SUCCESS STORIES | Military Home Loans




Going through the refinance process was smooth sailing. It took about less than 3 weeks which was faster than what I expected especially on a VA loan. I like to thank Melissa for her assistance, patience, and the informative details given throughout this process that went with ease as a result. Thank you Military Home Loans!!!


Outstanding Service!!


I had the pleasure of working with Doug Diemer and he was fantastic! I am relatively new to real estate and had never done a VA loan before, Doug explained everything and walked me through the entire process! He was so patient and always available when I needed him. I'd love to work with Doug again!


Smooth and Easy transaction..the kind everyone likes


Dealing with 'out of area lenders' can sometimes be a scary gamble. It is refreshing when you get this type of lender and everything goes smooth and easy. Thank you for making my job less stressful, along with the buyers and sellers.

Louis C.

Thank You Military Home Loan!


Military Home Loan has been wonderful in guiding us through our home buying process. Doug D. and his team we're there from step one through the entire process. We never expected the process to flow so smoothly. We now own a beautiful home and are just so happy and pleased with the entire process. Thank you Doug and Melissa for always being available and making our dream come true. We are truly thankful!

Ray and Stephanie S.

Great Team


The Team at Military Home Loans were true professionals from the first signature to the last. Clearly explained each step during the process. I will put them at the top of my list the next time Mortgage concerns approach!


The best in the buisness


We used Military home loans for our purchase of our new home just over a year ago and then again for our re-finance just last month and they are hands down the best in the business. There are the most professional, honest and extremely efficient. I will never use anyone else for future purchases or re-financing and have and will continue to recommend them to anyone that needs any king of loan service. Thank you Military home loans for not treating us like just another number, but as human beings.

Daniel K.

We hit the jackpot


We hit the jackpot with Military Home Loans! From day one, Henry Johnson has been our guiding light throughout our home-buying process. He has answered every single question that my husband and I had, and as first-time buyers, we had a lot of them! 
Henry made sure we knew he was available, even after business hours, so that we were well taken care of at all times. After each milestone, Henry either called or emailed with precious updates and timelines. I cannot express how grateful and glad we are that we found Military Home Loans. 
With so many different choices out there to... Read more

Breann B

Loan experience a breeze


The entire team at Military Loans have made this entire loan experience a breeze. Not only were they able to secure us a great VA loan (when another company told us it was impossible), but they were also incredibly kind, patient and understanding when answering all of our questions. Doug, Melissa and the rest of the team were with us every step of the way — and we had just 25 days to close otherwise we’d incur penalties from the seller. And guess what, we closed EARLY! Big thanks to the team. We are so happy we were able to work with you guys. If you’re looking for someone to help you... Read more

Gregg & Samantha A

There every step of the way!


You guys were there every step of the way! You answered all my crazy questions with friendliness even though I had many demands. Thank you for getting us into our home!! We recommend you every time we get the chance.

Andrea B

We can’t thank you enough


We can’t thank Ken, Doug & Melissa at Military Home Loans enough for there professionalism and up front philosophy which is really appreciated. They were great to work with and answered all our questions. Thanks again for a great experience.

Matt K

Highest level of service


Henry Johnson and his team were awesome. We received the highest level of service from the beginning to the end of the transaction. As a Realtor that is so important. I will refer all my clients to Military Home Loans. Thanks for everything Henry and Melissa, I can’t wait to work with you again.

Lisa W

Excellent Service from Ken and his entire Team.


Excellent Service from Ken and his entire Team. They answered all questions we had and explained everything to us that we may have not understood. We would recommend Military Home Loans to anyone looking to purchase a home. Thank you Military Home Loans Team!!!!

Jamie S

The best I’ve ever dealt with.


The best I’ve ever dealt with. This is the most professional, on the ball, great communication, fast service, etc. There is not enough compliments I can give Military Home Loans, there are just simply the best. Do your home loan through them.

Daniel K

Like a 5 star general


Like a 5 star general,Ken n his A team are outstanding at what they do best,get you into your home……it was a wonderful experience….thank you very much….we love our home you made it happen….

