Lucky, Scott and their whole team is wonderful !!…read more I've worked with them for new house purchase as well as the refinance and had very pleasant experience working with them. They are very knowledgeable, professional and helpful. They kept me informed during the entire process. I would definitely recommend them for anyone looking for buying a home or refinancing existing loan.

I was very lucky to have found Scott Wise and team. Scott promised me an incredibly low rate and no…read morecost refinance and he ended up delivering the same promised rate at an even lower cost (I got paid to refinance due to lender credit). I highly recommend Scott and his team to everyone. Extremely professional, fast and transparent.

Tuan and Mike at Providential Mortgage made buying our first home an exceptional experience. From…read moreday one, their communication was outstanding they walked us through every step of the process, set clear expectations, and kept us fully in the loop throughout. The close was quick and smooth, which was a huge relief as first-time buyers navigating a lot of unknowns. What stood out most was how thorough and patient they were in explaining everything. We never felt left in the dark or rushed. That kind of transparency and professionalism is hard to come by. We will absolutely be working with Tuan and Mike again for any future mortgage needs and won't hesitate to refer them to friends and family. Highly recommend.

After speaking with a few lenders, I reached out to Providential and it was immediately clear that…read moreTuan and his team operate on a completely different level. Everything was professional and above board, but his experience and guidance made the process feel far more approachable and comfortable than I expected as a first-time buyer. He offered thoughtful insight into the nuances of the process, communicated clearly and consistently, and helped me understand what really mattered at each step. Both my agent and the seller's agent were impressed, and we were able to get our offer accepted on the first home we pursued. Once you speak with Tuan, the difference is obvious. Highly recommend.

Working with Scott Hill was an outstanding experience from start to finish. He made the mortgage…read moreprocess feel smooth and stress-free by taking the time to explain every step, answering all of my questions, and keeping me informed throughout the entire process. His professionalism, responsiveness, and attention to detail gave me confidence every step of the way. Thanks to Scott and Lisa's expertise and dedication, closing on my new home was a seamless experience. I truly appreciate all of his hard work and would highly recommend Scott Hill to anyone looking for a knowledgeable, trustworthy, and reliable mortgage professional!

We are incredibly grateful to have worked with Scott and Lisa as first-time home buyers in San…read moreFrancisco! As a top mortgage broker, the Hill Mortgage team has an incredible depth of knowledge regarding the entire process and helped us with a personalized approach towards a loan that fit our specific needs. Additionally, Scott and Lisa stood out with 1) comprehensive 1:1 consultation with us as first-time home buyers, including an orientation on the process and fundamentals of purchasing a home and securing a mortgage; 2) proactive work ethic and always two steps ahead in every step in the process with frequent check-ins (personalized and highly informative video updates, coordination between agents and lender and title company, etc); 3) timely communication and availability with any important or basic questions; 4) incredible ability to close on a tight timeline, while we were on an overseas trip. We would love to work with the Hill Mortgage team again for any selling or buying needs; anyone working with the team would be incredibly lucky!!

victor with JVM lending was so effective with his communication during the entire process of…read morepurchasing my first home. he ensured all of my questions were answered and was able to complete the closing process with a very quick turnaround and very competitive offers for lending options. highly recommend him and his team!

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.

Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

Sometimes, when you see reviews on Yelp and most or all of them are 5 stars, you wonder if someone…read morepaid all their friends and relatives to write reviews, LOL. In this case no need for doubts, Chris deserves all of the 5 star reviews. He made the whole process as painless as possible and was super responsive when any questions or issues came up. Highly recommended!

We just closed and funded on our latest deal today, and I want to take a moment to recognize Esther…read moreand her team for an exceptional job. In this business, execution and timing are everything--Esther and Paul delivered on both at a very high level. From initial structuring through funding, the process was handled with precision. Communication was clear and efficient, expectations were managed properly, and any complexities were addressed proactively without slowing down the timeline. That level of control over a transaction is not easy to find. What stood out most was the ability to navigate the deal strategically while keeping everything moving forward. For anyone operating in real estate investment or development, having a lending partner you can rely on is critical. Esther and Paul has proven to be exactly that. Looking forward to doing more deals together.

