Absolutely wonderful. We worked with Jocelyn to buy our place in san francisco and it was so much easier than i thought it was going to be because of her. She really understood what we were looking for and honestly helped us find things we didnt know we wanted. Was an incredible help navigating the neighborhoods of SF and knowing what the good areas are and what the nice up-and-coming ones are too! If we sell the place sometime in the future im definitely coming back to her! Sure responsive, super helpful, and super knowledgeable. Totally deserves a 5 star review read more

I used Jocelyn as my mortgage lender and as my broker. Jocelyn grew up in the area so I trusted her local knowledge of East Bay for my home purchase. I learned a bunch working with Jocelyn. She was patient as I incessantly asked her questions night and day. I was also surprised at her expertise in market psychology, as she knew the demand for particular styles of houses and what they would go for. I was able to get my offer accepted and not overpay based on her insight. Her experience shows when walking homes and she's able to calculate rough renovation estimates on the spot. Jocelyn is a knowledgeable and honest broker - highly recommended. read more

A great mortgage broker and seller's agent. As a first time home buyer I had a lot of questions. What is an impound account? What is this questionnaire I need to buy for the condo? Why are there so many documents needed? Jocelyn was always kind and very patient throughout the entire process as my mortgage broker. She was able to find me an amazing loan at a 2.99% interest rate with only 5% down (your millage will vary due to credit score and other factors). She was quick to respond and to let me know when there was an update. Will definitely be working with her again in the future. read more

Jocelyn is THE BEST!! As first time homebuyers, we spoke to multiple agents, and Jocelyn by far stood out from all the rest. With over 20 years of experience as a broker and lender, she knows the ins and outs of how the process should be. Jocelyn was always on top of it. She was super flexible with our schedule to look at homes, answered EVERY single one of our questions, responded even on weekends when she did not have to, and made sure to follow-up with any inquiries we had with the seller, escrow company, or lenders. She even solicited multiple lenders to make sure we got the best deal possible. Jocelyn is not only friendly and professional, but she was such a pleasure to work with. Without hesitation, we highly recommend her. read more

What started out as a dream we were hoping for actually came true thanks to the help and hard work of Jocelyn. We gave her an idea of where we were looking to move and she provided us with a list of gorgeous homes to choose from and now, here we are, happily nestled into our new home. It's hard to believe how easy the whole transaction was. Jocelyn also sold a couple of properties for us and her attention to detail is unbelievable. She was always there when we needed her. She's professional and will go above and beyond your expectations, she respected our time and has always made our best interests her highest priority. She's a one of a kind realtor and we'd use her again in a heartbeat. read more

Jocelyn is a first-class home loan consultant. Recently, Jocelyn helped me purchase a duplex and guided me through the process effortlessly. She is a true professional and really understands the intricacies of the financial world. She's solid with her numbers, follow-through and realistic with timelines - not to mention she got me an incredible rate. It was a pleasure working with Jocelyn and I look forward to using her for my next investment. read more

Jocelyn De Guzman - Mortgage Brokers Near Me

Jocelyn is a superb mortgage broker and she has helped me directly on several occasions to refinance my home mortgage. The interest rate and mortgage terms were comparable to the best on the market; the timeliness and support during the actuarial review of credit and application submittal process excellent. Communications occurred regularly and timely; follow up rigorous and helpful. She is a "native " of the Bay Area and very committed to service and satisfaction for her customers. The mortgage experience is honest , straightforward and clear. No pressure, but superb service. She can move the process as fast as you may need; will be right on time. I rarely write reviews but in this instance I believe It is deserving, earned and more than appropriate. You will be completely happy if you utilize her services read more

Jocelyn was great to work with. We used her as our mortgage lender and as our real estate broker. She never gave up or was discouraged by the fact that we were a VA loan instead of conventional. This was refreshing since other agents we talked to were so unenthusiastic about our prospects due to it being a VA loan. She was passionate about my partner being a Veteran and making our first home a possibility for us. She was able to move us through the VA process quickly and without any headaches, even the sellers were surprised that she was able to make it so easy. We called her at odd hours and asked a million questions as first time home buyers and she was always available. She is passionate about her work and always there for her clients. She even helped us by using her connections to find renters for our current place since we were breaking our lease. read more

