Jared helped us close on our first home and hopefully first of many! He's extremely responsive and worked so well with our relator. Jared made sure to lock us in to the best rate possible (given the market conditions). Not only is he extremely knowledgeable about the markets/rates, he helped us close in 14 days! He made sure to get every single document and piece of information submitted as quickly as possible. I truly feel that Jared made this nerve wrecking process easier for us. Thank you for all your help, Jared! read more

Some of the reviews for this company specifically from Ben P. and Ern D. are absolutely spot on. Wish I would have seen them before talking to these people. These people will push you to get ARMs because they make more money at the backend with ARMs. Keep in mind they are selling your mortgages to the big banks and making huge $$$$$ off them. The only reason why big banks buy from them is because they are selling those loans at higher rates to you. Each broker is making a pretty good commission on ARMs. Ensure that you get plenty of quotes before even getting pre-approved with such mortgage brokers. Definitely recommend getting pre-approval from a well-known bank! This business is basically a honey trap for first time homebuyers or people who don't have enough information about the mortgage business or the housing market. Ask them for details and they will get pushy on you. Pressuring you to close and offering you quicker closing time are some of their tricks to close the transaction. You won't have enough time to delve into the details. Trust them at your own peril! They know and enhance your FOMO as they are constantly creating false impression of FOMO! Remember - You are not missing out on anything, if you miss out on one home that you like, you will find another one. But never fall into their FOMO trap. They have their relatives in the Real Estate business. Husband and wife teaming up as realtor and mortgage broker will take you for a ride that you will regret for life. Be careful and understand every single detail before you ever think of locking your ARM rate with them. They are going to brush aside your questions by saying that these are just standard papers that everyone signs. The hidden numbers are where they will get you! Notice that when you meet these people they will talk more about things that are irrelevant than answering your questions about the loan. This is one more ploy to get you distracted and earn your trust so that they can get you to do what they want you to do. Watch the 2015 movie 'The Big Short'. You will get an idea of how these people reassure you and instill a false confidence in you when you are buying a home. Remember they get their commissions immediately after the transaction closes, even the Title company is out of it. But then you are stuck with a mortgage that could really go south in the long run! Offering you to keep refinancing is also another gotcha as they keep getting commissions each time you refinance your ARM. Also, when they say refinance at no cost to you -- please take time to get a written estimate to understand what refinance at no cost really means. There are several gotchas. I had an awful experience dealing with Cal Coast and I am hoping that this review will help others make a better decision if and when they decide to deal with this company. read more

Mina Wahab is the best agent I ever worked with. After refinancing for 3 times and got declined by Bank of America for two times, Mina helped me close the loan within 2 weeks without any pain. And the rate was absolutely reasonable.She is amazing - highly recommend to anyone!!! Best experience ever - fast closing, good rate, trustworthy process. read more

Highly recommend Roger for any and all mortgage needs. Have worked with Roger on couple of new financing needs for both new home purchase and refinancing. My most recent purchase was a very complex Jumbo loan situation. I really wanted the house but the loan had a fair bit of complexity, however Roger handled the entire process very professionally and oversaw the loan process to approval with the bank. His staff is also very professional and were very responsive to all my queries all in a very professional & timely manner. Getting this jumbo loan approval was stressful but he never made me feel the stress and eventually, and on time, me and my wife ended up getting the loan and the house. Couldn't be happier. Roger is the best in the mortgage business, highly recommend Roger for all financing needs. read more

This company is filled with nothing but crooks. I refinanced my home with them and I came to learn that after everything was finalized they over charged me for ridiculous fees. The interest rate I received was purposely raised so they could make more money on the back-end. I learned all this by taking my final docs to Wells Fargo a couple of months later, to fix the loan, since I had a feeling I got suckered. I qualified for a way lower rate than what Cal Coast gave me and the only fees I paid were for processing. DO NOT go outside the banks to refinance and stay away from crooks like these! Their only interest is to make money off of you. Go directly to the banks! It's these type of people that have ruined people's lives and helped ruin the home economy. Fortunately, I got lucky this time. read more

