Deercreek Financial
Committed to You and Your Mortgage Needs!
PHONE:  909-941-0122
10700 Jersey Blvd #300, Rancho Cucamonga, CA 91730


A genuine gift!  That is what Diana and Jeff Tosha give their customers!

We have utilized Deercreek Financial numerous times across 15 years for purchase and for refinance assistance.   To have the expertise, the trustworthiness, the ethics, and the professionalism available for consultation or for purchase/refinance needs is immeasurable. That is the gift!

Talk about stress-free business!  Communication is quick and reliable, and their calm and happy demeanor creates a great office experience.  We cannot express how thankful we are to be customers of Jeff and Diana’s Deercreek Financial!


Pam and Bill R.



Dear Jeff

Thank you for your professionalism and diligence on your assistance on my recent refinance of my house!

As you know, you were referred to me by another very happy client of yours, Sharon W. She was very selective with whom she recommends anything for, and I'm glad I trusted my instincts, and had do my loan. Every challenge, new update, additional information request was handled calmly and aggressively right to the last detail. Amazing job Jeff, look forward working with you in the future! Highly recommend.


Michael B.

Ontario, Ca 



My wife Liz and I wanted to take a moment to express our sincere thanks and appreciation to Jeff & Diana Tosha, and Deercreek Financial.

It is always a great pleasure doing business with them! They truly care about their customers and they always take the time to clearly explain every step of the process. They are extremely patient and knowledgeable, and their expertise makes you feel confident and secure.

We would never go anywhere else, and strongly recommend them to anybody!

A big shout out and THANK YOU!!! to Deercreek Financial! 

May God richly bless you,

Felix & Liz P.


Hello Jeff,


With our baby boy on the way, finding a home was the number one priority for Jessica and I. We came to you in January and told you that we wanted a house before the baby comes. It took us about 3 months to find our dream home. Once we found it, you had our loan processed and approved in a about 5 days. 


Words cannot express how grateful Jessica and I are. You imparted financial wisdom and most importantly godly wisdom in our lives.

You exhibited extreme patience while dealing with our lack of expertise, you promptly answered any and every single question we had, and were flexible to meet with us on very little notice. You carefully walked us through the lending process, ensured that our loan matched our financial needs and made sure the loan was completed well before our time line. Buying a home can be a very intimidating process, but with you by our sides we feel comfortable during the entire process. 


For HONEST and PROFESSIONAL service, we highly recommend Jeff and Deercreek Financial.


Truly Grateful,


Jessica and Dwuan R.


Hello Jeff:

Judy and I offer you our THANKS!!!

We have never worked with anyone on a property loan like you.

Your personal touch made the whole process very easy.

Our THANKS also to Nancy & Tom for introducing us to you.

If the opportunity comes up, we will strongly recommend you to others in need of assistance with the funding to purchase a property.

Our Best Regards,

Gene & Judy B.

Hi Jeff,

 We really can't say enough great things about the support you provided us during our home purchase! We were told by the listing agent that they even selected our offer once they heard we would be working with you, so for that alone we are extremely grateful. Clearly you have a great reputation in the community, and now we understand why. The expertise and integrity that you demonstrated throughout the entire process, especially helping us to extend the lock on our lower rate, will not be forgotten. We look forward to recommending you to friends in the future, and will definitely be in contact when we need to secure another loan.

Thanks again,

Scott & Cathy 




Hi Jeff and Diana,


We wanted you to know that our experience in working with you to obtain a home loan was great.  We didn't expect to find someone so clearly on our side, and willing to explain exactly what all the different numbers were for.


When we decided to refinance, neither of us felt there was any reason to shop around - we both knew Deercreek Financial was the right choice.


Thank you for being you.


