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Ben Lerner

Ben Lerner

Producing Branch Manager · NMLS# 395723

San Luis Obispo, CA5.0(89 reviews)

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Ben Lerner at Certainty Home Lending (NMLS #395723)

Today · 9 AM – 5 PM

895 Pismo StreetSan Luis Obispo, CA 93401
Rating5.089 reviews
Satisfied100%89 reviews

Ratings include all 89 reviews. Reviews collected directly from clients are shown only with their permission.

Ben and Sarah were wonderful to deal with. Very knowledgeable, professional and experienced. They made the entire process easy. We always felt we were in good hands.

Response from Owner

Susan, it was a pleasure helping you and Mike through your transaction. I am so excited for you to be closer to your family. We will be here for you at any time. Please reach out with any questions or discussions. We look forward to hearing more about the move. Ben and Sarah.

Very helpful service!

Response from Owner

Congratulations on the home, Mark! Please reach out at any time with any questions or discussions. We will be here for you.

Ben and Sarah were incredibly professional and helpful. Process was very smooth and cannot wait to work with them again. Ben looked out for me as if I were family giving me great advice while guiding me thru the entire process. Will not be working anyone but Ben.

Samir A.

They are with you the entire journey and working hard to get the lowest rate. They provided education along the way that was extremely helpful.

Response from Owner

Congratulations to you, both! Thank you for allowing me to assist, Neil. We will continue to be here for you as any questions or direction is needed. Enjoy your beautiful new home.

Ben,,Sarah Doug and every one from Certainty were fantastic.they are our acquisition quite easy for a not so tech-savvy octogenarian,thank you for your help.

Hobert H.

No written review

Philip S.

profesionalism

Haresh P.

great people

Hobert H.

great service, easy to do business with.

Stephen F.

Everything was handled extremely professionally and we were kept in the know all the time, calls emails returned the same day . Extremely professional.

Dhaval P.

Ben, Dylan and Sarah are the best team I have ever worked with on a loan. Stellar and personalized attention to my loan needs. Always informative and positive throughout the process. They explained the more complex parts of the loan so I could easily understand it and followed through on all aspects of the process. I would recommend them without hesitation.

Jane P.

Very easy and talented team with followthrough.

Bruce G.

Response from Owner

Congratulations, Dhaval! We are very happy for you and your family on the purchase of this beautiful home. Thank you for trusting us with your transaction. Ben

Dhaval P.View on Google

No written review

Susan L.

Agent works with me when rates go down.

Randall Y.

Great to work with.

David R.

As a first-time homeowner, I could not have asked for a better team to assist us in navigating the home-buying process. Purchasing a home can be nerve-racking; however, the Certainty Home Lending team clearly and thoroughly explained every financial detail. Their professionalism restored our confidence and put our minds at ease throughout the process. Ben Lerner and his team provided exceptional service, and we sincerely appreciate their tremendous support and commitment to building trust. We are grateful to now be homeowners and begin this next chapter as a family.

Fredys D.

Ben Lerner is great

Brian B.

Comfort and ease of provess

Matthew J.

Flawless service.

Shawn B.

professional and fast

Dawn N.

Ben is the best

Patrick L.

No written review

Bryan D.

No written review

Lies G.

Ben and Sarah performed a miracle getting our loan from application to signing in 8 days!

Jennifer W.

Great service

Kenneth K.

As a first-time homeowner, I could not have asked for a better team to assist us in navigating the home-buying process. Purchasing a home can be nerve-wracking; however, the Certainty Home Lending team clearly and thoroughly explained every financial detail. Their professionalism restored our confidence and put our minds at ease throughout the process. Ben Lerner and his team provided exceptional service, and we sincerely appreciate their tremendous support and commitment to building trust. Ben Lerner dedicated an enormous amount of time explaining every financial aspect, especially those related to the VA loan. In addition, Ben and Sarah were always available no matter the day and time. We are grateful to now be homeowners and to begin this next chapter as a family. I would give more than five stars if I have the capabilities. I highly recommend Ben Lerner and his team.

Response from Owner

Thank you, Fredys. It is a pleasure assisting you in your first purchase. We are very happy for you and your family. We will be here for you if you have any questions at any time. Thank you for your years of service to our country. We are all grateful.

Fredys D.View on Google

The lenders at Certainty Home Lending made the arduous task of obtaining loan approval less stressful and straight forward. Ben and his staff were able to get us approval on the home loan in 8 days, which included the days-off for Christmas and New Years! We had a strict deadline to meet the date of the loan contingency, and Certainty was able to get it done. The portal for communication and uploading of documents was top-notch and straight forward and easy to use.

Response from Owner

Thank you, Irene. Congratulations on your purchase and on your children's achievements. Please reach out at any time we can be of service.

Ben and his team were awesome to work with. They provided clear and straightforward processes and market insight. I would highly recommended them!

Response from Owner

Thank you, Kenneth. We are very happy for you and your growing family. We will be here with any needs.

