Alexandra provided smart recommendations to improve our rental property and we changed our windows…read moreand a blinds to meet a new code for safety. We appreciate the timely advice! Thank you Alexandra!

Alexandra Moari is exceptional. I live on the East Coast and needed someone I could trust…read morecompletely to manage my California home, and from the very first phone call, I knew I had found the right person. Even though I called at a terribly early hour by mistake, she answered with professionalism, energy, honesty, and total clarity. She handled everything with remarkable care and efficiency: preparing the property, coordinating details, marketing the home, communicating with prospective tenants, and carefully vetting applicants until she found the perfect tenant for me. Throughout the entire process, she was responsive, thoughtful, knowledgeable, and incredibly organized. Every question I had was answered quickly and intelligently, and every step was handled with real attention and care. What also impressed me was that Alexandra does not work alone. She has built a strong team around her, and that makes a real difference. Joseph and Mariana were part of that larger sense of professionalism and support, and it was clear to me that Alexandra has surrounded herself with capable people who help things run smoothly. She also has reliable handymen and other professionals at the ready, people who can step in quickly, fix problems, prepare the home, and make things happen without delay. That kind of network is invaluable, especially when you are managing a property from across the country. What truly sets Alexandra apart is her integrity. She is honest, hardworking, deeply committed, and truly represents her clients well. As an out-of-state owner, that gave me enormous peace of mind. I feel incredibly fortunate to have found her. She is now my property manager, and I would not trust my home to anyone else. Highly, highly recommended.

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.

We worked with Jay to get our first home and had such an amazing experience! Our situation was a…read morebit complicated, and we had even been told by another broker that we wouldn't be able to get a mortgage, but Jay was able to handle everything with ease and flexibility. Further, he was great with answering our questions as first-time home buyers, and giving us ideas of what financing would look like with different properties. We would definitely recommend him and plan to work with him again in the future!

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.

Mike was incredibly helpful and knowledgeable - would highly recommend him for your lending needs.read more

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!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.

I've worked with Tom Flinn on a TIC that I bought in August 2009. Tom has been very unprofessional…read morethroughout the transaction. He almost never picked up his phone directly and often took more than a day to respond to emails. He was mostly just forwarding my emails to the bank and their responses to me, since he was rarely able to answer my questions directly. Eventually, his estimated closing costs were over $4000 different from the actual closing costs and Tom refused to take any responsibility for his mistakes. I would strongly advise against having him as your mortgage broker.

Tom Flinn of Hill and Co. Real Estate receives our highest recommendation on our recently purchased…read moreproperty in SF. He was well organized and able to get through all the complexities and details of buying property in a fast changing and challenging market. He led us through the process quickly, and numerous times caught our mistakes early so that we were able to save time and money. Thanks to him, we went through the paper work efficiently and without having to go back and forth multiple times to get things done. He expeditiously handled the inspection process and got our inspectors there quickly so we were comfortable moving forward with our purchase. He respectively handled the seller and her realtor so that we did not encounter major problems in our negotiations. Day or night, anytime we had a question, we could call him or fax him for answers, and get a call back within a few minutes. He was always on the job for us. We are very pleased to have found him as a realtor and consider him a friend as well.

I recently bought my first home. A daunting process that went extraordinarily well with the help of…read morean excellent team but hugely from Valerie. Not only did she push through a very fast close but she did so while abroad navigating a family emergency. She was organized, meticulous and happy to answer all questions including those rather mundane, tedious, first-time-homebuyer-types. Escrow was seamless and at no point did I feel as though I was unsupported or going through the process alone. Valerie is an exceptional broker, a great communicator and very understanding of the emotional nature of first time home buying. I'm grateful to have her in my corner, she is wonderful to work with and I would absolutely hire her again for any future purchases.

I've worked with Valerie Avril on both my primary residence mortgage and a cash-out refinance, and…read moreshe's been nothing short of amazing. From start to finish, Valerie was incredibly responsive and communicative--I never had to chase her for updates, and she always made sure I knew exactly what was happening. What really sets her apart is how much she handles behind the scenes. Her team is organized, detail-oriented, and often took care of things before I even knew they needed attention. I truly felt like I was in good hands the entire time. One moment that really stood out: she worked persistently with my unresponsive HOA to push a deal across the finish line--something I know would've stalled without her tenacity. Valerie is someone I fully trust to get the job done, and I wouldn't want anyone else in my corner when it comes to mortgages or refinancing.

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 really loved working with Risha. She was extremely responsive and quick turn with everything. We…read morehad to make an offer on a home very rapidly and I was impressed by the speed which she was able to help us. She is also friendly and warm and extremely knowledgable about mortgages and the process which made us feel comfortable when working with her.

A year ago I moved to Texas and applied for a mortgage through Wells Fargo. I had a previous…read moremortgage with Wells for years. My credit score was 790-800. After 5 months of them not giving me a closing date I went to Trinity Mortgage and got approved at a lower rate in7 days and over the Thanksgiving holiday week. Then my nightmare continued when Wells bought my loan. Now I've been trying to get them to correct a misapplication of payments for 5 months. I was given a case manager to handle it and now it's worse than before. I have a sign in my yard of my new subdivision I live in telling people to see me before using Wells for their lender. I tell people in line at the grocery store this story. They are horrible.

The worst company to deal with. Total Rip Offs. If I could give and -0 stars that is what they…read morewould get. I will never have a mortgage through them EVER again. They forced me into to bankruptcy and never granted a loan modification. When I left them my mortgage interest rate was at 8.5% and it was an adjustable rate. No help or counseling ever reached.

Jason was great to work with. He was good about explaining everything and guided us through the…read moreprocess with ease. He was also on top of it and made sure we were getting the best rate. Would definitely use him again and recommend him to anyone.

I would highly recommend working with Jason for anyone who is values customer service during the…read morelending process. My wife and I worked with Jason to refinance our home this past spring. As we both work full time jobs we depended on Jason to follow interest rates, source lending options, and bring us the best solution that worked for us. Jason was a great communicator and helped us close on a refinance solution that has helped us save thousands of dollars. We appreciate Jason's service and would recommend him to anyone.

I have known Lucy for years. She is extremely talented at her profession. She has been a real…read moreestate agent, a broker, owned her own loan company and has won the annual Best Broker award a few times. She is very knowledgeable and helpful. She has a bubbly personality that makes buying or selling real estate a fun project.

Lucy Golden ROCKS - she is a mortgage broker - which means she finds you the best RE deal so you…read moredon't have to go shopping all over the place when you're trying to focus on buying a new home. She takes the insane confusion and makes it simple for you. Lucy is so darn trustworthy, extremely responsive (she always takes your calls and if she misses you, she calls you right back - what a concept), bright, articulate, sweet and compassionate - it's crazy how great she is. My deal didn't happen this time but it will one day and when it does - you can be sure I will have Lucy do my financing. And YOU should too!! Yay, Lucy!!