This mortgage company is as good as it gets when refinancing or purchasing. I shopped around extensively and I also went to Wells Fargo like the other reviewer, and they had .5% higher rate than cal coast. Banks always have many hidden fees people are not aware of until they sign their final documents. Cal Coast not only beat Wells Fargo's rate but it was a no cost loan. I ended up getting a 30 yr. fixed on a 500 K loan amount of 4.375%. Eric Bergeron was my loan analyst and Naeem Wahab was my loan officer; they both were very helpful, prompt in returning my calls, and answering all my questions. Eric was determined to do what was best for me, not himself. Believe it or not there are good, honest people at mortgage companies, you just have to find the right one. I would definitely recommend Eric and Naeem at Cal Coast to all my friends and family. read more

I recently bought a house in San Ramon, CA. One of the key criteria for the offer was that we should be able to "CLOSE" the deal in 10 Days. This in itself was a great challenge; all the big names like Citi, BoA, Wells Fargo flatly refused and said that they cannot even get Appraisal done in this time. Then i approached Mr. Roger Bakshi from Cal Coast and he was very courteous and helpful. He was very confident that he can cut this deal for me and make it happen in 10 days. Mr. Roger worked really hard and closely with the selling agent and made sure that the deal go through and that I get my dream house. The deal that I got was really amazing with the lowest rate; beating all competitor rates and also with no closing cost. There was completel transperancy throughout the process. They kept me in loop and informed. I am ready to re-finance my home wit them again !!! Great company and people t work with. They understand your needs and go to great lengths to help you out. Highly recommended. read more

Last month my wife & i were referred to Cal-Coast by the listing agent during the open-house at a Hayward condo. We were told that Cal-Coast had an inside-track on financing for this property, because they had just represented a previous offer that fell through They've taken us for a ride since then, and at present we are their captive-clients. Our initial offer in August to purchase this condo has been extended twice, because Cal-Coast repeatedly failed to meet their own deadlines to secure financing (despite paying a thousand dollars for "expedited" underwriting) On top of this and other conventional closing costs, they're also charging an additional 2.5% origination fee for their so-called Service. Meanwhile, they continue to promise results "next week" At this point, we would gladly pass on the buying opportunity & are actually hoping that our loan will simply be denied - so that we can be released from dealing with this loan broker, and still get our deposit back from escrow ! Fingers crossed read more

I'm leaving this review for Naeem and team in the Fremont office. My wife and I bought a house recently and we used Cal Coast to complete the process. From start to finish the process was painless and we were updated daily during every step of the process. I'm very happy we ended up using Cal Coast as they made this easier and less painful than buying a car! We were able to do everything electronically until the end where you have to use wet signature, I didn't have to rearrange my busy schedule to move the process along, I highly recommend Cal Coast for your home buying or re-fi needs. read more

We highly recommend working with cal coast.. when we found our dream home which demanded to close the mortgage in 15 days, Roger and his Team made the entire process very smooth and simple.. Roger helped us with providing various options and patiently explained our naive questions.. it was such a stessfree process with us providing some documents over email. The team followed up promptly and was very clear on what we needed to provide . We appreciate Roger and team for completing the process within short 2 weeks time. We are glad that we found cal coast to make our mortgage process easy. read more

Naeem and Elizabeth assisted my husband and I with the purchase of our first home. During this time my husbands father became very sick. Naeem and Elizabeth both were not only financial advisors, but they were great friends along this journey. They educated us every step of the way. They listened to our needs and put a game plan together that best fits our needs. They are very knowledgeable and professional in their field. We HIGHLY recommend both Naeem and Elizabeth and of course the cal coast financial team. Thank you for everything! =) read more

My husband and I had been searching for a home for a few years now, so the process had been stressful in general. Finally, our offer was selected and after searching for a reputable mortgage company, we settled on Cal Coast. Naeem and his team were professional from the beginning. They were in constant communication with us throughout the entire process. They gave us itemized lists of documents we needed and presented those documents to the bank in a very timely fashion. I truly believe they got us the best rate, even with the interest rates rising. Our loan closed in under 30 days and I attribute that to this company's hard working employees. Naeem even reached out personally and congratulated us when our loan was approved and the deed/title was recorded in our name. read more

