Save Financial - Home Mortgage Lender & Hard Money Loans

Save Financial - Home Mortgage Lender & Hard Money Loans

Reviews Summary

Save Financial receives overwhelmingly positive reviews for mortgage refinancing, with customers praising competitive rates, low fees, and smooth processes. The team (especially two frequently mentioned professionals) is highlighted for responsiveness, professionalism, and expertise in navigating complex cases. Multiple reviewers refinanced repeatedly with the company and recommended them to others. While most experiences were flawless, one noted occasional communication delays due to high volume. Key strengths include transparent terms, minimal closing costs, and personalized guidance—particularly for credit optimization. Customers consistently describe transactions as efficient, stress-free, and among the best mortgage experiences they've had.

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Documentation Bring your most recent tax returns, income details, and any financial concerns
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Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

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Contact Information

Address

4000 MacArthur Blvd #600e

Newport Beach, California 92660

Hours

Sunday Open 24 hours
Monday Open 24 hours
Tuesday Open 24 hours
Wednesday Open 24 hours
Thursday Open 24 hours
Friday Open 24 hours
Saturday Open 24 hours

Customer Reviews

I worked with Ali on my refinancing needs and couldn't be happier. He is very professional, responds to your questions in timely manner. He is the best. He went above and beyond with my refinancing needs to get me the BEST rate possible. He offered great advise which option was best for me. He made sure to keep me updated with the loan process, when to expect closing etc. He then followed up with me once the closing was done and the new loan was funded. I am very happy with Ali's services and I highly recom

I've used Save Financial to refinance my home mortgage twice within the last year. Both times were to dramatically reduce the interest rate. Each time, they offered the best rates I could find. I worked with Ali who is knowledgeable, professional, and provided me clear instructions on what needed to be done while keeping me informed every step of the way. I didn't have much time to deal with a refinance due to many things competing for my time, so I wasn't as responsive as I should have been. Ali was p

We shopped around a lot when looking for loans for our refinance. Ali with Save Financial consistently had the lowest rates and the best deal. More than that, he took the time to explain every detail, was honest and upfront from the start, and he made the whole process smooth and worry free. Will definitely recommend to others and, if the opportunity arises, he'll be the first I call when I'm looking for a new loan.

Ali and team at Save Financial are the best. This was my second time refinancing with them within the past year. Ali is a great communicator often responding to emails within the hour. He gives you very honest advice (no BS and no upsell. They offer a very competitive refinance rate. Process was very straight forward and quick. Document submission was very easy and secure (online uploads and signatures). They even offer mobile notary services to finalize all document signatures at your convenienc

I worked with Ali to get my loan refinanced. He offered the best rate and the whole process was seamless. Other than providing all the needed documents, I didn't have to do anything else. Ali was always on top of the refinance process by sharing the progress regularly and got it funded within the time. He was totally transparent during the whole process. He always provided the right advise to get the best possible outcome in my refinance process. I will definitely go back to Save Financial to work with th

Ali is the best! I've been in the real estate industry for 31 years and I've worked with many, many lenders and Ali stands out on top. He was always quick to respond to emails; he delivered as promised; he was helpful and friendly and always followed up to make sure were going well. On top of that we got a fantastic rate! Also, his team and use of technology made the whole process painless. I do highly recommend Ali and Save Financial and will continue to use him on all my loans.

Mike and the team at Save Financial have been excellent to work with. They handled my original mortgage and refinance quickly and professionally. I highly recommend working with them. There were no surprises, and my transactions went smoothly. I would use them again without hesitation.

Ali and his team are the best! They have the best rates (guaranteed - after comparing several different other companies). I bought my first house with them, and could not have had a better and easier experience. I refinanced six years later, to take advantage of lower rates. Ali and his team locked in my rate at no time, to make sure Im safe if the rates go up. They gave me several options, and explained the process, and answered all of my questions right away and with extreme patience. They never tri

Refinance process was relatively easy. Can't beat their rates. I've refinanced a few times with Save Financial already and have referred some friends who've done the same. They process a lot of loans so just know that response to email can be slow, but they do eventually respond and they do take and respond to phone calls. Never had an issue on a HUD that I needed fixed. Certainly recommend if you're looking for a great rate and super low closing costs.