David A

Outstanding service


Was introduced to Military Home Loans from Melissa Huk of Keller Williams Realty and they proved to be a great team. Outstanding service, extreme professionalism and prompt response to questions. They are the “Nordstrom” of home loan providers. In previous loan experiences I felt I was continuously doing “stupid pet tricks” to complete the process. This time everything was up front, a ton of details were provided and a lot of timely assistance was given as needed. Any current or prior service member with VA benefits should look here first when looking to purchase a home.

Chris & Gerri H

You guys are the best!


The Military Home Loan staff provided me with a professional experience as I purchased my home. Everyone moved diligently as I asked them to be. I literally needed to move in my home within 6 weeks and the whole experience toook about 5 from viewing the home to signing the dotted lines. You guys are the best! I can’t thank you enough.

Anthony R

Would recommend them to anyone


Military home loans did an amazing job with our home loan. Everyone on the staff was very responsive and timely. They are all helpful and I would recommend them to anyone looking to buy a home!
Thanks team!

Meredith and Mark

Professional and thorough


Excellent service from Ken and his entire team at Military Home Loans: friendly, professional and thorough. Specific strong points included tight teamwork with our realtor, experience in working across miles and time zones, and understanding of the special requirements of military families and military retirees. Well done!


On top of all situations


Military Home Loans was awesome! I have everything positive to say and nothing negative. They all communicate great and were on top of all situations. Thank you

Melissa D

They bent over “backwards”


This company was with us all the way, and very helpful in acquiring our home! They bent over “backwards” to get us through this enormous project. Thank you!!

Robert B. Gregory JR

A+ service


The crew at Military Homes Loans provide A+ service. Ken walked me thru the refinancing on the phone then did exactly as promised. Best of all they did it at the speed of light. Very professional and they checked up on all the emails to ensure I received them. I have recommended them to our in laws.

Carlos A

We highly recommend them


We can’t thank you enough for the great service provided by Military Home Loans when they helped us refinanced our home loan. Everyone on the team was a pleasure to work with. We highly recommend them!


Some of the best people I have had the pleasure in working with


The entire staff at Military Home Loans are some of the best people I have had the pleasure in working with. They went way beyond the call of duty to help me with my loan. They did everything they said they would do and more. I will be back to do business with them in the future.

Patrick R

Patriotic and awesome…


MHL was great throughout the entirety of my closing. I worked mostly with Jessalyn and Melissa and can’t say enough about these ladies. With a busy work schedule I wasn’t sure if I’d have the time to find a house and get through the loan process while interest rates were at the low we locked in, but they worked around my schedule and gave me convenient options to get things done. Patriotic and awesome…I highly recommend.


I highly recommend the Military Home Loans TEAM!!!


Ken, Melissa and the TEAM at Military Home Loans have earned my highest respect and recommendation. The loan and process was more complicated than a typical transaction in that I was acting as Power of Attorney for my son who was (and still is) actively deployed in Afghanistan. Every part of the transaction happened smoothly, without a hitch and in an amazingly quick period of time.
Ken was very knowledgeable regarding assisting in the analysis of the mortgage rate trend in a very volatile market. As a financial professional myself, his expertise was spot on and deeply appreciated.... Read more

Bill K

Very helpful in all issues


Everyone with whom I dealt with maintained a professional presence throughout the process. They were very helpful in all issues that came up during the search for a home, which took several months. I wish the Veteran’s Administration was as well organized. Thank you

John O. S

Amazing team!


Ken and his team were amazing. They were very professional and took care of every detail. Melissa was a pleasure to work with, she always made sure that all my questions were answered and that everything was taken care of. Amazing team!


They made the process so easy


As a Veteran I had always looked forward to the day I could buy my own home with my VA loan benefits. When the day came and I found a home that I wanted, it was my trusted realtor who steered me in the direction of Military Home Loans and Kens team. They made the process so easy and explained every thing along the way and even months afterward check in on me often. They made what could have been a really stressful situation into an almost fun process. As I write this months later sitting in my new house I look back on all the times I was apprehensive before the buying process and wish I... Read more

Tim H

My experience with MHL was excellent


I waited a long time to make the desicion to own a home. My experience with MHL was excellent. We closed escrow three days early. Thanks!

Wilfredo G

Concise, professional, and patient


Ken and the team are wonderful to work with. They are concise, professional, and patient. Ken knows the industry and I would absolutely trust him with any and all future refinancings and purchases. I could not be happier with the service and follow up that MHL provides.

