To say it was a pleasure to work with Mr. Schonian is an understatement. As first time home buyers,…read morethis was a big deal for us. There were countless things Karl helped explain. He was always prompt with his response, patient and honest. My husband said he always went above and beyond our expectations!! He helped me to navigate through different scenarios and made things happen. I'm not a procrastinator myself so I really appreciated this. We look forward to building our portfolio and working with Mr. Schonian in the future.

Karl and his team continue to deliver professional and friendly service to my family. We've been…read moreworking with Karl for a few years now and we have nothing but respect for him and his team. This time around we didn't think he could help us due to a few challenging factors; VA loan, self employed, and spouse hours were cut. Not to mention, taxes were being held up due to COVID-19 pandemic. We have found him to be so helpful and recognise how time consuming this must be for him; but at no time had he made us feel that it was an inconvenience to him. Karl was organized, thorough, professional, and kind which made all of the difference in our interactions.Thank you for your patience as well as treating us as people rather than just home loan customers.

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!

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 just refinanced my home with Steve, and he did a great job. He stayed on top of the rates and got…read moreme a 3.5% 30 year fixed, which I'm thrilled with. Ive done all of my home loans since 1999 with Steve. He is one of the most knowledgeable lenders there is. He can explain different programs and any of the documents you have to sign to help you feel comfortable.

From the owner: Serving the entire San Francisco Bay Area we provide real estate financing for the Purchasing or…read moreRefinancing of Residential, Investment, Multi Family, Commercial and Construction loans.

My partner and I are currently first-time homeowners, and unlike the other parties we had to work…read morewith throughout this transaction, John made it super easy and walked us through each step of the way. Multiple, multiple times to ensure that we understood the how and why. In fact, he is the highlight of this stressful, home-purchasing process. Even post transaction, John made sure to send me reminders, and I still go to him with questions to validate my Google searches on a monthly basis. Though I am an excellent Google searcher, I highly value John's opinion and experience. Highly, highly recommend John! No regrets!

This guy is a thief. He will do his best to give himself a inflated commission and make you think…read morelike he is doing you a favor while he takes your money. I don't mind paying legitimate fees, but hate someone who tries to take advantage of people. This guy is slick. He really tries to extract extra fees during the loan process I ended up having to throw this guy off my deal because he kept delaying the close of my property He kept trying to squeeze more money out of me, but never gave me a legitimate reason why it was needed. He is a master manipulator. At one point he tried to charge me 5 points in order to lower my interest rate a measly 1/2 percent. He even fooled the Realtor I was working with almost to the end. Fortunately the Realtor had some integrity and managed to salvage my deal at the last minute. He is the worst lender I have ever used. I have no idea why he is not in jail. He has had to change companies a few times after my deal closed. I am confident it is because he got caught trying to pad his commision. Stay away from this guy. He's a wolf in a expensive suit. I worked with this guy after the financial crash during the worst lending climant in history. It really takes someone arrogant to try to rip someone off during that time. I might add that my loan was not huge, so why inflate the fees so much unless you are purposefully trying to rip someone off. I also want to clarify that I am not in the real estate business as implied by other reviews. I am in the medical business. This guy cost me extra money by delaying the close of my deal. I am sincerely concerned that he is still out there being allowed to rip people off.

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 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.

John was referred to us by our realtor and we were so lucky to have worked with him! He patiently…read moreanswered all of our questions and worked diligently to meet our very tight closing schedule. He is incredibly knowledgeable and understands the lending market very well. He really took the time to run through the closing costs and estimates with us and helped us in making sure we knew what we were getting into as first time home buyers! We look forward to working with John and Emery Financial in the future and highly recommend others to work with him and his team!

John and his team were helpful throughout the mortgage process. As a first time home buyer, the…read moreprocess was opaque and made me anxious and stressed out. John was helpful and made himself available to answer all my questions along the way.

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!

WARNING! Do not refinance through Fremont Bank in Danville, CA. We have excellent credit and were…read morepromised a quick refinance. It took four months to complete. Mistakes were made, and in the end we ended up having to pay over $7,000. in fees. They are full of promises that they do not uphold. We have been through a few refinances in 40 years and this by far was the most unprofessional bank ever.

I LOVE this bank!! Buying a new house is stressful enough, but Susan and Michael made my process…read moreeasy and quick. Their customer service was the best ever and follow up amazing. Truly, the customer comes first and they even delivered more than they promised. I am deeply grateful.