Tait and Robyn


Hi Jeff,

Deercreek Financial is hands down one of the best lenders in the Southern California.   Their extensive knowledge, attention to detail, and straight forward approach make you feel comfortable and confident they are looking after your best interest.  There are many lenders out to select from, but my experience with Jeff and Deercreek has been nothing but the best.  I put my trust in him and my mortgage loan.   Sincerely, Brian DeMott

Brian DeMott
Realtor, e-Pro
Direct: (909) 455-3601
eFax:(888) 315-6674
Don Kendrick Real Estate


Hi Jeff & Diana


I am not only a very satisfied and pleased client of Jeff's but I am also a real estate broker that has referred many of my clients to Jeff. All of my clients thank me when the loan process has completed and continue to keep Jeff for all their refinancing needs. My clients think so highly of Jeff and his lovely wife, Diana, that they in turn start to refer their family and friends to him.
Jeff and Diana Tosha are "simply the best". It is rare to see such honesty, integrity and up to the minute knowledge in the financial field as what Jeff offers.
I was so pleased with my own personal transaction that I feel so confident when I give Jeff's name and number to all my clients and acquaintances. Jeff and Diana exude total professionalism but with care and interest in each unique borrower that they serve.
I cannot recommend highly enough that clients do themselves the favor of talking to Jeff first for all their real estate financial needs.

Very Sincerely,

Mary Pocius - Broker

Cornerstone Real Estate
Hey Jeff & Diana,

I remember when we bought our first home, Naomi and I prayed that GOD would provide us someone we could trust and depend on, GOD answered our prayer and brought the both of you!   For almost twenty years, the both of you have been great, caring & wonderful to us and have helped us in so many ways throughout our home buying years(3 Home & 3 Refi).  Naomi and I have been truly bless by GOD who through the years allowed us to develop a wonderful friendship.  We will continue to have the both of you in our lives for our financial needs as well as friends.  May GOD continue to bless the both of you and your incredible GOD centered business.
God Bless,

Steve & Naomi


   Jeff, Diana, Thank God for Deercreek Financial!  My wife and I were very pleased with the way Deercreek Financial handled our daughters loan.  The loan process was interesting and you were always available to answer our questions.  The paperwork went quickly and Deercreek was always one step ahead of any requirements.  Your straight talk and expert advice became our beacon we could always count on to help us get the loan approved and escrow closed in a timely and professional manner.  I seriously doubt we could have closed the loan as easily and quickly as we did without you.  Now our daughter has her own home and is paying herself every month instead of some faceless landlord.  We will continue to recommend you to our family and friends and will definitely contact you again should the need arise! Best Regards, Gil, Ruth and Katy.


"Jeff Tosha at Deer Creek Financial was such a pleasure to work with.  I was referred to him by my sister, a realtor, and she was spot on with that referral.  Jeff is perhaps one of the most competent and thorough loan professionals -- he was able to get us the best loan rate out of four others which resulted in a lower mortgage payment overall.  AND he went above and beyond to increase our loan amount allowing us to retain more money in pocket for our move-in.  Thanks Jeff! "


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My husband & I have used Jeff over the years & in recent for purchasing & refinancing our home.  Jeff is very professional & takes care of business fast & efficiently!  Thanks for always helping us, it's been a pleasure working with you.

Gian & Amanda E.



Jeff is the best lender I have ever dealt with. His knowledge of real estate is invaluable. He answered questions to my real estate problems, that I thought I was going to need a real estate attorney for. The rate he gave me for my loan was great but just the questions he answered for me was a real bonus. I am new to real estate investing, but his 30 years of experience is of great value to me. Do yourself a favor talk this guy and get your answers to your questions and get your loans funded. I am totally impressed and will do business with him again. Thanks Jeff.



Hi Jeff,

You did a great job with my buyers loan.  No hiccups or drama the entire transaction which is rare these days.  You were on your game!  Thanks so much, Julie Smith-Coe (Realtor) at Cal State Realty Services.

