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.

We did use RPM mortage as our lender when we bought our house in 2017. They came recommended from…read moreour friends. The mortage process was lenghty and very complicated for us. As first time buyers in the US, we did not know what to expect. Since then we have had 2 attemps to Re-Fi and both times have failed due to false promises and lack of communication. We have been trying to contact them for weeks without a reply. Nicole Francis has not been available and does not return our calls even priomised by her staff. She was the reason we chose RPM, because she convinced us the Re-Fi could be done in matter of weeks and how they would give us the time and attention needed. This was in November last year. We are in end of April now. Don't waste your time with them.

Had a great experience with Jonathan Pass and Lisa Van Court on our home purchase in 2016 and…read morerefinance in 2020. The most impressive thing is their response time -- I consistently got replies to any questions within 30 minutes, within business hours or not. That's pretty amazing and it enabled us to lock in a great rate when timing mattered. I did look at rates available at internet lenders, and they were able to beat the rates and with better service. Jonathan made sure he understood our objectives and advised us how to meet them and what was realistic. He was able to think creatively when some income wasn't able to be considered, in order to make our first home purchase go through on time. We would definitely prefer to work with them in the future. Thank you Jonathan and team!

Natalie was recommended to us by our relators. Due to the COVID-19 situation, we were in a…read morecompetitive market but didn't want to sell our existing home until we secured our new one. After explaining our situation to Natalie, she explained to us our options. It was amazing how creative she was in identifying a solution that perfectly fit our needs. Months later, one of our offers was finally accepted in this crazy market! Every step of the way, Natalie was responsive and super fast at communicating. She knew exactly what we needed and answered our questions promptly. If she wasn't able to answer our phone call, we would get an email response within the hour. She was super supportive throughout the entire process and even informed us of our backup options if cards didn't play in our favor. With everyone working from home during this pandemic, getting a hold of people was super difficult, but this never happened once with her. Natalie was always quick at picking up calls and responding to them whenever we had a question. She ensured that we felt well-informed every step of the way and were making educated decisions instead of just going along with the pressure of the market. I would recommend Natalie to anyone I know! She definitely knows her field of work and cares for her clients. She's super on top of things so if you're looking for a reliable mortgage loan consultant, look no further. We'll definitely be reaching out to Natalie if we ever have future mortgage needs in the future. I'm sure she will treat you with the utmost care as she never lost patience on us even when I was on my 1000th question of the day.

My real estate agent recommended Dave Mingione, Senior Mortgage Agent.... he's a precious gem. The…read moreguy is on it.... one step ahead at all times and 24/7 fast response. His assistant Peyton keeps pace with him... dynamic duo. Rates are monitored, and forecasted rates are logical and current. The mortgage process was very easy, extremely organized, and the signing was as relaxed as a visit to Starbucks... I purchased in Livermore, CA, and Dave works out of the Livermore office... like the company... Love the Dave... he is one of those super high performers...unequaled excellence... and no I'm not related and simply relied on him for a smooth and effective mortgage service. If you work with Dave Mingione then you are taken care of at every step, every corner, and through the deal...and likely well after the deal.

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!

We found Sean through a referral from our Realtor, Jessica Nance, and honestly, I don't think we…read morerealized at the time how much that decision would shape our whole experience. As first-time homebuyers, we had a lot of questions... and then somehow even more after that. Sean never made us feel rushed or like anything was too basic to ask. He was quick to respond, super patient, and took the time to actually explain things so we felt confident in what we were doing. What really stood out to me was how calm and steady he was through the entire process. Buying a home can feel like a lot, and there were definitely moments where it could've been overwhelming, but Sean and his team made it feel manageable... and honestly, smoother than I expected. They stayed on top of everything and kept things moving without us having to chase anything down. My husband and I just always felt taken care of, which matters a lot with something this big. If you're looking for someone who knows what they're doing, is responsive, and genuinely wants the process to feel easy for you, Sean is your person.

