Some Recent Compliments:

“Tammy, Cindy and I want to thank you and your team for the outstanding service and professionalism! You went above and beyond when the first buyer cancelled escrow on our condo by redecorating the place on your own dime. We couldn't be happier with the entire process of buying and selling our properties – and our financing for our new home. We tell all of our friends what a great full service firm Tammy runs and we wouldn't use anyone else!”

-Kevin and Cindy Allen – SPAWAR Engineer & Cost Analyst

“Dear Tammy, We're still getting settled in our new home, but wanted to take a moment to thank you again for your excellent service. We certainly appreciated how you were always available for questions - day or night - and your knowledge about San Diego's diverse neighborhoods was a huge plus. What impressed us the most is your attention to every detail and the exceptional follow-through we got from you and your staff. You always went the extra mile for us and put forth a sincere effort to find us the perfect home.

-Once you find a Real Estate agent you trust and like, you don't switch. We will definitely recommend you to all our friends. Thanks again! “

-Robyn Ise and Ty Tantum IT Project Manager & Sr Acct. Executive

“Tammy, I would like to take the time to thank you and your team for the outstanding service and performance you displayed during the selling of my home in Lemon Grove. After being in the Navy for 20+ years, I have lived in several locations around the country. I have bought and sold several homes during my tours of duty in different locations around the US and dealt with several different real estate agent and companies, some of them have been from the large companies, the so called "top of the line" real estate agencies. You and your team put them all to shame. You made the selling of my home at my retirement from the Navy THE BEST EXPERIENCE I have ever had during a real estate transaction. Your professionalism, dedication and willingness to go the extra mile to assist and advise me and my family made what could have been a stressful experience a pleasure. Your marketing techniques ensured I received top dollar for my home and a speedy sale even at a time when the market was slowing. BRAVO ZULU to you and your team for a superb job!”

-Lonnie L. Porter – Retired Military and Proprietor of OK Fowl

"Tammy and her team at TRFS are a delight to work with. I was referred to her team by a valued friend and the one thing he said was, ‘they will take care of you like one of the family.’ He was right. Tammy and her staff took the time to get to know my specific goals and objectives; but more importantly they got to know me. They were highly professional, knowledgeable, and resourceful. The team quickly pulled together several options for me to review and explained the specifics along with all of my questions. Closing the deal was quick and simple. The Service didn’t stop there; Tammy and her staff periodically check-in to see how things are going – just like family. I have recommended Tammy and TRFS to many friends and associates, and will continue to do so. Thanks Tammy!"

-Walt Keays – Program Analyst on assignment in Iraq

“Tammy-Marylynn and I would like to thank you for your great service when we purchased our condo downtown. You not only helped us negotiate the right deal, never pushing too hard, you also made sure we were aware of the many alternatives to the unit we finally focused on. In the end we felt that, with your assistance, we found the right unit in the right building at the right price. Working with you on both the purchase and mortgage made everything so much easier. I really appreciated that you did most of the paperwork with us electronically (which enabled me to work with you on the purchase & mortgage while I was traveling), and gave us a complete digital file of the transaction at the end of the process. Finally, I also want to thank you for the great contractors you referred to us to handle the remodeling, a couple of whom were the best guys I've ever worked with on any project like that. You will definitely be handling our next purchase and any financing needs we have. I am so thankful Greg referred me to you back in 2002 when you helped me purchase my first property downtown! Thanks again, ”

-Rob & Marylynn Cain - V.P. & Regulatory Affairs Manager

“It was our extreme pleasure and complete delight to have worked with Tammy Robbins and the TR Financial Team to purchase our current home. From the beginning, our real estate requirements were unique and very challenging, in that we were still living in San Francisco, but were looking to buy in San Diego. We were also in the middle of expecting our first child, and had to find just the right house - with yard, nearby parks and a reputable school district – in a very specific time frame.

-After viewing hundreds of pictures emailed weekly by Tammy, visiting over 50 properties, (our) numerous requests of Tammy to drive out and take pictures of properties, and an endless number of phone calls, we found our perfect home!

Through it all the most amazing part of the experience was Tammy’s patience, professionalism and the extra “TLC” she provided, to ensure that our experience remained satisfying and enjoyable. Having now gone through many home purchases, we can say with confidence that we could not have found anyone that made us more comfortable to work with than her – no matter in San Francisco, San Diego or anywhere in California.

-We look forward to working with Tammy and Team more in the future.”

-Phong Q. Rock & Marcela Rock – Sr. Partner - House Values Client

“As a repeat client of TR Financial Services, the main statement I can say is ‘Tammy gets it done’. She is very professional, knowledgeable and so efficient. I don’t need to follow up because she takes care of all the details, keeps me updated and uses her knowledge to save me as much money as possible. Whether it’s selling real estate, refinancing or a new purchase loan, and I’ve done all through her business, I can trust my important transactions to Tammy and her staff.”

