We have worked with Jay and Chris a couple of times now, and they are always consummate…read moreprofessionals. We have been very happy with the mortgage refinances they've handled for us. They are diligent and responsive to our concerns and never fail to get back to us promptly to handle any questions and provide thorough information about the process and status of the loans. We recommend Jay without any reservations whatsoever.

Jay is the best! I was referred to Jay by a friend after Big…read moreBank "X" declined my refinance loan because (after 2 months!) they could not get the proper insurance documents from my HOA. Jay stepped in and within 3 weeks a new loan was approved, at a higher appraisal value. Jay is able to quickly resolve problems as they come up, explains what is needed to keep the process moving, and what is needed to close the loan. I could not be happier and would recommend Jay to anyone.

After living in my home for 43 years, refinancing was a big decision. I researched several lenders…read moreonline and planned to contact a number of them. JVM Lending happened to be my first call, and after speaking with Hannah Papazian, I knew I didn't need to look any further. From our very first conversation, Hannah was warm, knowledgeable, and genuinely interested in understanding my situation--not just the numbers, but the bigger picture. She listened carefully, answered every question (even the smallest ones), and made what could have been a very stressful process feel much more manageable. I always felt like I had someone in my corner. As my refinance moved through the different stages, I worked with Jen Muldowney and later Erin Peters. Both were outstanding. Every transition was seamless because the entire team communicated so well. I never had to wonder what was happening next, and whenever I had a question, someone got back to me quickly with a clear answer. What stood out most was the consistency. No matter who I was working with, I received the same high level of professionalism, responsiveness, and genuine kindness. That's not something you find every day. I'm incredibly grateful to Hannah, Jen, Erin, and everyone at JVM Lending for making this experience so positive. I would recommend them without hesitation to anyone looking for a lender they can trust.

Hannah reached out when rates dropped. She helped guide me through the refi process and answered…read moreall of my questions. She always returned my calls and responded to my messages within the same day. I appreciate most that she kept me informed on what to expect throughout the process. She ensured I was connected with the right people to ensure I didn't feel alone in the process. Communication is impressive. The best thing about JVM as a whole is how fast they fund your loan! Thank you!

I could not be happier with Call GMS-Fairway IMC! This is the third transaction I've done with…read morethem, and every time I have been equally impressed! I truly credit them with us being able to close escrow on our home 8 years ago and on our vacation home in August. Someone once told me if Guy Schwartz can't do it, nobody can! I truly believe this! They are always available to quickly and calmly respond to any of my concerns, questions or problems that of course arise in any escrow/loan process. I have referred them to family and friends, all of whom are equally happy! I highly recommend them!

My wife, Lyndsay, and I worked with Guy and Monica from Fairway Mortgage and couldn't have asked…read morefor a better experience. We were first time buyers, and from start to finish, we were educated and guided to make sure that we felt comfortable with each decision. They worked hard and fast to get us a great rate with a great experience. We will definitely work with them again!

Karen is awesome. I was trying to refinance our mortgage and look at buying a second home and we…read morehit some unexpected issues and Karen was all over it. I would highly recommend Karen - she is smart, focused and reliable. I am happy to be working with Karen!

Karen was referred to us by a friend who had a wonderful experience purchasing their home with her…read more She was described to us as a "closer who knows her stuff" and that was certainly our experience. She was very generous with her time, walking us through the wonky details of funding a home purchase. She was highly responsive and communicative and worked closely with us throughout this process, going above and beyond her role as a mortgage broker. She moved very quickly to get appraisals done and to ensure an expedited closing when requested by the seller. You should always shop around for the best interest rates, but after speaking with several brokers, we found her rates highly competitive and she worked with us to secure financing we felt good about. She and her loan agent assistant, Gladys, displayed a very high level of professionalism and clear communication throughout this process. She has years of experience in this industry and that proved to be a huge asset in our experience.

I would have chosen 10 stars, if I could. I just closed an escrow in Newport Beach with the help of…read morea fantastic lender Terra Sotelo of Apex Mortgage Solutions. Terra was superior in her ability to get things done, approved, on track, and on time. She was excellent also in explaining procedures to the client and keeping them calm and collected. Escrows are NEVER easy, but sure is great to have an expert on your "team". I highly recommend Terra Sotelo to anyone purchasing a home. Thank you Terra! Janet Thompson First Team Real Estate

Terra has been an awesome Mortgage Consultant. We have used her services when buying a home, and…read morefor re-financing a home. She always works with us, explains various aspects of the process, and gets us the best deal available for a new mortgage. In addition, she reviews insurance coverage and makes suggestions where warranted. I wouldn't want to work with anyone else - Terra is The Best! 10-stars!!