Jocelyn is a miracle worker! I called her when I needed someone on the spot because another realtor had failed me. She stepped up the same day, with no hesitation. She worked her magic and I was able to obtain the property with a better interest rate than I already had been pre-approved for. She made the process easy for me and I was happy! read more

This past Aug. 2020 in the middle of a global pandemic my wife and I thought it would be a good idea to try and capitalize on the low interest rates while they were available. I decided to go with on of my close friends who works at Citi Bank as they had some of the better rates out at the time that we could find. While going back and forth with him sending in all the documents required for a new purchase it just kept getting delayed over and over again due to the influx of applications from others trying to also purchase and or refinance their homes too. After about a months time we asked to just refinance our current home rather than get approved for a new house thinking this would be easier and we really did not need to buy a new house as ours is just fine already. Welp, this refinance too was just a back and forth game of sending the same documents over and over with nothing but delays and frustration. Being good friends I asked him what is the likely hood this gets done in the next 30 days or so as it has now been almost 3 months of working on it and sending the same docs multiple times. He was honest with me and said he really did not know as Citi Bank had a lot of deals in cue for refinance and or new home loan approvals and he too was losing faith that this would get done in a timely fashion. This is when he reached out to Jocelyn for help. Now it is not normal for one loan agent to send a customer to a competitor but since he was my friend he was really just looking out for my best interest. As soon as we were put in touch with Jocelyn she was on top of things and was very professional with extreme attention to detail. She understood that we were working on this for the past 3 or 4 months with another broker and almost at the point of just giving up and just holding off till maybe next year. At this time we did not have high hopes it would get done but thought hey lets just give it another month and if nothing happens then hey no problem we at least tired. We had a couple conversations via phone and email about what we were looking to do as far as our refinance and she got to work. At 1st we wanted to just maybe pull out $ from our refinance to do some home renovations. She went over a number of options with us but we were still skeptical that it would actually get done. About 5 business days later she calls us and says were pre approved and can lock in our rate now if we liked or wait and see if it got lower next month... Whaaa, approved that fast, like how? My wife and I were kind of in shock as it took our friend from Citi Bank almost 3 months and could not get it done. We decided to lock in the rate now as it was already on the lower side of what we have been seeing out there. I personally owe back taxes from being self employed so I asked how hard would it be to refinance and pull out additional $ to cover my back taxes and still have $ for our home improvements. This was so much easier than I would have ever thought as she simply said not hard at all and got us new payment quotes with different amounts of $ back options. My wife and I went over our options and chose the one we felt best for us. So now we have a new refinance approval and extra funds to pay off my taxes too, man this was just getting better and better. Prior to the loan docs being drafted up Jocelyn asked me if id like the mortgage company to pay off the taxes prior to distributing the funds into our bank account. Uhhh that was a no brainer cause who would actually like to attempt to call the IRS LOL. The whole process with Jocelyn was nothing but spectacular. Yes, I do feel bad my friend was not able to help us and make a commission but I sure was happy he referred us to Jocelyn. The level of attention she gave us without any pressure to decide or do anything we did not want to and willingness to help with any questions or issues we had with out hesitation is what earns her 5 stars and if possible 10. During this pandemic its hard enough just to deal with the whats not so normal daily procedures of life, my wife and I are extremely happy to have had the chance to work with Jocelyn as she made something that we thought to not be possible, possible. We got our home refinanced, taxes paid off and extra $ to do some home improvements or just keep in the bank during these uncertain times. If you are feeling down about the possibility of your new loan not getting done or approved in a smooth and timely fashions DO NOT HESITATE to reach out to Jocelyn. Once again Jocelyn, THANK YOU!!! read more

