Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

We are closing on a house this week and had to share our fantastic experience working with Chris!…read moreFrom start to finish, he made the entire process feel easy and seamless. Chris was always responsive, communicative, and proactive about keeping us informed at every step. He answered all of our questions quickly and clearly, which gave us so much peace of mind during what can be a stressful process. Beyond that, he's just a genuinely personable and kind person, just an absolute pleasure to work with. We're so grateful for his expertise and support, and wouldn't hesitate to recommend him to anyone looking for a smooth, efficient home loan experience!

If you want to have a terrible experience with your loan. This is the right place for you. If you…read morewant to lose the house of your dreams because these guys can't get their shit together, this is the right place for you. If you want to send confidential paperwork via email as if we are still in the 90s. This is the place for you. If you like working with a team of individuals that keep passing the buck and not holding themselves accountable, this is the place for you. Incompetence is the key driver. Be ready for them to let you know they are so busy and it's just how it is with now.

Debi is hands down the best loan officer in the Bay Area. An absolute sweetheart with so much…read moreknowledge and genuinely wants to help. I went through her for my first home purchase as well as Refinanced many times over the years. Simply the BEST at what she does.

Every time I speak with anyone from this branch, they are more than accommodating and kind. I…read morereally enjoy using their services.

So this bank had my review removed that is a real true review…read more I have all the evidence needed to bring it to light that this bank is stealing money from member. My account would always be at a negative balance even after depositing cash into an atm. I brought it to their attention and was sent new atm cards but I was still being charged. The last card they sent I didn't even activate it to see if I as just imagining it or my account as soon as I put money in practically spent itself without activating the new card and I never got checks either. I had my account for less than a year and have NEVER had so many problems with a bank. It became depressing that all my Tip money from my clients, I'm a hairstylist, was feeding this never ending bank account. I made 1 last deposit to bring my account to good standing before I had enough of this cycle then all of a sudden my account was nearly $1000 over drawn, I was locked out of my bank access and have spent nearly 3 my months disputing my account after they have already charged off my account, sent my account to collections, put me in check systems and had a Highly Negative remark put on my credit that ultimately disqualified me from getting an apartment for my self, I couldn't pay my credit card bills without my checking account so now those are late plus added fees due to the negligence of Pacific Service Credit Union. They finally contacted me today, that Jojo bless his heart, he called to say we were able to fix your credit and take you out of check systems, we reversed all fees that you were charged and zeroed out you account. All while holding a grin I could hear over the phone thinking I wouldn't catch that last part..... wait what did you say? You zeroed out my account but I had a positive amount of funds JoJo with a "P" for positive not an "N" for negative or a "Z" for zero but a "P". While I'm grateful for my credit being fixed and being taken out of check systems, P.S.C.U is responsible for my hard earned reputation of on time bill pay being tarnished. You should be held accountable and take RESPONSIBILITY for your (knowingly or not knowingly) actions of theft and then trying to cover it up with not allowing me to log in to the account to calculate everything that was legitimately charged by me. Instead I was offered to be mailed a statement stating they ZEROED out my account. Wow you all should be terminated immediately and as a member still because you keep my saving account open, all of the staff including the president who refused to talk to me, be terminated and the member guidelines be rewriting to better suit the members since we all have shared. P.S.C.U should also be made to pay a settlement fee to cover what they have negligently done to me. It will take time to bounce back from this especially after Covid-19 and not being able to take clients for over a year.

Professional, quick and always available to help and answer your questions 24/7. 10/10 would…read morerecommend Tom.

Completed our refinance with Tom earlier this year. Tom was very thoughtful in guiding us through…read morethe process and helped us get good rate and lender credit. Highly recommended!

I've got nothing but rave reviews for Mike and his team. They have handled a mortgage and 3…read morerefinances for me and my family. In fact, my dad was in the middle of a very slow refinance and Mike was able to get him out of it - at a better rate - and still closed faster than the original. They are extremely communicative, organized, well priced, and they will go out of there way to ensure every question is answered. I recommend them to everyone I know and will use them again if the opportunity arises. This seems like a paid review but I promise it's not. Use them, you will not regret it.

Mike and his team have been tremendously helpful in getting my mortgage refinanced. They are…read moreresponsive, and fight for you for the entire process, no matter how many complications. Like an idiot I purchased a new car in the process of refinancing not thinking how it would affect my debt-to-income ratio. Despite throwing this wrench into the works, Mike's team kept everything moving and still closed the deal with even better financials than originally expected. Cannot recommend any higher.

