Exceptional! I reached out to Kenny about multiple insurance products - long term care, term life, whole life. Let me step back and say this first - My family has a long history of buying all sorts of insurance over the last 30 years. In that time, we have met many people in the insurance industry across various roles. With that context in mind let me say this. Kenny is amongst the most thorough, knowledgeable, and helpful people I have ever met. He is not trying to just "sell you something." Instead he works hard to understand why it is that you think you need the insurance you have asked him about, he uses his intellect and creativity to suggest other options if they are appropriate (his feedback many times proved better than my own initial assumptions and work), and wants above all to help you. He is responsive, razor sharp, and high integrity. I started this review with the word "exceptional" - well, there is "exceptional" and then there is "truly exceptional" and then there is "rarely seen level of exceptionalism" - and for me, Kenny is just that. read more

Was overwhelmed with trying to figure out my financial future, and Kenny took the reins. He was patient, comprehensive, and extremely helpful in providing lots of options. Definitely a trusted provider that I can't recommend enough. read more

Kenny has been amazing to work with! Not only did he help with my first time home loan, he was professional, knowledgeable and kept me in continual communication through the process. I have very little knowledge of how this works and Kenny made sure I was taken care of even through the home insurance. Thank you for being there when I needed you. read more

Kenny and his team have been very responsive and have shown that they indeed care about their clients' financial well-being, and not simply trying to sell you something. I highly recommend Kenny if you are in need of any assistance with your financial or life insurance plans. read more

Where to start, geez Kenny is the man. From the first moment I spoke with him to the last, he has always been incredibly informative and helpful. Not only was he able to provide me a great competitive rate for a first time home buyer but he walked me through it every step of the way. Even when issues came up in the process on my end, Kenny was always a phone call or text away from a potential solution. In the end, I chose Kenny because he cared, and he showed it. Very similar to how one should connect with their agent, one should also be able to connect with their lender and Kenny provided exactly that. In the future, I will 100% be going back to Kenny. Truly thank you for all your help! read more

Kenny is great! My husband and I worked with Kenny for our original mortgage several years ago, and we got in touch with him again recently to refinance our loan through Guaranteed Rate. To start with, Kenny was able to give us a rate and closing costs that was significantly better than any other lender we talked to. He worked closely with us every step of the way, and was always available to answer any questions or concerns we had throughout the process. He coordinated everything with the appraiser and title company, and kept us well informed of where we were in the process. And everything closed ahead of schedule! This was our first time refinancing our home, and Kenny made the process super seamless and easy! read more

I recently bought my first home and was lucky to have Kenny as my loan broker! He was extremely communicative and made sure to explain every form that came my way so that I wasn't in the dark during the crazy, stressful process that is buying a home. I would wholeheartedly recommend him to anyone looking for a trustworthy broker! Thanks, Kenny! read more

Kenny has helped us with our refi. He is responsive and professional, highly recommend!

Kenny did my original loan and did my recent refinance as well. He was able to get the lowest rate both times and on top of that has been simply superb to work with. Clear communication and prompt service. Will not hesitate to work with him again. read more

Kenny was my lender of choice as my Fiancée and I hunted for our first home. He saw us through to the very end and for that I am grateful. Things I appreciate about Kenny: 1) He's down to earth. 2) Quick response time. (during the house hunt I was really impressed at how quickly Kenny got back to us after running the numbers on a place we were about to put an offer on) 3) He quickly adapts! (My apologies are due him for the times I didn't communicate about how our offers changed as we shifted our focus from place to place. Sorry Kenny!) 4) He put up with my anxiety. (I'm a very anxious person but that didn't end our working relationship) 5) He's positive! (Here is one of the main reasons I picked Kenny over 7 other lenders I spoke to. When I spoke to other lenders about how I wanted to find a home in a town an hour away from my job I was met with some suspicion and skepticism. Kenny was the only lender who instilled confidence in my decision. He said "I did that commute for years. You can do it too." That's what you want to hear when you're about to undertake a house hunt and those are the kind of people you want on your side: people who make you believe you can achieve what you set out to do. We hit a snag or two once in contract but considering it was right during Christmas, and Kenny was navigating our loan through a time unparalleled in its intensity for the Realestate industry, I don't hold it against him. He got the job done and I am grateful for what he did for me. read more