I highly recommend Mina for refinancing your loan. Despite all the complications in my current situation, she was able to work through them and close my loan in a timely manner at a competitive rate and low fee. Excellent communicate and very responsive. read more

It was a pleasure working with Naeem and George. They provided us the best advice throughout the process and made it a smooth one for us. Would definitely recommend them as they bring great expertise in the field from years of experience. read more

Until recently we've always refinanced through BofA, Wells Fargo and other big names. We were referred to Cal Coast Financial by a close friend of ours and I would sincerely say these folks are the only people who had our best interests at heart. They worked aggressively with the lender in our favor - something that never happened with any of the banks that just gave us whatever was on the table. Cal Coast got us the best rate bar none ... and we shopped around. I don't know what to say about the folks who are sabotaging these reviews because my experience was completely different. I wouldn't be surprised that some of these folks who sought the "security" of a big name bank were also persuaded to believe that anything other than a big bank will be shady. That clearly wasn't the case here. People commented about lapses in communication. I've never had more than a couple of days without a reply to my emails or calls. Sure, I would have preferred to get contacted in the next 12 hours every single time but that's never been the case with anyone we've ever refinanced with. BofA and Wells Fargo kept us more in the dark than anyone else. In our case the loan was for a large amount (over 1.5 million) so we had a unique set of hurdles. Unlike the big banks, they were actually able to explain a lot of the nuts and bolts of how they were going to get it done. As usual there were obstacles but our agent was willing to explain them and detail out potential solutions ... the big banks always seemed to keep us in the dark as if it was an inconvenience to explain anything and only relayed information to the lender. IMO, the proof is in the pudding. Regardless of the process or details, Cal Coast came through with a better rate than anyone else. It's unfortunate to think the negative reviews are orchestrated attempts to sabotage their business. I say it doesn't hurt to give them a call to discuss your needs. Give them a chance to make their case. read more

I had been in the US for just a year, with just over a year of credit history and work history. I still wanted a jumbo loan with less than 20% down. Nearly all the other lenders rejected my case outright. But Naeem and George of Calcoast were open and responsive. They took my case seriously, negotiated with multiple lenders, got the necessary exceptions approved and gave me a good deal on my first and second mortgage for a new purchase. I was already working with another lender and these guys were the backup. Even after making this clear to George, he was still as diligent as ever and went through the entire process till the very end. He answered my call at all times, gave me the correct advice and kept me well informed on all options as well as helped me mitigate different risks, even though he knew that I was working with another lender. I would definitely recommend him for anything related to home finance! Thanks George and Naeem for all your help! read more

Roger Bakshi (Cal Coast Financial Corp) has helped us close home mortgage loans and Line Of Equity for us for past 14 years. We have purchased two (2) homes by using his services and done a total of six (6) financial transactions over the years. Roger has been extremely helpful and very transparent. As we have come to know each other for such a long period of time, he understands our requirements very well and provides sound recommendations. He has always come back with alternates (always top tier lenders and banks) and advised on the best loan (including details of all hidden costs) for us. Of course, in past 14 years Roger's company and business has grown however he has always kept in contact and when we needed him, he was there. If I had any concerns with his staff (very rarely and minor things), he will jump in immediately and keep the focus on a good close for us and best rates possible out there. Very service oriented person. Roger is very transparent with his fees and total cost to us from the first day and we have been very happy with his services and recommendations. I am glad to recommended Cal Coast and Roger. read more

I bought a house in Fremont CA and Cal Coast helped me to close the deal in time. Mr. Roger Bakshi and Mr. Aman Joshi helped me understand the entire process and worked aggressively with lender to get a very good interest rate. I am very much satisfied with the process and documentation and the amount of time spent by Mr. Roger to make the things happen. I would like to recommend the services of Cal Coast and was very much happy and satisfied. Thanks. read more

Great experience!!! Give stars! Thank you Roger for always being quick to respond, knowledgeable and ensured my loan closed ASAP!!! Aman was so patient, professional, personal and helpful with the gathering of paperwork. We will recommend Cal Coast to our friends and family. read more

