My wife and I were looking for someone to handle our refinance and we were routed to Kimie based on…read moreYelp. Kimie more than met our expectations when it came to handling this process for us. She has immense knowledge and resources regarding refinance options and really helped guide us towards our ultimate goal. She gave us clear information and always ensured she was providing us with accurate and detailed informed so we could make an informed decision. She was extremely flexible and communicated every step of the process to us in a timely manner. She went above and beyond to answer our questions or research any issues we needed to complete on our end. We have Kimie to thank for impeccable and timely service in our refinance process. Her professionalism and eagerness to help us get this process complete and work with our schedules was truly amazing. Kimie went the extra mile to ensure all our needs were met and was diligent in helping navigate us through questions and concerns even after our loan process was completed. We would highly recommend her for any of your mortgage needs and will ensure she is our go-to person for any future mortgage business!

As a real estate professional there are certain qualities I look for in a lender. I met Kimie over…read more15 years ago. What I can say about her is that she is very hard working, very honest, and is very competitive. She has ALWAYS closed on time with new money purchases. She will take her time to explain the process to first time buyers and they tend to love working with her. I trust her enough to finance my own house through her, refer her to my mother, brother, and all my clients.

Julie was recommended to us by our real estate agent and we are so happy she was. Julie (and her…read moreteam) worked with us step-by-step to get us through the mortgage application process. She is professional, courteous, and approachable. In short, we are delighted with Julie.

The only time I write Yelp reviews is when a business goes above and beyond my expectations. For…read moreme, Julie met that high bar. I was very impressed with her dedication and patience as I asked question after question... (hope it wasn't too much, Julie!) If you need someone who's got your back during an often stressful time in finding a mortgage, do not hesitate to give her a call!

Jeff helped us refinance our home at a good rate. This was during the pandemic, so everything was…read moredone online. We only had to meet in person for a few minutes with a notary to sign the final papers, which was a short stack because the rest of the final papers were e-signed. Overall, the process was smooth, and Jeff is very communicative throughout the process and transparent about explaining the numbers. He also sends helpful emails along the way with FAQs that anticipate the questions you probably have at each step. I was referred to Jeff by a colleague, and I would recommend him to anyone.

We used Jeff's service for refinancing our home. We experienced great service and communications!…read moreAll questions were answered promptly via email. And refi process went through without a glitch.

Nikki and her team came highly recommended. After they assisted with our home purchase I can…read morepersonally say this is the team you want. Many aspects of a home purchase can be complicated and stressful, but not with her team. Nikki James and the Opes team were excellent all around. With their communication and detailing all the documentation we needed. Not only were they efficient, but this was a fast and seamless process. Do not hesitate to add Nikki to your home purchasing team.

While we weren't familiar with Opes when we initially started looking for a lender, many of the…read morereal estate agents we talked to were. They were quick to tell us how much they like partnering with Nikki (at Opes) because of how reliable, fast, and efficient she is. Needless to say, that kind of validation from third parties in the industry was a very strong signal. Our first meeting set the tone for the relationship; Nikki is such a warm, friendly person, and she immediately made us feel comfortable. She wasn't trying to give us the hard sell on anything, instead spending time getting to know us and patiently answering all our questions about the mortgage business. We came away from that initial encounter feeling confident that we'd found the right person to help us through the stressful and intimidating process of acquiring our first home loan. What especially appealed to us about Nikki's approach is that she analyzes her clients' overall financial picture to help them figure out how much they can afford to spend on a house and how much they should borrow. She spent a couple hours with us plugging in numbers and making several (conservative) projections based on a few different scenarios. Although I consider myself to be fairly savvy when it comes to managing my money, as a first-time home buyer I found this exercise to be tremendously helpful and informative. It helped us feel more comfortable with purchasing a home and taking on a mortgage because we were able to understand what we could truly afford. Perhaps more importantly, it's a responsible business practice in an industry with an otherwise poor reputation for protecting customers, and was a signal that Nikki was looking out for our best interests. We were initially a bit worried that this level of service would come at the cost of higher rates or extra fees. That wasn't the case, however; we spoke to several other lenders and the interest rate we got from Nikki was as good or better than any of the other quotes we got. When our offer for our home was accepted, things got real. Because of regulations, lenders require a tremendous amount of financial information before final approval of a loan. It's an overwhelming process, but Nikki and her assistant Niki (yup, you read that correctly) were with us every step of the way. They sent us lists of exactly what which documents and details we needed to provide, were quick to reply with answers to any questions we had. I can't think of a single reason why anyone wouldn't work with Nikki to get a home loan. She was lovely to work with, and her level of service, integrity, and competitive rates made our decision to go with her a no-brainer.

