Albert was referred to me by a relative that Albert has helped with many loans and refinances…read more Working with Albert and his team was a breeze - Albert was always on top of escrow, the lender, the appraiser, and all the parties in the purchase transaction. Albert is a true professional, efficient, and dedicated; with his expertise and at his suggestion, we were able to lock rates at a low. However, Albert never pushed us to choose one path or the other; he always gave us all the information we needed to make an informed and educated decision. As a realtor, I have worked with many loan brokers and Albert stands heads above the rest.

Albert and his team has provided the outstanding service for my refinance need…read more His diligence and thoroughness was above and beyond what I was expecting. To initiate the process, Albert went over all options with me and presented the math in detail for every option. He walked through every step with me along the process and answered all the questions that popped in my mind. His attentiveness has helped us to lock on the competitive rate and close the escrow promptly. I will recommend Albert and his team to anyone who is looking for mortgage/refinance services.

Carlo and his assistant Linnet were amazing. They were extremely responsive to my enquiries and…read moreconcerns during the difficult and confusing process of purchasing my first house in the US. Carlo always had my best interest in mind. He got me a very good rate and his calm demeanor was a valuable asset during the process. The developers had a preferred lender with attractive incentives, but I don't regret going with Carlo. He is a star! I can not recommend him enough!

Working with Cardon Mortgage brokerage Inc. in the process of selling my home was a nightmare to…read moresay the least. Mr. Ganjeh the owner, demonstrated a deep seeded anger, rude and arrogant demeanor. He and his staff made many ethical errors that totally ruined the sale of my home. The experience with them was far from professional in every way. Mistakes and more mistakes killed the sale of my house. I would not under any circumstances recommend this mortgage brokerage company under the ownership of Mr. Carlo Ganjeh.

Rob Garcia, now at Paramount mortgage, was so professional and proactive on everything regarding…read moreour mortgage process! He gave us updates at every stage in the process and what to expect next. He was right on time with closing within 15 days. He is on top of everything and just a great guy to work with! No pressure on us but he worked his magic behind the scenes. We loved working with Rob! He is a star and gets things done and we highly recommend him! Nancy S

We needed a loan for a home and it turned out to be longer than a months process. Rob stuck with us…read moreand kept us well informed throughout the entire process! Giving recommendations to help make sure the documents would be approved, to the signing day. Would highly recommend and use again if needed.

Steven was very attentive and responsive when he was trying to earn my business. A couple of years…read morelater when I had a problem with my policy he never returned my call. When I finally got ahold of him he told me I needed to contact the insurance company myself since there was "nothing he could do". Uh, isn't the insurance agent supposed to represent me and be the middle man? Very disappointed with his service.

Like others stated here, they were very helpful and responsive when earning my business or trying…read moreto convince me to increase my coverage, but when I need help to make a change to my policy, they are non responsive. Excuses that my emails were going to SPAM, but why are they returning my phone calls when I leave a message? The outgoing message says they are checking voicemail every 30 min. I have mixed feelings because they helped us find a home policy when no else was successful. But, I'm in the middle of a refinance and it's being held up, because I simply need a previous lien holder removed from the policy. Not sure how I will proceed for future insurance services after my loan is completed.

I had one of the worst experiences here working with a lender. I will not name her due to respect,…read morebut she was not very good in communicating or double checking every one works. The underwriter is horrible as well they made me write statements for the wrong amount about me paying my taxes. First of if you do not know what the closing cost will be then just telling me, I had other lender give me a list of what the fees will cost and this lady just said it could be 40k in closing cost. Now this is during the first conversation I had with them. My heart dropped already because 40k is a lot and that will cut into my home renovations. She kept emailing me about getting these files in right away or this will delay the process within barely the first 10 minutes. I had uploaded all docs within a few hours. At this point buying a new home is already stressful having her push me and talking about delays is putting more stress. She kept asking for more docs over and over. I would have hoped she had given me the list in the first place instead of asking me for the extra docs almost everyday. When I wired the money to my escrow she emails me back with why are you wiring money from an account we have not validated, this bank she was talking about was the bank of the escrow company not mine. Again not reading and putting more pressure on me. After a long 30 day process everything was completed and I get a call from her boss asking me about my experience which was horrible. She told me shes part time and she had over 11 loans to work on, this is not an excuse for bad service if she is over loaded then tell me and I would went with someone else. Fast forward to today. I now get another email from her about a document that I had already provided I'm sure shes lost from the 100s of documents she made me send and it would be easier for her to make me resend it then to look through everything. TIP: Make sure to get someone experienced, Ask them about the process. luckily my closing escrow was 30 days. If this was 17 days I would have been F'd.