Esther and her team are amazing! We got a terrific rate and closed on our home a few days ago…read moreafter 5 years on/off trying. Essentially we worked with Team Esther 3 times, because after failing to buy a home and taking a break, each time the financials would have to be reprocessed given our life changes. But we stayed with them and they stayed with us, always with an open door and a welcome back. I can say from time tested experience how consistently reliable, accessible, and knowledgeable they are! Would highly recommend.

Brenda Wyatt and The Wyatt Team made buying our first home an amazing experience for my wife and…read moreme. From the very beginning, they were professional, responsive, and genuinely cared about helping us become homeowners. One thing that really stood out was that they were able to get us pre-approved without a hard credit pull, allowing us to start shopping for homes while protecting our credit. Their secure third-party verification for employment, income, and tax documents made the process incredibly simple. Everything was organized, modern, and hassle-free, and we never felt overwhelmed by paperwork. Throughout escrow, Brenda and her team kept both of us informed every step of the way. They answered all of our questions quickly, explained everything clearly, and made what could have been a stressful process feel smooth and easy. Their communication, professionalism, and attention to detail were outstanding from start to finish. Thanks to Brenda, Dejon, and The Wyatt Team, my wife and I are now proud homeowners, and we couldn't be more grateful. They truly went above and beyond to help make our dream a reality. If you're looking for a lender who is knowledgeable, honest, efficient, and genuinely cares about their clients, look no further than Brenda Wyatt and The Wyatt Team. We will absolutely recommend them to our family, friends, and anyone looking to buy a home. Thank you, Brenda and The Wyatt Team, for making our dream of homeownership come true. You have earned customers for life!

if I could give more than five stars, I would in a heartbeat. You would be making a big mistake to…read moreuse anyone other than Brenda for a home loan. Brenda and her team are absolutely amazing. This is the fifth house I've purchased in my life and this was the first time I didn't panic during our loan underwriting. Outside of this experience, closing on time always felt like it was at risk. This time, we had 3 week close and actually closed a few days early. Brenda was extremely proactive, communicative, and responsive. We could not believe the seller went with us despite not come in with the highest offer. We were told through their agent one of the reasons they accepted our offer was because of Brenda's reputation. You can't ask for more than that

Ellice and Brent are our one and only Go To for everything mortgage. It's been this way for more…read morethan 20 years now. We just closed on a purchase in a very hot and competitive market. They were consultative and helped us strategize on this transaction and we highly recommend them.

Greg and Brent worked diligently to close my purchase loan. They were very professional and really…read moremade me feel like a valued client. The process was smooth and quick. I highly recommend them for your mortgage needs.

From initial inquiry to final close of escrow, Dave and his team were there to support us on the…read more15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team!

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I…read morewould have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez

I've got nothing but rave reviews for Mike and his team. They have handled a mortgage and 3…read morerefinances for me and my family. In fact, my dad was in the middle of a very slow refinance and Mike was able to get him out of it - at a better rate - and still closed faster than the original. They are extremely communicative, organized, well priced, and they will go out of there way to ensure every question is answered. I recommend them to everyone I know and will use them again if the opportunity arises. This seems like a paid review but I promise it's not. Use them, you will not regret it.

Mike and his team have been tremendously helpful in getting my mortgage refinanced. They are…read moreresponsive, and fight for you for the entire process, no matter how many complications. Like an idiot I purchased a new car in the process of refinancing not thinking how it would affect my debt-to-income ratio. Despite throwing this wrench into the works, Mike's team kept everything moving and still closed the deal with even better financials than originally expected. Cannot recommend any higher.