:) Julie

 Hi Jeff,

I apologize this email didn't get to you sooner- as you can imagine, things have been crazy around here. I wanted to let you know how much John and I appreciate everything you have done for us- you made this process so much more easier than I could imagine ( I have heard horror stories of how it can go!). I feel God led us to you- He knew I needed someone who I could trust and feel confident in- and you fit the bill to a T. Thank you for doing such a phenomenal job and making US feel confident and easing our minds when we were unsure or unclear about anything that popped up. It makes a huge difference when you work with someone who is knowledgeable and an expert at what he does- you put our minds at ease and made the whole process flow smoothly. Thank you again, and you can be sure we will DEFINITELY be referring you to not only friends, but anyone we hear about that is looking to buy a house.
 Thank you and God Bless You!
 Trisha K.

I am currently a client of Deercreek Financial services, I have been for approx. 5 years now.  I thank God for my Brother-in-law & sister-in-law that introduced me to Jeff & Diana they are wonderful people and excellent to help you with the services they provide.
Joyce F.


Hi Jeff,
 Just a quick thank you for the many years of service you have provided Janelle and I when were seeking  a new mortgage or refinancing our existing rate. In today's business world, where the bottom line seems to be "Make a Sale" at any cost, it is always refreshing to know, that when we walk out of your office, we leave with a sense of TRUST. Over the years we have referred many of our friends to Deercreek Financial and they all say the same thing, "It was really a great experience, quick and easy with nothing hidden or unexplained". I highly recommend Deercreek Financial, to anyone seeking a mortgage or refinancing their present one.
Rick and Janelle V. K.

Hi Jeff,
Val and I have used the services of Deer Creek three times and each time was better that the previous. Great service and follow through, always! I know I have called you a few times regarding fluctuating rates and you're never too busy to take my call, and your advise has always been sound. I have never hesitated to send family and friends your way as they have entered the housing market. Jeff, you run a great shop and I'm positive we'll be doing business together in the future ... as a matter of fact, in exactly 13 months from today!
Steve and Val N.

Hi Jeff,
Hope you and your family are doing well. Were doing great. We really love our home and living here in the mountains. It's like a dream come true for us. Here's our testimony's:

Jeff was highly recommend to us by our real estate agent. Jeff was very easy to work with, because his experience and knowledge made all our transactions go smoothly. He worked with us all through the process of buying our home, and was always available to answer any of our questions. I would highly recommend Jeff to anyone who needs a very good financial representative, as Jeff knows everything there is to know about loans, and what type of loan was best for us.

Patrick & Elaine S.


My husband and I have financed and refinanced multiple properties over the years.  Jeff at Deercreek Financial was recommended to us by a friend after having a bad experience with a loan many years ago.  Since working with Jeff, we have never obtained a loan through anybody else.  There is no reason to.  Jeff is extremely dependable, honest, trustworthy and always timely .  There are no hidden last minute surprises and what he states is in fact what he delivers.  Loan processes can be scary and uncomfortable, but with Jeff, that is never the case.  We are so thankful that we found him and have had the pleasure of working with him throughout the years.
Jim & Susana F.

Dear Jeff & Diana:

When I became a widow, I was scared, confused and realized how ignorant I was in anything and everything that had to do with finances. My neighbor Bobby D. recommended you so much! I decided to give you a visit. You two helped me every step of the way refinancing my condo and insured my security and peace of mind. I will be forever grateful.

Sincerely, Ebe Z.


I want to formally thank you for all of your hard work and dedication in handling my loans over the last 10 years.  Jeff, you are one of the most honest guys in your line of work (that is quite rare – of course you already know that).  You have never told me stories or promised things that didn’t happen.  I’ve admired your honesty and have recommended you to many people, including my family.  There have been times I’ve recommended people to you and they’ve decided to go elsewhere because someone promised them something better that ended up being an empty promise and they were later sorry they didn’t deal with you.  I like dealing with you because you are not only honest, but quite knowledgeable about the world and events.  I have bugged you many times with questions and you’ve never been too busy to talk to me.  You are a wonderful person to do business with, but also an all around good guy. Thank you and I will continue to do business with you and will continue to give you referrals. Take care.

