and his team were great in handling our refinance through these trying times. He expertly guided the process and considering the backlog of applications we were pleased with the speed and efficiency of closing our loan. We would absolutely recommend Fred and American Family Funding.
Fred and his team were incredible and extremely helpful with my first home purchase. Fred was very easy to talk to and always responded to my calls and texts promptly! I highly recommend them!
Fred and his team are wonderful. So knowledge and helpful. They guided us through every step of the loan process and made us feel at ease the entire time. We are grateful for each of them and would highly recommend them!
Fred and Nicole at American Family Funding were amazingly thorough and responsive to all the questions and uncertainties of our first home buying experience. I felt that Fred was patient and supportive in explaining all of the options within the complex process of buying a house and he was willing to repeat things, that I didn't understand the first time, without causing me to feel pressured or overwhelmed. These guys rock! And I will definitely call AFF again if I ever need to buy another house.
Fred and his team are amazing. My refi was tougher than most because I am an independent contractor. They hung in with me. They are very organized and communicate regular status updates. I highly recommend them.
Five stars for the love we got from everyone we interacted with at American Family Funding. They took the time to learn about us and our needs and desires before they recommended a plan for us. Then they moved forward efficiently and effectively to make it happen. Great job! Any mortgage broker can get you a loan. Only the best can get you the right loan for you at the best rates. American Family Funding is the best. We recommend them highly. Virginia and Bill Miranda
Working with Fred is great. Him and his team are great at what they do. I would refer family and friends to American Family Funding 100%. So excited about our new home. Thanks again Fred and team for a great loan and a great experience.
I just completed a mortgage refinance with Patti Handy from American Family Funding and I was extremely pleased with her knowledge and friendly and professional service. It was a complicated transaction that required some extensive paperwork and she explained what was need and why and helped me whenever I needed assistance with a positive and upbeat attitude. The processors and underwriting all worked well together and she uses an escrow officer that is outstanding too! A really great experience and we f
Tom Pflaumer is the best there is! He helped us every step of the way in buying our first home. We have been in the home buying process for three years trying to find our perfect home and he stuck it out with us the entire time being patient, giving guidance and mentoring us through the whole process. He is very professional and is as honest as they come. He made us feel comfortable with our purchase by constantly crunching numbers for us for different scenarios so we can get the best deal. He's one of a ki
There are many choices when it comes to home loans and refinancing, however, when you are looking for a broker look no further as American Family Funding is amazing. They are so responsive, reliable and knowledgable. Ask for Fred Arnold, we have built a trusting relationship for over 8 years. Not to mention he helps all of my referrals get into a new home even when they did not think it was possible. Plus, American Family Funding is a community player and always helping the Santa Clarita valley community. I
Fred and his team are top notch, they are on top of all the steps and keep you updated and informed throughout the refinance process. This was our second time trusting Fred with our refinance and highly recommend him and his team.
Fred Arnold of American family funding did amazing job with her refinance! It was fairly complicated with lots of details that needed to be fixed, he really hung in there and did a great job! I would recommend Fred and his company to anybody doing a refinance of their home!
We did two refi's with Fred over the last two years. It was a great experience and Fred was a man of his word. The whole team worked very hard for us and we thank them. Highly recommend.
I can sincerely recommend Fred Arnold for all your home loan needs; he and his business associates are professional, courteous, and competent people. Very friendly and likable as well! Thank You for your services. Connie Estrada
American Family Funding just helped us through the re-fi process on our home after being told by our previous mortgage company that we would not be eligible to obtain a re-fi due employment and financial challenges caused by Covid. Fred Arnold thought different, and he and his staff at American Family Funding walked us thru every step of the process with kindness, precision and ease...can't say enough good things about every single member of their operation. Great attitude and a desire to serve people beg
Fred and his whole team were amazing in completing our refinance. I appreciate all the hard work they put into assisting us and making sure that everything was covered and ALL of my questions were answered (yes, I had a lot). I appreciate them and will be referring to them in the future.
