I worked with Mike and Andrew on a complex refinance that allowed me to become the sole owner of…read morethe San Francisco home I've loved for more than 15 years. The transaction involved a number of moving parts, including a co-owner buyout and my transition from salaried employment to self-employment. Mike and Andrew were excellent throughout the process. They were responsive, patient, thorough, and calm, even when there were tight deadlines and a lot of documents and logistics to coordinate. They understood that this was more than a standard refinance and treated the transaction with real care. I always felt that they were working hard behind the scenes to keep everything moving and make sure the loan closed on time. They made a complicated and emotional process feel manageable. I'm extremely grateful to both of them and wouldn't hesitate to recommend their team to anyone looking for a lender who can handle a more complex situation with professionalism, persistence, and genuine care.

5 stars all the way! I don't normally write reviews, but the awesome experience with Mike, Andrew,…read moreand the rest of the PRMI team inspired me to share this. I had a ton of questions going into my mortgage and they explained everything in plain English. The team made sure I actually understood what was going on throughout the lending process. Mike and his team are super responsive and thoughtful. They truly went above and beyond, and made it possible to even close a week ahead of schedule, which was great for me and the sellers. Truly impressive. I highly recommend Mike and his team and very much look forward to working with them for my other mortgage needs.

Jay was excellent in helping us with a no cost refinance at the best rate possible!…read more He was proactive in reaching out to inform me of any favorable rate changes and was even able to help me float down the rate AFTER rate lock when I noticed there was a sudden big rate drop before we closed on the refinance. He was on top of things and communicative thought out the entire loan process. I would highly recommend him to any family or friends and would definitely goto him again for any mortgage loan needs!

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!

I've worked with Risha for well over a decade across multiple transactions, and every single one…read morehas closed successfully within the original timeline--often even earlier when needed. She leads an honest, dependable team that is always easy for me to reach and consistently delivers exceptional service. Whenever family or friends ask for recommendations on residential loans, there is only one name I give: Risha. Thank you to Risha and her team for the most recent transaction that closed in April 2026. I look forward to working together again in the near future.

We worked with Risha for financing our dream home, and as many people know, the loan process can…read moreoften be intrusive and stressful. However, our experience with Risha was remarkably smooth and hassle-free. Her team requested only the essential documents and information, handling everything else efficiently and professionally. Throughout the process, we felt confident and well supported. Many thanks to Risha and her outstanding team for making our home financing journey such a positive experience.

I have been working with Jazmin Cortez on an application for a HELOC loan with the San Francisco…read moreFederal Credit Union. I am greatly impressed by the help I received from Jazmin throughout this process which required a huge amount of documents. I recommend Jazmin very highly. Jazmin provided clear and helpful directions and follow ups. SF Federal Credit Union offered one of the best and most competitive interest rates. I recommend SF Federal very highly in general and Jazmin Cortez in particular to potential mortgage applicants.

Wow, I'm genuinely impressed with how responsive and professional SF Credit Union has been…read morethroughout the entire auto loan process. Huge credit to the lending department for funding my auto loan in just two days. I had recently applied with several other credit unions, and some are still reviewing my documents more than a week later. In contrast, SF Credit Union provided clear communication, regular updates, and a streamlined process from start to finish. Not only did they offer one of the most competitive rates I found during my research, but they also didn't require unnecessary conditions such as direct deposit commitments or other hoops to jump through. If you're in the market for an auto loan--especially if you're purchasing a Rivian--I highly recommend giving SF Credit Union a look. Their customer service, transparency, and efficiency made the entire experience exceptionally smooth.

I've purchased two homes with Carlyle financial. The first was a triplex investment. I was told…read moreby multiple people that myself and my mom couldn't get a loan on a $1.6 million investment unless we put down 40%. Robert was the only person who was able to find us a loan and not only that, got it for about 1% less than we were expecting with putting down 30%. Because of this, when I moved I went immediately to Carlyle. I was able to get a loan quickly and their method of dragging files into a website was sooooo much easier than emailing them all as I have had to do in the past. I couldn't recommend them more.

