Ed Parcaut - Mortgage Broker - Lending For Living

Ed Parcaut - Mortgage Broker - Lending For Living

Reviews Summary

Customers consistently praise the team for their professionalism, expertise, and seamless loan process. Many highlight stress-free experiences, exceptional communication, and quick closings, often with better rates or savings than expected. The staff is described as knowledgeable, responsive, and caring, making complex transactions easy. First-time buyers and refinancers alike commend their guidance and support. High satisfaction is evident, with frequent mentions of trust, efficiency, and personalized service. The overall sentiment is overwhelmingly positive, with strong recommendations for their lending solutions.

About This Listing

Business Consulting
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Estate and Trust Tax
Small Businesses
High-net-worth Individuals
Startups
Real Estate
QuickBooks
GAAP Compliance
State-Specific Experience

Who Can Work with a CPA?

Individuals seeking tax prep, retirement planning, or financial advice
Small business owners needing bookkeeping, payroll, or tax compliance
Freelancers and contractors with 1099 income or complex returns
Couples planning finances together or managing joint returns
Investors with capital gains or rental property income
Anyone looking for year-round financial guidance and peace of mind

*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*

First-Time Clients

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.

What to Know Upfront:

Documentation Bring your most recent tax returns, income details, and any financial concerns
Availability Appointments fill up quickly during tax season — book early if possible

*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*

What to Bring

Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

*Tip: Organize your documents in advance to save time and ensure accuracy.*

Preparing for Your Appointment

Write down any financial goals or questions in advance
Check if your CPA offers virtual sessions or document uploads
Bring a notebook or use a notes app for key takeaways
Know your deadlines for filing, payments, or compliance

*Note: Preparation helps you make the most of your CPA’s expertise.*

How to Get Started

Use our directory to find highly reviewed CPAs near you. Reach out directly to schedule your consultation.

Other Helpful Info

Many CPAs offer both in-person and remote consultations
Fees may be flat-rate, hourly, or based on service complexity
Some CPAs specialize in industries like healthcare, real estate, or tech
Check for client reviews and credentials (CPA license, EA, etc.)

*Note: Every CPA is different — take time to find one who fits your goals and style.*

Features

Business Consulting
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Estate and Trust Tax
Small Businesses
High-net-worth Individuals
Startups
Real Estate
QuickBooks
GAAP Compliance
State-Specific Experience

Contact Information

Address

121 Rue De Yoe

Modesto, California 95354

Hours

Sunday Closed
Monday 8AM-5PM
Tuesday 8AM-5PM
Wednesday 8AM-5PM
Thursday 8AM-5PM
Friday 8AM-5PM
Saturday Closed

Customer Reviews

Ed is a true professional and I would recommend him to friends and family without hesitation. He kept us informed every step of the way all the way to closing! He's also just a really nice human being. No need to look anywhere else for your home loan needs cause Ed knows his stuff.

Ed was great to work with on our mortgage. We were first time home buyers, so there was a lot to learn, but Ed patiently took my questions and walked us through the process to success.

Ed is amazing, closed our house in 8 days!!! Dedicated to helping vets achieve the dream of owning a home!!! Communication was on point!!!

Ed?s level of professionalism , knowledge of the lending market is Superior ! The BEST lending experience in my 30 yrs of Property loans ! The only Call I will refer is to Ed Parcaut ? Lending for Living ?

Ed was great to work with. He was very helpful and he explained things I didn't understand. He was there the whole way though the process and saved me money. Thank you for the great job! Will use him again in the future.

From beginning, middle, and end of this home lending experience my work with Ed, and Amy has been wonderful. They have been very supportive, and generous with their kindness, and they have excellent professionalism with regard to working well with all parties involved. Their knowledge, experience, and time has been much appreciated. Thank you so much, and I look forward to the next time we meet!

Ed and his team provided and excellent service. They are mindful of costs and market trends that afforded me the best possible outcome. Ease of document sharing and signing was a huge plus.

Had the pleasure of dealing with Ed for my first home loan. He was very informative and helped someone like me who had no knowledge of the industry. He took the time out of his day to explain the market to me. I ended up getting a great rate, and I will be recommending Ed and his team to my friends and family.

Ed and his team were awesome. The process was very smooth and the staff was very easy to get alone with. They knew what they were doing there was no delays or any back and forth. My wife works for a bank herself and we do get a discount through her work but still decided to go with Ed and his team because of their assurance and knowledge. I would Highly recommend them to anyone trying to get a loan.

Everyone at Lending for Living was fantastic in helping us purchase our second home. It was challenging because we had changed jobs a few times and already had a mortgage payment as well as student loan payments. They worked with the underwriter to make sure we got our financing and good terms as well. We hope to work with them again in the future!

