Mike was exceptional to work with! I was in the process of finding a lender and was referred to him by my real estate agent. I had been in communication with separate lenders through big banks, but due to the pandemic, their guidelines made it almost impossible to find a reasonable loan. I was almost ready to give up on the home mortgage loan application process, but Mike made this process go by with ease! Mike was efficient and extremely quick to respond to all of my questions via email. He was very organized with his checklist of documents needed to start the application process. As soon as my documents were submitted, he was able to find a lender who offered me exactly what I was looking for. The entire process went by quickly, as he was able to close in record time: three weeks! As an added bonus, Mike even covered the lender fee! I was very lucky to have had such a great experience with Mike as my broker! If you're in the market for buying a home and need a broker, please do not hesitate to contact Mike at Ascend Mortgage! read more

Mike helped me finance my current home years ago and has also handled two refinances for me. His commitment to service has always been top tier and I can't recommend Ascend Mortgage enough. One thing that really stands out to me is the great communication throughout the entire process. Thank you Mike and staff, always a pleasure! read more

Mike is the real deal. I have referred and used his services many times. The communication is key and quick responses. If you are seasoned and dealt with financial institutions and know the hassle, lack of communication, errors in your needs, and having you feel like a number file.....yup then Mike is for you. The process is a drag but when you have someone who is on top of their craft you don't need to worry to much you almost forget this is happening very smooth every time even though snags come up Mike has the answers and process down perfect. You will not be disappointed. read more

My wife and I were referred to Mike from a close friend. We went through our first refi just 6 moths ago. Mike said he would reach out if he thought we could better our situation, and he did. Mike made everything so simple. Mike has a great way of taking care of you without the hassle. Mike really cares about what's best for you and your overall outlook. I could go on and on... Do yourself a favor, give Mike a call and after 5 minutes you'll realize you're in the right hands. read more

I was frustrated working with mortgage brokers such as Loan Depot/Rocket Mortgage. I felt I had fallen into a numbers game. I found a local broker Mike Youssef who is personable and found time to listen to my concerns He took the time to explain how the process would work and made calls to move things along with the lender. We have just closed on a second home and working to refinance an investment property. I just sent my sister his contact information. read more

It was a pleasure working with Mike and his staff. It was convenient and close by so the process was pretty seamless. My wife and I would certainly recommend them to other customers seeking new loans etc. He also said he would monitor the market to see if he could save us even more money in the future with refinancing. Thanks to Mike and his staff at Ascend Mortgage! read more

Mike Helped us to get great deal with the refinance of our house. he was very helpful and trying to find the best option for us and he was very helpful educating us about the different options. I recommend him with 5 stars for all his effort and communications read more

Mike saved my house and my secured me with financial comfort with the refinance he set up for my property. I was stuck with a high interest rate, and as a single mom, I was strapped in every way. Mike never let me feel hopeless and guided me through every step and made sure I got the best rate out there. He was incredibly patient and the biggest cheerleader. On a professional level, Mike has a network of people who helped get me great rates on other aspects of the house such as my insurance. I was paying two times the rate he found me!! Simply put, I trust him. Trust in the business world goes a long way. He is honest, patient and works round the clock and is unbelievably credible. read more

I worked with Michael after finding him via yelp. He is consistently organized, knowledgeable and responsive. Getting all the paperwork gathered is a definite hassle and Michael was way better than I was keeping it all straight. He has been calm and reassuring despite some last minutes hoops with the lender. I am grateful for his service. read more

Thrilled with my decision to work with Mike. I stopped his office in San Mateo and he was amazing. Answered all my questions day or night and worked with me until the time was right! read more

Mike from Ascend has always been responsive and keeping me up to date on the status of our loans. Great guy and have done 3 refinancing loans with him over the years. read more

Ascend Mortgage is a group of excellent real estate professionals. We worked with this company twice. Michael Youssef is a creative, hard working, honest, and personable agent. More importantly he is extremely knowledgeable. It was a pleasure to work with this company. read more

As a first time home buyer, the entire process would have been overwhelming. But...Mike (who I believe is the owner, but also is the agent/broker) was a complete professional. He really treated me like a friend throughout the experience. He explained every detail in layman's term so my wife and I would understand. More importantly, he was very knowledgeable in the peninsula area, which actually led me to a home we bought in San Carlos. (we couldnt be more happier with the location). If nobody knows....today's market is soooooo competitive in the peninsula right now. I truly think Mike was the reason we got the place, based on an offer he had to present to the selling agent. We were able to get in super early to present our offer, and got the house!!! Even when the lender took a few extra days to close, he went above and beyond to ensure I was taken care of with my living situation. I'm actually in the process of re-financing already, which is why I am writing this review. Mike called me to let me know I could save $300/mo based on the rates today, versus what I had back in July. I know he probably makes commission, but this kind of pro-activeness to help us is really admirable. I would specifically recommend Mike from Ascend for loans or as your real estate agent. read more

