Highly recommend working with Stacy to help with your financial journey! Stacy does not judge you…read morefor being in a financial disaster, she just walks you through the journey to financial freedom. I left my job and have been unable to find full time work. Without having worked with her 3 months prior to this, I would be in a very different place. Thanks to her guidance, I have not accumulated any additional debt during this time and had enough money in savings to help me through this difficult financial period. Stacy is always encouraging and positive, as well as organized and detail oriented. The first task I had to do was go through my spending for the 3 previous months. This was very eye opening for me which gave me the motivation I needed to get out of debt. Yes I've slipped, but Stacy just reminds me of what I have accomplished and will accomplish. You will not regret having Treasure for Tomorrow helping you find financial freedom!!!

David Espinal showed very poor professionalism when our refinance didnt go through. He knew of our…read moresituation and continued to push the refinance through trying to make us cover up a few things. Not sure how ethical his practices are, but we ended paying for an appraisal that we didnt need( which is another story). His final response was very snappy and had a lot of attitude behind it. Which was very unprofessional and immature. When we first requested an appraisal, we didnt want the appraiser to come inside the house and he told me it was mandatory to come inside the house. When we were decided to scrap the appraisal, david decided to devalue our home so he could waive the appraisal. Thinking we had cancelled the appraisal, they went ahead and did a drive by appraisal. Im not sure what changes between the time it was mandatory, to when David devaluing our home to waive the appraisal, to them actually doing the appraisal without going inside. Everything seemed fishy. ALSO I NEVER RECEIVED A RECEIPT FOR MY APPRAISAL. His actions and responses in our refinance process has made our experience with this company an unpleasant one.

I would like to highly recommend Bayview Residential Brokerage, they helped my wife and I with a…read morere-finance on one of her family's properties. Over the years, her family has used their services to help finance our real estate purchases and refinances and they consistently provide excellent rates, terms and loan programs and great service and I thought it was about time that somebody give them a little credit for all the good work. At Bayview's website (www.bayviewresidential.com) they say that they can work with over 70 lenders and they have a lot more options than the big banks. The loan agents we have worked with at Bayview are incredibly knowledgeable and accessible, evenings and weekends and sometimes even at dinner. These folks really know their stuff and make the the whole process smooth and easy to understand. You can reach them at (408) 298-2591 or at the website (above)

I'm a REALTOR and I've done dozens of transactions - at least! - with ORTC and it's always been…read morefabulous. But I just tried to bring them another transaction to the Los Gatos office, and they completely bungled it, I had to move the escrow to another company. I'm not sure what's up with this office, but I won't be bringing any more transactions there anymore. Fool me once, shame on you...fool me twice...well, you know. :)

Awful experience using this branch…read more To begin with, our officer Jennifer Morgan made multiple weird errors in our initial escrow quote, and we had to request edits multiple times. During the process, there were at least two instances of Jennifer informing us of due dates/timelines after the point we could act on this information. I'm not sure how she considers telling us about deadlines after we've already taken actions and it's out of our hand an effective approach. Most egregiously though, during the process Jennifer emailed our escrow paperwork, including personal details, to an unrelated third party. I had to be the one to notice it, at which point Jennifer acknowledged the error but took no steps to correct it. I called in and spoke to the manager, Shelly Kirk, who seemed helpful on the phone and said it would be handled. Without going into details, the attempt to fix the issue wasn't foolproof, and when I pointed this out they said they'd pursue the matter. Over a week later, they've clearly dropped the issue. A major privacy violation with no sense of urgency to resolve it? That's a HUGE issue for a financial service branch. Highly recommend you take your business anywhere other than this business if you want any amount of professionalism, attention to detail, or to be treated like an actual customer instead of just a source of money for little effort.