Richard H

Highly recommend this team at Military Home Loans


As a veteran and my husband active duty we were a little apprehensive about buying a house or even trusting someone other than a bank to give us a loan, but we were so wrong. Jessalyn, Erika and Melissa were amazing!!! I tend to ask so many questions and they were very patient with me and explained the process of home buying so we could understand what was going on. If you are a veteran, or using a VA Loan we highly recommend this team at Military Home Loans. They were with us from the beginning to the end and still continue to answer “silly” questions I might still have. If you are... Read more

Teresa C & Brad D

I can recommend MHL with confidence to anyone


WOW! So many good things to say about Melissa and the entire team at MHL. My client fell out of escrow on two properties before finally finding the winner. It took a lot of time and effort on the part of MHL each time we cancelled a contract and opened a new one but Melissa handled it with grace and class. She never made us feel like a burden and encouraged us the whole way, even through the rocky times. Melissa & the MHL team were lightning fast when it came to ordering appraisals, getting docs to clients, responding to emails, etc. It felt like I had my own personal concierge.... Read more

Brent E

It was seamless and painless


I was leery when I started the home buying process due to all the horror stories I have heard from other home buyers. Thanks to Ken Bates and his amazing team it was seamless and painless. They are wonderful to work with and guide you every step of the way. I will certainly highly recommend them to anyone who asks “who are the best people to work with when buying or refinancing a home”.

George G

Ken and his team make VA loans a breeze


Ken and his team make VA loans a breeze! We closed escrow in 30 days without any delays. Ken and his team do a lot of the pre approval upfront so there no surprises later on in the escrow.

George P

Good people great service


Good people great service! From beginning to end Military Home Loans were professional and upfront.


Ken and his team met my expectations and more


I attended the VApro class and I expected a lot. Well! Ken and his team met my expectations and more. His class was very informative and I highly recommend it.

Carol H

I’m very happy with this company


The service given by Ken Bates and his team was top notch his staff was friendly and very helpful ken has a way of putting your fears at ease and explains things clearly I’m very happy with this company and would refer friends and family

Aquilino and Valerie G

Ken and his team truly care about people


We were so pleased with Military Home Loans when we purchased our home that contacted Ken Bates within 1year of our purchase to re-finance for a lower APR. Ken and his team truly care about people and especially the veterans. They are so knowledgeable and are the best at what they do.

Jessica E

I will refer everyone I know to them in the future, they are that good


We were referred to Military Home loans by our real estate agent. This has proved to be one of the best decisions, during our home buying process, that we have made thus far. Ken, Karen, and their staff are extremely knowledgeable and were able to help us when we thought we couldn’t qualify. I will refer everyone I know to them in the future, they are that good

Sean J

Everyone in the office was helpful


I was amazed at how easy Ken and his team made my first home purchase. I was not sure where to start and which direction to turn but everyone in the office was helpful. They did not get frustrated with my questions and kept in contact every step of the way.

Tammie T

They made the process go very smooth


I just bought my first home, a condo. I couldn’t of done it without Ken Bates and Melissa Sindoni and the whole team. I was very stressed and they made the process go very smooth. My brother is a veteran and is now looking into buying a home. The team is helping him.

Elisa L

Thank you Military Home Loans


My husband and I started looking at houses to buy in the San Diego area. We had a VA loan and thought we were basically a shoe in for anything we may want. We started with a terrible Broker who would not explain anything and was late on responses along with late on getting are docs in on time. Short story, we fired them and move on to working with Ken and his staff of wonderful ladies who explained each process and we wound up getting a huge house that we never thought possible in our wild dreams and can afford it. We pass around Kens card every chance we get. Thank you Military Home Loans... Read more

Jenn C

I wouldn’t give my VA loan business to anyone else


I’ve referred several VA clients to Military Home Loans, and all have been extremely satisfied! Their team is competitive on pricing, courteous, professional, trustworthy, knowledgeable, and they stand behind their word, and products. I wouldn’t give my VA loan business to anyone else!

Brad M

As a Realtor I love working with Ken at Military Home Loans


As a Realtor I love working with Ken at Military Home Loans and am comfortable recommending them to my VA home buyers. They go above and beyond to make my clients comfortable with the loan process and their experience and knowledge of the VA loan process helps insure a smooth transaction.