What a fabulous experience I had with Lending for Living. Ed was friendly and knowledgeable. Right from the start, the cards were face up on the table. Ed was clear, and straight to the point with options. He made my feel confident, and trusting, with the process. But we're talking about Ed here? comes to be expected from the owner of the business. Even though it's not always so. Where Lending for Living really separates themselves from others, is the entire team demonstrates the same effort! I worked seaml

Through a trusted referral, I had the pleasure of working with Lending For Living and recently securing a new mortgage. With years of experience in mortgage lending, as well as broad knowledge and insight of the real estate market, Ed brings exceptional talent to the table. Having experienced every type of lending and real estate market over the years, Ed and his staff are able to listen to and understand your needs, then as a brokerage, seek and arrange the best loan with the best terms for you. I would

Ed and his team were AMAZING! I have always been told how stressful buying a home can be, mine was stress free. This team was excellent in communicating with me every step of the way. They ensured I was well informed of my options. I highly recommend Lending for Living.

Ed was extremely knowledgeable about real estate in general and guided us very nicely through the loan process. Yovanna and Fabiola were very helpful in answering questions and getting things done. Both were generally enthusiastic about their work and we received top notch service from them. I highly recommend Lending for Living for your loan

My experience with Lending for Living was wonderful. Everyone I spoke with was knowledgeable and friendly. My loan process was quick and easy. I was kept up to date on the progress of my loan on a regular basis. I would absolutely recommend Lending for Living to anybody who is in need of loan services. It was a great experience.

You Guys are tremendous in making buying A House Easy Especially being A First time home buyer. We totally depended on your Experience and made buying Pleasant. We Thank you for All You've done. Very Satisfied. I totally recommend your services to others who are ready to take that leap in ownership of A Home. Great Teammeat work. God Bless You All. Mr. & Mrs. Cortez

Ed and Amy and Fabiola were super easy to work with. Returned phone calls promptly if they didn't answer when I called. From signing a contract to buy our home to signing loan docs = 16 days! They made the process super easy. And got us a great - did I mention-GREAT rate. Highly recommend Ed and his team. Thanks Ed, Amy, Fabiola !

I discovered Ed Parcaut on his radio show Real Estate Jerky. He seemed to be very knowledgeable and a really good guy. So I called Lending For Living , I am so glad I did. We wanted to refinance but our situation was a bit tricky. Ed came through for us. We are so grateful. His staff is the best, Kathy, Amy, Fabiola. They walked us through each phase of the process. Always came through with answers to questions, some computer assistance and we shared some laughs. This is the Team you want to work with, call

I am very happy with the team and the entire loan process from Ed Parcaut's lending for living group. They are knowledgeable, attentive, prompt, thorough, kind... always letting me know next steps and status. Their tracking, processing, and communications tools are too notch. I can't recommend them highly enough.

Working with Lending For Living was such an efficient and easy experience! Everyone was on top of what documents I needed to submit and everything was handled in a very timely fashion. I was kept up-to-date on what was happening with the loan and I would recommend them for anyone to use.

Lending for Living got the job done when no one else said they could! Everyone in this office was a pleasure to work with and the entire process they made seamless. They were extremely prompt with everything. We will definitely be using them in the future!

Using Lending For Living for my refi was a great experience!! They showed a high level of expertise in handling all of the little details that went into my particular situation and walked me through everything. Fabiola was especially FABULOUS to work with because of her friendly, professional demeanor and quick responses to all of the questions that popped up along the way. They gave me an awesome rate and saved me more money than I was expecting! I will be recommending Lending For Living to anyone I know t

From beginning to end, the Lending for Living team was top notch. Very knowledgeable, responsive, friendly and easy to work with. After working with them, I wouldn't go anywhere else! I highly recommend them for any refi needs.

Highly recommended. Personal service combined with expertise and professionalism. Lending For Living assisted me with a refinance and purchase simultaneously and it went about as smoothly as could be expected. Always available to communicate over the phone and constantly looking ahead in the process to anticipate/avoid delays in these time sensitive processes. Big thank you to Amy and Fabiola for making it happen.

They are an amazing company to work with. Great at what they do and always looking out for the customer. Thank you Ed, Amy and all the Lending for Living crew. It is always a pleasure working with you.

Working with Lending For Living was a smooth process. From the beginning, each person we spoke with handled conversations professionally, walked us through each step, had great communication and answered all our questions. I would highly recommend Lending For Living for your financing needs.

Ed and his team at LFL are great! The re-fi process was seamless, professional, and the communication was outstanding. We closed in less than 30 days and best of all our savings was substantial. Thanks again for the amazing service!

Ed and Amy were great to work with. They were very responsive, they took the time to explain everything thoroughly to ensure I understood, and were on top of the whole refinance process. I would gladly work with them again in the future!

