I've been working with Dan (and his daughter) at Emerson Financial for five years, and they've been incredibly helpful. Dan advised me through the home-buying search then through the two-year wait to refinance. Dan consistently tracked market ups and downs, offering great advice on managing my loan and navigating the volatile market without losing my mind. He's not only friendly and incredibly smart, but he also provides just the right amount of detail without overwhelming me with financial jargon. His organized approach makes everything easy to understand, and I'm definitely looking forward to continuing our work together and recommending him to all of my friends. read more

Just got off the phone with Dan. Told him my situation, low credit score, let him know I had a offer from a motgage company. He stayed on the phone with me for 10 minutes giving me financial advice and letting me know the loan quote I got from the other company was a good one. Thats honesty. Nothing to gain, but had no problem taking time out to give good financial advice. I will definitly refer Emerson Financial to my friends and family. Thank you Dan! read more

An easy 5/5! We recently had the pleasure of working with Dan Emerson for our first home purchase, and he was nothing short of phenomenal. His responsiveness and dedication to our needs were unparalleled, answering the phone at all hours and giving us next steps when we needed them. We had a bit of a fast close, and Dan's expertise in the housing market and financial nuances made what could have been an overwhelmingly complex process seem smooth and manageable. He consistently went above and beyond, advocating for us at every turn and ensuring we got the best deal possible. To anyone looking for a lender in the Bay Area, I couldn't recommend Dan Emerson and his team enough. His professionalism, knowledge, and genuine effort to support his clients are exactly what you'll need. read more

Dan is fantastic. He is the first home finance person I've found who could not only keep up with me, but was a step ahead. I've unfortunately had the experience of having to flog finance folks to get things done, but with Dan, that was not an issue at all. We joked about both being type A's. Dan helped me with a complex refi- and unit purchase and was able to get the title company in line so that it all worked out. Dan also secured an amazing rate for me. It was .7% better than what I was being offered elsewhere, for exactly the same transaction. Wow. In addition, Dan had a suggestion for how to structure my transaction differently than what I originally had in mind. It ended up being fantastic advice that added a ton of value to my deal. I really couldn't ask for more from a home finance person. My one selfish request, if you are going to work with Dan, is be organized and timely so that you make good use of his time. :) read more

We worked with Dan on the purchase of our home, and he is as advertised -- knowledgeable, effective, and extremely responsive. To begin, Dan was an advocate for us with the seller during the offer phase and ensured they could expect a swift close. Then, Dan made navigating loan approval easy. Finally, Dan ensured we timed our rate lock perfectly amidst a tumultuous market. He was truly available at all hours. All of this saved us stress, and money. We highly recommend Dan and look forward to reconnecting down the road. read more

We worked with Dan on two refinances. On our primary and a second home. He handled it all and made the process seamless. As a self- employed person the banks ask for the sun and the moon. Dan was able To put them in their place with certain requests and made the deals happen. In the end we got awesome rates and saved ourselves $2500 mth between both Refinances and we paid off some debts. We enjoyed working with Dan and will do it again! We will be coming back for an equity line with him in a couple of months. Thank Dan and crew for your help and professionalism! read more

We've gone through Emerson Financial multiple times for various transactions. Staff are fast, competent, responsive and do an excellent job of explaining each step in the process. Have used before and will use again! Thanks guys! read more

Dan was amazing to work with! Being a first time home buyer I really appreciated how thorough he was. Dan took the time to explain every detail of each step, which made me feel comfortable and confident in moving through the process of applying for a home mortgage. He stayed in tight communication with me, my agent, and the sellers agent-- and we all agreed that he was efficient, timely, and trustworthy to get the job done! I'm so glad my realtor recommended Dan to me, and I would happily extend this recommendation to my friends and family! Thank you again for everything Dan!! read more

Michelle was such a blessing to work with! She was incredible with her communication - only called or emailed to deliver good news and next steps, and made sure that I never felt stressed throughout the process. Not only did she make sure that this was a hands-off process for me, but she overdelivered on the rate I got. I'm saving more money than I originally expected, and it's thanks to her doing all the research! I've worked with 3 mortgage brokers before (also with great reviews on Yelp), but she is THE BEST and I will only go to her in the future! I'm incredibly thankful that I got to work with Michelle, and will be recommending all others to her in the future! read more