This is my second time refinancing my mortgage with David Cantrell and American Family Funding. Their customer service and communication is outstanding and David was able to find a great rate to help me meet my financial goals. The AFF staff and the escrow company made it secure and easy for me to upload my documents, provide e-signatures, and even the in person notarizing of my final documents was handled safely and securely. I highly recommend their services.
We had a great experience working with David Cantrell and staff. The process from the first phone call to David regarding a refinancing loan, to the offer made regarding the Loan amount and the Interest rate, and the Escrow Closing was easy and convenient. We highly recommend American Family Funding.
Tom and The American Family Funding team were phenomenal with acquiring my wife and I our new home loan. Interest rates and fees were very comparable to the big banks and other lenders, and I knew being self-employed the possibilities were apparent of our loan not panning out, but they went the extra mile working diligently to explain the unique circumstances not always defined in financial paperwork. This is not my first experience with the American Family Team, and if my plans ever change from this being
David was great to work with in helping us close on both of our homes. He was extremely polite, professional, highly responsive and instilled a sense of poise in helping us get to the finish line which was key! I highly recommend David and the rest of the team - Thanks again! Mike
Fred and his team were outstanding. All documents were prepared and ready as promised. We have used American Family Funding in the past and will definitely use them in the future... A big thank you to you Fred and your team!
Lauren was amazing in helping us with refinancing our home! After having multiple negative experiences with other companies, American Family Funding, and Lauren really came through for us, she was well informed on how to get us the best interest rate and lowest payment in a very timely manner. Thanks Lauren and American Family Funding, we will definitely recommend you guys to family and friends!
Jake is professional, kind and extremely helpful. This was a process out of my comfort zone and Jake made it a positive experience in every way. He went out of his way to assist and accommodate us as we have a very busy work schedule. Jake is the best he was encouraging ,supportive and helpful through this process. I highly recommend him. He is AWESOME!!!
Dave Barton and Mountain West Mortgage are the best of the best. Dave helped us with our first mortgage 15 years ago and just helped us with our mortgage on our dream home. Dave treated us as friends from our first meeting. We felt like he was personally invested in getting us the best rate and giving us the best service. We cannot say enough how grateful we are for all that he has done for us.
Started a new Job and business 5 months ago and Fred help me refinance. It was smooth, quick and he got me a great rate, with an awesome lender. No one could have done it better. Thanks Fred!!
We first worked with Fred Arnold over thirty years ago! He and his staff have alway provided exceptional service. Without a single exception, they are all knowledgeable, professional, and helpful!
American Family Funding is great to work with. I've been working with them for the past 12 years and they are always professional and get the job done! I've referred them to numerous acquaintances who have also had great experiences!
I am a first time home buyer. Rhona Jukes and her team were fantastic. Rhona went above and beyond my expectations. The process was very smooth and painless. Words cannot express my gratitude. Rhona was knowledgeable, supportive, accommodating, warm, and welcoming. I will definitely recommend Rhona and her team to friends and family. Thank you Rhona and American Family Funding!
Fred and his team were the best. He was recommended by a friend and I wouldn't hesitate to recommend him myself. The loan process was smooth and quick.
Fred and his team made the refinance process simple and easy and we also received a very competitive rate in a rapidly changing environment. I'd recommend working with American Family Funding for your mortgage needs.
Rhona and the team at American Family Funding were the best we could have asked for. Rhona is very caring, professional, patient, and thorough, and made our process a lot less stressful. I highly recommend Rhona and her colleagues.
Rhona was so unbelievably helpful on our journey to purchase a new home. She really took the time to help us understand the intricacies of getting a loan and buying our first home. Rhona went above and beyond to make our experience an easy one and I would highly recommend her to any home buyer, and especially those buying for the first time. You won't regret working with Rhona!
