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.

Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

Sometimes, when you see reviews on Yelp and most or all of them are 5 stars, you wonder if someone…read morepaid all their friends and relatives to write reviews, LOL. In this case no need for doubts, Chris deserves all of the 5 star reviews. He made the whole process as painless as possible and was super responsive when any questions or issues came up. Highly recommended!

Peruz Jelveh truly earned his nickname, "The Fixer."…read more He came highly recommended by my personal lawyer, and now I understand why. He helped me buy my forever home in Danville, the very home I had been renting and dreaming of owning. Because this was a jumbo loan, the deal was anything but simple. My previous broker had the file for three months and could not get it across the finish line. Peruz stepped in at the final hour, brought in his incredible team, and got to work immediately. What had been sitting for months, Peruz completed in just four weeks. He probably could have closed it in three, but he pushed it out one more week because he found a way to save me money. In the end, he saved me over $25,000 in closing costs. Peruz fights for your deal like it is his own. He works around the clock, thinks through every detail, and does not back down when things get complicated. I have worked with many brokers over the years, and Peruz is the one I plan to call for every future deal. When you find someone this committed, capable, and willing to fight for the best outcome, you keep them on your team. If you have any doubts about how to structure a complex transaction, Peruz is your guy. I am forever grateful to him and his team for helping me become the owner of my dream home. There is a reason people call him "The Fixer." Now I know why.

We were referred to Peruz by a longtime client and friend of his a highly decorated, retired…read moreContra Costa County first responder who served over 30 years. As a first responder myself, that referral meant a lot. After working with him, we completely understand why he was so highly recommended. Peruz made what could have been a stressful process feel a lot more manageable. He took the time to walk us through everything, answered all of our questions, and made sure we felt comfortable with every decision. We never felt rushed or pressured. What really stood out was how hard he worked to find the right loan for our situation. He wasn't just trying to close a deal -- he genuinely wanted what was best for us. Because of that, we ended up saving a significant amount of money. You can tell he truly cares about serving first responders and veterans. We're very grateful for his guidance and would absolutely recommend him to anyone looking for someone honest, knowledgeable, and easy to work with.

If I could give Jeanine more than five stars, I would…read more Buying my first home at 63 years old after a lifetime of renting felt exciting, overwhelming, and at times downright terrifying. From the very beginning, Jeanine was so much more than a mortgage broker, she became a trusted guide through every step of the process. No question was ever too small. She patiently explained things I didn't understand, kept me informed every step of the way, and somehow made a very complex process feel manageable and even possible. Whenever a new document, underwriting request, insurance issue, or unexpected question came up, Jeanine was there with calm reassurance, knowledge, and practical solutions. What impressed me most was how deeply she cared. I never felt like just another client. She worked tirelessly behind the scenes, coordinated with my realtor, escrow, insurance broker, and lender, and always had my best interests at heart. I truly not only felt, but knew she was advocating for me throughout the entire process. Thanks to Jeanine, I am now the proud owner of my very first home. Looking back, I honestly don't know how I could have navigated this journey without her expertise, patience, encouragement, and unwavering support. If you're looking for someone who is knowledgeable, responsive, compassionate, and willing to go far above and beyond, I recommend Jeanine without hesitation. She helped make one of the biggest dreams of my life come true, and I will always be grateful.

Jeanine is the best! There couldn't have been an easier, informative, or blissful home buying…read moreexperience. Me and my husband reached out to Jeanine because I had known she came highly recommended on Facebook by Solano County community pages over the past years and knew she would be our go to mortgage broker when the time came. Thankfully she was easy to book a phone call with, and we started the process right away. We knew nothing about the VA loan when we first started looking into home buying, but Jeanine was so well informed about it that she answered all of our questions with ease. There was never a time we reached out to her that she wasn't readily available via text or phone call, so we highly trusted her to get the job time quickly. Even after closing, she remained in touch and let us know to reach out to her any time with any questions. She really is there for you your whole homebuying experience and after. I highly recommend Jeanine to anyone and everyone!

I was referred to Karen and team by a friend who had a great experience working with her for his…read morehome purchase the year prior. He had nothing but great things to say, so I scheduled a call with Karen when I wanted to get my own home buying process started. After our initial call, I felt much more knowledgeable about the financial portion of the home buying process, and knew that I wanted to go with Karen. She walked me through the process and let me know what was needed and what to expect. Once I found my real estate agent, I put her in contact with Karen as well so they could align on how quickly we could move if I did find a property I was interested in. My agent recommended I get fully underwritten in advance because of the highly competitive market on the peninsula, and Karen made it happen. When I found the property that really felt like home and I wanted to submit a competitive offer on, Karen worked closely with my real estate agent so that we could offer a 15 day close. Karen also called me during the offer process to help me understand the financial implications of contingencies (or lack thereof when the seller countered and asked me to remove the appraisal contingency), so that I could understand what kind of money I would need to come up with if the property did not appraise for purchase price (it did appraise at purchase price, by the way!) Thanks to Karen's guidance and incredibly fast work, I was able to purchase my first home as a single mom - a place that I was proud to surprise my son with once I got the keys. We closed a day early even with our short 15 day timeline. My real estate agent was initially concerned that I was going with a mortgage broker in the East Bay as the market in the Peninsula moves very quickly and is highly competitive, but after the initial call with Karen my agent was put at ease, and once the process was done she mentioned that she really loved working with Karen and could not believe how fast she got things done. The escrow officer also mentioned how great Karen was to work with and asked how I had found her. Karen and Anna on her team were a pleasure to work with. They helped me understand every step of the process, answered all my questions, and got me set up to make the strongest offer possible with a short close and underwriting in advance. I can't thank them enough, and highly recommend them to any prospective home buyer.

