We had an excellent experience working with Horn and his team throughout our home-buying journey. From the very beginning, everything was straightforward and well organized. We were referred to Horn for our mortgage, and we're so glad we chose to work with him. The pre-approval process was quick and easy, which gave us the confidence to start house hunting right away. Within just two months of visiting open houses, we had an accepted offer, and Horn and his team handled the loan process efficiently from start to finish. We were especially impressed that we closed on our home in only 20 days! Everything went smoothly, communication was excellent, and the entire process was surprisingly stress-free. Horn and his team were always responsive, professional, and supportive every step of the way. We truly appreciate all of their hard work and dedication. We highly recommend Horn to anyone looking for a reliable loan officer. We will definitely work with Horn again for any future home purchases or refinancing. read more

Horn Low was the absolute best. When my clients previous lender could not close TWO DAYS before we were supposed to sit at the signing table, I contacted Horn immediately and he got right to work. Under pressure and a short close, he was professional and kept my clients and I informed every step of the way. We loved how communicative he was and how well he does his job. He even beat the timeline. I would absolutely recommend him to my future clients. read more

If you want a fast closing, Horn is your guy! Just three days before closing, our previous lender informed us they could not approve our loan due to an issue with the HOA. We were stressed and unsure what to do, but then we found out that Horn had recently closed on another property in the same HOA just a month earlier. We reached out to him on a Friday afternoon, and he immediately jumped into action. By the weekend, he had already collected everything he needed to move us forward. Horn worked tirelessly -- even over the weekend -- always picking up my calls and responding to texts right away. Thanks to his hard work, we received conditional approval the following Wednesday. He even helped chase down the HOA to ensure the lender's questions were answered promptly, which allowed us to close within just two weeks. Throughout the process, Horn was patient and thorough in explaining every document and number. He truly went above and beyond, and even sent us a thoughtful housewarming gift. All in all, if you're working with a tight deadline or facing tricky HOA issues, Horn is absolutely the person you want on your side. read more

I have successfully and smoothly transaction with Horn Low. He help with care, detail and also friendly. All my family go with him when we need help to buy a house. Very happy with his service. Thank you and highly recommend this service to everyone read more

Great home buying experience. Went very smooth highly recommend. Always available to answer any questions. Very transparent and responsive.

He is professional, dedicated, and efficient. We are very pleased to have worked with Horn Low. I give him a 5-star rating.

I met Horn Low after my bank would not issue a loan due to the fact that I was looking to purchase a condo. Due to California balcony laws a traditional lender was out of the picture. I was a first time home buyer, being my first time I was very skeptical to give all my banking and sensitive information to anyone that wasn't my bank. Horn Low took the time to meet me same day at his office, showed me his ID and other documents to make me comfortable. He is extremely knowledgeable and never once made me feel like a bother when I knew I was asking a lot of questions since this was all new to me. With every task he would call me to explain why things were being requested. This whole process is time sensitive, with that in mind Horn would call even on weekends as I told him I wanted to meet my escrow date to move in. I would recommend Horn to anyone, this guy is beyond legit, he's a good person and a great person to work with in completing a loan/ getting funding for a home. Thank you Horn for everything. I rarely write reviews but I wanted to let other know that were like me, a little stressed and nervous. Talk to Horn on the phone and you will know you're in good hands. read more

Horn was amazing to work with. He made the process of purchasing a home smooth and easy to understand. He answered all of my questions and valued my time by answering whenever I called. I couldn't have asked for someone better to work with. read more

Horn came recommended by a friend and went above and beyond during our loan process. He was very easy to communicate with and was open to answering any questions we had throughout the process. I learned a lot from him and anyone out there needing mortgage services would be lucky to have someone like Horn working with them. read more

I had the pleasure of working with Horn briefly back in 2017. I recently reached out to him to assist me in purchasing a home. The service I received from Horn was beyond outstanding! From the beginning, he explained the entire process. He's also a broker, how convenient is that! Assisted me with my loan. Went over the numbers, different options and terms of conditions, down to everything! I know it's his job to explain but there was no short cut or cutting corners with him. He thoroughly explained everything! Because of that I am so much more knowledgeable now. He is very easy to work with, responsive, experienced and gives great advice, so smart and talented! And he genuinely cares about his clients! Thank you Horn for an awesome experience! You Rock! read more

Horn Low - Pathmark Realty - Thanks to Horn, I am a homeowner! - Mortgage Brokers Near Me - Burlingame, California

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I recently worked with Mr Horn Low on our Heloc and I want to sasy he is the absolute best!. Very knowledgable about what he does.He made our transactions go through so smoothly, He explains everything so you understand. He was awsome from start to finish!. Thank you Horn, we appreciate everything you did for us. If there were more than 5 stars he would have got higher. read more