Ali worked with us over email and phone. I really appreciated several things about working with them. They were clear and concise. They helped us time our rate lock and understand the pros/cons of different options. Everything went fast and smoothly. Save Financial found us the best deal, hands down. I will definitely go back to Save Financial to work with them again.

I applied for mortgage refinancing. Everything was explained in clear and straight way, all process was smooth and well organized. Rate was very competitive and one of the lowest at that time. Even when some additional unexpected expenses popped-up (homeowner association was asking a fee to provide required document), it was covered by Save Financial. I recommended Save Financial to my friend and he also was very happy with the service. I highly recommend Save Financial for your mortgage needs.

Mike and team are awesome! The rate was great, escrow costs low and they closed my refinance ahead of schedule! I have made several purchases over the years and can confidently state that Mike is at a very high level of providing you the best financial deal as well as the service to back it up. Would definitely use Save financial again and refer them anytime.

I have had many mortgages and Re?s in the past, but the experience I had with Save Financial, Incorporated was de?nitely the best. I worked with Ali Nakhjavani (my loan agent), he is a great individual, highly professional, and now my good friend. I shopped around and checked for the rates and fees with several lenders, before contacting Ali for my re? and comparing to all quotes, Ali provided me with absolutely the lowest rate, very fast process loan, and almost with no costs (only few hundreds) for $600k

I'd had issues with a couple other companies, but when I went to Mike, he was very clear and honest with what he could get me for my refinance. Any questions, he was quick to respond, and very transparent through the entire process. I would not hesitate to go back to him or send my friends to him. Saved me a ton of money, quick, and very concise with my loan.

We had a very good experience with Save Financial in our refinancing needs. It was more than five years ago but the rate we got was very good (which is still good now) and the whole process was completed reasonably fast. They were responsive and helpful to give us updates about the whole process including documentation.

We refinanced two properties in parallel and Mike/Team did an amazing job. They were able to get the best rates for us. Also, Mike is extremely responsive and on top of his game. Recommend working with him for your financing needs.

Refinancing the home loan with Ali at Save Financial was a great experience! The process went very smooth. Ali is professional, knowledgeable, keeps you informed, and easily accessible. He was responsive and very helpful during the process. Extremely satisfied with the service provided by Ali. Highly recommend!

We just closed our home refi with Save Financial. Quite a smooth and positive experience. Special thanks to Ali Nakhjavani, he made the entire process trouble free and ensured that we closed on time. Offered us the a very good rate/deal and very responsive and patience with any questions I had. In fact I worked in financial sector for quite a number of years. I can tell that Ali is that kind of person who knows his stuff. Honest professional always comes with straight forward answers. Would highly recommend

We recently refinanced our home with Mike Basti at Save Financial, and we're very happy. The process could not have been easier! The rate was the lowest anywhere, the costs were minimal, and the paperwork was done electronically until the day we signed final papers. Mike was professional, responsive, and knowledgeable. We highly recommend Mike Basti and Save Financial.

Both Mike and Ali helped us buying and selling homes, financing and re-financing. In every transaction, they explained all the details to us. They are very experienced, professional, responsive, very quick. The last sale of our house took less than a month. Even though we are very picky, they were very diligent and never gave up finding the best home for us within our budget. They are also very good at finding best deals for financing.

I have done multiple refinances with Save Financial. I have found Ali very professional through out. He understands customers requirements and patiently works towards it. He doesn't unnecessarily push to close. I found Ali to be trustworthy and honest. I highly recommend service from Ali.