I contacted Emerson Financial based on the reviews and ratings on Yelp. My experience with Michelle definitely shows why they're five stars! She helped with me refinance from a 30 year loan to a 15 year. I thought the process would've been stressful but Michelle made it easy and smooth. Extremely professional and answered all my questions. I'm super satisfied with the rate I got when it's all said and done. Work with Emerson and save yourself time! read more

1st off, thank you yelpers!!!!!!! I know some folks frown on relying on reviews, but reviews have been pretty good for me and these are fantastic and glad I followed them. I have experience with all the BS of buying and selling homes. Not the smart sense of the experience but all the mumbo jumbo stuff lenders try to tell you and all the time wasted going back and forth with paperwork. Michelle is great and hit all the flag words to calm my nerves. She made everything so easy!!!!!! OMG why did we not find you sooner. If you are ready and have all your info in order, call them. If you're not and confused, call them. They can adjust according to you. It was no nonsense and that was a great thing. Michelle was honest and sincere and what sold me. Great people!!!!!! read more

WOW! Dan, Michelle and Emerson Financial went way beyond what any other lender / broker has ever done. They also completed or transaction in record time! I cannot say enough about the level of service. I highly recommend them for your next purchase or refinance. Thank you Dan!! read more

I'd like to give Dan more than five stars as he certainly deserves more. This was the second time I've gone through Emerson Financial and I can't foresee ever even considering any other mortgage broker. Over 30 years my husband and I moved frequently and never has any other broker worked as hard and tirelessly as Dan. He worked out an absolutely incredible loan at an amazing interest rate. I couldn't have been more delighted. If you are looking for the best possible advice and best loan that you can get, go with Dan. By the time you've signed all the papers & everything is done, you'll feel you have also gotten a great new friend. read more

Dan and Michelle were beyond knowledgeable and helpful! Moving through the home buying process can be a bit of a back and forth of document collection and being in the dark. That was NOT the case here! Dan had us informed during every step, made sure we understood what we were signing, and continued to follow up with wellness checks. I had nothing but a great experience and happy to be a new home owner because of it! This all in large part due to Dans knowledge, understanding, and quick action! We closed in less than 20 days during the holiday break! A true miracle! I have nothing but high praise and recommendation for Emerson Financial! read more

Michelle is the best!! She is extremely knowledgeable & is very flexible with her time. She always makes sure we know that we can reach out to her anytime & any day! My husband & I have done 2 home refi's & a purchase with Michelle and we have had nothing but great experiences with her. She made sure everything goes smoothly & kept us updated every step of the way. She goes out of her way to make the process as easy & seamless as possible. I've recommended family members to Michelle & I would recommend her to anyone who is looking for a home loan or refi. You won't regret it!! read more

Dan was wonderful to work with. He and Michelle went above and beyond to get our loan approved and home purchase closed as quickly as possible. Although I won't miss much about being in escrow, I will miss having regular conversations with Dan! I would recommend Emerson Financial to anyone looking for a home loan in the SF bay area. Dan knows everyone, knows the industry, and knows how to make sure you feel comfortable and are continuously updated on the status of your loan. read more

Dan Emerson was absolutely amazing to work with. My fiance and I were looking to buy our first home with little understanding of the home buying process. Dan walked us through every single step, answered every question we had immediately (sometimes even late on weekends!), and went the extra mile at every single turn. We ended up finding a home we loved and closed on it faster than originally planned. I would recommend anyone who's looking to buy a home to work with Dan. We definitely will work with him again in the future! read more

Love working with Michelle. She is extremely knowledgeable and professional and very generous with her time. I have done a purchase loan and a refinance loan and both experiences have been stressed free. I highly recommend Emerson Financial. Thank you, Michelle, for being a trusted advisor and friend. read more

Michelle was SO helpful from the moment I first talked to her about refinancing my home loan. She was incredibly knowledgeable, in constant communication, and extremely proactive in locking us in when she saw the markets starting to shift. It was a pleasure working with her and Emerson Financial, and I HIGHLY recommend them! read more