Robert Cohan and his team really delivered, solving a difficult mortgage scenario for us and on a…read moremulti-million mortgage, on-time. I hardly write Yelp reviews but would like to express our thanks to this team for a job well done. We corresponded with a few conventional and well-known lenders, including of course our prior lender. We worked with them for several weeks, providing all our financial documents on-time and in detail. Those lenders led us on, saying 'no problems, no problems', until just about closing where they said 'yes, we can do it but the interest rate is much higher or we need this amount of cash etc'. In contrast, Robert delivered exactly as he promised verbally and above and beyond his services, and professionally. He is our go-to person now for all mortgages or refinances, big and small. His rates and services are very reasonable. Highly recommended!

Two years in and Sterling remains as frustrating as it was at the outset. The online banking…read moreinterface doesn't work. It's impossible to get someone on the phone. So you have to go into the bank - it's 2022, who goes into the bank to perform a basic transaction? It's such a timesuck. They're nice enough in the bank, but the whole thing is ridiculous. If the website would just work, and someone would answer the phone when you call (or return messages), it'd be so much easier. I just want to share my journey to getting online access to *my money*. - tried online; said I needed to reset my password, but no link arrived - called the branch; given another phone number; no answer at that number; left a message; no return call - went into a branch; told my online account no longer active, but that I could open a new one online - tried to open a new online account; system says that an account with that email already exists; when I try to get the password, I get an error message - I call the branch again; given another phone number - I call that phone number; the person asks me for a bunch of information, then gives me my login and a temporary password (totally contradicting the information from the guy at the branch yesterday, but ok)

Great for TIC home refinancing. I've gone through this a few times now with Sterling since rates…read morekeep coming down. It can be a little tricky to get things started, getting the latest rates, etc. But one you get assiged to a loan consultant they're great. Local bank service and feel. Had an absolutely fantastic experience working with Tiffany Deng. Ridiculously resonsive and helpful. Also good that Sterling always seems to have the best rates for TICs, including cash-out refinances.

We took out a mortgage for our vacation home in 2015. Never a late payment for all nine years…read more October and November payments were not being processed by Fremont for 12-15 days. They blamed USPS and pushed their "Auto Pay" online system. Decembers payment took 24 days for FREMONT BANK to process. Again, they blamed USPS. We actually called and made a phone payment mid month, paid to place a stop payment on the off chance the payment was actually lost. February 5th, yesterday, we received a nasty letter from Fremont Bank admonishing us for not being honorable credit risks. Once again they blamed USPS...their letter arrived at our address in FIVE days. We are paying of this loan off next month to protect our credit. Borrowers beware. This institution does not care about it's customers.

With Fremont Bank, we have had the best possible lending experience. My husband and I applied for a…read moreHome Equity Loan. Can you believe we've got a loan in 10 days! That is awesome or what?!! Everything went smoothly, starting from the beginning of completing the application! Mike, you have the most excellent people like Revelina Velasco, Jorge Mallque and Daphne Gonzalez working alongside you! They were exceptional, with them you can make a difference. We chose Fremont Bank over 2 other lenders after talking to Michael Delucia on the phone. He assured me that his team is the # 1, indeed, Michael was not wrong Revy, Jorge, Daphne YOU ROCK! Your constant follow-ups, your perceptions changed our hesitated/confused minds (because of the interest rate increase we were going to cancel the application). You all made this happen. I will surely spread the word about you, Fremont Bank! Thank you!

Just closed after a very easy, clear, and smooth process facilitated by Jay. The rate and closing…read morecosts he was able to provide were significantly better than another broker I was working with. The actual closing costs (and rate) came in under his estimate. He guided me through the process and let me know ahead of time of documents and verifications I would need during underwriting. He was always easy to reach via phone and email with very prompt responses. The whole deal was absolutely painless and there were exactly zero surprises. Just perfect. I highly recommend Jay and First Capital Group.