We just refinanced our mortgage with WellsFargo through Peter in Jul'2021…read more We had a great experience working with Peter since I first reached out to him for refinancing back in 2019. We ended up re-financing only now, but Peter has been very helpful since I first got in touch with him in 2019. He was extremely clear and prompt with his communication and always responded to all our queries extremely patiently. I was repeatedly asking him to check the mortgage rates during the process and he made sure we caught the very bottom in the re-financing period for a great rate. I would whole heartedly recommend Peter Keller for any of your mortgage or re-financing needs.

We wish we could give more than 5 stars for Peter! We…read moreworked with Peter Keller at Wells Fargo for our home loan. Peter is one of most hard working loan officers we have come across. Peter is very responsive and always available to answer any questions (including weekends and off-hours). He has so much attention to detail and ensures that all the documents are perfect from the beginning of the loan process. He clearly explained the process and requirements from us. He also gave us a very accurate timeline. He worked with underwriting to ensure any questions are answered and documents requested. We must say that Peter made the loan process so much easy for us. He went above and beyond to make us feel comfortable about the home appraisal, loan process and approval. A huge thank you to Peter. If you are looking for a home loan officer who is hard-working, takes a huge burden off your shoulders, and makes the process easy for you, Peter is the person to go to!

We worked with Sheryl Klein on a recent refinance. She made the process seamless. First off she…read morefound us a rate where other brokers told us it was not worth it for us to go through the process. Then Sheryl kept the process moving smoothly along. Her response time was always very quick if not immediately. She kept us up to date on everything going on while we were waiting for approval. I would highly recommend Sheryl's services and as she definitely knows her stuff.

Sheryl is extremely smart, ethical, and kind. When seeking out her advice on refinancing she…read moreactually cautioned against refinancing with my current adjustable rate so low. I have checked in with her a few times on various interest issues and she is always happy to give information. When the time is right to refinance she is my go to professional.

We recently worked with SpoLoan with the purchase of our home in Corte Madera and I couldn't be any…read moremore happier and satisfied with the service provided by Joel and his team at SpoLoan. They were extremely efficient with the whole process, professional in all forms of communication, and insightful with all of our questions and concerns. They went above and beyond their responsibilities and I will highly recommend them to everyone I know looking to purchase a home. Within the first few minutes of speaking with Joel, it was obvious that he was very professional and knowledgeable in this field. And throughout the process, he expertly guided us through each step of the way, making sure all of our needs and concerns were met. When a discrepancy was found on my credit report, which was mistakenly filed and falsely inaccurate, Joel easily helped me to resolve the issue and the discrepancy was permanently expunged from my credit report. I will definitely use SpoLoan in the future for all our real estate transactions and I am confident that Joel and his team will continue to give the best customer service deserved.

We recently bought a house in Sunnyvale with the loan secured by Joel, and couldn't be more happy…read morewith the whole process. We have two little children so we didn't want to go through the process of selling our townhouse first and renting before buying a house. It seemed like almost an impossible adventure to buy in this competitive market if we didn't have enough cash unless we sold first. And this is exactly what we were told by several other lenders. But Joel was able to provide us with a bridge loan and also with the main loan and impossible became a reality! His reputation was also a deciding factor in having our offer accepted in a multiple offer situation. Underwriting process these days can be a grueling process with hundreds of documents needed, and Joel was able to navigate us through the paperwork needed and keep an eye on all the details. It is a time-consuming process when we had to spend hours on a phone, and Joel was extremely accommodating working after hours and weekends when needed, responding promptly to all the emails and phone calls. He is always very friendly, personable and professional. We couldn't have bought our house without Joel's expertise and will definitely come back when/if we need to refinance or buy another property. We recommend Joel with no hesitation!