Michael at Ascend Financial Mortgage is AWESOME!!!! Professionalism from beginning to end. Mike listened to our needs and over delivered. He found my family a beautiful home. 6 months later we re-financed. The whole process was smooth and easy. Mike is extremely knowledgeable not only on the Lending industry but also on the Bay Area markets. Michael is my go to guy for all my mortgage/ re-fi needs. read more

Michael worked closely with me to help my family and I secure a home that is had everything I wanted with the potential to act as income property or accommodate my growing family. He worked with my budget and was very patient with my indecisiveness, kept my updated with potential homes and looked into any homes I sent him. He made the process easy from start to finish without making me feel pressured!! I'm definitely working with Michael and Ascend in the future! read more

Mike Youssef is honestly a rock-star realtor. He is attentive and knowledgeable, and just all around a great guy to work with. He helped my wife and I with our first real estate purchase while working around our very backward schedules. He is one guy that takes care of both the Real Estate side, as well as, the Mortgage side. Which makes the process a lot easier. I was referred to him from both of my brothers that used him to buy their houses, and would definitely refer others to him in the future! read more

Second time refinancing two properties at the same time with Mike and team. Great rates and excellent communication.

If you need a mortgage definitely see Mike. Being a broker, he has access to WAY more products/institutions than banks or CU's, and working with him is actually easier than all the online-based brokerages. Working with Mike, you really get the sense that he is treating your mortgage as his own, meaning you can be absolutely sure he'll find the best product for your needs. Then after securing a great mortgage, he makes the entire process complete painless. It really was the best of both worlds - great deal on a mortgage (rate, closing costs, etc) with a personalized, VIP experience. My only regret is not working with Mike sooner. I highly recommend seeing Mike for all your mortgage needs. read more

Mike is the best Im a first time home buyer and the process was so overwhelming but Mike made everything super easy for me i would definitely refer his services to anyone looking to buy a home mike also helped my grandmother sell her home and she said she was very happy with what he did for her this is not going to be my last time utilizing Ascend mortgage and Arise Realty to purchase real estate or modify my loan Thanks Mike read more

Just finalized a refi during the pandemic. Thanks to Mike and team at Ascend! Mike was able to help drive this process as best as can be! Mike and Myrna were very attentive to my questions and advice as we steered through the requirements especially during this pivotal time-- As all processes were done safely. I highly recommend Ascend for servicing loans and real estate in the great bay area! read more

Mike Youssef helped my wife & I purchase a home recently. More importantly, he'd worked with us diligently and patiently, for 2 years, until we found the right home. I'd recommend him & Ascend Mortgage without question. He has also helped a few of my close friends purchase their homes. In fact, they'd recommended Mike to me. read more

Mike has done a few loans for me in the last 10 years and just did another. Mike works extremely hard at finding the best option for the situation, he gave me the options and told me the pros and cons of each and followed through till the end. He will always be honest and tell you straight. I will always recommend Mike, he goes above and beyond to get the loan done. JC read more

Just completed a refi with Michael at Ascend Morgage and everything went really well. Got a fantastic rate on a 15 year loan and ended up paying nearly no fees. Everything went smoothly and I'm we are saving money with the new loan. I highly recommend Ascend! read more

If you are looking for a mortgage loan or to refinance an existing loan then Michael is your guy! Michael is highly experienced and very professional. He kept us well informed throughout the process and secured an excellent rate for us. Michael is very accessible and was very responsive to our emails or phone calls. The whole process was truly effortless. read more

My family and I have worked with Mike now three times. We never have a bad experience and look forward to the instant response from Mike and his team. We always go to Mike first when an opportunity arises and will definitely use again in the future. read more

Michael at Ascend Mortgage was great! We found him through word of mouth by a friend of ours who highly recommended him, as we would do the same for our friends. We recently refinanced through him and he was able to get us a great rate. He is very professional and efficient. He was able to answer any questions we had right away via email at all hours of the day; mornings, nights and even weekends. With our crazy schedules, he was able to set up an appointment with the underwriter to come to our house at 10pm! We appreciate this effort very much! Michael is also extremely knowledgeable, as mortgages are extremely confusing for most of us :) He does a great job organizing and outlining all costs of your loan in an easy-to-read & understand front cover page of your loan documents. Everything can also be read and emailed to you online. Very convenient! Thanks to Mike, this process of refinancing can be done easily! :) read more

Mike helped me refi my house! His patience and knowledge are unmatched. My new monthly mortgage payment is now less!