It was a pleasure working with American Family Funding and Fred Arnold. Got a great and lowered our last refi by 1%. They were fast, efficient and easy to work with. I would recommend them, actually I have to several friends. Thanks again.
David Cantrell is the best loan agent I have had in over 33 years of mortgage loans and multiple properties. And trust me, if he was not good, I would be the first one to complain about him. After a nightmare mortgage loan process with a major bank that was taking 4 months, I turned to David and American Family Funding and he completed my loan in a month with no drama or stress. I highly recommend David Cantrell and American Family Funding!
Fernando Gauna was amazing! As a first time home buyers my husband and I were nervous and didnt know what to expect, we had heard some horror stories. Fernando made himself available around the clock for questions or concerns. You can tell he has been doing this for years, he is so knowledgeable and put our best interest first! He personally walked us from start to finish with our loan, helped us compare our options, we couldn't be happier! We wont even consider working with anyone else for future needs. Th
David Cantrell was my loan agent and was great to work with. He answered all my questions and reassured me every step of the way. He ended up getting me a great interest rate and made the process easy overall. I would recommend him to anyone in need of these services.
David was terrific, expertly expediting our refi. He patiently fielded our many questions and guided us through the process. Working with David Cantrell was an excellent experience, highly recommend!
Fernando and American pacific mortgage are outstanding and professional organizations. They were great at communicating information and working explicitly with costumers. I would recommend them to everyone. The experience was exceptional.
Fred and his team are excellent to work with. They made a challenging process go smoothly and were very helpful at every step along the way. I highly recommend them.
My wife and I had a fantastic experience working with Patti and her team. I had originally started the re-fi process with 2 lenders, AFF and the other was one of the big banks. I ended up going with Patti since the big bank lender did not deliver when and what the committed to, Patti met all her commitments to us exceeding all expectations. I would highly recommend using Patti Handy and AFF!
Had a great experience with Fred helping us with not one but 2 loans simultaneously and meeting struck deadlines. Fred helped us tremendously and we are grateful for all his help and guidance!!!
It was the easiest, stress free loan experience either of us have EVER experienced! Fred and his staff we're a pleasure to work with. If all loans go like this, why would anybody go anywhere else?
Thank you Fred Arnold! This is our second Re-Fi with American Family Funding and Fred always makes sure he comes personally with the initial paperwork and walks us through the WHOLE process, who we will be hearing from, what comes next, etc. We would never go anywhere else, we always finish on time, and feel like we have been well taken care of. Thank you again!
I cannot say enough about American Family Funding and specifically, Tom Pflaumer. From the beginning of this process to the very end, my husband and I knew we were being taken care of by the very best. Tom Pflaumer is extremely knowledgeable, patient, and always has your best interests at heart. Tom and American Family Funding care about you and take the time to listen and understand your needs. They work hard towards helping you with your home loan needs, so if you are looking for where to go, THIS is wher
Truly an excellent experience. Fred is extremely professional and is always there for you to answer questions. I am very happy with how everything worked out with my loan.
Patti Handy is second to none. She is thorough, easily accessible, extremely knowledgeable and one of the most trustworthy and ethical people I know. I have worked with Patti for years as I am a real estate appraiser and realtor/broker. I also know many people who have used her services repeatedly for years. I trust her expertise and know that she would never steer me (or my clients) wrong in the financing aspect of real estate.
Jake Young?s kindness and professional assistance has made my worries about loans to go away?just like that??His good nature has made me to comeback on trusting the financial business world. Thanks very much, Jake, for keeping your good words on making the loan process as easy and prompt.??
Fernando and his team have been great. This is the second time that we have done business together and I am very satisfied. I would definitely recommend him to anybody I know that is looking for a mortgage.
