I worked with Mike and Andrew on a complex refinance that allowed me to become the sole owner of…read morethe San Francisco home I've loved for more than 15 years. The transaction involved a number of moving parts, including a co-owner buyout and my transition from salaried employment to self-employment. Mike and Andrew were excellent throughout the process. They were responsive, patient, thorough, and calm, even when there were tight deadlines and a lot of documents and logistics to coordinate. They understood that this was more than a standard refinance and treated the transaction with real care. I always felt that they were working hard behind the scenes to keep everything moving and make sure the loan closed on time. They made a complicated and emotional process feel manageable. I'm extremely grateful to both of them and wouldn't hesitate to recommend their team to anyone looking for a lender who can handle a more complex situation with professionalism, persistence, and genuine care.

Mike was incredibly helpful and knowledgeable - would highly recommend him for your lending needs.read more

Jay was excellent in helping us with a no cost refinance at the best rate possible!…read more He was proactive in reaching out to inform me of any favorable rate changes and was even able to help me float down the rate AFTER rate lock when I noticed there was a sudden big rate drop before we closed on the refinance. He was on top of things and communicative thought out the entire loan process. I would highly recommend him to any family or friends and would definitely goto him again for any mortgage loan needs!

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Alexandra Moari is exceptional. I live on the East Coast and needed someone I could trust…read morecompletely to manage my California home, and from the very first phone call, I knew I had found the right person. Even though I called at a terribly early hour by mistake, she answered with professionalism, energy, honesty, and total clarity. She handled everything with remarkable care and efficiency: preparing the property, coordinating details, marketing the home, communicating with prospective tenants, and carefully vetting applicants until she found the perfect tenant for me. Throughout the entire process, she was responsive, thoughtful, knowledgeable, and incredibly organized. Every question I had was answered quickly and intelligently, and every step was handled with real attention and care. What also impressed me was that Alexandra does not work alone. She has built a strong team around her, and that makes a real difference. Joseph and Mariana were part of that larger sense of professionalism and support, and it was clear to me that Alexandra has surrounded herself with capable people who help things run smoothly. She also has reliable handymen and other professionals at the ready, people who can step in quickly, fix problems, prepare the home, and make things happen without delay. That kind of network is invaluable, especially when you are managing a property from across the country. What truly sets Alexandra apart is her integrity. She is honest, hardworking, deeply committed, and truly represents her clients well. As an out-of-state owner, that gave me enormous peace of mind. I feel incredibly fortunate to have found her. She is now my property manager, and I would not trust my home to anyone else. Highly, highly recommended.

It was a pleasure working with Alexandra from start to finish. She is incredibly professional,…read moretimely, thorough, and truly a problem solver. When a challenge arises, she doesn't just identify the issue--she quickly works toward a solution, often finding creative ways to keep things moving forward. What stands out most is how much she genuinely cares about her clients and the people she works with. She is responsive, collaborative, and committed to creating a positive experience throughout the transaction. I would gladly work with her again and highly recommend her to anyone looking for a knowledgeable and dedicated loan professional.

I'm not exaggerating when I say Steve was our golden goose in our home-buying process. He secured…read moreus a 30-year mortgage rate that retail banks gawked at - no one was able to match it. As we excavated our finances, we threw him plenty of curveballs - and Steve handled every one with total precision, structuring our loan flawlessly. As first-time homebuyers, we had a lot of nerves and a lot of questions. Steve was endlessly patient, clear, and always available, which made a stressful process feel surprisingly smooth. We had a 21-day loan contingency over Christmas and New Year's, and multiple banks told us it was impossible. Steve didn't just meet the deadline - he closed early. And the real mic-drop moment: we were up against a cash offer. The seller's agent knew Steve and knew his reputation for always closing. Because of that, our offer was considered the more reliable choice over cash. Steve is the reason we got our dream house. Hands down.

Steven, Has definitely saved our bacon when we needed…read moreresolution to a potential problem. He is creative, diligent, and took great care of us. He answered all our questions and was quick to give us a solution. I would recommend him to anyone.

I've been a customer since I was a teen when the bank was still Astoria. I hadn't been using the…read moreaccount in a while and PayPal ended up using my bank instead of my preferred payment method credit card. I had an overdraft of $5.00 By the time I received the notice over a week later, the fee had doubled to $70 I went in there asking for them to forgive one of the fees. We are after all in the middle of a pandemic and I had technically been with the Same bank for 20 years! Well, they would not give me the courtesy. I paid my $70 fee and closed my account.

I hate this bank so much. It's not any one thing, it's a combination of little things that makes…read moreit hands down the worse bank I ever banked with. I have a loan with them and every December they'd send me a letter accusing me of not renewing my home insurance and they had to buy emergency insurance for my home and I had to pay them back. Of course I did no such thing and letting them know is always a big adventure - I had to contact my insurance and get the proper document then fax it to them and they never receive it. I'd then email it to them and they never receive it. I usually have to flag down somebody at Sterling, alert them to my situation and send that person the document. Repeat this process yearly at Dec when many employees are out. Then there is the thing with the ATM where every cash deposit is also an adventure. Many times it just flat out say: Sorry we can't accept your deposit; and left it at that. I don't understand why a bank would be so oppose to taking my cash but ok. Then there is the mystery of sending me my verification code. You might think - texting me verification code is a simple process, no? Eh, but Sterling doesn't text, no, that'd be too easy - they literally call my phone and tell me my code. Which is not a biggie but it gets annoying because every time I log in or do any transaction, it calls me. I makes me wonder what happens if the client has a hearing problem?