-Nancy Rojas-Bihler – Sr. Accounting Manager

“Thanks for doing such a great job with selling the house and all the extra work in getting the bumps smoothed. I think the most impressive offer was when you offered to take care of the yard and plants when I was traveling. Most impressive! I've never heard of any other Realtor making such an offer. You always went that extra mile to make sure the fine details were looked after so I did not have to worry Thanks again.”

-Mark Brown – Retired RN, Balboa Naval Hospital - House Values Client

“Tammy Robbins and her team are the most professional and decent agents and brokers we've met. You can always expect a return call in a timely manner and prompt, professional resolution of any issues that come up. Buying or selling a house is a stressful thing; it is a testimony to her team's excellence that since I found Tammy and experienced working with her, I have used her services to sell a house, buy a house, and finance multiple loans.

-Once you find someone fantastic, you want to use them again and again. I'm sure I'll be keeping her information handy and passing it along for years to come! Thanks so much, Tammy! You helped us get the home we always wanted and worked miracles with our loans!”

-Heather and Adam Zion – Literature Dept UCSD & Electrician – House Values Client

“I want to thank you for your great service in the selling of my mother's home in San Diego. As an out-of-state Estate Executor/Trustee you relieved me of many of the burdensome tasks in selling a home from across the country. Your advice and assistance in preparing the home for sale, coordination of the varied contractors, and marketing of the home were exemplary. All of my questions and concerns were addressed in a timely fashion, and in sufficient detail to allow me to make the necessary decisions relative to the sale. I could not have asked for a better Realtor. You and your staff were outstanding. Feel free to use this in your future business endeavors.”

-David Skidmore - Trustee – Retired Military - House Values Client

“I wanted to thank you for the care and diligence you took to sell my home in San Diego. Knew I could count on you to manage all aspects of the sale even in my absence from the state. I truly appreciate all the effort you expended towards the sale of my home in an increasingly difficult market. Knowing that you were taking care of all the contractors, agents and keeping the place presentable made it easy for me to get started in my new life here in Louisiana. Your extensive knowledge of property law and regulations saved the sale and trained the buyer's rookie agent resulting in a successful sale and saved me money as well. Your professionalism and honest personal care for me and my family are very appreciated. You have my highest recommendation and endorsement. Anyone would do well to utilize you services.”

-Larry E. Angermuller-CPO USN(Ret) - House Values Client

“I had purchased five homes in two countries prior to moving to San Diego. I knew our refinance would be difficult—adding my son and daughter-in-law to a mortgage with my son stationed overseas. I talked with several banks and interviewed three brokers before hiring Tammy, but wondered if anyone could handle this complicated refinance within the restrictive parameters we set.

-We are thrilled with the outcome and now have a long term fixed rate mortgage. Tammy walked us through the complicated paperwork, encouraged us along the way, sought investors who understood our situation, and kept us hopeful and smiling through the process! She is bright, hustles like no broker I’ve ever known, and does so with a sense of humor that makes it a pleasure to do business with her. I have already recommended Tammy to friends, and will continue to recommend and use her services for years to come. She is our California gold!”

-Shirley Harshman—Retired Teacher

"Tammy was simply great in helping me with the purchase of my first home. She thoroughly explained the finer points of mortgages, interest rates, financing, and other things a first-time buyer might not know. She was knowledgeable, timely, detail-minded, completely thorough - a real professional. I felt comfortable with her advice, and well taken-care of.

The whole purchasing process was smooth, no surprises. I would definitely recommend her services to a friend, without reservation."

-Ellen Melcher – RN

“The service provided by Tammy (the president) and her staff at TR Financial Services, Inc. was and has been an excellent provider of information, experience, suggestion, and quick turn around responses with a smile. They have allowed me to implement one the most important steps towards my financial stability – buying a home. This step was one that I was afraid of taking. Due to TRFS’ structured organization, expertise, and knowledge, the process was quick and easy.

Thank you again and I am looking forward to future business with TRFS”

-Jaime Gonzalez - Electrical / Magnetic Engineer

“We love your professionalism, your caring ways, your diligence and dedication, your swift responsiveness and efficiency. I guess all of it! 2004 was a great year; you helped refinance our rental properties at the lowest rate. You helped our entire family in the refinancing of their various properties to their satisfaction including our son, Marc, in Japan. I know from experience that is not an easy task to accomplish when one's income is in foreign currency. But, you did all with relative ease. We do appreciate all of your qualities, which makes you are a ‘Real Pro’

-And of course we must mention the delivery of our two new cars, Toyota 4-Runners Limited, which we love. You showed us the brand new way of buying a car; to order from you and to be delivered at your house in a short time. All this with a Good Price! No more hassle at the dealership. I would say if you want to buy a car painlessly with a price which beat the dealerships' follow our lead and order one from Tammy Robbins. We will not hesitate to recommend you to our circle of friends and acquaintances.

