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    Eric Garnicki - Your Mortgage Guy

    5.0 (17 reviews)
    Closed 8:00 am - 6:00 pm

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    Ask the Community - Eric Garnicki - Your Mortgage Guy

    Review Highlights - Eric Garnicki - Your Mortgage Guy

    Eric, with his pretty good presentation skills, represented us really well to the seller agent.

    Mentioned in 2 reviews

    Read more highlights

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    Stephen Wong - Bayone Reic - Same

    Stephen Wong - Bayone Reic

    (204 reviews)

    North San Jose

    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.

    C2 Financial Corporation - Shawn Sidhu - VA Loans - One of the many types of loans we handle

    C2 Financial Corporation - Shawn Sidhu

    (167 reviews)

    Downtown

    Here is my new update five years later. I went back to Shawn in Jan 2021. I was hoping to refinance…read morethru my current lender to make things easier. It didn't go well as I expected. After consulting with Shawn, I was much happier. I recalled the great experience with Shawn five years ago. And I didn't waste time shopping around. Shawn is an exceptional broker. He is fast to respond to any questions I had and always being so patient. He always provides in front with different options illustrated by clear graphics and worksheets to compare, which is extremely helpful and efficient. He never rushes his clients and always waits patiently to let his clients make their own decisions. He provides his clients very competitive rates. When siting down with our notary to sign paperwork, our notary also told us how pleasant to work with Shawn and he has always been impressed by Shawn's efficiency and clean numbers. Shawn is a perfect example of a five-star broker, who has top-notch knowledge and provides top-notch customer service. I could definitely recommend Shawn to everyone I know.

    We were first-time homebuyers and were pretty overwhelmed with the home buying process, but Taylor…read moreand Shawn at C2 Financial made the whole process feel easy and pretty straightforward. They were very responsive, kept us in the loop throughout the entire process, and explained everything clearly. What we really appreciated was how much they handled behind the scenes, which made things feel so much smoother on our end. They were great to work with, and we'd definitely recommend them to anyone going through the mortgage process!

    Todd Flesner - CrossCountry Mortgage - Trusted Advice

    Todd Flesner - CrossCountry Mortgage

    (21 reviews)

    Willow Glen

    Todd is literally a MORTGAGE MAGICIAN!! I was originally working with another mortgage broker but…read moreran into an issue where our loan amount was reduced at the eleventh hour during escrow. Feeling completely burnt out and disillusioned, my real estate agent recommended speaking to Todd. I thought it would be impossible to get approved for a loan in less than a week. After jumping on a conference call with Todd, my whole attitude changed. I felt immediately at ease and I could tell he was a creative thinker and problem solver! I knew he was our guy! We spoke about it being a tall order to get a loan approved so quickly but he also said he was confident he could get us done! He didn't let us down. After working with Todd, I realized that there are only three things that really matter when selecting a mortgage. -Pricing: The fact of the matter is that the interest rate Todd quoted me was consistent with the rates offered by the large banks, which are traditionally known as having the lowest. There were no points or any other charges which was great. -Execution: From pre-approval to closing, Todd and his assistants Karen and Carmen were amazing and on top of everything. My husband and I are both self employed and I would consider our financials to be "messy". Karen was the ultimate professional and very thorough. -Service: Todd and his team were very easy to work with. As a first time buyer for an income property, I felt as if I had a friend helping me through the whole process. There is no doubt that Todd is a very intelligent person, but the true distinguishing quality was his sense of empathy and level of patience that could rival a monk. He also understood what the lender needed and I found Todd to be exceptionally creative! He never saw a hiccup as an issue, he always looked for and found a solution. Todd took countless hours out of his schedule to explain all of the nuances associated with the process and the actual mortgage itself. He was very easy to reach and would give me all of the time I needed to go through my list of concerns and questions. My overall experience with Todd and his team was fantastic, and I will surely be recommending him to everyone I know. Todd, if you're somehow reading this, thanks so much! We look forward to doing more business in the future. Thank you again for all your hard work! I owe you a nice big bottle of Irish Whiskey!!

    Always a smooth and professional. Their expertise and communication make collaborating effortless…read more Highly recommend!

    Eric Garnicki - Your Mortgage Guy - mortgagebrokers - Updated June 2026

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