David Brown is a true professional. Not only does he know the mortgage business inside and out,…read morebut he is very creative and can make transactions work where no one else could. He has helped my clients become educated in what is best for them with traditional mortgages and also in the confusing area of reverse mortgages. David is my 'go-to' guy when I or anyone I know needs assistance in his areas of expertise, and I am truly lucky to know him.

david, thank you for leading us through the reverse mortgage…read moreprocess. your skill and professionalism are second to none.

I had a consultation regarding placing a tenant for an ADU which had been in the market for over 2…read moremonths, and logistics questions about being a good landlord. Krystal Freedom was super helpful within the 30 minute appointment she gave me 3 very powerful actions to take, she saw the ADU posting and gave me feedback. Within 1 week I found a good tenant who we signed a contract with. I could not have done it without her guidance. I highly recommend working with her or team. I look forward to working with her again.

Hi! I am a SB local, born and raised, I've lived in SB off and on for the past 40+ years. I have…read moremoved away a couple of times, but SB is so magical I can't stay away for long. I meet Krystal through a very close group of friends who I feel are more like family, than friends. Krystal is an amazing friend and is extremely hardworking and professional. I have known Krystal for over a decade and have seen her dedication and perseverance, which have made her the outstanding woman that she is. When I moved back to SB Krystal was and still is, probably always will be, extremely supportive. Krystal has put in relentless time and energy helping me to relocate and find the perfect place to call home. Krystal is extremely patient and organized and has helped me to stay on track throughout this entire process of buying a house, which has been difficult, buying a house is never easy, especially in CA. Being a mom of two little kids and a full time hospice nurse, sometimes I find it hard to just get 5 minutes to myself, lol. Krystal is one of the most trustworthy and compassionate people I know and have had the privilege of working with. 2024 was probably one of the most challenging years of my life, which I don't think I would have been able to get through without the hardwork, dedication and support that Krystal has given me. As we move into the new year, I'm looking forward to finding the perfect house to call home. (Home is where the heart is, and I am flabbergasted that I will soon be able to once again call SB my home), Thank You Krystal, I don't think this would have been possible without you I would also like to let Rica know how grateful we are for her. Rica has been a wonderful asset to Krystals team. Rica has been extremely responsive and the quality of customer service she provides is top notch. Thank you!!! We truly appreciate your hard work and dedication.