At PERL Mortgage, we’re committed to making your loan experience as stress-free and simple as possible. We start by offering a robust portfolio of competitive mortgage loans, world-class concierge-level service, and an all-star team of highly experienced and knowledgeable mortgage consultants who will exceed your every expectation.As one of the top 100 lenders in the Nation with over 23 years of mortgage experience, our stellar performance is a direct result of our commitment and dedication to our customers and their successful loan experience.We’re honored and privileged for the opportunity to be your lender for life.
Is PERL Mortgage, Inc legit?
PERL Mortgage, Inc (perlmortgage.com) has a 4.9 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 97% rating it 4 stars or higher; The business has replied to 33% of negative reviews. Last updated 2026-08-12.
My parents tried to get a loan a year ago from PERL and the loan officer they used was James Counihan, Needless to say, horrible communication and they did not receive a loan!!!! Issued a bogus "Pre-approval" letter that meant absolutely nothing. James never called or emailed to update or inform any part of the loan process or status. Had to call the main office line to have him paged so that he could call back. Botched the loan causing them not to have anywhere to live! Glad to hear that PERL got bought out by another company and that James Counihan now works at Chase Mortgage. But if you do go to Chase for a mortgage, don't use him. He's a horrible loan officer.
My husband and I refinanced our home with PERL. The customer service was beyond top notch! The team was professional, friendly, responsive, and knowledgeable. They took the time to patiently answer all of our questions and guided us through the whole process. We truly appreciate each one of the PERL team for the constant communication and making this whole experience stress free!! They were even present at closing to ensure everything ran smoothly!! From the first phone call with the parent team of PERL mortgage, to closing day, we cannot be more pleased!!
I would recommend PERL to all of my family and friends!!
I was shocked to discover a County Financial Home Insurance policy was put on my account without my consent. It was signed by a financial representative of PERL. I had it immediately removed. When I called him, I still remained confused about how that occurred. Now that I am settled into my new home, I am ready to investigate the matter. On my closing date, my family friend and seller of the house attended the closing with his lawyer. My agent was nice and she gave me a nice black and gold PERL toolbox case with a 8 inch penlight screwdriver inside of it. Although the toolbox case was nice, I thought it was rather odd to receive a tool box case after purchasing a house for thousands of dollars. Not to mention, I do not even have any tools to put inside of it.
Every employee that helped us refinance our home was over the top helpful. We had a great expierence at PERL. We were always able to reach the employees via phone and email after “normal” business hours to ask questions that we had, or to just discuss the process further so we made sure we understood everything that was happening, and to have clarity on the next steps when it came to our refinancing. All in all, the thing I love best about PERL is how easy they made the process of refinancing our home to be. We refinanced in a timely manner, which was nice, too. I would recommend PERL Mortgage to anyone.
My experience with Perl Mortgage was great! Mark Zihmer and Cory Bennett were very easy to work with and communicate. They helped me step by step and made my home purchase very enjoyable. I cannot thank them and Perl Mortgage enough. I would recommend them to anyone that is looking for a home loan!
Working with Chris Crandall at PERL Mortgage was fantastic!! Chris was super professional, well organized, personable, and clearly communicated each detail of each step throughout the process of securing our home loan. He was also spot on with his timing ensuring that we had all of our paperwork ready to go when it was needed. I would highly recommend working with Chris and PERL!
The most efficient group of people I have worked with. Always available to ask questions and very informed on how to do their jobs. Truly good people trying to help you!
You have to go with Christina Ewing’s team. She was responsive, transparent, and was constantly walking us through all steps & ensuring we had the best rate.
Mark and his team at Pearl in Yucca Valley CA were great! I felt like out of all the people that were supposed to be working for me throughout my long house buying process The ladies and gentlemen at Pearl were the only ones working with my best interest in mind. If ever need a mortgage company in the future Mark, Amanda, Karen and Zack will be my first call. Thanks again for the professional and courteous treatment
Perl was incredibly easy to work with and made owning a home a reality for my wife and I. Initially the thought of getting a mortgage was daunting, but Josh Callahan made it a breeze. We couldn't be happier.
I can’t say enough about Perl. My loan was very difficult and they worked hard to get everything through. Answered every question and kept the process clear and moving forward. I worked with Donny, and can honestly say he feels like family after a very stressful process. Without him I would have lost my sanity. Thanks PERL!
Mark at Perl was amazing throughout the process. I just closed on my new house today! During the entire process, Mark was always available by phone and email to field any questions I had. Even on Christmas day! It was their customer service that ultimately led me to select them over the other lenders I received quotes from. Not only was Mark able to match or beat the numbers I was quoted by the others, he flat out treated me better as well.
Perl Mortgage was a huge help with our refinance. Pat Cannoe is the BEST!!! He offered us many different scenarios before moving forward. It was just as important to him that everything was right and made sense as it was for my wife and I. Quick responses and always happy to help from him and the whole team at Perl. Thanks all
Own Up
Mortgage America
TBS Factoring Service
CapCenter
Sulekha US & Canada
Summ (formerly Crypto Tax Calculator)
Hidden Meadow Lending
DAG Wealth