This team was amazing! They helped me to buy a home. They talked to me daily, and always made me feel comfortable. I would highly recommend Lending for Living to anyone looking for a great mortgage experience.

Lending for Living was available and at the ready to assist us through the refinancing process. They were quick and efficient and extremely helpful and knowledgeable. We will continue to use them for all of our loan related needs.

Fabiola was awesome! She kept me informed all along the process. A delight to work with and an excellent representative at what she does. Very capable, knowledgeable and has a super personality which makes her a very talented customer oriented person.

I want to thank all of the staff at Living For Living for their communication, and assistance in Walking us through the refinance process. Yovana and Fabiola we're great in addressing any questions I had. I discovered them through the radio show "real estate jerky", 1360 a.m. on the weekends.

They were amazing from start to finish! Any questions or issues we had were resolved quickly. Ed was awesome and we couldn't have asked for a better experience.

My team was efficient, timely and truly went the extra mile for me. Thank you Ed, Yovanna & Kathy for your collaborative efforts in securing my Re-fi. And a special thank you to Fabiola for going to battle for me in my unique situation. I appreciate each one of you.

I attempted to refinance my mortgage loan with a different agency and after looking at all the costs I was advised to get a 2nd opinion. Lending for Living got me a better interest rate and saved me 5k in fees ! Highly recommend the easy process and money saving ways of Lending for Living.

Ed, Amy and their team are extremely helpful with guiding you through all the necessary steps toward purchasing a home. There patience is remarkable and I would highly recommend them to anyone looking for help.

Very professional,helpful and friendly. Thank you to all the staff for making every step less stressful for me. Highly recommend Lending For Living I am very satisfied with their work.

Ed and his team did an OUTSTANDING job on our refinance. Not only did we close sooner than expected, our rate was lower than we thought we could get. Great job to everyone involved??

The stressful process of buying my first home was made simple and clear by Amy and the staff.Everyone here was very professional and getting emails updating me on where we were in the process helped me stay on track. Thanks to everyone at Lending for Living!

Ed, Fabiola and the whole team are just amazing at what they do. They communicate well and are very responsive. We trust them wholeheartedly and they're super sweet and caring people too!

Ed and his team have gotten my business for the third time now. I'm always very happy with their knowledge, service, ability to simplify things, and for being so accommodating for our busy family.

Excellent service from everyone I worked with from beginning to end. I would recommend Lending For Living to anyone looking for a home loan. Many thanks for a good experience.

Great team! They got my re-fi done quickly, and actually changed everything midway through when an even better loan option came along. I highly recommend.

They were very professional and worked hard to get me the best possible outcome for my loan. Thank you Ed and Amy for all your hard work!!

Awesome Lender! Thank you for all that you did to close as fast as possible and answered any questions I had! Thanks again for your support and my Family loves our new Home!

Such an easy company to work with. So professional and very good at what they do. Thank you Lending for Living.

Getting my house refinance going through lending for living was one of the most smoothest fastest refinance I've ever done Ed and his staff did a wonderful job ,thank you guys very much

The entire staff at Lending for Living is amazing. We had such a wonderful experience. Thank you!

Very professional, willing to answer any question throughout the process. ED, Fabiola, and Amy are an awesome team to work with.

Smooth transaction from start to finish. Any questions we had about the process was answered on the spot. 10/10 would reccomend this business and team.

Working with these people was super easy. The transaction couldn't have gone more smoothly. We closed in 30 days. Thanks!

Everyone I dealt with was helpful and courteous through the entire process! Great company to work with! Would highly recommend!

Super exciting. Fast process clearly explaind. Very easy to contact people at the office for all questions we had. VERY friendly.

Very competent and thorough! Real people and extremely responsive and easy to get in touch with. 100% perfect experience!!!

Felt like a breeze. Staff was friendly and respectful. Would recommend highly :)

They made it really easy and quick. Their staff is very knowledgeable!

My agent saw me through a difficult sale negotiation, and I couldn't be happier with the result

Professional and helpful staff that got me through the stress of buying a house. Thank you Ed and Amy

Frequently Asked Questions

What qualifications should I look for in a CPA?

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.

How do I find a CPA in my area?

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.

What’s the difference between a CPA and an accountant?

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.

How do I know if a CPA specializes in my needs?

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.

Should I check a CPA’s reviews before hiring?

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.

How can I verify a CPA’s license?

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.

What questions should I ask during a CPA consultation?

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.

How much should I expect to pay for a CPA’s services?

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.

Can I work with a CPA remotely?

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.

How do I assess a CPA’s communication skills?

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.

What red flags should I watch for when screening a CPA?

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.

Should I choose a CPA from a large firm or a solo practitioner?

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.

How often should I meet with my CPA?

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.

Can a CPA help with both personal and business finances?

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.

What should I do if I’m not satisfied with my CPA?

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.

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