We had a great experience working with Dan as first time home buyers. He was very professional and attentive to every move on the process. Always found time to spend with us calling him, any time of the day, or returning calls. Lots of good calls about "when" and "how" to do the best moves in this crazy market that is going on. Tip top know-how and expertise. Beyond all the expectations. We thank him so much! Great personality. We do recommend his professional services to anyone, specially if you are a first time home buyer. Aloha Dan!! read more

I just closed on my refi and wanted to THANK Dan and Michelle for getting this done for me! I am self employed and getting a 1099 loan done during COVID (and the holidays) is NO small feat. Dan had to jump through many hoops and did so seamlessly and with a smile no less. I am not the most patient person when I am super busy but Dan was able to navigate the details and get the job done. I highly recommend! read more

Dan and his team have been amazing. We were able to close on our house a week earlier than anticipated, and the entire process was smooth and painless. Dan and Michelle went above and beyond what we had expected in a lender. They were not only able to help us close earlier with short notice, but they had even went the extra mile to work with the credit bureaus to improve credit scores, and subsequently helping us lock in the best interest rate possible for us. Dan maintains great communication with us, our agent, and the listing agent, and also even researched the houses that we were making offers on. I always felt that he was available to take my calls to answer any questions or concerns, even outside of business hours. We would 100% recommend Dan and his team for anyone trying to purchase a home in this crazy market, and we're really glad we went with them rather than a large bank. read more

We just refinanced our mortgage. We were very happy with their service. Michelle is super: friendly, helpful, patience. She got us the best deal and made the whole process a breeze. Will definitely recommend them. read more

The best part about Dan is the length he goes to explain what is happening. The extra detail makes the overall process much better. Dan goes out of his way to make sure I understand my choices and make the best decision. read more

IWe first met Dan through my broker, from the start he was the most efficient, experienced representative I had ever met from their things went smoothly efficiently and quickly. His resources are vast. He is treated with respect and has been a tremendous resource for other financial institutions and us. I highly recommend Emerson financial above any and all companies. Thank you Doug Jukich and Lisa Hernandez read more

I can't thank Dan Emerson and his crew for making our refinance so easy and smooth. Great communication throughout the process. No surprises or delays. He got us a great rate and locked it in when it became available which saved us quite a bit of money each month. Thank you so much Dan, Bill McDonald Redwood City read more

I contacted Dan to discuss my more complicated loan process (Trust/Pay-off and completing my separate mortgage loan) and couldn't be more happier and satisfied how the whole process completed!! Dan and Michelle are very knowledgeable about the loan markets and process, and have excellent follow-up communication (status emails and calls as needed as well as quick response time!) on the various documents and information needs. I would definitely recommend Emerson Financial to any of my friends and acquaintances! I look forward to working with Dan when the rates, hopefully, go back down for a possible refinance. read more

Talk about going the extra mile! Dan helped me when nobody else could. Through his sources, he found the perfect lender for my needs. AND not only did he find the lender, because I was under extreme time pressure, he got the loan closed before my deadline. I've used traditional lenders, WF, BofA and they don't have the expertise, knowledge, and resources of Emerson Financial. He was thorough. He was ready for any and all underwriting question. He made sure I had the answers before they asked the question. For anyone looking for the best service on any kind of mortgage, Dan is your man. I would recommend him to any and all my friends and associates. read more

I was close to closing with another refinancing company, but they were stalling for some reason. I'm glad they did and that I reconsidered closing with Michelle instead, because she was able to get me an even lower rate than my targeted rate and we were able to close it less than a month. I've already recommended her to family and friends and I look forward to working with her again in the future. read more

My wife and I have used Emerson Financial twice now as our mortgage broker. Dan and his team are professional and amazing! Dan is always looking out for his clients best interests and he works very hard to get you fast approvals and the best rates. He has a wonderful personality and I always enjoy our conversations. Call Dan's office now. You will not regret it! Thank you Emerson Financial! read more

Dan made the impossible possible. He is thorough, readily available, and willing to sit with you to find a solution that you need. He found us a loan that was better than any of the other lenders offered, as well as manage to have us avoid PMI, and in a time period that most people said shouldn't be possible. I am a first time home buyer, and he helped me thru a difficult process that was made very easy by him. read more

