“Dave got the job done correctly and on time. Not a single hassle or unexpected issue, all facts known up front. He is a consummate pro. Don't hesitate to employ his services.”

-Gary N.

 “No games with David. He knows his business.  He is honest, thorough and he protects you.”

-George Richards

“Just dropping you a note to let you know how great my refinance went. It was quick, easy and Dave always kept in touch on the progress. I’m so glad I used you guys, I will be telling all my friends. Thanks again."

-John T.  

“Dave Cochems has represented us on two separate refinances. On both occasions, he was invaluable as the liaison between us and the lender. He worked tirelessly to ensure our questions were answered and our needs were met. He made an extra effort to expedite paperwork by coming to our house on a Saturday (twice!) to pick up the documents. We have recommended him on several occasions and will definitely contact him again if we ever need another mortgage. Top notch service!”

 -Lisa R.

“I have done business with Dave since 1994. During this period Dave has helped me with a mortgage refinance, sold two properties, and even gone so far as to bring paperwork and do a signing (at our request) with a sick relative in the hospital. I trust Dave with my most important financial matters, he has shown that he deserves it, plus he is a really nice guy.”

-Bob C

“I would highly recommend Dave Cochems for any real estate or mortgage related issues.  He was a tremendous help to me several years ago when no one else could help me with the refinance of my home.  I was in a very difficult financial situation after the death of my wife and couldn't find anyone that was willing to help me resolve my problem.  Dave and Tammy Cochems worked tirelessly for several weeks and were finely able to work out a resolution to my situation and refinanced my home with a loan that was perfect for me. They came through for me when no one else would.  They know their business and can find a solution for almost any real estate need.”

​-Ward Finch, Dana Point

 “I had a great experience when refinancing my home loan with C&M. Dave Cochems took care of it. And would for sure use his services again if needed. They are the best.”

 -Margarita L.

“Dave Cochems was a pleasure to work with.  We bought our first home as a short-sale, and Dave played a major role in guiding us through the process and obstacles along the way.  Most importantly, he's a person you can instantly trust, which was our #1 concern due to the complicated nature of mortgage loan details - terms, fees, etc.  We will definitely use Dave and C&M again.”

-Alan Paquette

"Dave was incredible. He kept us informed of every step along the way and made us feel comfortable. I have already recommended him to my friends, and will continue to do so."

​-Jennifer C.

“Dave did a great Job helping me find a rental property. He made me feel like I was #1 even though it was just finding us a place to rent."

-Erin W.

"I wanted to thank you for your help in purchasing my house. My bank’s pre-approval offer was very low and you were able to pre-approve me for more than I needed. Through all the ups and downs of offers for short sales and foreclosures, you were there for me cheering me on. When an offer was finally accepted, you had everything ready to go. So, thank you to you and your wife for making at least one piece of the home buying process go smoothly."


"Dave Cochems is a real gentleman and a consummate professional. I have worked with him on at least four refinance transactions, on three different properties, and for every one Dave was great to work with. He takes care of business and gets the job done. At the same time, he is a pleasure to deal with - an all around nice guy. He is exceedingly fair in his dealings with clients - indeed, more than fair. He goes the extra mile to make it work. I look forward to many more deals with Dave in the future."


 "I have used Dave and his team multiple times over the last few years.  Quick, thorough, diligent and client-focused, they do an absolutely fantastic job."  

-Brad R. 

"Michelle truly worked hard for us. Her knowledge combined with her genuine care for her clients shows at every level of the outstanding service she provides. Her communication is top-notch! She was there for us at every step of the process and we highly recommend her services. You will not be disappointed!"

-Robert and Wendy E.

Michelle helped my husband and I purchase our first home and our experience home shopping and getting to the escrow process was absolutely wonderful! We definitely had more than challenging sellers we were buying from and Michelle went to bat for us but still managed the keep the process positive and exciting! I've already referred Michelle to two of my friends and I'll continue to do so as long as she's a Realtor! So happy to have found her and won't look anywhere else in the future.

-Daniel and Jennifer R.

"Selling a house is stressful, but Michelle was amazing! Not only was she on top of everything, but she was knowledgeable, timely, professional, and hard-working. She made the process as easy as possible. We highly recommend her."

-Mark and Kjersten H.


 C & M Real Estate Services          C & M Mortgage