1. Mariya Ruchka

1. Mariya Ruchka

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San Francisco, CA

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Chris Granger  - Xpert Home Lending - A site condo we bought in Berkeley with Chris' guidance

Chris Granger - Xpert Home Lending

(88 reviews)

Outer Sunset

I've worked with Chris on the purchase of two properties and a recent refinance, and I honestly…read morecan't imagine going through these transactions with anyone else. I'm self-employed, so my income isn't straightforward. Every loan has been more complicated than it probably needed to be, but Chris never once made it feel like we were a burden. He spent countless hours with us over the years answering questions, running different scenarios, explaining our options, and figuring out the best path forward. I know he put in far more time than most brokers would have. One of the things I appreciate most is that Chris is also a real estate investor. He understands that financing isn't just about getting a loan approved--it's about making smart long-term decisions. He's always thinking ahead and sharing ideas that have helped us make better choices as we've started building our own real estate portfolio. On our last purchase, the listing agent already knew Chris from previous transactions and spoke very highly of him. That gave us an immediate sense of confidence, and I really believe his reputation helped strengthen our offer. Beyond all of that, Chris is just a genuinely good person to work with. He's honest, patient, incredibly knowledgeable, and always willing to pick up the phone. You never feel rushed, and you always feel like he's looking out for your best interests. If you're looking for a mortgage broker--especially if you're self-employed--I couldn't recommend Chris more highly. We're incredibly grateful for everything he's done for our family and look forward to working with him again.

I highly recommend Chris & team to anyone with home lending needs. They were informative and they…read moreensured that the process moved along smoothly. Their resources and knowledge helped my family feel secure during the entire process.

Scalisi & Bernazzani Financial Services - Building a Roadmap to Your Financial Success

Scalisi & Bernazzani Financial Services

(42 reviews)

Inner Sunset

I paid Brandi lots of money. She sent me aggressive all caps emails. She gave me homework, I…read moresubmitted it and then she schedule a one hour meeting where she reviewed it in front of me. I had big questions about long term investments and she told me I could save money by changing my cell plan. She came recommended from a friend, but my experience was nothing short of disappointing. The entire time we worked together she made me feel like I was lucky and she was doing me a big favor. She has some formula with some pretty antiquated forms. . I regret working with her.

Brandi is a rock star! She knows her stuff, and you'd be lucky to work with her! After years of…read moresort-of doing things right while working, raising our kids, and not thinking much about money, my husband and I spent eight months working with Brandi on all pieces of our planning, all on Zoom making it convenient for our busy lives. We took deep dives into our short- and long-term savings/investments, budgeting, insurance and benefits, tax-related considerations, estate planning, retirement planning (and it's better than we thought!), and more. We shored up many pieces that needed an expert's touch, so have much more faith in where we are financially. Even better is that she does all of this work through a values-based lens, which really worked for us. And we can reach out to her from now on at her office hours to ask questions that come up for us. If you're looking for a comprehensive plan, and are willing to do work along the way, hire Brandi. I'm so glad that we did.

Reena Loans & Real Estate - Financed

Reena Loans & Real Estate

(4 reviews)

Outer Richmond

I couldn't be more please with the work that Reena has done for me and my family. Coming…read moreinternationally and looking to buy a house was made so much easier with the expertise and organization of Reena. Reena was very accommodating and walked us through all the paper work and financing options which were clear and simple, not filled with completed banking/real estate words that I wouldn't understand being international. I was hesitent to start the house search during the pandemic but I was surprised how fast and efficient the whole process was. I am beyond happy with Reena and am sure anyone will have the same level of care and expertise I had.

Reena is fantastic with real estate and loans!! We used her to sell our condo in Emeryville and…read moreloved her work so much that she was the first and only person we contacted when we were going to purchase a home in the San Francisco area. She was amazing through the entire process of selling the condo; it literally flew off the market! Since we had such a joyful experience with the selling side we asked Reena if she would represent us on the buying side. When we found our perfect house she got us a loan with a great interest rate. We were so happy and surprised by that because my partner didn't have the best credit and we were worried that the banks would deny our loan request. She really delivered for us and we purchased our dream home.   Reena is way more than just an agent looking for a commission she will be honest with you, give you all the information, and most importantly look at tons of houses with you until you find the one you love, and has a smile the entire time. She goes above and beyond and delivers on her all commitments. I would highly recommend Reena to anyone buying, selling, or even just getting a loan in the bay area. She is now the only agent I will ever contact.

City Loan & Financial Center

City Loan & Financial Center

(3 reviews)

Inner Richmond

I wish I could give her 10 stars!!! I can't say enough good things about PJ. I was being wayyyyy…read moreovercharged for another loan on a new triplex purchase and called PJ. She was able to get me a better rate, within days (the other lender was trying to charge me $10K for a 4.6% rate. PJ got me a 4.25% rate with zero points and some cash back at closing.) She even offered to push her vacation back so we could close on time. This is the 2nd time I worked with PJ she helped me sell my first home, helped my brother purchase his and trust me if she could get him a loan, she can help ANYONE!!! lol If you want someone who is going to get you the best loan, save you money and handle things professionally and quickly. You found her!!! A+++++

Working with PJ was a incredible experience from beginning to end. She guided us throughout the…read morehome buying process and helped us feel confident at all stages. Her negotiation skills were instrumental in closing the deals. Any advice that she gave us was based on her vast experience in buying, selling and financing real estate transactions and proved to be very beneficial to us. PJ is very thorough, she works her butt off, and did her due diligence when it came to the paperworks and contracts. When buying home it is important to have a good team, and PJ played a major role in our purchase experience. PJ led us through the whole process, giving us updates and communicated with us every step of the way. PJ's assistance in our purchase of our house was an excellent experience. She's the best of the best I would highly recommend her.

Mariya Ruchka - mortgagebrokers - Updated July 2026

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