Working with JVM lending has been a real pleasure, and I cannot thank Victor Flynn and his team…read moreenough for assisting me in this process. This is the 2nd time I have used JVM, and they have provided top-notch service throughout. I would like to give a special call-out to Victor Flynn. In this 2nd time working with JVM, I told Victor that his speediness in my first transaction 3 1/2 years ago made me realize that he was "in like Flynn"--in that he was right on top of getting things moving from the very first day after I had contacted him regarding my mortgage needs. Victor's explanation of my various options this time around was presented in a totally clear manner, and he and his team were available to assist me at all times. I also really appreciate the fact that there was no pressure upon me, as I was not ready to get the move going for 6-9 months after my initial conversation with Victor this time around, and other than 1 or 2 check-in emails from him, there was absolutely no high sales pitch from them, and no "push" or fear tactics regarding the market. I highly recommend Victor and JVM team for anyone who is planning on selling and/or buying a home in the Bay Area. I have no hesitation in giving Victor and his team a 5-star recommendation.

Any lender can offer you a mortgage rate, but not every lender is easy to work with. JVM goes above…read moreand beyond to ensure that you are supported and keeps you in the loop every step of the way. My husband and I worked with JVM to secure a loan for our new home. I appreciated that there was someone on-call over the weekend, especially when we wanted to get the ball rolling for pre-approval. I was also very impressed with the JVM team's communication. They were incredibly responsive and made sure all our questions were answered. Many thanks to Hannah, Jenna, and Erin for working with us throughout the process!

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 exceptional in helping my buyer which had a below 600 credit score and qualify for a FHA…read moreLoan.. He delivered on time and made it a smooth experience for all involved.. Go to Mike to get it done.

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.

After speaking with a few lenders, I reached out to Providential and it was immediately clear that…read moreTuan and his team operate on a completely different level. Everything was professional and above board, but his experience and guidance made the process feel far more approachable and comfortable than I expected as a first-time buyer. He offered thoughtful insight into the nuances of the process, communicated clearly and consistently, and helped me understand what really mattered at each step. Both my agent and the seller's agent were impressed, and we were able to get our offer accepted on the first home we pursued. Once you speak with Tuan, the difference is obvious. Highly recommend.

Tuan and Mike were absolutely amazing to work with!! Tuan was always available to answer questions…read moreand break down the process for us.

Jeanine is quick, responsive, and very detailed throughout the process of our refi. I highly…read morerecommend her to anyone else that is looking to do the same!

First time home buyer and Jeanine took care of us like family. She took calls and responded to…read moretexts at any time of the day. She was able to answer my questions in terms that I would understand. From the start she knew our concerns and worked around it such as hard and soft credit checks. She was amazing to have on our side because once we started putting in offers, she was able to accomodate any timeline our realtor put to have a competitive edge. Besides her website providing notifications and reminders, she personally texted to remind us what documents were pending. She was able to get us a good interest rate and really broke down the differences in how much we put down and how that would affect the interest rates. She even broke down future recasts and how that would lower our montly payments. I'm glad to say she'll be my broker for life or until she retires. Can't wait for her call to say lets refinance when the interest rates lower.

My husband and I have worked with Greg three times now for our refinances, and we wouldn't go…read moreanywhere else. Greg is a top-tier professional whose communication is always sharp and timely. Even when challenges arise that might stop other lenders, Greg consistently gets the job done. We trust him implicitly and will only refer our friends and family to him. If you want a seamless experience, Greg is your guy

Ellice and Brent are our one and only Go To for everything mortgage. It's been this way for more…read morethan 20 years now. We just closed on a purchase in a very hot and competitive market. They were consultative and helped us strategize on this transaction and we highly recommend them.

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.

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!

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.

I hired Brady and his team through a trusted referral source and I'm so glad I did! My initial…read moremeeting was with Brady remotely and it was extremely satisfying as I laid out my goals and financial situation and received guidance as to how I could achieve these goals. As the process unfolded I was in communication with him and members of his team who were very knowledgeable and clear and any questions I had were answered in a timely manner. I am very happy with the result. At closing they donated a certain amount of money to the charitable organization of my choice which was a sweet surprise! I feel very grateful to have had such a positive experience!

I was recommended LaSalle's services from my realtor and this was hands down the best (and easiest)…read moredecision I had to make through my home buying journey. I had spoken to a couple of lenders, brokers and banks earlier but Brady was consistently thoughtful and honest when I asked him all my newbie questions and a couple of tricky ones. Laura was my loan officer and she was super efficient, addressed a couple of small issues with the lender and was very communicative. I hope I don't have to take too many loans the size of the one Brady's team got me, but if I do, I'll be going right back to LaSalle! Make sure to follow him on IG for some great content too!

As first-time homebuyers using a VA loan in one of the most competitive markets around, we needed…read moremore than just a lender -- we needed a true partner. Mike Trejo and his team at Bridge Point Funding were exactly that, every step of the way. Mike's knowledge is genuinely comprehensive: financing, inspections, offer strategy -- you name it, he knows it. He has assembled an A+ team, and that made all the difference when it came to submitting competitive bids with quick closes and every detail handled flawlessly. During the toughest stretches, when we were outbid in some of the most heated markets, Mike was always there -- helping us strategize, process the disappointment, and come back stronger with clear lessons learned. Because of Mike and his team, we got our dream home. They have our strongest possible recommendation, and we would not consider going through this process again without them.

At this point, I've lost counted how many times we have used Mike and this team with our mortgage…read moreand refinance needs (four times? Five?) But all that speaks to is the main reason why we keep coming back to them: their thoroughness, communication and genuine sincerity to always get us exactly what we need every single time. We cannot recommend Mike and his crew at Bridgepoint any higher!