Josh and the crew are amazing! We just closed our 3rd loan with Josh and this last one provided huge challenges that Josh was able to overcome without skipping a beat. They go the extra mile in providing amazing service. On our last loan things blew up with a lender one week from closing. Josh shifted lenders and got everything approved and closed on time...in 7 days.

Josh and the crew know what they are doing, they are professional, courteous and above all very ethical! They will do what is right for you not sell you a bill of goods! Thanks Josh & Christy! We love our new home.

The Neubauer's


Thanks Josh for a great rate and payment. After shopping around you proved to be our best choice. You're honesty and efficiency was a bonus. Thanks again!

The Zimmerman's


I just wanted to say thank you for an amazing job. You and your team really exceeded our expectations and I can't thank you enough for working so hard on our behalf.

We love our new home and we are so thankful that the Lord blessed us with it and allowed us to work with you.
Keep up the great work!

God Bless,

Sean Alsobrooks

I would just like to thank you for all of your hard work on my refinance. It is difficult today with so many choices out there for refinancing to make the right one.

But I can say that I surely made the right choice with Miller Financial. You made the whole process so simple and stress-free, in what happens to be my biggest financial decision of my life- especially with home prices these days.

You and your team were so professional and I felt so comfortable through the whole process from looking at different options to getting funded. I will definitely use you again and would give you my highest recommendation.

Thanks for everything,

The Nolan's
Orange County, CA


We would like to thank everyone at Miller Financial for helping us buy our new home. Buying a new home is a very stressful experience, but everyone at Miller Financial made things much easier. You were highly recommended to us by a close friend & we now understand why. The entire purchasing process was simple and worry-free. We always felt as though we were your only clients because of all the personal attention you gave us. The only complaint we have is that we didn’t know about Miller Financial when we purchased our first home.

Thank you again for all your wonderful, hard work.

The Wesner's
Santa Maria, Ca.


That’s right. Two minutes of time is all it took Liz Conway to visit our brand new website and complete the secure online application.

A few days after inputting her information she had loan approval to refinance her existing mortgage at a much lower rate and save $634.48 every month!

Liz is just one of the many people we have helped over the past 11 years. Like most of us, Liz rarely thought about refinancing. It's not that she specifically avoided it, but once she was in the groove of a mortgage, it became second nature to pay that bill every month.

We discovered a great plan for Liz and we can do the same for you. You see, we do things differently. We are not like the big giant corporate banks and lending companies. We are a family run business in Murrieta and you can ask Liz for yourself, we take personal attention seriously.


Dear Joshua,

I wanted to thank you again for helping me with the purchase of my new home. Without you and the rest of the crew at Miller Financial, I am sure I would not have been able to buy my first house all by myself. Not to mention my family and friends are jealous of the great rate that I got.

Thanks for making the process, from beginning to end, simple and direct. I hope the referrals I gave Miller Financial have worked out and I look forward to talking to you soon.


B. Dahl
San Clemente, CA




"I try to approach all aspects of my life with prayer, that God will lead me to the right decisions and proper direction. "

"When the time came for me to venture into the abyss of homeownership, my brother, the financial planner, recommended Larry Miller and Miller Financial. I trust my brother in his professional opinion as well as his desire to give me great resources to guide me in the home financing process.
Since my first conversation with Larry, I have felt a peace of mind and heart about working with him and trusting all the sensitive personal / financial data to him."

"I prayerfully continued working with Larry when I ultimately did buy my new home. The worries and stress for me, making this step as a single person and knowing nothing about the process, were abated by Larry and his family as they took care of me and my loan every step of the way. I am confident that Miller financial was just part of God answering my prayers. "

"My decisions were affirmed with a phone call I received about 4 months after being in my home. Larry identified that rates had dropped again and I could get the same rate for a 30 year as I had with a 7 year. Larry had told me he would watch the rates and let me know when things changed for the better as we needed to do something within 7 years. Larry honored his commitment and took care of me once again."

"I trusted that God would lead me to make sound and prudent decisions in all aspects of the home purchase. He did indeed when He led me to Miller Financial"

K Carrier
Orange County, CA