Karen is awesome. I was trying to refinance our mortgage and look at buying a second home and we…read morehit some unexpected issues and Karen was all over it. I would highly recommend Karen - she is smart, focused and reliable. I am happy to be working with Karen!

Raymon is a very knowledgeable, responsive and upfront professional. He has deep insights in the…read morefull mortgage financing lifecycle. I had many questions regarding what steps need to be taken and Raymon has been very patient in answering them. All that we talked about on chats and on the phone were clear and transparent. I would highly recommend Raymon to anybody that needs mortgage related services.

Raymon was highly communicative and very knowledgeable with his craft. His team got me the rates I…read morewanted and the process was hassle-free. Got updates from him and his team almost everyday, from start to closing. Highly recommend him and his team. Will be coming back to them for any other mortgage needs.

We first talked with Steve during the 2020 pandemic year, when we first thought of purchasing a…read moreproperty. He was very knowledgeable, and took the time to answer all of our questions - even with the uncertainty of how the real estate market was in 2020. He also did loans and it was great to have to just work with one person on real estate and loan questions. Flash forward to 2022, we ultimately held back on purchasing a property during the HOT market and settled on an area unfamiliar to Steve on the real estate. We went through a recommended local real estate agent in the area we purchased, but Steve continued to give us great advice on real estate. We also wanted to continue with Steve on our loan needs, and he made the process super EASY. For those that know the process of purchasing a home, it can be quite overwhelming. Thankfully our loan process with Steve was the smoothest and easiest of all the tasks needed to purchase our home. I'll forever be grateful for that, and would recommend and continue to work with Steve in the future.

Go with Steve and your life will be a BREEZE! This man took…read more2 days to sell our condo and saved my family from serious financial hardship! He is a triple threat being a Broker, Realtor and CPA. 5 star customer service, 5 star connections and 5 star recommendations. Trust me when I say I am not one to exaggerate. This man has a vision like a true artist and impeccable taste. He doesn't miss any single detail and He turns your home from drab to fab making magic happen. I can't say enough amazing things about Steve St. George Realty, but if you want more info on my personal situation feel free to message me! Thank you Steve!!!

I have been through the mortgage process about 10 times now. Working with Steven for the last two…read moremortgages has been the best experience by far. He is extremely knowledgeable, trustworthy, honest, and got me the absolute best rates out there (others didn't come close). He has made the process completely painless and he knew what was needed up front. Other brokers require a ton of back and forth fetching or updating documents, where with Steven it has been pretty much one and done for me. I highly recommend reaching out to Steven. I personally recommend him to everyone who is looking at buying or refinancing their personal home or an investment home.

I had an outstanding experience refinancing with Steve Booras and the SmartRate team. Steve was…read moreprofessional, honest, responsive, and incredibly knowledgeable throughout the entire process. He made everything easy to understand, kept me updated every step of the way, and worked hard to secure a great refinance for my family. If you're looking for someone who truly puts your best interests first, I highly recommend Steve Booras and SmartRate. Thank you for making what could have been a stressful process smooth and seamless!

Sean is the only person you should trust your mortgage with. Amazing communicator, concise process…read morelayouts and honest throughout the entire process from start to finish. My wife and I are eternally grateful for his help, you don't run into many people as prepared as him--don't waste your time with anyone else!

We had a great experience working with Sean as first-time home buyers. He was super knowledgeable…read moreand always took the time to explain things in a way that actually made sense. He literally helped advise us on every offer we submitted, which made us feel so much more confident throughout the process. Once we finally got into contract, Sean and his team made the loan process really smooth and straightforward. They were responsive, organized, and kept us updated along the way. We're really grateful for Sean's guidance and would definitely recommend him, especially to anyone buying a home for the first time!

I have nothing but good things to say about Hal and his team! We were first time…read moreHome buyers who knew very little about the process, but he listened, explained and answered every question with the upmost professionalism and patience. He walked us through every step and even got us the lowest interest rate we could get. People have often told me to shop around for different lenders, but every other lender that I reached out to, was too pushy and eventually I would have to owe more money even though they claimed they would save me 5k plus! Hal is an honest and genuine person who I am lucky to have met and I cannot thank him enough for helping us get our first home! It's hard to recommend anyone unless my experience or trust in an individual is nothing short of 100% and I would 100% recommend Hal to every one of my closest friends and family! That explains how much I trust and thank this individual.

Worked with Hal through the home buying process in getting a loan. Hal is super knowledgeable and…read morewas able to guide us step by step in terms of what is needed and expectations. I highly recommend working with Hal!!!