Tom Pflaumer was recommended to us by our CPA. We reached out to Tom several years ago to refinance our house, but Tom was unable to help us at that time. We were upside down with respect to the value of our home. Tom never gave up, however. He kept in touch, watched home values, and worked with us until our home value, credit portfolio, etc., were aligned to enable us to work out a much more advantageous deal. We were able to pay off a second mortgage with a high interest rate and another account. Our ne
We just closed on our 2nd refinance with Fred Arnold. He made it so easy and painless. He's trustworthy, honest and truly looks at what's going to be best for your situation. HIGHLY RECOMMEND!!
After getting our offer accepted on our dream home, the seller?s agent told us ?you weren't the highest offer, but your lender was so responsive and helpful that the seller?s felt confident accepting your offer.? Thank you Fred and team!
First of all, our case was not your typical home buying case... it was a complicated 11 month probate process with a goal to purchase. There were so many chances of failure, but Vytas understood the situation very well and helped us every step of the way resulting in a successful life changing purchase of the new home. His expertise was exceptional!
I called American Family Funding based off the reviews. They must not really need business because I was told an agent would call me right back to discuss a home loan. I was never called back. I waited three days before writing this review.
David was very very nice and extremely helpful and easy to deal with. I just would?ve liked more communication without me having to initiate it. That being said , I would definitely use him again if the need arises.
Jake with AFF was the epitome of professionalism, patience, and friendliness. My loan needed a bit of special handling, and Jake was there to hand it off smoothly.
So many aspects of house buying can be stressful. I bought in Joshua Tree and am grateful that Jilyn was so helpful. She made the process very easy and was very informative every step of the way. She went above and beyond her job and I would definitely recommend going with Jilyn and American Family Funding for purchases in the high desert.
Rhona Jukes at AFF was fantastic. Met her at a mortgage "meet & greet" held at Matadors Community Credit Union in Northridge. We talked about our desire to re-fi in order to bring down the interest rate and get some cash out for home improvement. She worked with Matadors to get us an excellent rate! The paperwork process was smooth and well organized, and we were funded in about a month. Highly recommended.
Patti helped us with a refinance and, as always, did an amazing job! We have used her services for purchasing two homes in the last several years and trust her completely.
Hi Fred good evening. There is actually no words for us to describe how lucky, happy and fortunate we are to have you as our Loan Officer/Lender. You are so awesome and amazing person. We are trully blessed by your compassion, generosity, emphaty, kind hearted , understanding and very considerate person. Really thankful to you and to all of you in helping us out and made it possible for us to realize our dream home. Thank you very much Fred and we always thanked God for you and all of you. You were all wond
Fast, professional and reliable service. Vytas made the entire process run smoothly and I will definitely be using him and his team again in the future. I highly recommend working with Vytas Keblys and American Family Funding as they make the process extremely painless!
Rhona Jukes is a pro. She knows her stuff and handles problems in her low-key style. No stress and timing was excellent. My credit union recommended her, and thank god they were right.
My experience with refinancing was excellent. Very professional and attentive company. Fred Arnold puts forth a lot of personal attention to your needs. It was a seamless experience.
Jilyn and Schaffer are amazing!!! Definitely will be recommending them to my family and friends!!! Not only did they do everything possible to help out but alway kept me in the loop! Jilyn knows the ins and outs of her business. Thank you so much for all your help, time and dedication to the very end!!!! This Is definitely THE A-TEAM!!!!
David and his team were fantastic! They were incredibly helpful and the process was super easy. I got a fantastic rate, so very happy!
Fred and his team we're great to work with. There were no surprises and the loan funded on time. Highly recommended.
David made this process so easy for me. Trying to refinance my Mom's home was not the nightmare I envisioned. Everything worked out smoothly - if you need mortgage assistance, call David!