We had the pleasure of working with Rene recently regarding the financing for our new home…read morepurchase. We worked with Rene once in the past and were pleased with her level of service and knowledge. Rene is responsive, honest and organized. It is a relief to work with an informed professional who is able to guide you through this complex process. Rene went out of her way to communicate and keep us up to date through each phase of this lengthy process. She has made herself available as a resource to answer any inquiries in a timely manner. Rene gave us a great impression of Wells Fargo Home Mortgage and there is no doubt that the high level of service she provides has a direct impact on their success as an organization. For these reasons we wholeheartedly recommend Rene.

STAY AWAY!! I worked with Devoreaha Smith on my home mortgage in July 2016. She is…read moreunprofessional, unethical, and lacks all moral values. She deceived me into thinking that she was processing my mortgage loan after running a background check. Would never return my calls or emails on how my mortgage loan was progressing. She went completely AWOL when I needed a mortgage loan!! She is nothing more than a liar! Well Fargo is a true enterprise for criminal behavior and it explains why they opened 5,300 accounts without customer permission. I have filed a complaint again them with the CFPB and BBB. I recommend anyone else that has been a victim by Wells Fargo to do the same. This is not a case of this just happening to me. There is also another person that had the same bad experience with Devoreaha Smith. You can find his review under "Ponderosa Homes" in the city of Pleasanton. Devoreaha Smith is as crooked as they come. You can private message me if you want to know more details. I don't want anyone else to be a victim like I was.

We had a great experience working with Sean as first-time home buyers. He was super knowledgeable…read moreand always took the time to explain things in a way that actually made sense. He literally helped advise us on every offer we submitted, which made us feel so much more confident throughout the process. Once we finally got into contract, Sean and his team made the loan process really smooth and straightforward. They were responsive, organized, and kept us updated along the way. We're really grateful for Sean's guidance and would definitely recommend him, especially to anyone buying a home for the first time!

We found Sean through a referral from our Realtor, Jessica Nance, and honestly, I don't think we…read morerealized at the time how much that decision would shape our whole experience. As first-time homebuyers, we had a lot of questions... and then somehow even more after that. Sean never made us feel rushed or like anything was too basic to ask. He was quick to respond, super patient, and took the time to actually explain things so we felt confident in what we were doing. What really stood out to me was how calm and steady he was through the entire process. Buying a home can feel like a lot, and there were definitely moments where it could've been overwhelming, but Sean and his team made it feel manageable... and honestly, smoother than I expected. They stayed on top of everything and kept things moving without us having to chase anything down. My husband and I just always felt taken care of, which matters a lot with something this big. If you're looking for someone who knows what they're doing, is responsive, and genuinely wants the process to feel easy for you, Sean is your person.

Jon refinanced a tricky rental mortgage for us. He got us a great rate and went the extra mile to…read moreensure that the experience was pain free and enjoyable. Highly recommend Jon.

It was such a pleasure working with a professional team. Jon made my process simple and…read morestreamlined. Even with my hectic schedule he and his team worked around my schedule.

We are so glad that we found Nicole Jung to work with us to sell our house! She got us organized…read moreright away and set us up with a team to help us recreate our house, to make it look like a magical house in a fairy tale! All the neighbors who went to see our house said that they couldn't believe how wonderful the house looked after the staging. Nicole was a really great person to work with because she is so professional, organized, dedicated, and very warm. When I was a total wreck, she remained calm and supportive. She sent us contact names and calendars - we always knew ahead of time if there was a showing coming up or an open house. After the open houses, she let us know right away how everything went. When our schedule tightened up, Nicole increased the showings, brought potential buyers from all over the country, and got that house sold! We knew we sold it to the right people when we saw the heartfelt letter they wrote to us and the adorable photo of their dog. We highly recommend Nicole Jung!

Professional women throughout the team, personal touch, and proven experience. We were encouraged…read moreto update several features we didn't think we needed, but we were gently and consistently guided. The work was all organized and provided through Nicole and Esther and the costs were not only competitive, but proved to be well worth it, with a greater return in selling price and without the house sitting days on the market. Our home sold in two weeks and looked amazing!