We were absolutely gifted to find Mike. Being self employed and in a situation making it impossible to get a loan from a bank, Mike got us an incredible refinance with much better rates than what the big traditional banks were offering. His services is top notch! He has always answered our calls including evenings and on weekends. He genuinely cared strongly to help find the best loans available and guided us every step of the way. There was never a time where we did not have our questions answered and he would always look for the best options to suit our specific needs. Now I would say that it rare, which completely describes Mike. We strongly recommend him without any hesitation to all our family, friends, and to anyone that is looking for an honest, hard working mortgage broker. Thank you Mike for all that you did and for all your patience working with us! read more

Two years ago Mike at Ascend helped me locate and purchase my first home. And now, most recently, he helped me refinance that same home. Mike made both experiences less stressful. He goes the extra mile to help and provides great services. I will certainly use Ascend Financial again in the future for their services. read more

We had the pleasure of working with Mike for a couple of years now and he has been given us great advice. When the house market crashed he was able to short sale our home before it became foreclosed. Now we have been lucky to buy a new home with Mikes professional knowledge, especially in this competitive market we are in. Mike has answered all our questions, addressed all our concerns and has always been quick to respond. He has provided us with useful tools to find our dream home. We can't thank Mike enough for having been so patient with us and guiding us every step of the way in our short sale and buying our home. We would highly recommend him to anyone that is buying or selling their home! read more

Ascend Mortgage deserves a 10 out of 10 stars!!!! Mike, Owner/Broker, was awesome. As first time home buyers, the process of buying a home can be extremely confusing, but Mike made the process smooth, simple and easy to understand. He not only jumped through hoops to lock us in at the best rate, but kept us informed on a daily basis, multiple times a day in fact, on the status of the loan and other info needed to ensure we could close on the property in 30 days. He is extremely organized, professional, and more importantly follows through!!! When we had questions and/or concerns, Mike always responded in a timely manner with honest answers and great advice. My wife and I are truly lucky to find Mike and Ascend Mortgage. We now have peace of mind when it's time to refinance or purchase our next property. I would recommend Ascend Mortgage to anyone looking for a mortgage loan or refinance. One more advantage to consider....Mike is also the owner of Arise Reality, and represented us when purchasing our new home. Check out the reviews for Arise Reality. Thanks again Mike!!! read more

Mike did a great job with helping me refinance my house and was able to lock in a great rate. He guided me thru the details of the loan process and I can now enjoy a nice savings - thnx Mike! read more

i went through a refi a few years ago and now that home values were up and rates were relatively low, it was that time again! i contacted Mike based on the yelp reviews and thought this is too good to be true. FALSE - he is just that good!!! everything he said he would do was done and we closed in record speed. his knowledge, experience and professionalism immediately saved me time, stress and $$$. during our time of working together, i called/emailed often (sometimes waaayy too often) but Mike never made me feel as if i was a bother, clearly explained questions i had and delivered on every promise. i've already recommended him to family + colleagues and certainly plan to utilize his service again without hesitation. read more

I always believed in "Right People, Right Place, Right Time". We were so fortunate to have found Mike at the right time. We are now a proud house owner, in the bay area, because of Mike. He was a phenomenal agent! His dedication to finding us our first home was more than we ever expected. He was always on our side working to make our house purchase as simple and successful as possible. The best part about working with Mike was that he was always more focused on answering our questions, giving us good advice, and finding homes that met our needs than he was on closing a deal. I would like to thank Mike for his incredible patience with me. Throughout the past several months, Mike has been there every step of the way. He has always answered every call or email no matter what time of day or night it was. His professionalism, mentorship, knowledge, honesty, and hard work ethic are much respected and appreciated. I never felt that he was just trying to sell me a house, but that he was a mentor to answer my questions and help me to make the best decision for my family. The best part is that we now have a new friend, I now consider Mike a friend, - a friendship that will continue to grow!. I would highly recommend him to anyone that is searching for a new home, and will continue to share his name with our friends and family!. I will be glad, at any time, to refer Mike to anyone who is seeking a home in the bay area.Thanks again to Mike for being such a pleasure to work with. Keep up the excellent work Mike and THANK YOU. read more

We have been in our home since 1998 and re-financed about 7 times since then. This is the best experience I've ever had with a mortgage broker. The reasons I had a great experience were the short timing of the whole process, great communication with the owner (Mike) and the comfort in feeling I could trust his knowledge and integrity. Mike is now my go to guy for any re-finance processes. If you're thinking about re-financing call this guy now.... read more

I had so many reservations about going through a refi and didn't know what to expect. Michael Youssef at Ascend was so patient and knowledgeable that the process was pretty painless. He and Kricket were both very thorough and Mike always looked for the best rates possible for us. Even when it meant waiting a few months and following up with us when he found a better plan. If you're busy, he's great at working with you online so you don't have to spend a lot of face time in his office. As a busy parent, I was appreciative of that detail. I would go back to Mike in a heartbeat and will absolutely recommend him. read more

We've refinanced with Michael, a couple times in the last several years. Every time we don't think rates can get any better, then they do. Every time has been smooth and easy. Michael takes care of everything. read more

The whole process of refinancing can be so daunting but Mike and ascend Mortgage made it look very easy. We were not sure if we would even be approved since I am a sole proprietor for the past year and a half but Mike made it happen. We are happy we locked in our rates for 30 years and no more interest games the only time we go back to Mike is when rates go down again! Here is the best part, the loan officer messed up on a document at the last minute and I had to pay out of pocket for a small fee and Mike reimbursed the fee promptly. I strongly recommend to anyone looking for a refinance, look no further just call Mike now. read more