We left Australia and moved to the US recently. We had no clue about the importance of credit rating as it wasn't considered to be an issue in Australia. Due to this, our credit score for a lack of better words, needed improvement. Jocelyn was very understanding of our situation and provided all the info required to improve our scores. It took us a few months to get our credit ready for a preapproval and finally start making offers on homes. Through this whole process and excitement we had finally got our offer accepted for our first home in the BayArea. Jocelyn was easy to reach when we had any questions or concerns and was quick to ensure our questions were answered. She helped walk us through this process, every step of the way. For anyone looking for help, I would highly recommend Jocelyn. read more

Jocelyn is great at what she does. She made the home buying process really smooth for us. Was patient in understanding our needs and we found a mutual solution at all times. Always available, thoughtful and willing to help. We just bought our very first home thanks to Jocelyn and her team! Throughout the entire process Jocelyn was always accessible day or night and would make accommodations to all of our request. Very patient and communicative throughout read more

I used Jocelyn's services last year to obtain a new home mortgage when she was at Bank of America. I was extremely impressed with her speed to close the loan (several days ahead of schedule). She was also very helpful in finding the right loan offerings that fit my income. I highly recommend using Jocelyn for mortgage services. read more

Looking for a realtor to buy a house? Jocelyn it is! We had few ups and downs in house buying process before we met Jocelyn. A friend of mine have introduced this lady to me, since the moment we started working with her! She is really great at doing her job, she takes extra care about her clients. In our case she have spent multiple hours, there were major repairs to the house for the appraisal to go through, we were super worried, but then the problem solution is right here with us JOCELYN! She was there with the contractors and made everything possible. Thanks to you Jocelyn you made our dreams possible!! I would recommend Jocelyn 100% if you are up for buying or selling a house! read more

Jocelyn was awesome to work with. As a veteran, trying to buy in an area where there can be stigma about VA loan processing, my partner and I were feeling like the bay area might not be a place where we can use our VA benefit. We talked to many agents and they all had the same apprehension. Then on a lucky coincidence after clicking on a property to make an appt to view, it was Jocelyn who we were connected with and she was so fierce about making it clear that we absolutely CAN buy here. She knows the ins and outs of the whole process and knew exactly how to explain the process to cautious sellers and their agents to remove the stigma and concern. As a result, not only did we find our first home in the worst buyers market (lol), but we got it under asking and closed quickly. She was responsive all day and into the evening to get things moving for us. As first time home buyers, it's a stressful process. You can read up about it, but nothing really prepares you for what will come up, and having Jocelyn on our side to walk us through everything (with the patience of a saint,) was invaluable. We are grateful to have been randomly connected, because she was the best person to help us find our home. read more

Jocelyn is a miracle worker. As both my buyers Agent and my Loan Broker, she makes sure she gets the best for her clients. she knew that about my financial situation and always knew what property made sense for me and my family. She will go into each transaction as if it was for her in my situation and will point out things to me and my wife that we'd never have thought of . She listens to your needs and goes above and beyond to serve her clients. She creates relationships that lasts a lifetime. The transaction went so smoothly. I'm referring my family and friends to go to her- she always follows through on her words with excellent work ethics. You have a life long client, Jocelyn! And again thank you for helping me and again, for being patient and not being pushy like others. read more

Jocelyn is amazing at what she does. She was able to help me close a very complicated escrow that 2 other lenders couldn't get done. She stayed on top of it and found a solution so that we could close escrow. Jocelyn is truly a problem solver. I highly recommend her for your mortgage needs ***** Lily Pingatore Coldwell Banker Malibu LilysellsMalibu@gmail.com 1(310)2668428 Malibudreamproperties.com read more

Jocelyn did a loan for me in 2012 while at Prospect Mortgage. While the FHA loan was eventually approved, it was one of the more frustrating mortgage processes I've gone through in 15 years of owning homes. I expected a clearly laid out underwriting process with upfront knowledge of what documents would be required and a broker working on my behalf. That upfront knowledge wasn't there and I felt as if she was working to unravel the loan rather than push the loan forward. Ultimately I would have been better suited working with a direct lender. read more