Kenny was recommended to us by our broker and helped us secure a mortgage. Our experience with him was spectacular. This was my first and only mortgage, so I've got no frame of reference about to expect. We spoke to two bankers - Kenny and one other. The other banker was a bit standoffish, not super friendly, and didn't seem like he was all that excited about getting our business. Kenny was warm, friendly, and eager to help. Kenny worked closely with us and our broker to make sure that we'd have a competitive offer with a 21 day close. He was a pleasure to work with throughout, incredibly responsive, and always there when we needed help or had questions. Highly recommended! read more

First time home buyers here and Kenny answered every and all questions we had. We appreciated how accessible he made himself, and while we didn't end up working with him, he referred us to very reliable people. He knows his stuff and I will probably continue to bug him with questions for as long as I own property! Thanks Kenny! read more

Kenny was extremely thorough, responsive, and exceeded all our expectations for a mortgage broker. He helped us through each step, first in furnishing a pre-approval letter, and in helping us secure financing within the tight deadlines of our closing timeframe. He was extremely flexible and happy to work with us with the five offer attempts we made on purchasing a home - with the fifth one finally resulting in the purchase of our first home. Throughout this process (spanning over ten months), Kenny was always responsive and would have great turn around times on our requests - a key asset in the extremely competitive Bay Area Market. On a few occasions, he even helped re-do our pre-approval letters while he was on a day trip and worked during off hours and several times on the weekend to meet our constantly changing timeframes and financing needs. When we were finally in contract on the sale of the house, Kenny was extremely detail oriented and efficient with his work, leading to a very seamless process. We didn't have any issues and were able to seal the deal within the aggressive timeframe. Kenny's extreme responsiveness and attention to detail helped us confidently put an offer and ultimately close. I highly recommend him. read more

Kenny Heller was recommended to me by a friend. I called him and he was very friendly. He explain everything to me in detail and gave me options on how to improve my credit. I am very glad that I called him for help. Kenny helped me with a few Issues I had with my credit and now I'll be able to buy in the near future. I am a business owner and it's very important for me to have good credit. I found the right person to help me. Thank you Kenny Heller. read more

My wife and I are first time home buyers, and in the crazy housing market that is San Francisco, we really wanted a mortgage broker whom we could trust and who could help us through each step of the process. Although several friends discouraged us from working with large banks, our first call with Kenny convinced us that he would set us up for success. We worked with Kenny for several months and he has been consistently professional, efficient, and easy to work with. Kenny guided us through all the necessary steps during our pre-approval to ensure that we could close quickly when we found our dream home. Kenny also patiently answered our many many questions through the process and helped us get through some of the more stressful aspects. He was always available and responsive, even during a weekend where he was traveling on the East Coast. We could not ask for a better mortgage broker than Kenny and wholeheartedly recommend him for anyone looking to buy a home in San Francisco!! read more

I had an impossible situation with several short sales and a credit report that I couldn't repair. Kenny, with his knowledge of the business, enthusiasm and tenacity stayed by my side through a long loan process and never wavered! He made it all happen. I owe my new condo to his amazing help! I would HIGHLY recommend Kenny. Thank you Kenny! Couldn't have done it without you! Cheers! read more

Getting a loan is stressful. There is no two ways about that. You need somebody that you can count on to give you accurate timely information. Kenny is just that person. He has detailed follow up to any question and will call/text or email when appropriate. I just closed on my new condo finishing up my seamless transaction. Thank you for your time, hard work and patience. read more

I'm a long time BofA customer (since 1990), and I switched to Wells Fargo happily because of Kenny. Kenny is a true professional. Not only that he took time to understand our needs and our situation, he led us through the loan application process from start to finish diligently. On the day we closed escrow, he even took time to show up at the escrow office to greet us. My husband and I have dealt with BofA's home mortgage service before, but Kenny's service and knowledge was by better than what we experienced with BofA. Kenny really made us feel like we were the most important customers to him, and my heart felt appreciation goes to Kenny for that. read more

I was luckily introduced to Kenny as a first buyer with zero knowledge on how to even take the first step of home-owning. Even though I walked into this intimidating market that both directly and indirectly was trying to turn my desire of owning a place down, Kenny was able to bring his ample knowledge, along with his firmly fixed patience throughout the entire process since day one. Today, thanks to him, I don't only have a place I call home: I have a place of my own! You could bring your pile of questions (as I often did), any concern, and inquires at any time, and Kenny will deliver all of them in your favor promptly and without hesitation . His friendly, yet professional service, is impeccable. I wish I could double the rating option presented on this website, because this individual deserves ten+ stars!!! To you Kenny once again: THANK YOU! I will undoubtedly be doing business with you again! read more