This is also very important to my sellers as well because they can accept an offer from a buyer working with Military Home Loans with confidence that the transaction will be handled smoothly.

Karen U

Very smooth transaction


Great experience. Most lenders don’t pay any attention to the listing agents in transactions unless the listing agent is screaming for an update. Melissa was consistent in providing updates to the whole team. I appreciated it very much. Very smooth transaction.

Trenton R

Courteous and knowledgeable


I worked with Military Home Loans when I purchased my first home last year and every single person on the team was not only professional, courteous and knowledgeable, but they really took the time to explain as much information to me as possible. By the time we closed escrow I felt completely comfortable making the biggest purchase I’ve ever made in my life! The company accommodated a 3 week closing window so smoothly; I would recommend them to anyone!!

Sasha B

They make you feel like a part of the family


Military Home Loans has provided us with an excellent experience. We have worked with a few different lenders in the past and these guys are the best! They make you feel like a part of the family and treat us with the highest standard of customer service and respect. Thanks to the whole staff at MHL and especially Omar and Ken.

Jason B

Your team is absolutely amazing


Thank you so much to Military Home Loans and it’s amazing team for an AMAZING job closing a VA loan in less than 30 days on my listing in Carmel Valley. In my experience as a listing agent and all of the stress that comes with the unknowns of the buyer’s lender, I have never in my life had a loan process go this smoothly. I was absolutely blown away by how quickly everything went. Melissa really brought it home at the end and I really appreciated her follow up and initiative.

Your team is absolutely amazing and I have your information permanently saved in my computer if I ever need... Read more

Nicole M

Process smooth and easy


Military Home Loans is AWESOME. We recently purchased our home with Ken Bates as our Lender and we couldn’t have asked for a better staff. They are knowledgeable, friendly, and trustworthy. They have the most experience with VA loan and the industry. If anyone needs a lender, Military Home Loans is the best group of professionals to do the job. They made this process smooth and easy. Thank you Military Home Loans for your hard work and dedication to us. We will continuously recommend your services to any friend, family, or co-worker…
The Espain Family

Jessica E

I recommend them to anyone


Military home loans was a dream to work with. Everyone treated us with respect and kindness, they acted like they really cared about us as human beings. We came to them in a jam, and they went above and beyond to help us out. I couldn’t be happier. You just don’t get great customer service like this anymore. I recommend them to anyone. We were told by many other lenders it wasn’t possible to do what we needed to be done. Ken assured us he had to knowledge and experience to get the job done and did so with professionalism and efficiency. I can’t say enough good things about this team. Thank... Read more

Melissa C

Honest and trustworthy


The best for FHA or VA financing. Honest and trustworthy!

Frank K

Military friendly and excellent customer service


I’m a broker and refer Military Home Loans for all my military clients. They are a great VA Lender and do such a wonderful job and are very knowledgeable. Military friendly and excellent customer service!!!

Alex Y

People who you can trust


If you are a veteran and want to be taken care of by individuals that genuinely care about you and the success of your loan. This is the last place you will have to look. If you are relocating to San Diego or already live here give these folks a call. You will find that they are specialists in dealing with VA Loans and are military friendly. You will get honest, reliable support from your team at Military Home Loans, people who you can trust to give you the correct information and support throughout the process.

Vicki J

Unconditionally recommended for anyone thinking of using a VA loan


As a first time buyer, I had heard the horror stories of getting financing. Ken and his team at Military Home Loans made this a painless process while getting us pre-qualified, which facilitated a quick closing. We went through the entire escrow process without a hitch and closed in 30 days! Ken’s team was there to answer any and all questions and took care of everything so all we had to worry about was getting ready for the move. He was also able to walk the seller’s and buyer’s agents through the VA loan process, which was not something they were familiar with. Unconditionally... Read more

Pete O

Ken Bates is my go to VA Loan Officer


Ken Bates and Military Home Loans….Awesome! Ken treats his clients with respect, patience and understanding, especially first time home buyers. I can’t thank him enough for taking the time and extra effort with the clients I have referred him. Ken Bates is my go to VA Loan Officer!