My wife and I were FORTUNATE that we were able to connect with Mr. Perry Chiu. He is a one stop professional for buying and selling a home plus taking care of the finance with great rates. In a time with the crazy interest rates, he can really shop for a desirable rate. Transaction with Mr. Chiu is simple and transparent. He explained the transaction in details and patiently answered all our questions since we are not proficient with all the terms and lingo in a real estate deal. If you want to deal with someone that has pride in his work and honesty, I highly recommend giving him a call. read more

Horn has served my entire family for years on multiple properties. He follows through and stays on top of everything. It was the most seamless loan ever! Very low stress. He worked with me for my needs and made this process super enjoyable so that I could be excited and focus on other things in preparation for my new home. read more

We had an amazing experience with Horn (Pathmark Realty). He.... is very friendly and easy to work with; listens to what you have to say and what you want; is readily available to answer the many questions we had; is quick to respond with useful information (from many perspectives: loan/finance, realtor, 1st time home owner, military benefits, etc.); gives honest feedback to keep us focused on the prize and gently steered us towards an achievable end. Horn was there every step of the way and we were glad that he was part of the wonderful experience which we call "1st time home owner". lol Thank you again for all of your help and it was a real treat to work with you. I hope we get to do it again :) read more

Horn is a go getter and he knows his stuff! He went above and beyond to make the process of selling our home go as smooth as possible. This was our first time selling a house, so we were new to the process. Horn took the time to go through everything in great detail so we understood every step along the way. He kept us consistently updated via calls, text, and emails, and was extremely responsive. He honestly made this process so smooth and painless for us, and he really did his best to make sure we got the best deal possible! We will definitely recommend our Friends and Family to use Horn! Best realtor in the Bay Area read more

Horn was very honest and a pleasure to work with. I reached out to him initially back in 2019 to refinance my loan, but since it was not economically in my best interest Horn quickly ran the numbers and provided the proper guidance to hold off; I appreciated the fact that he did not push me to do something that was not in my best interest. Fast forward to 2021 when interest rates were even lower, the first person I thought of was Horn and I was glad I did. Again, he crunched the numbers and provided a few options and recommendations about which one made the most sense for me. After mulling it over, I decided to pull the trigger on the refinance. From beginning the end, Horn was helpful and knowledgable. He kept me inform throughout the process of where things stood, what items were outstanding, and helped moved things along. He is very responsive and is always willing to hop on the phone to clarify any question I had -- no matter how trivial. Professional, knowledgeable, and efficient. You'll be in good hands working with Horn. read more

Meticulous, thorough, and always available. As difficult as the market currently is, Horn stuck by us through ~6+ months of seemingly endless searching, taking last minute phone calls helping us with any and all questions we had, until we finally found and closed on our dream home. Can't thank Horn and team enough! read more

The home buying process is stressful enough as is. Having Horn help us truly made a difference in our experience. Horn is professional, punctual, responsive, and an overall great guy. I cannot recommend him enough! We are so grateful to have had the chance to work with him! read more

My husband and I were looking to do a refi on our home. Horn was highly recommended to us. We had a pretty terrible experience with a bank previously and wanted to make sure that didn't happen again. From start to finish, Horn was professional, personable, detailed oriented and very attentive. Horn answered all of our questions, walked us through each step and explained everything thoroughly. We are highly recommending Horn to friends, family and anyone that could use his assistance! read more

Horn is the absolute best in the business! I am a first time home buyer and Horn walked me through this new, exciting, and somewhat scary process in such a calm and relaxing manner. Horn's professionalism helped ease my mind about the entire process and reassured me that I was in good hands. He consistently kept in touch to make sure I was on top of all tasks I needed to complete, such as the forms and paperwork I needed to submit to him, which was much appreciated since I have an extremely busy work schedule. Any time there were any issues, Horn would have a solution right away. He was there at every step of the way and answered any and all questions I had very promptly. I don't know what I would have done without him! Horn was constantly on the hunt for the best rate for me throughout this process. He would do all the calculations and break down the different options for me. This being my first time purchasing a home, it was much appreciated to have Horn break down and explain my options to me. Honestly, I can go on and on about how great Horn is. He has a customer for life and I would recommend him to my friends, family, and anyone interested in his services! If you go with Horn, you are in great hands and you certainly will not regret it! read more

I heard about Horn from a friend who had a really good experience with him. So I went to him for a quote to check out his vibe and he was very friendly and not pushy. He educated me and had better rates than the other people I was talking to. He's been responsive and helpful the whole way. Will work with him again! read more