Lisa P. and Jackie C.


Hey Jeff,

We've never met a loan agent that we trust more with our financial needs than Jeff.  He and Diana have always been there for us not just throughout the loan process, but throughout the entire year.  We were in process of signing loan docs & a fax came in informing him of a further rate cut.  He tore them up and redrew the loan docs on the spot saving us thousands!  Thanks Jeff & Diana!!!

Customers for life,

Jeff & Karey D.


I typically do not provide testimonies, but I realize that over 15 years of service from Deercreek Financial, I am quick to refer them to all my family and friends who are thinking about getting a loan.  Perhaps it is because they send me regular information on how to save money on my existing loan, or that they don't charge more than they say they will, or that they always returns calls promptly.  Mostly, it is because of their high standard of ethics.  Jeff Tosha has advised me in the past NOT to refinance, always thinking of the custmer's best interest first.

Kelly K.


Our Family has used Deercreek Financial several times, and we were always very happy with the service.  At one point my son wanted to refinance his home, but Jeff would not do it...  He proved to my son that refinancing costs were far higher than the savings he would realize.  Jeff had a perfect opportunity to take my son's money, but he didn't.
Steve & Kathy W.

We have dealt with Jeff on several occasions when we have needed a home loan.  We were always treated with respect, courtesy, professionalism, and most importantly, honesty.  Jeff completed our loans quickly and without complications.  He brought potential problems or areas of concern to our attention, issues that we were not even aware of.  He made sure that we understand what was happening each step of the way.  Our first experience with Jeff was when we purchased our very first home, about 2 months before we got married.  We had so much going on with the final details and preparations for our wedding.  Things went so smoothly with the loan, we weren't stressed out by the process, because Jeff took care of everything.  We have used Deer Creek for the purchase of our second home and other times when we refinanced.  Each transaction went as smoothly as the first.  Jeff ensured that everything was taken care of.  We have also contacted Jeff on a few occasions when we were considering home improvement loans or refinancing again.  Jeff gave us his honest opinion that was based on what was best for us, personally, not what would be best for his company.  Each time his advice for us was not to get a home equity loan or to refinance, which denied him the opportunity to make a commission, but saved us a great deal of money from fees and costs associated with loans.  We have always felt like Jeff gave us his expertise and we deeply value his opinion.  I would highly recommend Jeff and Deer Creek Financial. Hope you and Diana have a Merry Christmas as we celebrate our Lord's birth. Take care,
 Kellee and Rich S.



 Honesty, integrity, hard working.  All of these things come to mind when I think about the experiences we have had with Deercreek Financial.  Jeff & Diana are the real deal.  We refer folks to them all the time and know that they are in very capable hands.
Brad & Tami M.


Hi Jeff,


Our house did close escrow today.  God is GREAT!  He allowed this to work out today, despite huge odds against it happening.  I wanted you to know it closed.  The seller signed and returned the HOA document this morning.  Sun Trust got the funding done in time.  Title got the wire transfer before 1:30.  Now we are just waiting for the official word from the county, but Laura said it may be late this afternoon.  Fridays are really busy she said.  I can't wait to start making all the improvements.  Rich and I are so thankful for all you have done for us through this process.  We appreciate all your encouragement, your prayers, and your expertise.  You are so amazing.  I am thankful to our Lord that he introduced us to you so many years ago.  You have been a blessing to us.


I pray you have a wonderful weekend.


Again thanks for all you have done,


Kellee S

Jeffrey C. Tosha
Deercreek Financial
Ph: 909-941-0122
10700 Jersey Blvd #300
Rancho Cucamonga, CA 91730 US
Deercreek Financial - BRE ID: 01039943 NMLS 287852 - BRE ID: 00823614 NMLS 287426