First time homebuyers here! Kenny was our north star through the whole process, and we couldn't have asked for anyone better to lead us through it all. He was patient, thorough, and diligent. We closed much faster than anticipated, and we owe it all to Kenny. Such a pleasure to work with, we actually looked forward to our calls with him. We wholeheartedly recommend him to any future home buyers. Thanks Kenny! See you at the house warming :) read more

Kenny is great!! I am a first time home buyer so he was quite patient going through all the new items with me and explained to me anything that I have questions with. Most importantly he was always efficient, getting quick turnaround back to me on things. I received superior, top class broker service from him :) Very appreciate the whole support! read more

We had a hard loan situation because we had been out of the country for a number of years and so our credit history was barren. On top of that we were first time buyers trying to get everything done from Europe. But we just moved into our lovely new SF apartment and it was really thanks to Kenny. He and his team are fantastic. Thanks Kenny! read more

Kenny went above-and-beyond in helping me to secure a mortgage and close on my first home! I started this process by obtaining quotes from a number of lenders, and Wells Fargo beat them all by a not-so-insignificant amount. From there, Kenny patiently worked with me to obtain all of the required documents and answer the many questions that I had. I'm especially thankful for the late-in-the-evening text messages that he responded to when some question crossed my mind. Obtaining a mortgage isn't simple, but work with Kenny if you want someone who can confidently move you through the process in a timely manner! read more

Kenny is the definition of "World Class Service." He kept us informed throughout the whole loan process making sure we understood every step. He was always there for any questions we had. Enough said...mic dropped read more

To understand the weight of my appreciation, you must understand my situation. I recently moved to the Bay Area from Charlotte, North Carolina for a job in San Francisco. After less then a year, I decided to buy my first home (rent was getting out of control). As I begun my search, I had a hard time understanding the ends and outs of the real estate market in the Bay Area (unlike anything I've experienced). That all changed once I met my realtor and Kenny. I was lucky to have Kenny as my loan broker. He was extremely communicative and made sure I understood every step of the process. In working with Kenny, the first thing you'll notice is that Kenny talks "with" you, not "at" you. He'll make you feel comfortable in asking questions about anything. Taking the time to make sure you understand whats happening with the process. To that point, the one thing you'll really respect about Kenny is that he looks out for you behind the scene when you least expect it. Making sure everyone involved has your best interests. I not only brought a new home, I made a new friend. Looking forward to working with you again. Thanks Kenny! PS. Shot out to Kenny's assistant April Wise. She's a charm! She was very friendly and helpful in collecting my documents. read more

Organized, efficient, great follow through. Wonderful experience with Kenny. Easy to communicate with, he knows what is expected of his as a Bay Area lender. Kind, courteous and gets the job done with style. Highly recommended! read more

Kenny was a tremendous help while I navigated my first mortgage. He answered tons of questions, usually within a few hours & sometimes even faster. His explanations were patient and detailed. He knows how to use email and digital signing services really well, which made all of our communications flow seamlessly. He answers email questions inline in a separate color; huge help when trying to understand so many complicated documents. I didn't get the sense that he was sending me stock answers, either; everything he said seemed customized to my particular circumstances. I also really appreciated that we were able to do some of the most complicated pieces in person. He always acted as a consummate professional, but at least once he was a consummate professional wearing cute sneakers. I can relate to a man in sneakers more than a guy who always wears a gray pinstripe suit. All of this service still got me a competitive rate on my loan. So glad I ended up with Kenny as a partner on this adventure. read more

Kenny is very knowledgeable and provides incredible customer service. He always goes above and beyond, and is a fantastic professional.

Kenny Heller was incredibly thorough and diligent from pre-approval to the close of my loan. I came to Kenny with a tight timeline and budget and he completed the transaction a day ahead of time for less than anticipated closing costs. His knowledge about the process instills confidence, especially for a first time homebuyer. He was always accessible and a pleasure to work with. I will recommend him to all of my family, colleagues and friends. Thank you, Kenny! read more

TL;DR: we had a bad experience with a different lender and superhero Kenny Heller swooped in and saved the day. ___ My wife and I were deep in the process of applying for a first mortgage with another lender when we became fed up with the poor service we had been receiving. The farther along we got in the process, the more people got involved and the worse the communication got. We were frustrated and had lost a lot of trust for that lender. We expressed these concerns to our wonderful Buyer's Broker, Lorraine Meier at Zephyr, and she referred us to Kenny Heller at Wells Fargo. The difference was astonishing. From the very start of the process Kenny took the lead and helped us get from start to finish remarkably quickly. He offered better rates and a better mortgage product, and the level of service was unquestionable. When new members of the team stepped in to take care of different parts of the process, Kenny stayed in touch and kept on top of any questions we had. He communicated effectively with us, Lorraine, and the rest of the team at Wells Fargo and made the pre-approval, approval, and closing process a relative breeze. He knows the Bay Area real estate market and understands the speed and accuracy that it takes to close a deal. We are SO glad that Lorraine sent us to Kenny. read more