Jocelyn is very knowledgeable and always answers her phone calls/texts/emails no matter what time of day. She will take time out to walk you through which loan program fits your profile and is great with first time home buyers. She will make buying a home a dream come true for almost anyone - especially since she's a mortgage broker. Thank you Jocelyn for helping me buy my first house - everything happened so quickly and effortlessly. read more

The best mortgage agent I have came across! She helped me from a-z. Jocelyn made the whole process seem effortless! From start to finish, it took 4 weeks to get the mortgage approved and closed! I would highly recommend her! She is really good at what she does! read more

I have to say that Jocelyn is an incredible Loan Consultant and Officer!! She's very intelligent and knowledgeable about loan decisions, hard working for her clients, and a pleasure to deal with... I've closed on dozens of loans in my various pursuits from many different institutions, and Jocelyn has consistently been my favorite consultant at a number of different companies. You should definitely take advantage of Jocelyn's superb skills as an independent adviser and friend!! read more

Jocelyn is great to work with. She's very helpful, always there when you need her and answers all your questions. Need a loan? Call Jocelyn!

She did my loan back in 2017 and process was smooth and fast. I was able to purchase the house within less than 25 days. Jocelyn is a professional and knowledgeable. I referred her to afew people already too and they are all happy. read more

Jocelyn is the best at what she does. She is professional, knowledgeable and responsive to work with. Loan was closed on time. Great job Jocelyn thanks again!! read more

Very Patient and work with you closely to get your new home dream. She is very communicative and excellent knowledgeable person.

Jocelyn De Guzman, Mortgage Broker, helped my husband and me to refinance our home. She did an outstanding job. It was a difficult process as we worked with the Veteran's Administration for the loan. And everyone knows how challenging the VA, a governmental agency, can be. There seemed to be a never-ending request for additional information. Jocelyn approached each request calmly, efficiently and with optimism. She is a consummate professional, upbeat and a pleasure with whom to work. I highly recommend her. read more

I have known Jocelyn in the past year as a loan officer from Excel Realty & Mortgage Inc. and I work for a lender that she sends her borrower's loan to. Her work ethic is excellent & her knowledge in residential loans is phenomenal. When you work with her either a purchase loan or a refinance loan, you will get great result every time. read more

Jocelyn works hard to please her customers, always responsive and will go out of her way to make sure her purchases go through with the way her clients want and expects" I used Jocelyn's services 4 years ago to refinance my home mortgage when she was at US Bank, then she helped again when she worked for Bank of America. I was extremely impressed with her speed to close the loan (several days ahead of schedule). She was also very helpful in finding the right loan offerings that fit my income. I highly recommend using Jocelyn for mortgage services. read more

Jocelyn is a consummate professional who truly cares for her clients. She works hard to make sure the transaction closes seamlessly. She's available every hour and always communicates every step of the way to ensure a smooth transaction. I highly recommend Jocelyn! read more

Over the last year, I have met many agent who were very passionate in meeting me and getting my contact information. From there, they were either too "busy" to show me around or they were gone after showing me 1 or 2 houses. As for Jocelyn, she has been supportive and creative in creating opportunity for someone like me to have the possibility of purchasing a place in Silicon Valley (Definitely not the easiest). In addition, Jocelyn will work with you in finding a place within your budget and requirement, and more IMPORTANTLY, she will put your interest first instead pushing "questionable" property onto you. I have met "friendly" agent out there, or agent that simply pushes a property onto me like a typical sales-person. Jocelyn is none of these. She is professional and well-informed on current market trend and will gave you practical approach in finding your ideal home. read more

Jocelyn is my #1 go to for home loans. Hire her for top notch service!

I'm glad I chose you to take care of my mortgage loan, everything happened as you promise. Thank you very much Jocelyn!

Jocelyn works hard to please her customers, always responsive and will go out of her way to make sure her purchases go through with the way her clients want and expects" read more