Had terms agreed in writing with Lee Chieng. Uploaded all personal financial data within 24 hours…read more A ton of them, including W2 and tax returns. Lee Chieng emailed back: "sorry, we cannot offer you the deal we agreed. But you have choices! a) pay off $70K more of your loan, b) give us $1000 more for closing cost and a 0.125% higher interest." If you were me, which choice do you make? The third one: walk away and never trust them. I told Lee that I have multiple properties and I disclosed the exact number. And when I questioned why they walked away from their offer after I uploaded all financial data, her response was: "we have a pricing engine. We go by what the computer says". Then what do you do besides the computer, Lee?? My guess is that the market rate has changed in just a couple of days and they are walking away from the deal. This experience really leaves a bad taste in the mouth. Stay away from Adeline and the team. No apologies, no concession, nothing!

I open an account with ML. I'm supposed to call ML to move the money to their Preferred Deposit…read moreplan in order to earn the higher interest. I've called 6 times over one week and placed on hold for upwards of 15 mins. No option for a call back either. Annoying hold music. Is this their way of avoiding paying my higher interest? I will now research other banks and move my money. Update - Alex at the Concord Contra Costa Blvd. BofA branch was able to connect me. He is the only reason I don't close my account with BofA. Alex gets 5 stars. BofA gets one star.

When it comes to my family's money, I wouldn't trust anyplace else. I'm a client of Tore Saso and…read moreRob Gellman. If they recommend something to you, it's because it's what's right for your situation They have fun personalities and aren't the stuffy people you'd expect for a prestigious firm. They are extremely professional and know their stuff. Their support staff is also very prompt and knowledgable.

We have used Bob Hayes for our personal tax returns for about a decade. We have found him to be…read moreprompt, courteous and fairly priced. We have been very satisfied with the work, and recommend him highly.

I have you been using the services of Robert Hayes CPA for several years. They have always been…read moreresponsive to my needs and I will continue to use them in the future as long as their performance and results meet or exceed my expectations. Thank you Bob and team! Trader_Joe

David Espinal showed very poor professionalism when our refinance didnt go through. He knew of our…read moresituation and continued to push the refinance through trying to make us cover up a few things. Not sure how ethical his practices are, but we ended paying for an appraisal that we didnt need( which is another story). His final response was very snappy and had a lot of attitude behind it. Which was very unprofessional and immature. When we first requested an appraisal, we didnt want the appraiser to come inside the house and he told me it was mandatory to come inside the house. When we were decided to scrap the appraisal, david decided to devalue our home so he could waive the appraisal. Thinking we had cancelled the appraisal, they went ahead and did a drive by appraisal. Im not sure what changes between the time it was mandatory, to when David devaluing our home to waive the appraisal, to them actually doing the appraisal without going inside. Everything seemed fishy. ALSO I NEVER RECEIVED A RECEIPT FOR MY APPRAISAL. His actions and responses in our refinance process has made our experience with this company an unpleasant one.

I would like to highly recommend Bayview Residential Brokerage, they helped my wife and I with a…read morere-finance on one of her family's properties. Over the years, her family has used their services to help finance our real estate purchases and refinances and they consistently provide excellent rates, terms and loan programs and great service and I thought it was about time that somebody give them a little credit for all the good work. At Bayview's website (www.bayviewresidential.com) they say that they can work with over 70 lenders and they have a lot more options than the big banks. The loan agents we have worked with at Bayview are incredibly knowledgeable and accessible, evenings and weekends and sometimes even at dinner. These folks really know their stuff and make the the whole process smooth and easy to understand. You can reach them at (408) 298-2591 or at the website (above)