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.

victor with JVM lending was so effective with his communication during the entire process of…read morepurchasing my first home. he ensured all of my questions were answered and was able to complete the closing process with a very quick turnaround and very competitive offers for lending options. highly recommend him and his team!

Working with JVM lending has been a real pleasure, and I cannot thank Victor Flynn and his team…read moreenough for assisting me in this process. This is the 2nd time I have used JVM, and they have provided top-notch service throughout. I would like to give a special call-out to Victor Flynn. In this 2nd time working with JVM, I told Victor that his speediness in my first transaction 3 1/2 years ago made me realize that he was "in like Flynn"--in that he was right on top of getting things moving from the very first day after I had contacted him regarding my mortgage needs. Victor's explanation of my various options this time around was presented in a totally clear manner, and he and his team were available to assist me at all times. I also really appreciate the fact that there was no pressure upon me, as I was not ready to get the move going for 6-9 months after my initial conversation with Victor this time around, and other than 1 or 2 check-in emails from him, there was absolutely no high sales pitch from them, and no "push" or fear tactics regarding the market. I highly recommend Victor and JVM team for anyone who is planning on selling and/or buying a home in the Bay Area. I have no hesitation in giving Victor and his team a 5-star recommendation.

I was referred to Karen and team by a friend who had a great experience working with her for his…read morehome purchase the year prior. He had nothing but great things to say, so I scheduled a call with Karen when I wanted to get my own home buying process started. After our initial call, I felt much more knowledgeable about the financial portion of the home buying process, and knew that I wanted to go with Karen. She walked me through the process and let me know what was needed and what to expect. Once I found my real estate agent, I put her in contact with Karen as well so they could align on how quickly we could move if I did find a property I was interested in. My agent recommended I get fully underwritten in advance because of the highly competitive market on the peninsula, and Karen made it happen. When I found the property that really felt like home and I wanted to submit a competitive offer on, Karen worked closely with my real estate agent so that we could offer a 15 day close. Karen also called me during the offer process to help me understand the financial implications of contingencies (or lack thereof when the seller countered and asked me to remove the appraisal contingency), so that I could understand what kind of money I would need to come up with if the property did not appraise for purchase price (it did appraise at purchase price, by the way!) Thanks to Karen's guidance and incredibly fast work, I was able to purchase my first home as a single mom - a place that I was proud to surprise my son with once I got the keys. We closed a day early even with our short 15 day timeline. My real estate agent was initially concerned that I was going with a mortgage broker in the East Bay as the market in the Peninsula moves very quickly and is highly competitive, but after the initial call with Karen my agent was put at ease, and once the process was done she mentioned that she really loved working with Karen and could not believe how fast she got things done. The escrow officer also mentioned how great Karen was to work with and asked how I had found her. Karen and Anna on her team were a pleasure to work with. They helped me understand every step of the process, answered all my questions, and got me set up to make the strongest offer possible with a short close and underwriting in advance. I can't thank them enough, and highly recommend them to any prospective home buyer.

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!

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!!

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

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.

Sean is the only person you should trust your mortgage with. Amazing communicator, concise process…read morelayouts and honest throughout the entire process from start to finish. My wife and I are eternally grateful for his help, you don't run into many people as prepared as him--don't waste your time with anyone else!

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!

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.

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!

Khrista Jarvis Team is one of the best realtors in the Bay Area and well regarded. Nicole Jung has…read morebeen in this business for a long time and knows the market very well. Nicole is amazing. With Nicole's help, I was able to purchase a beautiful home in the Danville area. She made the process seamless and ensured we got the best deal. She went above and beyond to ensure we were informed and made the best decision. I have two little kids so wanted to purchase a home that met their growing needs. She is very patient. I could really tell that she was not trying to make a quick purchase but she really wanted my family to select home that we could see ourselves living in for a long time as well as a home that could appreciate in value if we decided to move. Nicole's knowledge regarding the market is extremely valuable. Having assisted thousands upon thousands of buyers and sellers, she has expertise and knowledge that only comes from years of experience. She is amazing at what she does and can literally perform her own visual inspections of homes. Nicole also has a large network of professionals. You can trust her recommendations and I highly recommend speaking to her if you have any other concerns (escrow, lenders, contractors, repairs, etc).

I have been through the mortgage process about 10 times now. Working with Steven for the last two…read moremortgages has been the best experience by far. He is extremely knowledgeable, trustworthy, honest, and got me the absolute best rates out there (others didn't come close). He has made the process completely painless and he knew what was needed up front. Other brokers require a ton of back and forth fetching or updating documents, where with Steven it has been pretty much one and done for me. I highly recommend reaching out to Steven. I personally recommend him to everyone who is looking at buying or refinancing their personal home or an investment home.

I had an outstanding experience refinancing with Steve Booras and the SmartRate team. Steve was…read moreprofessional, honest, responsive, and incredibly knowledgeable throughout the entire process. He made everything easy to understand, kept me updated every step of the way, and worked hard to secure a great refinance for my family. If you're looking for someone who truly puts your best interests first, I highly recommend Steve Booras and SmartRate. Thank you for making what could have been a stressful process smooth and seamless!