Guarantee Mortgage has been around for many years. They have a basic easy to comprehend website. It…read morelets you know in northern california their offices are spread out and discusses the type of programs available to potential clients. They are a good lender to work with. I have worked with them in the past and found them to be a useful tool.

Julie is amazing. When buying our first home together, we initially planned to use our bank, but…read moreour realtor recommended her. After speaking with both Julie and our bank at length, it was apparent who to choose, and we never second guessed ourselves. Julie was very thorough and helpful throughout the process, managing to explain all of the steps, while not over burdening you. She makes sure to focus you on the important / sensitive items and ensures nothing is missed. Julie communicated everything well along the way, and was available for any questions that arose. We easily closed our home in the agreed 21 day timeframe, and the loan was actually ready to close early if we wanted. And of course, she got us a great rate too! If buying another home, we will definitely use Julie again and strongly recommend.

Jennifer just helped me close my loan. She and her team were on top of things the whole way and we…read moreactually managed to close a few days earlier than the expected closing date! I could not have had a happier loan experience. I heard so many horror stories from friends of mine and I was a little nervous at first. However, Jennifer assured me from the start that she would make the process smooth and easy and she delivered. She was very patient with answering all my many questions. I was a first time home buyer so I had A LOT of questions along the way. She also gave me a timeline of all the different stages of the Escrow process, reviewed all my documents before sending them to the underwriter and gave me a breakdown of all the final costs so there would be no surprises at the end. Whenever I had question and sent her an email she would always get back to me in a few hours. It was nice to work with someone so responsive especially during the time critical escrow process. I am so happy I used Jennifer as my loan agent. I can't imagine the process going any smoother than it did. Thanks Jennifer & Guild!

Was recommended to Jen by a friend, and as a first time home buyer, couldn't be happier. Jen was…read morepersonable, responsive and thorough. As other reviews mentioned, she can accommodate quick turnarounds as well, which is crucial in the Bay Area's competitive market. Jen made the home buying process a lot less stressful. Would definitely recommend!

Mike was really wonderful to work with. My husband and I have worked with many many different…read morebrokers in the past and he is by far the best. He is responsive, honest, informative, and clear. He got us a great rate for our refinance and made the whole process smooth and painless. He really is a pleasure to work with, and I plan on using him as our broker and real estate agent for the next house we buy or refinance.

We've worked with Mike Khunis at New Marina to buy our first house in Mountain View about 3 years…read moreago; and most recently a house in Millbrae. We also went through him for a first morgage, a refi, and now the mortgage on the new house. There are 2 great things about buying a house with Mike: 1) he is both a buyers agent as well as a mortgage broker 2) he is very email friendly, and can work with you via email for 90% of the homebuying process This has made it very easy for us to buy a house. We described what we were looking for, he periodically emailed us MLS listings, and then we toured the ones we liked. Once we found a house we wanted, Mike emailed us all the forms, we filled them out and faxed them back, and he took care of the rest, but always kept us in the loop on the process. Since he's a mortgage broker, he's was able to move fast with the loan and coordinate the whole buying process easily. He's also very detailed oriented, efficient, and is a pleasure to work with. We don't plan on moving again for a long time to come, but if we do, I know the first person I'm going to call to find a new house!

Vincenzo is a miracle worker! He helped us through a complex, sensitive refinance/cash-out process…read more He smoothed out the kinks that kept coming up & was always positive & professional. We give him our highest praise & highly recommend him for any real estate transaction. 10 stars to a real star! A & D Wong, San Francisco & Hawaii

My husband and I have been working with Vincenzo for over 6 years. He has helped us purchase our…read morehomes and helped us refinance. He is truly the very best. Honest, trustworthy, full of knowledge, meticulous, quick to respond and gets the job done! He is highly recommend. Thank you Vincenzo for all you do.

Brenda Wyatt and The Wyatt Team made buying our first home an amazing experience for my wife and…read moreme. From the very beginning, they were professional, responsive, and genuinely cared about helping us become homeowners. One thing that really stood out was that they were able to get us pre-approved without a hard credit pull, allowing us to start shopping for homes while protecting our credit. Their secure third-party verification for employment, income, and tax documents made the process incredibly simple. Everything was organized, modern, and hassle-free, and we never felt overwhelmed by paperwork. Throughout escrow, Brenda and her team kept both of us informed every step of the way. They answered all of our questions quickly, explained everything clearly, and made what could have been a stressful process feel smooth and easy. Their communication, professionalism, and attention to detail were outstanding from start to finish. Thanks to Brenda, Dejon, and The Wyatt Team, my wife and I are now proud homeowners, and we couldn't be more grateful. They truly went above and beyond to help make our dream a reality. If you're looking for a lender who is knowledgeable, honest, efficient, and genuinely cares about their clients, look no further than Brenda Wyatt and The Wyatt Team. We will absolutely recommend them to our family, friends, and anyone looking to buy a home. Thank you, Brenda and The Wyatt Team, for making our dream of homeownership come true. You have earned customers for life!

if I could give more than five stars, I would in a heartbeat. You would be making a big mistake to…read moreuse anyone other than Brenda for a home loan. Brenda and her team are absolutely amazing. This is the fifth house I've purchased in my life and this was the first time I didn't panic during our loan underwriting. Outside of this experience, closing on time always felt like it was at risk. This time, we had 3 week close and actually closed a few days early. Brenda was extremely proactive, communicative, and responsive. We could not believe the seller went with us despite not come in with the highest offer. We were told through their agent one of the reasons they accepted our offer was because of Brenda's reputation. You can't ask for more than that