I was having trouble with the "big banks," when someone recommended I go to Cal Coast. I met with a rep named George. He was super friendly, which made me a little suspicious at first, but once we got the ball rolling I found him to be genuinely so. And he was super knowledgeable. I got my re-fi in very little time and at terms I hadn't thought I could get anywhere near. I highly recommend Cal Coast!! They really saved me! read more

My wife and I used cal coast financial for our home mortgage. It was our first home buying process and the biggest purchase we have ever made so we knew we had to choose a mortgage broker that could guide us through the complicating process. Naeem Wahab was our broker at CalCoast Financial and he did just that. He was always available for any questions we had and he was extremely prompt through the whole process. He explained all details of our loan from beginning to end and we never felt lost at any point through this extremely new process to us. He was even the one that recommended a great realtor for us who ended up being an amazing choice. I would completely recommend CalCoast to anyone looking to buy or refinance, they are absolutely amazing to work with. We were satisfied in every aspect because they worked hard and went above and beyond for us. read more

Zero stars would be better if this site allowed it! Terrible! The loan agent left after we signed papers,(literally), he failed to answer calls, emails, etc , even though we verified he was still with the company! Our realtor finally made everything move for us! However we did not get the keys until 13 days later after we signed because the loan agent's total lack of professionalism! Me thinks he knew he was going to get a commission from the loan,( because we had signed the papers), and after that he simply could have care less about us! read more

I wish I had read the other comments before pursing my home mortgage thru Cal Coast Financial, because I would not have chosen them had I read the other negative comments. This review is specific to the services received for acquiring a mortgage for a new home purchase thru broker Kathleen Senna. We are very unhappy with the services rendered and we DO NOT recommend her for new home purchases! Her conduct was unprofessional and deceitful. We were not given our entire lender's credit to which we were entitled because of some bogus calculations she rendered. We had the documents reviewed later by a 3rd party, who also cited that our full lender's credit was not given to us. She said she does not read the preliminaries to the property or all emails sent to her, which is an unprofessional practice when you're handling such important financial information. This negligence caused us more trouble during the loan process. Since we were referred to her, she had promised several times that the person giving the referral would receive a referral 'thank you' once she was paid. After she was paid she backtracked and did not follow-thru with her word. Overall: VERY UNHAPPY with the lender and the broker, would give a 0 if possible. We will be moving our loan elsewhere ASAP. Maybe they are ok for refinance services, but definitely do not recommend for new home purchases. read more

Great, personal service and they got me an incredibly low rate for my mortgage. Excellent.

My boyfriend and I recently purchased our first home. Naeem and Elizabeth were a godsend. They were there every step of the way, ready to answer any questions day or night. Their responsiveness and professionalism are unparalleled. read more

We were referred to Cal Coast early this year through my husband's friend and although I was hesitant because they were not a regular bank, they were fantastic in helping us refinance our home and get out of an FHA loan that was costing us a lot extra for mortgage insurance and also getting us almost a half percentage point less of a fixed 30-year mortgage rate. I went to Wells Fargo and requested assistance to help us refinance but they were not at all as helpful as Cal Coast and they were not offering us as low of a rate. Cal Coast worked very closely with us to get all the paperwork we needed together which really was a big help. So in late March 2013, Cal Coast was able to get us a 3.875% fixed 30-year rate!!! Can't beat that! read more

We recently refinanced our loan with Cal Cost Financial. One of our relatives recommended them and now it is my turn to recommend them. The refinancing process was very easy with them. Steve was very helpful and responsive, and explained everything clearly. Also, he was able to get us a competitive interest rate that I wasn't able to get from other banks. So I highly recommend them since they will make your life easier. read more

We just refinanced with Cal Coast Financial in Fremont and are very happy with their service. We really felt that we were taken care of and they always followed through with us during the process and were always there when we needed them which was great. We believe that acccessibility is very important with matters like this. During the final stages of the process, they even adapted to our work schedule and we didn't finish everything till almost 8:00 P.M.! read more

We recently bought a home in Fremont. The best thing about Cal Coast Financial Corp is that we were able to close escrow in time with great interest rate. I like their services. We worked with Mr. Roger. I highly recommend Cal Coast Financial Corp. read more