My husband and I are first time home buyers and could not be any more satisfied with the services of Horn Low! We were referred to Horn through our realtor Lad Rapiz. The entire process happened relatively quick for us despite happening in the middle of the corona virus pandemic. We have heard about the stresses involved with home buying but we were very lucky that the entire process was easy going with little to no stress. The ease of purchasing our first home is a reflection of Horn's professionalism, persistence, and work ethic. Horn is a great communicator who answers questions quick. I loved how he always had a plan B for every step if things got off track. Horn closely watched the market for opportunities to get a us a lower rate. We started escrow with a certain rate and Horn was able to get us a significantly lower rate a couple weeks later before locking it down. He had our best interests throughout the entire process and was great at explaining processes and steps of the purchase. The timing of his moves in our situation and all the factors due to the corna virus was exceptional and resulted in us becoming home owners! We couldn't be more grateful! I highly recommend Horn Low to friends and family and will be using his services in the future! read more

We just closed on our dream house, thanks to Horn's patient and knowledgeable guidance. We contacted him last year to discuss purchasing a home. It's a bit of maze to navigate and he made everything easy to understand. Our credit wasn't great and it was embarrassing to talk about. He wasn't judgemental and gave us tips on how to get a higher credit score for a better loan. We followed his advice and we raised our score quite a bit within a year. When we put in an offer for a home Horn was quick to send in the pre-approval letter. During the closing process he walked us through all the documents and numbers and what they mean. He answered all our questions so we understood everything. The closing process was so smooth and we are so grateful Horn made this happen for us. We highly recommend Horn and look forward to working with him again for refinancing. read more

We recently did a refi with Horn, who is amazing to work with. He is very knowledgeable about how financing works, is an excellent communicator and will work with you through any roadblock that may come up (and they usually do!). I'd recommend Horn to anyone and everyone. read more

Very friendly realtor agent. He will help you every step of the way. My husband and I are very glad that we met Mr. Horn Low thru my friend. Good Mr. Horn Low. Keep up your good work read more

Just finished closing on our refinance with Horn as our broker - fantastic experience all around. Horn went above and beyond to ensure the refinance process was transparent and smooth. As an example, the lender was having difficulty obtaining necessary documents from our HOA, and in seeing the delay, Horn stepped in to move the process forward. Horn is also very good about providing different loan options to ensure the refinance will match your financial plans, so if you are like us (first refinance), you will be in good hands. We will definitely be leveraging Horn's services again. read more

I shopped around and had multiple quotes on refinance rates on an investment property. Horn was able to deliver the best rate and provide enough detail so I could understand the monthly payments, total amortization, and point system on rates. He is quick to reply on text messages, phone calls and emails. Overall, I didn't have any issues with my refinance. I was even able to sign my closing documents while on vacation with no addition cost from the notary. Thanks Horn! read more

First off, I want to thank Horn and his team for all the hard work they put in for selling our home. Selling a home can be stressful without the right group of individuals running the show. With Horn's background, experience and knowledge of the business, he was able to sell our home with ease. He constantly provided updates and checked in with me and my wife, which made us feel very comfortable without having to worry about what anything. He's genuine, very transparent, and gave us all the details from start to finish. I would recommend Horn and his team to anyone who wants to experience a very smooth and quick transaction from selling and purchasing a home. read more

Horn and his staff at Pathmark are the only reason my wife and I were able to buy our first home. Horn was able to do what others could not. We couldn't have been more impressed and satisfied with our experience. My wife and I had been trying to buy our first house in the South SF/San Bruno area for over a year. We had several different realtors during that time. We were traditional first time home buyers( 20% down, pre-approved for mortgage.) But we were constantly getting over-bid and all cash offers were eliminating us from every home we tried to buy. After a year of frustrating and unsuccessful attempts, a good friend recommended I talk with Horn and Pathmark Realty. We Met with Horn, shared our story, provided basic loan documents, and that was it. The very next property we made an offer on, Horn represented us. He took a personal interest in helping us and got our offer accepted. I couldn't believe he was able to do what others were not on the first try! Having a realtor with experience, knowledge, and who is willing to take initiative for his clients made all the difference for us. We are now saving for our second home and there is no question who we will turn to for assistance when that time comes. We are very grateful to be clients of Horn and Pathmark Realty. read more

Thank you Horn and team for getting me a home and a loan that fits my family and I. You guys ROCK!!!!!. I will always refer my family and friends when they need a realtor and a loan. Again, thank you for all you and the team have done for me and my family. Jason read more

