Just had the pleasure of working with Victor at this company Santa Cruz lending group, the guy name…read morewas Victor Romero. It was an awesome and informative meeting. I really enjoyed working with this guy very professional and very helpful. I suggest if you need information returning to property lending, you look him up this guy is great

My husband and I were first time home buyers so we really didn't know what to expect let alone do…read morein this process. Jessie was incredible to say the least! We closed in 16 days and every step of the way was seamless and easy. She made our lives so much easier in this process, I would never buy another house without her!

Monica Bowman is amazing! She is your go to person to start your homebuying process. Monica knows…read morethe loan process in and out, and she took the time to help me gather all of my paperwork and help analyze my finances. Monica truly has your best interest in mind.

Amazing lender. Has done 2 mortgages and a refi for us and always goes above and beyond the line of…read moreduty. Monica is an absolute expert in finding the right rate and gettin tough paperwork over the line to make sure you get what you need on time.

As first time home buyers, the sheer idea of buying a house can be overwhelming. From day 1, Matt…read moreand his team were patient, thorough more than willing to help answer (and re-answer) all our novice questions. We left Matt's office confident that if/when we bought a home, O2 would be our lender. Then we found a house... It was a brand new build in Hollister, CA. The builder makes it seem like going with their lender is the only logical, economical choice because of the "credit" they give you towards your closing costs. Needless to say, we drank the kool-aid and signed on the (many) dotted lines. Matt was understanding and even offered to be a second pair of eyes if anything about the contract was confusing. What a guy! Fast forward 6.5 months, we are about to close, and I reach out to Matt jusssttt to make sure we're actually getting a decent deal. THIS CALL SAVED US $100,000. As it turns out, O2's rates were better, their fees were lower and the "credit" we thought we were getting is immediately erased by a fee they charge, so it's a total wash. Matt and his team worked round the clock to make sure we were still able to close on time, which we did. They were prompt, considerate and meticulous. My only regret is not going back to Matt and his team sooner. Whether you are a first-timer like us, or a seasoned home buyer, we HIGHLY RECOMMEND Matt Falconer, Danny Schaezlein and the team at 02 Mortgage. We are life-long customers!

Matt helped make the most important (and what I thought would be the most complicated) purchase of…read moremy life easy and stress-free. Anything I was worried or confused about was resolved with efficiency and care. Thank you Matt : )

I was a first-time homebuyer and very nervous about the process from hearing horror stories from…read morefriends and from online research. Jim and team did an amazing job! Jim was always available to answer my questions. Chaz provided a very clear list of needs so there was zero back-and-forth. On my side, the process felt very easy and streamlined. I really have no idea what was involved on the backend, Jim worked directly with my realtor, and basically I said "I want this" and they made it happen in record time. This team knows what they are doing and provided the ultimate support along the way.

I worked with Jim on a recent a bridge loan, to help secure financing for a Property in Big Sur. He…read moredelivered on time, and did a great job. He kept me abreast of things in real time, and was very quick to respond to my emails and texts. I highly recommend him, and look forward to working with him again.

I got a home loan with Kaila Linkswiler and she was phenomenal to work with. She was a great…read morecommunicator and was quick to keep me informed with any updates on my loan and was readily available with any questions that I had. Thank you Kaila and Bay Fed!

I called today and had the pleasure of speaking with Brittany in member services. I needed some…read morehelp in figuring out how to pay my credit card bill. I had had some issues with my payment by mail not being received in a timely manner. I am always hesitant to do anything online, so therefore have been writing checks to you for years! I told her my situation, and she explained in detail, the best course of action and easiest way to pay my balance. She was so helpful. I had so many questions! It was so nice to talk to someone who really cared about the issue and wanted to resolve it for me. (Which she did) I have had Bay Federal for many, many years and have never been disappointed. Brittany was so friendly and helpful. Thank you for having such an amazing person working in member services!

Hands-down, the best bank around, no other bank has ever given me. The kind of customer service…read morethat Mechanics Bank has, they really go out of their way to keep me from paying unnecessary fees. Every time I go in, I feel this way, and it's been that way at every branch I've visited. I would give them six stars if I could.

They will hold your money from state entities. You will receive random calls asking for personal…read moreinformation and then demand you submit paperwork in person to release funds that were paid to you. You will not get a straight answer. They will often give you answers riddled with "probably" and "maybe." Do yourself a favor and skip to another bank.

After my bank wouldn't open a new account for me without an appointment, even after banking with…read morethem for 30+ years, I decided to go into Santa Cruz County Bank to see if they could help me. I was greeted by Jade, who was happy to help me and opened my account immediately. I now have renewed faith in customer service! Everyone was exceptionally friendly. Thank you Santa Cruz County Bank for a most pleasant experience! I'll be moving more accounts in the near future!

Another well-deserved thank you -- for Cesar and his Capitola team. They've been totally helpful…read moreand very efficient for us. It's completely clear that having a working relationship with a local bank is a strong asset for ours and any local business. And one more Santa Cruz County Bank story: we were so glad to have Angelo DeBernardo, Jr. and his team on our side with the COVID-19 pandemic SBA PPP loans. Unbelievable service and support there; that made the whole process a lot easier and ultimately successful.

I am upset I gave this guy any business. He is rude, unresponsive and lazy. I don't know who is…read moregiving him any good reviews probably only his friends and family. I have never had to ask multiple times to get closing paperwork. So unprofessional. He is another person that doesn't want to do his job and takes forever to get anything done.

I bought my first home about 9 years ago, (2003), and got financing through Monterey Bay Mortgage,…read more(Forrest). Great experience, Forrest and his team made the process very easy. Not only is Forrest very knowledgeable, but also very freindly. So when I decided to to" refi" about two years later, (2005), I used Monterey Bay Mortgage & Forrest again. Another great experience. Fast forward to 2012. It came time to refinance again as the mortgage I had chosen was a 7 year adjustable. Due to the current economic conditions I was concerned that i may not qualify for a new mortgage ,or that my interest rate would adjust to a payment I couldn't afford, (even though my credit and income were still good). I was incredibly relieved to find out that the mortgage Forrest had gotten for me would be adjusting signifigantly downward, cutting my interest payment in half and applying much more of my payment toward principal. WHOOOOO! This is great, local service. Monterey Bay Mortgage, Forrest & his team demonstrate over & over that they want to have a continuing business relationship, not just a one time transaction. I also have to add that the staff are always very freindly. Every time i've called somebody pleasant answers the phone. When it comes time to refinance again I will be going straight to Monterey Bay Mortgage and Forrest. If i Could give 6 stars, (instead of the max. 5), I would, the experience has just been that good!!! Dave C.

Jim said the right things but did not follow through. My son got all his information in to Pacific…read more Inland as requested then after weeks of waiting for his refi found out that Jim had done nothing. Lots of excuses, "software glitch", he just abandoned him. Would never trust Jim Chubb with your finances. POOR service.

Jim, Christy, Amie and the rest of the team at Pacific Inland Home Mortgage just finished my 2nd…read morerefi in 2 years and they are awesome! Jim and crew go above and beyond to get stuff done that most lenders can't or won't do... Awesome job guys and I highly recommend them for anyone doing a refinance or purchase.

I refinanced my home and took out extra money for home improvement with Zoe Wimmers. She was…read moreextremely knowledgeable and gave me the information I needed to make the decisions that were best for me. She consistently kept me updated with the process and gave me realistic timelines for each step. She also made sure I knew what to expect and took off any extra burden.

From the owner: We inspire, enhance and deliver a highly customized financial lending solution for our…read morerelationships and clients to best utilize their home to meet short term and long term goals.