Theresa B

He is definetly a 5 STAR LENDER


Ken at Military Home Loans is an exceptional lender that really goes above and beyond for all his clients! I have worked with him on multiple occasions and he makes the lending process smooth and easy for the buyer/home owner. He is extremely knowledgeable on VA and conventional loans and has many loan products to choose from. I would refer him to anyone that is purchasing a home or refinancing! He is definetly a 5 STAR LENDER!

Judy C

He is the ONLY lender that I would recommend for VA loans


I am a realtor and have worked with Ken from Military Home Loans. He is the ONLY lender that I would recommend for VA loans. Ken knows everything there is to know about the VA process and you can trust him to get the job done! (He also does conventional loans.) He makes the lending process simple and knows how to handle any issue that may arise. He is the BEST!

Sandy C

Truly outstanding


I cannot say enough about the Ken and the staff of Military Home Loans! They are so professional and incredibly helpful…I had a difficult situation that other lenders could not help with and a friend referred me to Ken. He was able to help me when no one else could! Truly outstanding!

Teri F

Help their clients strategize for a “best” outcome


MHL is an outstanding organization providing great customer service before, during, and after your home purchase. I have used their service 3 times over about 9 years and have always been pleased. They go beyond simply processing paperwork and actually help their clients strategize for a “best” outcome

Consti T

Had a great experience all around here


Had a great experience all around here. Ken took the time to explain all of our options and everyone in the office was helpful and professional. Thank you MHL!

Cathi C

Ken and his associates at MHL are consummate professionals


Ken and his associates at MHL are consummate professionals who show concern for their clients’ needs. Rather than dealing with customers as “revenue streams”, they treat them as individuals trying to realize the dream of home ownership. I have dealt with MHL as a client multiples times over several years, and have always concluded the staff had done “everything possible” to meet my needs. MHL can assist you with your mortgage even if you have no military affiliation – so don’t let the name scare you!

Dave D

MHL is the absolute best


MHL is the absolute best! Their professional expertise and customer service is world-class, second to none. From beginning to closing, Ken and Melissa will meticulously guide you through every step of the home-buying process.

Dr. David J. C

You can use me as an example of a very satisfied client


We were able to get the loan that we needed in a rapid and professional manner. All of the documentation that you required was handled through pdf or jpeg files through our computer system. This expedited the approval and closing process for the loan. Anytime we had questions, you responded quickly and resolution was completed in a timely manner. Also, you kept us in the loop on all issues that related to the loan. You can use me as an example of a very satisfied client.

Simon R

MHL is the best


MHL is the best! I financed my home through them and refinanced it twice. On each occasion the people were very helpful and the process was as painless as something like this can be. Great company and great people!

Dane B

Honesty and truth


I think the best terms that comes to mind is ….honesty and truth. I could always trust the information and recommendations they provided me. Melissa and the crew were always available or returned my calls with the information without delay. They made a potentially stressful and often chaotic situation essentially a breeze. I am forever indebted to their competence and thoroughness. I love you all.

Charles M

The best there is no question


These guys are the best! I have dealt with them on both an initial mortgage and 3 seperate refi’s. I have been nothing but satisfied during each and every step of the process. The best there is no question!

Dave S

So professional


I have purchase and sold 4 homes in my working life and I have worked with a number of banks and finance companies and the experience of finding one that will do the loan is like 9 miles of bad road a rooth canal is more pleasent than trying some of this companies to do the loan. my last two purchases of homes I was fortunate to come across Military home loans.after being turndown by one bank and one finance co I call Military Home Loan and from day one the courtesy extended to me from every one I came in contact was so profesional and continue to be that way to final. it was fast,it was... Read more

Jose F. L

Delightful to work with


Great new website. Very convenient and easy to navigate.
One suggestion…. Melissa Sindoni should be have a brief bio of herself as well in the “About Us” section. She is such an instrumental part of the Military Home Loans team and, at least from my experience, the one who communicates most with your clients, and who happens to be delightful to work with.

Brian A

You will get nothing but superb customer service


You will get nothing but superb customer service with Military Home Loans. They are knowledgeable, trust-worthy, and professional. We used them to purchase our first home and they walked us through every step of the process. We highly recommend, Ken, Melissa, and others at MHL!