Thank you again for your service!”

-Hal and Terry McEachern - Retired Naval Officer and Realtor

“Thank you for doing such a great job with my re-finance. Your expertise with self employment loans is great. My loan was done quickly and most importantly, easily. I enjoyed working with you and Vanessa; you guys were easy to get a hold of and always had an answer!! Thanks again and I look forward to working with you again.”

-Kristi Manion – Entertainment Director & Realtor

“I have never done this before, but I just had to write and thank you for the great service and outstanding support you and your staff have provide to me and my family over the last year. You made the process of refinancing our homes so easy and risk free with your comprehensive knowledge and experience in the real estate and finance markets. While I know that our special situation must have been challenging, you always made us feel that we were your most valued customer!

-I also want to thank you for making the process of car buying so much fun! My parents both said it was the best experience they had ever had buying both of their new SUVs through your service. Having exactly the car that they wanted at the best price, delivered to their doorstep with none of the hassle of comparison shopping or bargaining, made it seem like Christmas!

My family and I want to wish you and your staff much success in the future. Thanks again for the great service.”

-Nina McEachern - Project Manager

“Tammy is the definition of professional. She helped us refinance our new condo. Tammy gave us a detailed plan of action and communicated her progress throughout. She even got online at 6 a.m. to lock-in our interest rate when the markets opened. By doing so, she saved us a quarter point. Above and beyond our expectations. A++. We have referred several friends to use her services to purchase and/or refinance their homes. Thanks Tammy!”

- Lawrence Lee & Nick Pavelich - Graphic Design Artist and Massage Therapist

“The service Tammy and her Team at TR Financial is unparallel to any Realtor or financing company we have dealt with in the past. Their attention to the smallest detail, their commitment and individualized attention is like no other .TR Financial treats you like family member not just a client. They are the GREATEST!”

-Joseph & Naomi Nocitra - Center Managers

“Very proactive, creative, and aggressive in securing clients the best loan package available anywhere. Highly recommend TR Financial to anybody who has had a bad experience with other lenders. Additionally, Tammy has the sexiest staff in the industry:):):) “
-Sean Peele - Neuro Science Specialist

“Tammy was committed to my satisfaction. She answered all my questions and helped me step by step to obtaining a mortgage loan I felt comfortable with. Tammy made my experience of purchasing my first house efficient and enjoyable.”

-Paul Wilson - Environmental Engineer

“Tammy Robbins, owner of TR Financial Services, put together a mortgage for me. From start to finish everything was top notch. She was completely professional and confident. In fact, her confidences helped to relieve my fears and worries.

-Tammy’s knowledge of the industry is extensive. In the end, everything turned out just as she had promised—the loan funded, at a better rate than expected, and I got my new house right on schedule. I highly recommend her.”

-Dave Dibbern, San Diego, CA - Production Manager

"TR Financial set a new standard for customer service. They made the car buying experience enjoyable. I never had to leave my house. They provided me with exactly what I wanted and had it delivered right to my door. This is the way to do it. I highly recommend anyone who is buying a car to go through TR Auto Brokering."

-Karen Hogg - Bookstore/Property/Student Accounts Manager

“I would like to give my highest recommendation for TR Financial Services. TR Financial Services made the mortgage process incredibly easy, arranging everything for me on time -- it was one of the most stress-free experiences I have ever had! TR Financial Service's top-of-the-line service and a detailed knowledge of the market have made me a customer for life!”

-Red Gillen –Sr. Partner

“I very much appreciate all you and Dean (don't want to forget Arthur) have done for me. You make me proud of myself for having made a good choice in who would handle this most important job. Keep up the good work and phenomenal attitude.”

-Susan Barclay – Trustee House Values Client

“Recently TR Financial Services sold some real estate for me and my property was professionally marketed and a quick and fair market price resulted. I was kept up on all details via telephone and e-mail, everything went as smooth as silk. I'd recommend TR Financial Services to anyone. Thanks TR Financial!”

-Bobby J. Burks – Retiree - House Values Client

“Every time we needed refinancing, you have been there for us. First, you helped us secure a loan for our new home. You made the process easy for us. With all the paperwork involved, you always made sure that we were prepared. You even helped make it easier by having the notary come to our home to sign the papers. When we needed a refi, you came through for us once again. You made sure that we always got a great deal and you made sure to shop around for the best interest rates. You made sure that our needs came first and the lines of communications were always open. You were there if we had any questions. And even after the close of the loan, if we had any trouble with the mortgage holders or banks, you were always there to lend a hand. The three times that we have come to you in the past 3 years, you always made time for us...like we were the only clients you had. You were never too busy for us. Ed and I have had the greatest experience with your company. And rest assured, the next time we need a loan, you are the only one we would consider going to. Thanks for the years of great customer service and support!”

-Ed and Rose Paz – Retired Military