It is the second time that we used Ali for our refinancing. He is very capable, experienced and courteous professional. The rate he found for us were much lower than any other local proposal and he made the overall process simple and efficient. We would surely use him again and we recommended him to all our friends. Marco

Worked with Ali, the whole process was very smooth. Communication and service were excellent. After underwriting the first time, he even checked if there were lower rates instead of just going continuing in the process which most other brokers would've done, we ended up going through another lender, he even payed for a condo questionnaire fee that wasn't accounted for the second time around! Very highly recommend working with Ali.

Mike was extremely easy to work with during the process of refinancing our home. I had many questions about refinancing since I had never done this before, and Mike was very kind and respectful . I highly recommend Save Financial because they were able to get me the best interest rate, and made the process very easy

Ali made the process incredibly easy and efficient. I've refinanced before and this experience was by far the fastest and easiest ever. Everything was done on-line and the notary came to my residence. It doesn't get any easier than that. I got the lowest rate and the fastest close imaginable. I highly recommend to anyone and everyone - you will be amazed!

We just worked with Ali on our re-finance and things could not have gone smoother. Ali was always one step ahead which kept the process incredibly simple from start to finish. He got us a great rate with little to no cost and now we are saving several hundred dollars a month! I have already referred him to a buddy of mine. Thank you Ali :)

Parton the pun, but Mike was a life Saver. I can't thank him enough for his expertise and direction. I had qualified for a loan with points and fees. Very disappointing. With his credit counseling program, he advised me on exactly how to increase my credit score. After a re-score, he qualified me for a no points, no fee loan. Literally saving me over $10K overnight. The refi went through with no issues. I can't thank him enough except to give him an excellent review. Please call Save Financial if you are lo

Refinanced twice with Mike Basti. Both times had quick and easy closing with very good rates. No closing costs means no closing costs, but a lot of other guys have small print that excludes a lot of third party fees. With Save Financial the only thing I had to pay for closing was stuff I'd have had to pay even if I had not refinanced (interest on the loan and some flood insurance escrow money). Truly a no cost refinance.

I worked with Mike and his team on several occasions to refinance our home and he was great and easy to work with. Very responsive and professional. Thanks for our LOW interest rate :) Can't wait to refi again and get even lower rate LOL (if that's even possible)

I want to thank Ali Nakhjavani at Save Financial for his fantastic work assisting me and my family with our second refinancing. He is a kind and seasoned broker who guides you throughout the whole process. This is the second time that Ali helps us -he did our first refinancing- finding the best terms and conditions. His profound knowledge of the market and his expertise and professionalism are second to none. We hope that he will help us again in the future on our third refinancing.

Mike B. and his team has done a fabulous job helping us through a refinance process and securing us an excellent rate. He's very patient and courtesy with all our questions. We would highly recommend him and his team for any financial need they can provide.

The entire experience with Ali was positive from start to finish. Everything that he discussed on the initial call came through as planned. The process was efficient, Ali was always available with quick responses to questions, and the entire refi experience was seamless. The rate was competitive and I would highly recommend Ali and Save Financial.

Mr . Mike Basti and his team at save financial have helped me several time for refinancing my home . I had a very positive experience working with them and I will continue to refer them to my friends and family . They are very professional, knowledgeable and responsible regard to your financial needs . They are always available and responsive to your question with integrity and respect . I definitely will use their service for any upcoming financial service .

Ali is the best I've worked with! After many Refi experiences, he was by far the easiest, most organized mortgage broker. He gets the job done quickly and efficiently. Thank you Ali for making my Refi an easy process. - Jeremy

Second time I've refinanced with Ali, he's as great as ever. Very professional, great rates, and no closing costs to boot. He knows all the in and outs and I will use him again if I ever need anything

I've refinanced my home twice using Save Financial. Specifically Delania in California. I was very happy with the rates available, professionalism and responsiveness of the team. One of my refinances occurred during the Covid19 Pandemic. I was very impressed with how the company went above and beyond to ensure safety while not impacting their quality of service.

