Vault Mortgage Group - Los Angeles, California

Brenda C.

I had an outstanding experience working with Richmond Kodua at Vault Mortgage. From start to finish, his communication was excellent—always keeping me informed and ensuring I understood every step of the process. He truly looks out for his clients, going above and beyond to secure the best possible rates as soon as they become available.

What sets Richmond apart is the convenience he provides. Unlike the typical loan process, there’s no need to leave your home—he comes to you! From notary services to escrow and even closing, everything is handled seamlessly. His dedication, professionalism, and commitment to his clients make him the best in the business.

If you’re looking for a mortgage broker who prioritizes your needs and makes the process stress-free, I highly recommend Richmond Kodua at Vault Mortgage!

Roshan K.

From start to finish, in just 30 days, I went from being a leasee to home owner thanks to Richmond Kodua & team at Vault Mortgage. Richmond empowered me with the necessary information, making me a more informed buyer. I was able to review the loan terms, ensuring that my decision would not negatively impact my short and long term financial goals. Some say that buying a home is a stressful process; yet, with Vault Mortgage, I felt supported and reassured throughout the process, which removed the potential for stress. Richmond kept me informed throughout each stage of the loan process. I appreciated the convenience and access to next steps through the mobile app. Richmond truly is the #1 mortgage banker so don’t settle for an atypical buying experience, get the real experience with the #1 mortgage broker!

Quik S.

Lawrence is a consummate professional! After our first conversation I knew I wanted him to handle my transaction. My process had a few snags but he handled them all while holding my hand and reassuring me. He’s family now!

Monica A.

Another excellent and stress free experience with Vault Mortgage Group. Working with Lawrence Kinsey is a gift and a pleasure. He and his team get the job done. They do so timely, thoroughly, with professionalism and great customer service. Importantly, we feel that our best interest is at the forefront of the business Lawrence does with us. We learn so much from him, and he is a very dependable and responsive lender. We look forward to our next business deal with him and his group.

Tricia H.

I had the pleasure of working with Lawrence Kinsey, our Broker. He was professional, kind, helpful & personal. As a new borrower it was helpful to have someone walk us through the process with care.

Louis T.

If you have not had the opportunity to speak with David Garcia about getting a mortgage loan for the purchase of your home or to refinance, you simply are just settling for 2nd best. David Garcia is one of the hardest working lenders that I know. He puts the time, effort, and sacrifice in to ensure the Clients feel comfortable and confident. Many lenders have moved to automated systems and not engaging with the consumer base. However, David still makes the call and makes the drive to add that extra level of service. He has met my clients both late in the evening as late as midnight and as early as 4 am in the morning to fulfill his obligations and certain requirements. that were vital to the success of the loan.

There Keys-On-Time program is a Gold Medal Winner in my book. If you are buying a home and you have not heard of a Keys-On-Time, stop what you are doing and call to ask for David Garcia. Our clients have saved thousands of dollars by having this product. More important than the financial savings is the ability to acquire your dream home. I heard so many cries from the buyer, real estate agent, and lending community when everyone was submitting against multiple offers. That wasn't the case for me and my team. In working with David, it feels good to know there are people still out there that care.

How do you not love this guy? He's been nothing short of amazing. Let me know forget his staff and his leadership. Eric Handler has always been an incredible resource in complex situations delivering time and time again. David Garcia, Eric Handler, and Vault Mortgage have delivered for me 1000% of the time.

Throwing out a challenge is fun, especially the ones where you find yourself saying "there is no way he will be able to pull this one off", and sure enough David Garcia and the Vault Mortgage / American Pacific Team made it happen!
We had a client that opened escrow on a 17 day escrow, that filed their income taxes the same day we opened...not only did David meet the timelines but was ready to close in 14 days (our client was an actress that won an Emmy the week of closing so the 17 days worked out )

Maribel F. C.

It was such a pleasure to work with David Garcia! He is professional, knowledgeable and experienced! We found ourselves switching lenders a few days into escrow and David and his team stepped in to help us through it all! He managed to jump in and even offered to close a few days earlier than anticipated! He’s really honest, open, and takes the time to teach you about the mortgage loan process. I would absolutely work with David again and would recommend him to any friend!

Amanee H.

Lawrence is the best! Extremely professional, communicative and informative. He and his team are thorough and work diligently to meet client needs. I highly recommend Lawrence as a lender and look forward to working with him in the future!