We recently worked with Horn to purchase our condo and we would definitely be recommending him to everyone we know. We enjoyed working with Horn because he was responsive and constantly gave us updates throughout the process. He worked with our lender and made sure our file was moving along on time. He was patient and made himself available even on vacation if we had any questions. But what we liked most about working with Horn is that he was trustworthy. We never felt like we were just a commission to him. We felt taken care of and that we were in good hands. As a fellow Veteran I feel comfortable and at ease working with Horn. It was good to talk about both our military experiences and I will definitely recommend Horn to all my fellow Veterans! My family and I thank you Horn for being such a great realtor. We will make sure to have you represent us in the future but most important we are happy to have you as our new friend. read more

All Thanks to Mr Horn Low & Pathmark Realty for an impeccable swift, honest and professional transaction owning my first home. He walked me through every step of the way from location, to rates, to finding the best place for my family. I was groping in the dark and did not know how and when to start with home buying. Horn never failed to keep me updated with the process and made sure doing business with him is stress-free. I started getting interested to buy my first house in mid-December of 2018 and less than a month later, we are moving to our dream house. Nothing but gratitude to Mr Horn Low and I will definitely share my experience with friends and family. read more

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I had a great experience working with Horn for my mortgage refinance. He's very knowledgeable and professional, always answer his phones or text messages, friendly and easy to work with, and most importantly, he helped me save lots money through my refinance! Who doesn't like that?! What made me more appreciated of Horn was that after refi, we keep in touch and I had some finance questions- when I reached out to him, he responded right away, just like he did when he worked on my refi. From there I knew that not only Horn is a great broker, he's a trust worthy friend too. read more

I was lucky to have had Horn for my mortgage loan. Horn is super easy and clear to communicate with. He's very quick to respond with efficient solutions to all kinds of situations. With my complicated financial situation, I'd have never made it without Horn to close the escrow. Thank you Horn! read more

Horn low and his staff go the extra mile. They are friendly and reliable. Everytime I needed to get in touch I was able to get a hold of someone and get answers to my questions. Any concerns we had during our house hunt and loan process Horn Low was there to guide us. Very professional and efficient group! read more

Horn is the MAN!!! Thank God I asked for a recommendation and somebody put us in touch!! I had a complex set of circumstances and had started to give up hope of finding the right lender. Horn was amazing and always got back to me in about 2.5 seconds, even when he was in Disneyland with his family. You will not be disappointed if you choose to work with Horn.... read more

Sooooooo horn is actually a referral from my neighbor Gary and Hanna!! Horn helped them find the perfect dream home and helped me and my dad refinance our house when everybody gave up on us. He was patient and he thinks outside the box!! It was a pleasure working with him but I feel that we gained a friend rather than a realtor!! read more

I had a really good experience with Horn Low on my last two refis of my home loan. I am definitely not a risk-taker when it comes to money. Working with Horn on my refis was great. He made the process as friendly as possible and was always responsive to and patient with my questions no matter how many times I've asked him. I plan to work with him again should the rates fall below what I currently have (thanks Horn!) and I would recommend him to others. read more

I have been working with Horn since I was a wee lass, stepping into "real" adulthood in 2007 looking at buying my first piece of property: a condo in Daly City. I was intimidated, didn't know where to start, scared of being taken advantage of, and nervous that I'd be getting myself into something I couldn't afford. I was referred to Horn by family who was familiar with his good work. From the first phone call, I felt completely at ease. I didn't feel like he was talking down to me or impatient that I was young and didn't know much about buying property. Throughout the process, he was accessible, always returned my calls and emails promptly, and was patient about my ever changing mind. He expertly and honestly guided me through the selection and financing process, being very honest with how much I could afford, what is the best way to save money, and how to plan for the long run. Fast forward 8 years, I sold said condo (and upgraded to an actual house) and would trust no one else to help me through this process. Horn was able to handle all aspects of the sale, which went off without a hitch. I recommend Horn to all my friends and family if they are selling or buying a property in the Bay Area or who need financing in California. I trust him completely (he even gave me advice during a difficult divorce that helped me protect my property and assets) as he really does care about his clients and thoroughly enjoys what he does. read more

I worked with Horn in 2021 on a time-sensitive refinance of my current home. I received his contact information from a good friend who has used Horn's services amongst numerous family and friends. Above and beyond satisfied with the referral. Horn's level of responsiveness, professionalism, candor, efficiency, and thorough knowledge of the market vis a vis my needs and unique situation was quite refreshing. Time was of the essence for closing on this refinance and Horn made himself available all while juggling busy family commitments and even vacations! He cares about doing the best for his clients and it shows. I would emphatically recommend Horn to anyone who is considering buying or refinancing. read more