I had the pleasure of working with Kenny Heller these past few months to buy my condo. I was a 1st time home buyer and didn't even know where to begin. Kenny's communication was excellent. He was quick with his responses and very patient with me no matter how many questions I had. I really appreciated his help throughout this long process. I would highly recommend Kenny if you want a smooth transaction for your next buying experience. I will definitely be using him for future purchases. read more

Kenny is one of those rare diamonds. A thoughtful, customer-focused expert who attends simultaneously to the details of this oftentimes complex process and how you feel throughout. I hail from the U.K., so had little knowledge of the real estate market here. What at first felt daunting now feels simple, thanks to Kenny's support and guidance. I now have a deeper appreciation of the financing options available, a transparent understanding of the associated costs and the confidence to make a significant purchase in a land far from home. Wherever you come from, if you're thinking about buying a property, I'd highly recommend starting with Kenny. read more

After going through three lenders and having them all (frustratingly) fall through, I began working with Kenny at Opes. Since the previous lenders did not work out, we were on a tight timeline to get my loan approved, and I have to say I was really impressed at how quick and responsive Kenny and his assistant April were at correspondence and turn-around on documentation. Let's face it...most first time home buyers like me have no idea what they're doing, so I was glad to always have a friendly, efficient, and patient person like Kenny to lean on. I would definitely recommend him! read more

Kenny is very knowledgeable and easy to talk to. Kenny provided my partner and I useful information toward the home buying process and even was able to help after. He was very professional but with that added sense of warmth that made me feel at ease with the information I was receiving and the step I took there after. I would highly recommend Kenny with friends and fam. read more

Kenny Heller is a true professional when it comes to the business of lending money. Knowing Kenny for many years, there could not be a better choice to go to whenever you are in need real estate financing. He is extremely thorough, detail oriented, and an excellent communicator. With the constant changes that occur in this industry, Kenny works hard to stay ahead of the game and to make sure he delivers quality results. read more

Kenny is a very decent and responsible mortgage broker. He is helpful and proactive at every step of loan application. He never fails to answer phone calls or emails and his informative advise makes the tough application progress smooth and successful. read more

Member for years, but this marks my first review ever on Yelp. I've never been motivated to write reviews (just read mainly), but Kenny's great service throughout the close process has compelled me to write one now. Kenny was really quick. He helped me close faster than I would think humanly possible. He also worked closely with me and my circumstances and helped guide me through every step of the process as well. Always responsive and a pleasure to work with, I couldn't recommend him more! read more

We are so glad we were introduced to Kenny Heller! Out of the blue we found a vacation home we fell in love with. We didn't even know if we could qualify for a loan so our first step was to call Kenny and within a short time frame Kenny was confident he could do the loan. To our further surprise the process was not only fast but efficient. You're also hard pressed to find someone with a better response time. I recommend him without one bit of hesitation. read more

Kenny Heller is the only good thing in this insanity we call the San Francisco housing market. My fiancé and I were first-time homebuyers. We put in for pre-approval at multiple banks at the same time to suss out who we wanted to work with. Every other mortgage broker we started with worked on our requests on a normal, reasonable timeline. Not Kenny. He understands San Francisco and the insane timelines that happen here. We got our pre-approval days after submitting the paperwork (not weeks/a month like B of A and my credit union). Kenny was on the phone with me every step of the way explaining both the typical mortgage process and the points that were unique to us. He then worked with us to submit all of our initial paperwork to underwriting before we found a place which meant that when we were ready to make an offer our mortgage was completed in under two weeks! We won the first house we bid on and not because we made an exorbitant offer, but because Kenny Heller had our back the whole way. But don't take my word for it... The whole time we were interacting with other professionals during our housing search (real estate agents, home insurance brokers, etc.) everyone would exclaim to us, "Where did you find this guy??!? He's amazing!" Thanks Kenny! read more

I have owned 5 homes in the past. Recently, I used Kenny as the broker for the mortgage on my sixth home. He was the pinnacle of customer service I have ever experienced in a home loan situation. Kenny is knowledgeable, RESPONSIVE, hard working, and professional. He worked very hard with many lenders to find the best loan product for me. I highly recommend him. read more