From initial inquiry to final close of escrow, Dave and his team were there to support us on the…read more15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team!

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I…read morewould have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez

We just closed and funded on our latest deal today, and I want to take a moment to recognize Esther…read moreand her team for an exceptional job. In this business, execution and timing are everything--Esther and Paul delivered on both at a very high level. From initial structuring through funding, the process was handled with precision. Communication was clear and efficient, expectations were managed properly, and any complexities were addressed proactively without slowing down the timeline. That level of control over a transaction is not easy to find. What stood out most was the ability to navigate the deal strategically while keeping everything moving forward. For anyone operating in real estate investment or development, having a lending partner you can rely on is critical. Esther and Paul has proven to be exactly that. Looking forward to doing more deals together.

Esther and her team are amazing! We got a terrific rate and closed on our home a few days ago…read moreafter 5 years on/off trying. Essentially we worked with Team Esther 3 times, because after failing to buy a home and taking a break, each time the financials would have to be reprocessed given our life changes. But we stayed with them and they stayed with us, always with an open door and a welcome back. I can say from time tested experience how consistently reliable, accessible, and knowledgeable they are! Would highly recommend.

My experience was excellent. I referred my clients for…read moremortgage to buy a house. He did above and beyond his scope of service with loan processor Debbie Angulo. Thank you again Bob and Debbie for your professionalism!!!.

I don't think anyone in the bay will be able to close a loan as quickly and as efficiently as Bob…read more He is prompt and responsive 24/7. If you guys are in doubt I will say Bob is the right man for the job. A huge shout out to Debbie as well for being responsive and helping us out.

I was finding a loan brokers and came in contact with Irene. out of all the mortgage brokers I've…read morecalled, she was the only one to answer. Irene asked me many questions to fully understand my situation and the next day followed up giving me an extremely detailed and thorough breakdown of everything we talked about. absolutely recommend 10/10 service

We had been working with a previous lender who was flaky and unreliable so when we found a house we…read morewanted to offer on our realtor gave us the name of 3 lenders, Irene being one of them. In a matter of days she was able to get us everything we needed to offer on the new house, and while we didn't make it, she was right there with us for our next offer. Speaking of that next offer--it turned into being in contract and now being home owners! Irene and our agent, Kristin Romig, worked together to put together a competitive, strategic offer. We didn't have the most money, but we did have a great offer that eventually led to us getting into contract. In just about 20 days with my bank account being compromised a few days before our close date, and Shelter in Place ordered the same week, she made it happen. Irene is extremely honest, transparent, and pro-active; she is on your side. I think if she can manage this in the middle of a Pandemic, then we're sold. If we ever decide to enter the Bay Area housing market game again, we will definitely work with Irene.

We had a great experience working with Grant. We contacted him after we had already submitted an…read moreoffer with a 15-day close, and he was able to get everything done on time without any hiccups. He was extremely thorough and knowledgeable about every aspect of the home loan process. As first-time homebuyers, we were pretty out of our depth, but Grant answered every question we had and made sure we understood what was happening at each step so we could feel confident we were making the best decisions for our family. I would recommend Grant to anyone in the area looking for a home loan.

Grant is hands down the best and most amazing person ever. I had no clue what I was doing for my…read morefinancials and let alone buying a home. But Grant took his time to walk me through the whole process. He spent countless hours educating me so that when I was ready to buy my first home, I had all the knowledge I needed. I trusted Grant in this entire process and he guided me every step of the way. He's very thorough and very transparent. Which is something you don't often see. He truly cares for you and makes sure you are able to save money and make good choices. Grant went above and beyond what he provides and I can't thank him enough. I highly recommend Grant's services to everyone. If you don't know where to begin, start with Grant!

If I had to describe Michele in 1 word: integrity. Michele consistently took my phone calls in my…read moremost stressful times of the home buying process. Both times she gave fantastic tips and was extremely helpful in my situation. Every conversation with Michele has been so refreshing in this constantly stressful process of finding a new home. Always honest and willing to work with me. The biggest reason she has high integrity is both times we spoke, she was able to confirm the quotes I had were strong and didn't try to pull anything on the other lenders just to make a commission, she truly cares about people and gave superb feedback on the process. There was no monetary incentive to help me, she was just a kind person who wanted to help. Thank you for being awesome!