I would not recommend working with Opes Advisors. They made the first time home buying experience…read moreunpleasant and more stressful. I worked with Zoe Sanchez. As a teacher I get paid monthly and my employer incorrectly gave Opes my income divided by a 10-month income payment schedule instead of a 12-month income payment schedule on my verification of employment earnings paperwork so my income looked higher than it was, which was not their fault, but Opes was unable to correctly verify my income despite having W2's, paystubs, tax statements, etc., which proved my income in plain sight, and they qualified me for a loan that was above my debt to income ration. I did not find this out until the final week of closing escrow. In the final week before closing they called me and said I either needed to pay all of the mortgage insurance upfront which was 7K+ dollars, or come up with a 20% of the total cost down payment to qualify for the loan and get to the appropriate debt to income ratio. At this point I had already released my contingencies so the previous owner was legally able to keep my deposit I had already placed of $40K if I did not come up with these additional funds. After 3 days I was able to secure enough funds for the 20% down payment from family, but Zoe said it was too late to apply the funds to the down payment and I would have to pay the mortgage insurance, which was a bad deal for me because that money would not go to my principal and interest. She was adamant that it was too late and this could not be changed. Then 2 days later she miraculously said I could and and gave no reason as to why the change was permissible all of a sudden. I increased my down payment to 20% and then I get a call from her saying that they have to increase my interest rate from 4.1% to ether 4.375% or 4.5% with a lender credit because I no longer qualified for my locked in original interest rate due to the increased down payment, and again they could not provide legitimate reasons as to why they had to increase my rate and were rude and unsympathetic, and seemed annoyed in explaining the process. I also took a $75 home ownership course which Opes required for my original interest rate program which was now no longer needed for the higher interest rate. Due to all of those instances I had to extend my close of escrow twice and pay the seller $100 per day of extra closing time after the second extension. To top it off, when I went to sign the final disclosure paperwork at Old Republic Title Company Opes had incorrectly filed my paperwork with the wrong date and we had to come back 3 days later the following Monday to sign the paperwork again, an hour drive from my house each way. I found them to be disingenuous, incompetent, lacking in customer service, and would not recommend them, nor would my real estate agent who was shocked and disappointed by their service as well.

We worked with Christine Meserve to purchase our last few homes and she is an absolute delight to…read morework with! She helps you through the process and makes it easy for you. She's delightful and calm in a storm! With all the new lending rules it can be difficult, but she makes it a fun experience.

This review is long overdue. Bryan has helped my parents with numerous real estate transactions in…read morethe Bay Area over the years and has always been amazing. He is very competent and knowledgeable about the legal aspects of buying/selling/refinancing homes. He takes the times to explain choices and is thorough. He has always been unfailing courteous and patient with my elderly parents, and they rave about him. I recently reached out to him for help on a refinance that he was not personally involved with, and he did not hesitate to assist me. I would highly recommend Bryan!

Bryan is just simply amazing. I don't think you can get his expertise with any other loan officer…read moreor agent helping you navigate the crazy bay area housing market and home buying process. He has become our family go to person for mortgage and refinance needs and has become a family to us as well. My husband and I reached out to Bryan for getting a mortgage for our first home. He is just so good at what he does having decades of experience in the field. You could not find a better expert. He is a true professional and a pleasure to know and work with.

Christine and her team take their time getting to know each of their clients and their specific…read morefinancial needs and then basing their investment strategy on that. It is refreshing to know that they are watching out for us all the time!! We are grateful for their awesome service!!!

Christine is incredibly knowledgeable and approachable. Her methods helped me reach set goals for…read moreplanning for the future and surviving this pandemic. She really listened to me about my hopes and concerns. I highly recommend her services.

Can I just say "WOW"!!! Jennipher is an outstanding financial adviser! I met with her to discuss…read moresome investing strategies and making some possible changes to what I am already doing. She advised me how I can manage my own investments with very little time commitment and for a better yield with my returns. She took the time to go over everything thoroughly (read: patient!) and in easy to understand ways. I felt encouraged and empowered to handle my finances in a more dynamic and educated way. I highly recommend taking some time to talk with Jennipher!

Jennipher, owner of Wildflower Financial, is amazing. She helped me to fully understand what my…read moreoptions are and explained the best options for me given my current financial situation. She is extremely knowledgeable and patient. I really felt like she had my best interest at heart and was honest and personable. I would recommend her to anyone seeking a financial planner!

I believe Kate is different than the average realtor because she puts the client ahead of herself…read moreand she will do everything and anything she has to do make your home loan dream come true in the least stressed way possible!!

Kate helped us get into our first home in novato. She worked so hard and explained everything in…read moreterms we could follow along with. I don't think we could have gotten our house without her expertise along the way. I highly recommend her for any loan service. She also helped us refi a few years later when the rates dropped and beat every other offer we had. We ended up moving away to another state and wish we had a kate for that home purchase too.