Quoc at Golden 1 Credit Union was really amazing to work with. He was very informative about our…read moreoptions, the end-to-end process, and what benefits were available. He was right there with us every step of the way. He was always available to answer questions and proactive in keeping us informed. He made buying our new home quick and painless. Definitely one of the best mortgage experiences I've ever had!

Highly responsive. Informed. Helpful. Quoc was recommended…read moreto me by a coworker, and I'm glad I got a chance to work with him. He was so responsive at all times of the day and really helped me understand the process of buying a home. On top of the great rates, I felt confident with the advice and guidance he gave. The processing was slower than I hoped for, but he was able to talk me through it all. I definitely recommend giving him a call if you're looking for a home loan.

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!

Purchased a Discovery Homes house just over 2 years ago. Very little communication once they had…read moremy down payment. The salesman over sold the property and then disappeared ignoring every attempt at reaching him. The design center lady made us feel we were inconveniencing her by being there and did not help us at all. The final product was rushed, many corners were cut during construction which 2+ years on we are still dealing with. Almost EVERY TRADE has cut corners causing us issues. Difficult in scheduling follow up repair work. Lowest quality of everything they could find was used. Roof leaked in the very first rain, no flashing was installed where the vents exit the roof. Driveway was cracked in several places before we even moved in, and not in the control joints where it should have cracked. Gutters blocked solid with stucco. Baseplates on the concrete curb on the foundation not flush leaving holes for rodents to enter the house. Holes in the drywall under all the sinks where the pipes enter/exit which gave an entry point to rodents inside the home. Cheapest paint possible that stains just by looking at it. Leaking under the kitchen sink from day 1. Squeaky floors all over. Vent to heater was installed backwards which blew out the heater motor within 2 months of moving in. Wrong breakers used at the electrical panel which tripped far too often. Oversold, underdelivered - leaving me full of regret. If only I know now what I didn't know then.

Jennifer Romiti is the best, she followed up and helped us fix our issue. The techs are coming out…read moreto fix the issues

Laura Barbara from the Jarvis Team was AMAZING! She is very responsive and understood exactly what…read moretype of property we were looking for. Her local knowledge and expertise in the Danville/Blackhawk/Diablo area was key as we were building our offers. After our offer was accepted, she interfaced seamlessly with the title company, MLO, and contractors. The process was exceptionally smooth, and I would highly recommend considering Laura and the Jarvis Team to represent you.

Khrista Jarvis Team is one of the best realtors in the Bay Area and well regarded. Nicole Jung has…read morebeen in this business for a long time and knows the market very well. Nicole is amazing. With Nicole's help, I was able to purchase a beautiful home in the Danville area. She made the process seamless and ensured we got the best deal. She went above and beyond to ensure we were informed and made the best decision. I have two little kids so wanted to purchase a home that met their growing needs. She is very patient. I could really tell that she was not trying to make a quick purchase but she really wanted my family to select home that we could see ourselves living in for a long time as well as a home that could appreciate in value if we decided to move. Nicole's knowledge regarding the market is extremely valuable. Having assisted thousands upon thousands of buyers and sellers, she has expertise and knowledge that only comes from years of experience. She is amazing at what she does and can literally perform her own visual inspections of homes. Nicole also has a large network of professionals. You can trust her recommendations and I highly recommend speaking to her if you have any other concerns (escrow, lenders, contractors, repairs, etc).

I am so grateful for Moira Roberts at Cross Country Mortgage. She was extraordinarily helpful and…read morekind, during what was a very confusing, stressful process for me. I bought a condo and sold my house, and she was there every step of the way. Overall I had a great experience with them, always feeling like Team Hunter actually cared about what was going on. Thank you!

Would never use again. Customer service never has any answers and leaves you on hold until the line…read moredisconnects. Removes online payment option if applying for assistance, yet charges an extra fee to pay over the phone.

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.