Working with Marisa Pecorella was truly the best part of our home buying experience. She was…read moreincredibly involved and always available whether by phone or text, she made sure we never felt out of the loop. Throughout escrow, she stayed on top of every detail and even got our rate dropped multiple times when market rates went down during escrow! She constantly communicated with our title company, real estate agent, and everyone else involved -- honestly, she did more work than anyone in the transaction! We always felt like we were her top priority, and her professionalism and follow-through made the whole process smooth and stress-free. Highly recommend Marisa to anyone looking for a lender who truly goes above and beyond. She made home buying a reality for us when we didnt even know if it was in reach.

It was a pleasure working with Alexandra from start to finish. She is incredibly professional,…read moretimely, thorough, and truly a problem solver. When a challenge arises, she doesn't just identify the issue--she quickly works toward a solution, often finding creative ways to keep things moving forward. What stands out most is how much she genuinely cares about her clients and the people she works with. She is responsive, collaborative, and committed to creating a positive experience throughout the transaction. I would gladly work with her again and highly recommend her to anyone looking for a knowledgeable and dedicated loan professional.

Exceptional Property Manager - A Rare Find…read more After going through three previous property managers, I was incredibly fortunate to find Alexandra. Within just the first one to two months of taking over my rental property, she accomplished what my prior property manager had failed to deliver over the previous 2.5 years. One of the first things she tackled was coordinating and project managing major property improvements. She found qualified contractors to completely redo my front concrete driveway and resolve a long-standing issue with an unfinished backyard patio deck. We later discovered the deck had been partially built incorrectly and did not conform to the original architectural plans. Alexandra managed the entire process from contractor selection and oversight to final inspections and sign-off. She also successfully addressed tenant compliance issues that previous property managers had been unable or unwilling to resolve. What truly sets Alexandra apart is her network of trusted, highly skilled, and reasonably priced contractors. Every contractor she recommended had a proven track record, and the quality of work consistently exceeded my expectations. Alexandra treats your property as if it were her own. She genuinely looks out for your best interests, advocates for property owners, and approaches every challenge with professionalism and creativity. She is highly communicative, proactive, prompt, and always thinks outside the box. Instead of having to constantly chase updates, I received regular status reports and progress updates, sometimes daily, which gave me tremendous peace of mind. She also has a unique ability to treat tenants with respect while still holding them accountable. Even with less cooperative tenants, she was able to achieve compliance professionally and effectively. When it came time to sell my property, Alexandra once again proved invaluable. She strategically connected me with a trusted local real estate agent who had extensive knowledge of the area and guided me through the process. The property went under contract within two weeks and has now successfully closed. Beyond property management, Alexandra is exceptionally knowledgeable in construction, contracting, real estate transactions, and local regulations. Her broad expertise makes her an incredibly resourceful asset and someone you can truly rely on. Since Alexandra took over my property, I was able to be virtually stress-free, knowing my investment was in capable hands. Trustworthy and effective property managers are incredibly hard to find, and Alexandra is genuinely a rare find. She is worth every penny, and I recommend her without hesitation. Thank you, Alexandra, for your dedication, expertise, and outstanding service.

Just closed on a 2/1 buydown refinance and got down to 5.25%. Very happy and grateful for the offer…read moreand closed in 3 weeks

Sean Arecheiga called me on a Saturday evening & from the way he introduced himself to the way he…read morebroke down the numbers for me I knew this guy was a professional at his craft. We bundled up some high rate debt and put it into my mortgage opening up a lot of breathing room for me and my wife. Not to mention we got a smoking rate on the house. I felt taken care of. I felt listened to. And most importantly I felt confident in this decision. Sean, my wife and I ordered you a gift card to Ruth Chris Steakhouse.