Kenneth K.View on Google

I cannot say enough good things about Ben & Sarah! They are both so helpful, kind and most importantly, patient! We’ve used them for financing and refinancing on four properties. They definitely are our “go to”!

Response from Owner

Thank you, Carol. We so enjoy working with your family. We are always here for you as needed.

Ben and his team Doug and Sarah were awesome in this process. They made it simple and very prompt on all items and the process. They communicate very well throughout the process. This is the reason this is my second time working with them for my home mortgage needs. Thanks again! Until next time!!!

Response from Owner

Thank you, Joseph. Please reach out at any time. It's nice to get to assist you when you spend your life serving others.

Ben and his team Doug and Sarah were awesome in this process. They made it simple and very prompt on all items and the process. They communicate very well throughout the process. This is the reason this is my second time working with them for my home mortgage needs. Thanks again! Until next time!!!

Joseph B.

Ben and Doug were amazing to work with. They were patient and helped me understand what I needed to do.

Kiana J.

Excellent service

Patrick K.

Ben Lerner and his team are amazing - very responsive, helpful, and kind.

Darcy H.

Ben had exceptional communication and service

Adam S.

Ben and Sarah were always so responsive and helpful every step of the way.

Michael A.

Great Service

Luke S.

Ben is a standout super star!

Spencer S.

I am deeply grateful for the outstanding support I received from Ben and Sarah throughout my mortgage process. From start to finish, they showed exceptional professionalism, dedication, and expertise. Ben was incredibly knowledgeable and proactive, always taking the time to explain each step and explore the best possible options. Sarah was equally remarkable—organized, responsive, and supportive at every moment. Together, they made what can often be a stressful process smooth, clear, and efficient. Thanks to their commitment and teamwork, I was able to reach financing and close successfully. I truly couldn’t have done it without them. They are an exceptional team, and I recommend them wholeheartedly to anyone seeking outstanding mortgage professionals.

I am deeply grateful for the outstanding support I received from Ben Leaner and Sarah Sweeny throughout my mortgage process. From start to finish, they showed exceptional professionalism, dedication, and expertise. Ben was incredibly knowledgeable and proactive, always taking the time to explain each step and explore the best possible options. Sarah was equally remarkable—organized, responsive, and supportive at every moment. Together, they made what can often be a stressful process smooth, clear, and efficient. Thanks to their commitment and teamwork, I was able to reach financing and close successfully. I truly couldn’t have done it without them. They are an exceptional team, and I recommend them wholeheartedly to anyone seeking outstanding mortgage professionals.

Giovanni F.

Ben and his team are the BEST!! They are completely in tune with their client's needs and consistently demonstrate a high level of value for everyone's time. I could not recommend them more than I do.

Response from Owner

Thank you, Matt. We truly appreciate you and Chris and look forward to assisting you in the future. Please reach out at any time if we can assist, or to buy you a coffee!

Amazing Service. I’ve used Ben Lerner and his team for many years. Highly recommend

Response from Owner

Thank you, Luke. We appreciate working with you and Rizza. Thank you for your service!

Working with Ben Lerner at Certainty Home Lending was such a great experience. Being a first-time home buyer is very nerve-wracking, but Ben broke down the mortgage process step-by-step so everything was clear. He was also very accessible during the entire process, which I found impressive. I would definitely work with him and Certainty Home Lending again in the future!

Kenya L.

We ended up with an amazing property surrounded by open space at the end of a road only 20 min to San Luis Obispo. The views are spectacular and we have income from a new 2 Bed ADU. We have out building for a shop and for chickens and horses. We looked for several years but when we found this we had to act FAST. We did not have time to sell our house in San Luis Obispo, but Ben Lerner created an offer the seller could not decline! It was a bit scary but he and his responsive team continually reassured us. By a full cash offer we scored! and then we had enough time to sell our house in Serra Meadows for the highest price. Ben and his team are the best I've had in 14 home purchases.

Response from Owner

Thank you, George. It's always a pleasure working with you. So happy you are enjoying your space in your new home. It's like living in a nature reserve.

George K.View on Google

The team at Certainty was great. Sarah, Stacey and Ben all work closely together to keep the many moving pieces moving forward. They were always available to answer questions and help us through the process. Thanks to each of you!

Response from Owner

Thank you, Bill and congratulations on your new home. We are thrilled to have your family in our community. Please reach out at any time if we can be of service to you.

Have worked with Ben on several transactions. He is a man of his word.

Response from Owner

Thank you, Bill. It's always a pleasure working with you and your family. Congratulations on the new home!

Your office was very helpful to get us through a difficult Mortgage

Response from Owner

Thank you, Patrick. Very glad we got everything done. Please reach out at any time with any questions. We will be here for you.

patrick R.View on Google

Mostly because of Ben Lerner and Sarah Sweeny who handled everything with professionalism and attention to detail.

James R.

Clear and consistent communication, expert guidance, and determination to get the job done.

Jason J.
Equal Housing LenderEQUAL HOUSINGLENDER
© 2026 Guaranteed Rate, Inc DBA Certainty Home Lending. All Rights Reserved. Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: www.nmlsconsumeraccess.org. Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.

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