Ali was great in helping me secure my home refi. He answered all my questions and concerns with immediate response every time. He is straightforward, honest and reliable. I was unsure between two rates and he gave me his honest advice on which one to take. I will be recommending my friends and family to Ali for any future loan needs. Thank you Ali!

After comparing with several companies, Mr Basti, Save Financial, gave the best interest rate for my mortgage Refi. Their streamlined process was excellent. We could have the loan closed in 15 days, but I had an unusual situation that complicated the process. Mr Basti provided his advice and patiently waited for me to work through the issue. Without any success, Mr Basti gone above & beyond his responsibility, stepped in to help me resolve the situation. His kind deed speaks volume of his character and p

Ali - cannot beat the service, professionalism, and speed that Ali provides. Refi'd multiple times with him and great experience each time. Makes the refi process easy and simple, explaining the steps and offering great insight into the best time to lock. Never over promises and closes quickly handling all the details. Highly recommend.

Ali from Save Financial was amazing to work with. He was knowledgeable, quick, responsive and got us the best rate compared to other lenders. Thank you Ali!

I have had multiple refinances in the last 18 months and each of them was with SAVE financial. They are excellent with communicating each step of the process and recommending the best options to save money and matching my current life goals. I have recommended Mike Basti to my friends and family.

Overall a good experience. I would recommend Mike Basti and Save Financial's services. They got me the best rates with great terms and hardly any money up front as promised. However, if you are new to the process it is difficult to get an explanation or hand holding and you really need to stay on top of things as it appears the team is extremely busy and may overlook certain things. I had to send my documents multiple times as they seemed to get lost on their end (which is never a good thing when you are

I got the rate I was looking for and it cost me nothing but a credit check. I had all my documents prepared so it was a relatively easy process. I though the process could be explained to me a little better and it was difficult to get a hold of the broker on the phone. When I would call and leave a message they would respond by email and the responses didn't really answer my question so I would ask for a call back but usually never received that returned call. Also I would have preferred to close in the end

Mike Basti is an absolute wizard. We had one nice rate with him and then he reached out to me when he found an even better deal for us. He even somehow managed to get us an even better rate with Quicken than Quicken offered me directly, with almost no fees. And we only had to submit minimal documents, and didn't even have to get an appraisal. Absolutely painless. By far, the best experience I've had with a re-fi in 30 years and I've done more than I care to remember. But this 15-year 2.25% is definitely goi

Mike is a great professional. He was leading and helping me throughout every step of my refinance mortgage process until successful completion. I would recommend Mike to everyone. Thank you Mike once again!

My refinance had quite a few challenges. I have a HELOC with my house which required its subordination for the refinance. However, this process took very long time and there was some mismatches on the numbers between my HELOC team and the lender. It's excellent that Ali overcame this difficult issue and spent quite some time to update my loan amount, payment/bank statements to maintain my qualification on the lender side. The refinance was finally successfully completed this week. Thank you so much, Ali!

I refi?d with Ali twice in 7 months. He got me a great rate the first time and 6 months later got me an even better rate because of the market. He was very responsive and answered my ridiculous questions without making me feel stupid. And he kept me informed and updated every step of the process.

We refinanced 2 times with Mike Basti for the lowest possible rates on our home mortgage. Mike Basti delivered on a rock bottom rate twice for my wife and I in a 2 year period of time. No cost refinancing with the lowest interest rate! What else could you ask for?

Mike was great to work with. We used him for our original loan plus several refinancing. I recommend him to everyone who needs a mortgage. He has the best rates!

I refinanced for the second time with Ali and he was great. He answered all of my questions and walked me through it. I was able to refinance with no cost and it was an easy and smooth process. Thanks again!

Mike Basti with Save Financial brokered my cash out refinance very professionally. He negotiated an amicable loan with good terms and put it all together expeditiously. I was very pleased.

I have worked with Ali for many years now. Every refinance has gone smoothly. Ali and Mike are honest and professional. They have earned our trust.