I feel so fortunate to have found Scott Wise and Reliance financial…read more Reliance Financial had the best rates for a refinance, that I was able to find anywhere. Scott was so patient and available, through the whole process, helping me navigate different rate and lender credit options, answering paperwork questions, and walking me through each step of the process. In my opinion, the only thing more important than a good rate, is a broker that you can trust, who prioritizes relationship building and doing what is best for the homeowner. I plan to use Reliance for every refinance or home loan I might ever need in the future, which is a great peace of mind. Thanks again Scott!

Lucky, Scott and their whole team is wonderful !!…read more I've worked with them for new house purchase as well as the refinance and had very pleasant experience working with them. They are very knowledgeable, professional and helpful. They kept me informed during the entire process. I would definitely recommend them for anyone looking for buying a home or refinancing existing loan.

Absolutely wonderful. We worked with Jocelyn to buy our place in san francisco and it was so much…read moreeasier than i thought it was going to be because of her. She really understood what we were looking for and honestly helped us find things we didnt know we wanted. Was an incredible help navigating the neighborhoods of SF and knowing what the good areas are and what the nice up-and-coming ones are too! If we sell the place sometime in the future im definitely coming back to her! Sure responsive, super helpful, and super knowledgeable. Totally deserves a 5 star review

I used Jocelyn as my mortgage lender and as my broker. Jocelyn grew up in the area so I trusted her…read morelocal knowledge of East Bay for my home purchase. I learned a bunch working with Jocelyn. She was patient as I incessantly asked her questions night and day. I was also surprised at her expertise in market psychology, as she knew the demand for particular styles of houses and what they would go for. I was able to get my offer accepted and not overpay based on her insight. Her experience shows when walking homes and she's able to calculate rough renovation estimates on the spot. Jocelyn is a knowledgeable and honest broker - highly recommended.

Thank you Team Excel Realty. You guys are awesome!! Shawnacy, Louisa and Nick it has always been a…read morewonderful experience working with you all. Very professional and knowledgeable in the whole process of getting us into our dream house. From the hunting to the final walkthrough you guys helped us on every step towards the approval and closing. OMG Louisa! You have exceeded our expectations by sending us the beautiful canvas artwork for my daughter's room and also the family name printed on the canvas we installed at the entry door. It looks great! Thank you again for making this all happen and we are looking forward now on our future investments with you guys:) The Kumar family.

it will cost you a lot to sell and buy your home in the Bay Area from Bay Area inflations from…read morerealtors. You will have options. I would recommend to talk to 3-5 agents and really discussion on step by step procedures. And picking your best options. Real estate agents, don't go with convieneces. Make sure every thing is documented and recorded and have assistances if you are working with this company. I didn't have a good experience here, and this review is written by a real customer. This guy staff disrespect me. I feel not well this company's.

We are incredibly grateful to have worked with Scott and Lisa as first-time home buyers in San…read moreFrancisco! As a top mortgage broker, the Hill Mortgage team has an incredible depth of knowledge regarding the entire process and helped us with a personalized approach towards a loan that fit our specific needs. Additionally, Scott and Lisa stood out with 1) comprehensive 1:1 consultation with us as first-time home buyers, including an orientation on the process and fundamentals of purchasing a home and securing a mortgage; 2) proactive work ethic and always two steps ahead in every step in the process with frequent check-ins (personalized and highly informative video updates, coordination between agents and lender and title company, etc); 3) timely communication and availability with any important or basic questions; 4) incredible ability to close on a tight timeline, while we were on an overseas trip. We would love to work with the Hill Mortgage team again for any selling or buying needs; anyone working with the team would be incredibly lucky!!

We just refinanced our home for the first time with Hill Mortgage and had such a great experience!…read moreScott & Lisa are super efficient and easy to work with. Scott sends personalized videos (with visuals!!) instead of scheduling meetings, which is perfect for busy people like us. Everything was explained clearly and felt simple and stress free. One we locked in our rate, Lisa took over with daily updates, quick communication, and made sure everything stayed on track. Their secure online document portal made uploading documents super easy and organized! I would absolutely recommend Hill Mortgage. We are already looking forward to working with them again once rates come down again.....

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!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.