Bill wrote the home mortgage for me, and we were very happy with the end result. Low rate, closed on time, everything went fine. I’ve referred other clients already and recommend Bill and the morningstar team to anyone needing a reverse mortgage or forward regular mortgage.

Morningstar did a mortgage and a couple Refinances for me. I got great rates, excellent service and Bill made it extremely easy and hassle free.

As a broker, I need to have confidence in the lender’s ability to get the loan complete. Bill has helped numerous clients of mine get their loan so they can purchase their home. He is customer focused and stays on top of the transaction. Definitely recommend him to anyone looking for a loan or reverse mortgage.

Bill Gaffney at Morningstar was fantastic! He walked us through every step of the process for buying our first home and made the process so easy. He went above beyond to get us the best rate possible and expedite all documents we needed from our HOA. Highly recommend if you want to save time and money!

“I cannot say enough great things about working with Bill Gaffney of Morningstar Mortgage!!!

He just makes the whole process of refinancing so easy, but not only that, he was always able to give me the lowest rate available!!! In the past, I dealt with many other lenders & the process was so cumbersome & seemed to take forever!!!

Bill is not only knowledgeable in his field, but very responsive & pleasant to work with, making the whole process a breeze!!! That is why I keep going back to Bill with any mortgage related question & have wholeheartedly recommended him to all of my friends!!!”

I wouldn’t have my house if it wasn’t for Bill. He helped me find a house in my price range and arranged for everything. Then when it came time to do a major remodel he helped me with the refinancing. It was nearly effortless. While friends and coworkers struggled with their refinancing I breezed through mine.

Bill was easy to work with and very flexible. I sometimes work odd hours and he worked with me to get everything signed. He even had a notary come to my house. He took care of everything. He was patient with my stupid questions and made me feel comfortable when the idea of refinancing frayed my nerves.

Every time that I hear people tell their horror stories about financing or refinancing their homes, I thank my lucky stars that I didn’t have to go through that. Thank you Bill!

It’s always a great experience working with Bill at Morning Star, he’s extremely knowledgeable, friendly and always takes the time to answer any questions I may have. He makes the whole process very simple and stress-free. I have recommended him to all my friends and family.

I have relied on Bill Gaffney and Morningstar Mortgage for 100% of my real estate borrowing for over 20 years. We have purchased 2 homes in Southern California with Bill’s help and also re-financed those homes when Bill let us know the rates had dropped. His expertise coupled with his astounding customer service is an unbeatable combination. I shopped around at my bank and other lenders – and found that Bill always offered the very best interest rates and lowest overall fees. Most importantly, I really trust Bill to act in my best interest when advising me. He has my highest rating!

We have done business with Bill for over 20 years. He was helped us through purchases, and several refinances when he alerted us that interest rates had decreased.Each time he carefully explained several financing options and showed us on graphic reports how they compared to each other. And his rates beat our bank by over .25%! I recommend Bill Gaffney without reservation to anyone looking for mortgage assistance.” I trust him completely!

Bill at Morningstar has been great to work with on both the buy and sell side of our homes. He takes all the time, we need, to explain all the issues, options, and ideas. We have had a professional relationship that spans over a decade, and we trust him to represent us fully with these big decisions. Peter & Tanya