We would not have been able to buy our first home without Dan Emerson. He is truly one of a kind. An amazingly talented and dedicated mortgage broker who knows his job and performs it with excellence and care. Most people I have spoken to in this business sound like unscrupulous used car salesmen. They come across as dishonest, self-serving, and all around slimy individuals. Dan Emerson is a class-act. He interacts with you like a human being, not a salesman or pitch-artist or anything disingenuous. He is open and honest in all his dealings with you. Not only did Dan bend over backwards and move mountains in order to get us our dream starter house, but a few years later he did seemingly impossible miracles when we refinanced. Locking in a low rate is one thing, but he was able to eliminate our PMI, eliminate all of our out of pocket costs, lower our mortgage considerably, AND get us a refund check as well! All in a day's work for Dan Emerson. Give him a call. You won't regret it. read more

Dan and his team were exceptional !! I had some very complicated loan and mortgage needs and Dan worked through all of the issues and made what I thought could not be accomplished happen. I would highly recommend Dan and his team for all loan needs !! David H read more

I have refinanced my house a couple of times with Dan, and I cannot believe how proficient and professional his services are. Not to mention he is a really great guy, and is willing to give his undivided attention to make sure a refinance is even worth considering. I have sent several of my friends to Dan as well. They have all been very impressed with his quick assessment of their individual financial situations. If it doesn't make sense to Dan, he will be the first to let you know. In other words, he isn't out there trying to take every deal he can. Dan has even served as a mentor in my own professional life. In the middle of negotiating my profit sharing agreement with the company I work for, he offered up some great advice as he had been in a similar situation before himself. Turned out to be just the advise I needed to follow. Dan is the man! read more

I've had to do a more than a few loans over the years and by far, Emerson Financial was the best experience. They made everything easy, they are extremely efficient and professional. Michelle is so pleasant to deal with and worked extra hard to save costs and get the best rate. read more

Dan is a rockstar. Helped us out even though we were working with someone else at the time. Honest, professional, calm and very responsive. Would call on no one else in the future. read more

Dan and his daughter were very professional and took the time to lay out all the options. He was able to walk us through the entire process and suggest the best loan for our situation. There was a difficult issue we had with the title and he was able to get it all straightened out. We are so happy with their consistent service and great rates! Thanks guys! read more

Michelle was superb. Our situation was complicated (startup founder, digital currency, overseas rental income, etc)... Michelle handled it all with faultless precision, clarity and found perhaps the only lender who would work for us! Throughout she would answer the phone outside business hours and even fielded a call at something like 5am for us.... I cannot thank her enough for helping us move into our new home!! read more

Dan and team where a pleasure to work with. I would highly recommend to anyone looking for top quality loan professionals. I gave Dan the impossible 20 day close just to get sellers to agree to me, and he completed the work on time. This is why I'm moving to my dream home!! Dan has been doing this for a lot of years and the people he has trusted in him, matched with his experience was exactly what I needed for this transaction to finalize. Awesome Awesome Awesome tell everyone about Emerson Financial. read more

Dan is amazing.I started my search for a mortgage broker/financier with multiple people. In my first meeting with Dan, I realized how good he was compared to the others. Here are a few reasons I had a great experience working with Dan - - He is clear and direct. I do not like financiers who patronize first time home buyers and insist 'trust me, its ok'. I really liked the clarity with which he understood and explained both the financial technicalities and the process of financing a home. - He provided the right amount of direction and feedback through the process while respecting our decisions. - Speed of processing - We were on a tight timeline since we had to remove contingencies quick, and we had to travel abroad in a few weeks. Dan helped us get through the loan process really quick. - Watching out for rates - Dan kept a close watch on the rates and the forecast indicators. He regularly shared the updates with me to help me make the call. In the end, we saved a decent amount by locking in a week late. - Being there - At one point before closing escrow, we had some glitches with the home insurance process. Dan and his office helped us work through that efficiently and kept the whole deal on track. At no point we felt 'on our own' to sort it out. I liked the way he conducted business and took ownership, and also provided a mentoring presence throughout the process. And last but not the least, he recommended us the realtor team that we ended up choosing. Overall, Dan was amazing throughout the process and I will highly recommend him. read more