Tried going through them to get a loan and at first everything was great. We were told that we were approved for 200k and they just had to do the final numbers. Get a call the next day saying that after running the numbers we were only qualified for 160k. Well we were a little disappointed but started looking for home and once we found one we talked with the realtor who was helping. He told us we needed a couple final documents to close the loan deal. My sister sent them all the documents, cause the loan wo
Unfortunately, bad bad experience. Misquoted the amount I would need down. Ran me through the ringer for months and missed out on a beautiful investment property because of lack of experience? I had to call her out on things she should have known. Another loan officer for a different company was able to get me sorted out and on my way. Stay far away from this place if they employ these kinds of people. Out of respect for her I will not name her but I had to speak my peace because this really hurt my family'
Fred Arnold and his team of professional loan officers are top notch and their vision to help people is number one. They always help me when I need it, and willing to go the distance to find the best rates.
Fred was amazing! Cant say enough good things. He is kind and will get you the best rates.
Look for a Certified Public Accountant (CPA) license, which ensures they’ve passed rigorous exams and meet state requirements. Check for relevant experience in your industry, additional certifications like CFA or CMA, and membership in professional organizations like the AICPA. Verify their credentials through state licensing boards.
Use online directories like the AICPA, CPAverify, or state CPA societies. Search platforms like Yelp or Google for local CPAs with reviews. Ask for referrals from business associates, friends, or financial advisors. Local chambers of commerce can also provide recommendations.
A CPA is a licensed professional who has passed the CPA exam and met state requirements for education and experience. An accountant may lack this certification and could have varying levels of expertise. For complex tasks like tax audits or financial reporting, a CPA is typically more qualified.
Ask about their experience with your specific financial needs, such as tax preparation, small business accounting, or estate planning. Review their website or LinkedIn for case studies or client testimonials. Inquire about their client base to ensure they handle similar financial situations.
Yes, reviews provide insight into a CPA’s reliability, communication, and performance. Check platforms like Google, Yelp, or the Better Business Bureau for client feedback. Look for patterns in reviews, but verify their authenticity, as some may be biased or outdated.
Visit your state’s Board of Accountancy website or use CPAverify.org to check a CPA’s license status. Confirm their license is active and check for any disciplinary actions or complaints. This ensures they’re in good standing and meet professional standards.
Ask about their experience with your financial needs, fee structure, availability, and communication style. Inquire how they handle tax filings, audits, or financial planning. Ask for references or examples of similar work to assess their expertise and fit.
Fees vary based on location, services, and complexity. Basic tax preparation may cost $150-$500, while business accounting or audits can range from $1,000 to $10,000+. Request a detailed fee structure upfront and compare quotes from multiple CPAs.
Yes, many CPAs offer remote services through secure online platforms for document sharing and virtual consultations. Ensure they use encrypted tools for data security. Remote CPAs can be effective if they understand your local tax laws or business regulations.
During consultations, evaluate their ability to explain complex financial concepts clearly. Ask sample questions about taxes or financial strategies and note their responsiveness and clarity. Good communication ensures you understand their advice and fosters a productive relationship.
Beware of CPAs who guarantee specific tax refunds, lack a valid license, or have disciplinary actions on record. Avoid those with poor communication, vague fee structures, or negative reviews highlighting unethical behavior. Always verify their credentials independently.
Large firms offer more resources and specialized teams but may charge higher fees. Solo practitioners often provide personalized service and lower costs but may have limited availability. Choose based on your needs, budget, and preference for personalized attention.
For individuals, annual meetings for tax preparation may suffice. Businesses may need quarterly or monthly check-ins for bookkeeping, tax planning, or financial reporting. Discuss your needs upfront to establish a meeting schedule that aligns with your financial goals.
Yes, many CPAs handle both, but confirm their expertise in both areas. Ask about their experience managing personal taxes and business accounting simultaneously. Ensure they can balance both without compromising attention to your specific financial needs.
Discuss concerns directly with your CPA to resolve issues. If unresolved, check your contract for termination terms. Seek a new CPA by researching reviews, credentials, and referrals. Request your financial records to ensure a smooth transition to a new professional.