MassoudR. Mike Basti has helped in the last two (2) home mortgage refinancing and has come through successfully. Mike is a man of his word and delivered exactly what he promises. I highly recommend Save Financial - Newport Beach for a haste-free endeavor.

You know how painful it is to refinance and the tons of documents you've got to push just to be evaluated? Its exhausting. All the while Mike is encouraging you and he is staying in communication with you, even on weekends. He holds your hand and gets you through the process, and even follows up after the close. I appreciated his support and expertise, but especially his professionalism. Thank you Mike

Great experience with Save Financial. Fast, easy, and responsive. I refinanced 2 times in a row and Ali was super responsive and organized. I'd go back a 3rd time.

Ali and Mike are very professional, I refinanced house with them multiple time and recommended them to multiple friends. They provided an exceptional service and everything was done on time.

I was referred to Ali and Save Financial by my financial advisor, and I couldn't be happier with my experience. By far, the simplest and fastest refi process I have ever experienced. Highly recommend!

I have done multiple purchases and refinances with Save Financial and have been extremely satisfied with their services every time. They always get me the best rates, explain the process to me and are responsive and professional. I highly recommend them!

Very happy with Save Financial. We refinanced our mortgage twice. Competitive rates, smooth and fast process, as well as easy communication

I can't express my satisfaction with Save Financial and especially Mike?s responsiveness. I'm really hard to work with but Mike patiently respond all my texts and calls all day including weekends. Thanks again to make my mortgage experience this smooth.

Mike and Ali from Save Financial offer great rates and service. I've done two refinances with them and sent a few clients to them that were happy with their service too.

We worked with Ali a couple times to get a no-cost refi. Great rates, and Ali was always very responsive and helpful. A smooth experience both times.

Very good experience, Ali helped in explaining and advising in the process which helped a lot. Very good with communications & accommodating with schedule. The rate was competitive, I would recommend Ali and Save Financial.

My questions were answered within minutes. I felt that Mike and the team were dedicated to take care of my needs and not their profit. I've got a deal that was way much better than the competition was offering at a time.

I have user Ali a couple of time to get the beat rate . He was honest fast and efficient. I would use him again in the future ans I have referred my friends to him.

I refinanced my mortgage with Mike Basti a few years ago. It was very easy and I saved almost three hundred dollars a month.

We have been working with Save Financial (Mike Basti) for almost a decade now. A professional with helping nature. We love working with him.

If there were more stars to rate this company I would have given more. Mike was very experienced, professional, and responsive. Great rates! I highly recommend this company.

Working with Ali at Save Financial was great. Kept us informed and very professional service with great rates!

I had an amazing refinance process. Very transparent and timely. The lowest APR in the market. Available for you anytime.

I had great experience dealing with Save Financial. Delania helped me and was great throughout the process. I highly recommend them.

Best team to refinance your home loan. Very responsive, knowledgeable and easy to work with.

Mike provided me with an excellent rate for a non-owner occupied home re-finance. You'll be in good hands!

I just refinanced my house through Save Financial and the process was painless, they made it easy and fast.

I am a repeat customer. With Save Financial you will get the best rates and customer service in the industry. Period!

This (small and mighty) team acts quickly, they simplify the application process and get you the best rates. Have used them before and would do again in the future.

Best company I worked with for my loan needs. Mike Basti is top notch!

customer service from beginning process to end were excellent. all concerns and questions were answered thoroughly.

Delania is really great to work with and has a lot to offer with her expertise.

Best rates and very professional and fast service. Great expertise and advise on your specific situation

Great team with lots of experience, helps always availability with lots of accountability in their field .

Awesome service and awesome rates. Will do business with them again. Thanks!

Michael was very helpful throughout the process.

no point no fee is true. very good

Great rates and very responsive team.

Awesome experience with my refinance.

I finally got a loan exactly as I wanted.

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.

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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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