I met Shila at a friend's recommendation in order to get a mortgage for my upcoming home purchase,…read moreand I must say, I had no idea what I was getting myself into! I went to her completely ignorant about loans, mortgages, or home buying.  Yet, she was extremely helpful, friendly, and patient with me. It's easy for me to talk about how well she executed her job because, well, she's really damn good at it.  I got an amazing rate for my first ever mortgage, she helped me navigate all the paperwork, and helped me with all the extra things I could do in order to reduce my rate.  The first time we met, I got a preapproval before I knew it.  When the time came to purchase a house, she moved expediently, allowing us to close in 20 days! But Shila went beyond that.  She made herself available, even nights and weekends, to help answer any questions I may have had.  The number of times I messaged her with "I'm so sorry to bother you again, but..." are too embarrassing for me to count, but her response was always a steady "no bother, I'm here to help".  In a process as daunting as purchasing a home, it's easy to get lost, but Shila was instrumental at guiding me through the process.  She even drove up all the way from Palo Alto to San Francisco to attend the closing just in case I may have had any questions upon signing.  I couldn't have asked for anyone else to help guide me through this journey, and for that, I'm extremely thankful.

We met Shila on recommendation as first time home buyers and could not be happier. Her work ethic,…read morehustle and empathy are immediately apparent. She took our many questions over phone / email / text at all hours of the day, working hard for us even through late evening hours of a long weekend. She helped us understand the process of home buying in detail and put us at ease with her clarity and transparency. We often ran the numbers together, looking at the best rates and amortization schedules as she shared her insights and tips only an industry expert would know. In short, Shila gets us, worked hard for us and consistently looked out for us. I'm confident she'll do the same for anyone that has the opportunity to work with her. Thank you Shila!

We just closed on a house and James was our lender, recommended by a friend. James did an amazing…read morejob overall and I would wholeheartedly recommend him. We spoke to 3 different lenders and settled on James as he was able to give us the best rate and was also the most knowledgeable and personable. He really took the time to understand our situation (which was a bit different from the average person with us having started a new business recently) and make it work for us. He's extremely personable and a joy to talk to. Every interaction was great. He goes above and beyond in finding extra ways to help and was also very creative in thinking through each challenge/question we had.

James and his team have been truly spectacular in helping us with the mortgage loan. Right from the…read morebeginning till the end they guided us in each and every step so we can close on time. From gathering required loan docs to review of overall loan application and mainly for their patience and willingness to help in all phases of the loan process. James possess immense knowledge with mortgage loans and I sincerely thank you for all the help we got from you.

Just completed my first-time home buying experience which was overwhelming to say the least. Jamie…read moreis top tier when it comes to working with lenders / mortgage brokers, etc. She made the process very simple and efficient. She was patient and answered all of our questions promptly. There were several unique factors to our application which required writing and signing several different statements / letters for the underwritters. Jamie was able to help us draft all of these letters which made the process incredibly efficient because all of the required content was present in the first draft and didn't require us to iterate back and forth to get the verbage in an appropriate format. I will 100% go back to Jamie for future mortgage needs, and will absolutely refer her to any friends and/or family in the future. Highly recommend!

We've worked with Jamie on two home purchase mortgages and two refinances over the past 4-5 years,…read moreand cannot thank her enough for supporting us. In addition to being very accessible to answer questions, Jamie also looks for creative financing solutions to meet our needs and situation. We would gladly recommend Jamie to anyone looking for financing for their real estate. Thank you, Jamie!