We have worked with Jay and Chris a couple of times now, and they are always consummate…read moreprofessionals. We have been very happy with the mortgage refinances they've handled for us. They are diligent and responsive to our concerns and never fail to get back to us promptly to handle any questions and provide thorough information about the process and status of the loans. We recommend Jay without any reservations whatsoever.

Jay is the best! I was referred to Jay by a friend after Big…read moreBank "X" declined my refinance loan because (after 2 months!) they could not get the proper insurance documents from my HOA. Jay stepped in and within 3 weeks a new loan was approved, at a higher appraisal value. Jay is able to quickly resolve problems as they come up, explains what is needed to keep the process moving, and what is needed to close the loan. I could not be happier and would recommend Jay to anyone.

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.

Heidi and Mary did an outstanding job helping us get our home loan funded. It was super easy to get…read moreall the paperwork requested. Both were always available and super responsive. Thank you ladies!!

I could not be happier with Call GMS-Fairway IMC! This is the third transaction I've done with…read morethem, and every time I have been equally impressed! I truly credit them with us being able to close escrow on our home 8 years ago and on our vacation home in August. Someone once told me if Guy Schwartz can't do it, nobody can! I truly believe this! They are always available to quickly and calmly respond to any of my concerns, questions or problems that of course arise in any escrow/loan process. I have referred them to family and friends, all of whom are equally happy! I highly recommend them!

My wife, Lyndsay, and I worked with Guy and Monica from Fairway Mortgage and couldn't have asked…read morefor a better experience. We were first time buyers, and from start to finish, we were educated and guided to make sure that we felt comfortable with each decision. They worked hard and fast to get us a great rate with a great experience. We will definitely work with them again!

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!

I would have chosen 10 stars, if I could. I just closed an escrow in Newport Beach with the help of…read morea fantastic lender Terra Sotelo of Apex Mortgage Solutions. Terra was superior in her ability to get things done, approved, on track, and on time. She was excellent also in explaining procedures to the client and keeping them calm and collected. Escrows are NEVER easy, but sure is great to have an expert on your "team". I highly recommend Terra Sotelo to anyone purchasing a home. Thank you Terra! Janet Thompson First Team Real Estate

Terra has been an awesome Mortgage Consultant. We have used her services when buying a home, and…read morefor re-financing a home. She always works with us, explains various aspects of the process, and gets us the best deal available for a new mortgage. In addition, she reviews insurance coverage and makes suggestions where warranted. I wouldn't want to work with anyone else - Terra is The Best! 10-stars!!

We had the pleasure of working with Rene recently regarding the financing for our new home…read morepurchase. We worked with Rene once in the past and were pleased with her level of service and knowledge. Rene is responsive, honest and organized. It is a relief to work with an informed professional who is able to guide you through this complex process. Rene went out of her way to communicate and keep us up to date through each phase of this lengthy process. She has made herself available as a resource to answer any inquiries in a timely manner. Rene gave us a great impression of Wells Fargo Home Mortgage and there is no doubt that the high level of service she provides has a direct impact on their success as an organization. For these reasons we wholeheartedly recommend Rene.

STAY AWAY!! I worked with Devoreaha Smith on my home mortgage in July 2016. She is…read moreunprofessional, unethical, and lacks all moral values. She deceived me into thinking that she was processing my mortgage loan after running a background check. Would never return my calls or emails on how my mortgage loan was progressing. She went completely AWOL when I needed a mortgage loan!! She is nothing more than a liar! Well Fargo is a true enterprise for criminal behavior and it explains why they opened 5,300 accounts without customer permission. I have filed a complaint again them with the CFPB and BBB. I recommend anyone else that has been a victim by Wells Fargo to do the same. This is not a case of this just happening to me. There is also another person that had the same bad experience with Devoreaha Smith. You can find his review under "Ponderosa Homes" in the city of Pleasanton. Devoreaha Smith is as crooked as they come. You can private message me if you want to know more details. I don't want anyone else to be a victim like I was.

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!

Jon refinanced a tricky rental mortgage for us. He got us a great rate and went the extra mile to…read moreensure that the experience was pain free and enjoyable. Highly recommend Jon.

It was such a pleasure working with a professional team. Jon made my process simple and…read morestreamlined. Even with my hectic schedule he and his team worked around my schedule.

Laura Barbara from the Jarvis Team was AMAZING! She is very responsive and understood exactly what…read moretype of property we were looking for. Her local knowledge and expertise in the Danville/Blackhawk/Diablo area was key as we were building our offers. After our offer was accepted, she interfaced seamlessly with the title company, MLO, and contractors. The process was exceptionally smooth, and I would highly recommend considering Laura and the Jarvis Team to represent you.

Nicole Jung and team provide a 10/10 selling experience. Their knowledge of the San Ramon market,…read morepricing expertise, and support during all phases of the selling process are unsurpassed. As a first-time seller, I didn't know what to expect but this stellar team managed every step of the sale quickly and seamlessly with patience, professionalism, and responsiveness. I couldn't have been more pleased!