This has been the third time we have worked with the Reen Team and each experience has been great…read more From helping us get our first place to helping us get our forever home. Highly recommend working with their team regardless if you're a first time buyer or an experienced one. They can help guide you make the whole process easy to follow.

Misleading process and communication that waists lots of time with no end result...especially…read moreconsidering the high origination fee, interest rate, and crazy prepayment penalty terms.

Joe is a wonderful guy to work with, my experience with him has always been professional. Not only…read moredoes he always listen to your idea, he finds a way to make your loan work an your investment grow. As a young professional looking for a good way to invest my money, he has shown me ways to invest in real estate and not just the stock market. If you have a chance to meet him and work with him I highly recommend Diversifed loan Services.

Nhan and his team are absolutely amazing to work with -- truly the best in the business! They are…read morehighly knowledgeable, experienced, and take the time to patiently answer all of my questions while walking me through every step of the process, from refinancing to cash-out to new loans. I've worked with Nhan on multiple transactions, and every time they deliver with record speed -- closing in as little as 18 days! If you want a smooth, stress-free loan process with a team you can trust, Nhan is the one to call.

Nhan Cao is an incredible mortgage broker! He made the impossible happen and got my loan approved…read moreand closed while I was literally in the hospital about to give birth. We officially closed on our house the same day my baby was born. Talk about stress-free and reliable! Nhan was professional, responsive, and on top of every detail. I couldn't have asked for a better experience and highly recommend him to anyone looking for a smooth and trustworthy mortgage process. Will be referring him to everyone!

Stephen went above and beyond during mine and my boyfriend's first home purchase. He was super…read morecommunicative and even connected directly with my agent to ensure everything went smoothly. We recently had the opportunity to refinance and without hesitation, Stephen reached out directly to us as soon as he noticed rates were coming down. We did not need to chase him for it nor constantly inquire about it--he just felt like it was the right time and reached out! I'm very grateful for Stephen and his team and will definitely be referring him to our friends and family.

Based on his numerous good reviews, I messaged Stephen early last August about the possibility of…read moregetting a United Wholesale Mortgage (UWM) 15-year fixed home loan at 1.99%. This was a new program announced by press release, which I read about in a Yahoo! Finance article, through a link on Google News. Having worked previously in real estate and finance, I knew what the key points were to our situation, so I included those in the message to Stephen, asking whether he would be able to do the loan. Stephen responded abruptly by saying that he would have to talk with me by phone, to discuss "details." After I called him, he proceeded to try to browbeat me into accepting a different program at a higher interest rate. His approach was to use old-fashioned psychological pressure tactics, along the lines of: "Are you so naïve that you think you could actually get such a loan? That rate is just a teaser that you would never actually get." He was crude, demeaning and even insulting. I informed him, politely, that I had a background in real estate and finance, so I was not naïve about these things, offering him one last chance to do business with us, if he was so inclined. But he insisted that the loan would not be possible for us, so I thanked him and said goodbye. Shortly thereafter, I found a straightforward loan broker who in fact did the loan for us, on exactly the terms I had in mind: 1.99% 15-year fixed, with a reasonable fee. We closed in less than three weeks and none of the things that Stephen said were obstacles turned out to be an issue. I am pleased to report that my wife and I are now enjoying substantially lower monthly payments. BOTTOM LINE: If you want someone with an "old-school" approach to sales--involving psychological games, pressure tactics and absence of transparency (resulting in your not getting the best deal that you could)--Stephen Wong may be a good fit for you. Anyone interested in connecting with the straightforward broker we ultimately used is welcome to send me a private message, as I'm not allowed to include that information in my review.

We will definitely refer Chris and his team to all our friends and family. We recommend them to…read moreevery home buyer out there looking for a loan. Their personalized, very meticulously planned and diligent approach helped us close in less than 30 days of first approaching them. Unlike some other lenders I sought help from, they were always prompt in replying to emails and answering their phones. Chris and team - My wife and I want to thank you all for the effort put into this deal. Closing in less than 30 days was a big challenge but you guys did it. We couldn't be more happy about this partnership. Thanks, Pavan

Thank you once again to Chris and The Kolyszko Team for helping us with our most recent…read morerefinancing. I have known Chris for more than 8 years now and has always done exceptional work for our mortgage loan and refinancing needs. The excellent support they consistently provide makes you feel at ease and that you are cared for with great attention during the whole process. We will never hesitate to recommend Chris and his team to all our friends and family! Thank you for another positive experience during our mortgage refinancing.