The team at Mosaic Mortgage was amazing and an integral part in my wife and me getting into our very first home. They were very helpful and patient with all of our questions and walked us through the process. We both really enjoyed working with them and would recommend them to anyone :-) read more

I am a new home owner with the help of Mike and his team! Awesome service, communication, and honest group of people I have ever worked with! I went in buying a new home with my bank agent until Mike came in and helped guide us thru the whole process! I mean from the beginning till the end! He was and still is, always there with his quick response and answers. He was super flexible with my crazy schedule and commute, but still went out of his way to make things work best for us. Awesome group of people!! I would recommend to anyone who is in need of help! read more

Incredible. Amazing. Easy. Trustworthy. Perfect. These are just a few words to describe the exceptional experience we have had with Mike Aning and his team! Over the years, Mike has supported us with 2 mortgages and a refinance. Not only is he attentive and great at what he does, he always calls back when he says he will and delivers on his commitment to professionalism and service. Mike and his team are always realistic, pragmatic, and extremely supportive. As first-time home buyers in the California marketplace, Mike made miracles happen for us without ever compromising our financial stability. He held our hands through the process, and delivered outstanding results. We are excited to continue working with Mike, Patricia, Faith, and the rest of the Mosaic Mortgage team. This crew is the best in the business! read more

I was referred to Michael with Mosaic by a realtor Rick Corr with Keller Williams. I had no clue to all the details involved in getting yourself ready to buy our first house. Michael met with us and detailed every step we needed to take to be ready. A few months later when we were ready and found a home the Mosaic team went into action to help make our dreams come true. Michael and his entire team were so helpful, professional and made sure the whole process ran smoothly from the beginning to the end. I feel truly blessed to have been connected to them and highly recommend them to anyone. read more

Mike is an exception in the mortgage business. He's knowledgeable, professional and is accountable. His team work well together and are coordinated. Like a Vintner that has mastered the craft of making fine wine, Mike is well versed and is a master at his craft. If you need a mortgage company that will guide you through the whole process, look no further! read more

Was referred to Mike at Turnkey from my real estate agent. I hadn't bought a home in California before, so was a little unsure of the process and what was expected. Mike walked me through everything, was able to get me a great rate, and offered some solutions to securing a great loan at a lower total monthly payment through processes I hadn't even considered. Mike was easy to talk to, got back to me with any questions I had quickly, and was all around a solid guy who earned my trust. I like the local feel, and having someone I can talk with face-to-face was a welcome change over my last, inhuman experience a few years back. I recommend Turnkey for anyone in a similar situation. read more

The rent at our apartment was rising, and not just a little. I am sure this is a sentence that most people in Silicon Valley can relate to. Anyway as a Hail Mary we decided to just see what kind of loan we could qualify for to at least have a sense that we did our best to look at all of the options. That's how we met Michael Aning and his team and ended up in a home. Things we really appreciated about the Mosaic Mortgage Group: we felt heard, we were not pushed to the upper limits of what we could "afford" in a home loan, and I believe they go above and beyond to get the job done. We had one challenge during our work with the Mosaic Mortgage Group: communication. Let me be very clear on this point, communication was a challenge but not an overwhelming one. Often the process of buying a house is challenging and scary. I believe that Mosaic Mortgage Group does their very best to take care of as much of the challenge as possible. Because they take that on, sometimes we felt left out when really we were being cared for. However, as the process moved forward we discussed these concerns with the Mosaic Mortgage Group and they were addressed and we ended on an extremely positive note, with a house. I would use Mosaic Mortgage Group again though I hope it won't be necessary for a long long long time. Thank you for your support and guidance Mosaic Mortgage Group. read more

As first time home buyers, my wife and I were presented with loads of confusing jargon, processes, and emotions especially with COVID affecting everything. It definitely helped to have someone as amazingly accessible, trustworthy, and sharp as Mike Aning on your home purchasing team. He spent time to explain each stage of the home loan in such clear language in a way only a patient teacher can do. Not only that, his team has the ability to be both mortgage broker and in-house loan originator meaning he can shop for the best loans and underwrite your loan ahead of time. The latter part is something many banks won't do because there are quite a bit of upfront costs, but it will make your bid look that much more attractive in multiple bid situations -- basically every house in the bay area. Among the hundreds of decisions you'll have to make when purchasing a house, you and your partner (and your real estate agent!) won't go wrong choosing Mike Aning as your loan agent. read more

Thinking about purchasing my first home was obviously daunting, and at the same time, very intimidating as I was totally clueless on the whole process. I was looking to work w a group who can provide me with some "hand holding" and to educate me about the industry and process of home loans. In this day and age, it is imperative that consumers and customers like me receive fast and friendly customer service. This means folks such as Michael and his team must work very efficient in order to retain current customers while winning new customers. Michael advised me to meet him at his office for an introduction and to learn exactly what my plans and expectations were. After 20 minutes into our conversation, he was able to pre approve me at a very reasonable rate! In addition to that, I walked out knowing 10 X more since he was able to carefully explain to me (in very simple terms) about the process. I also left his office with a carefully mapped out plan with numbers on how to successfully make this home buying experience work. I was very fortunate, and was able to find a home within a month about inquiring about loans. My wife and I worked very closely with Anne Anderson. She is so personable, and you could tell that she cares about her clients! Like Michael, she is very patient and seems very happy to educate her clients for any questions they may have. She was also extremely responsive, something that was very imperative to me. Again, I like to thank Michael and his team for the exceptional job.Our family of 6 (4 kids!) cannot be more thankful for their assistance! If yo're looking for the right group to work with for home loans, stop and call Turnkey! read more

A few years ago, I thought I would never work with another mortgage agent because of the extreme stress I felt during the initial purchase. When I began shopping for a refinance option, I contacted banks directly thinking that the closing costs would be lower. Generally, I think that is true in some cases, however, a good mortgage agent that can thrive in the current housing situation, and is backed by mortgage investors; can operate as a bank and offer the same options. My sister and husband recently worked with Mike to get a great rate on their jumbo, only had good things to say about him, so it couldn't hurt to talk to the guy. It's also a nice coincidence that he's conveniently located only about a mile from where I work, therefore I knew I wouldn't have to take that much time off to sign documents. First speaking to him, he gave me a breakdown of what to expect in the process, in terms of costs, steps needed approximate rates to be offered in a time when rates were low but on their rise again. After the phone conversation, he emailed in less than 30 minutes and gave me a no closing cost option, which I was already planning to ask him about anyway. From start to finish, my loan closed in little more than a month. Granted, refinances are generally lower stress than initial loans, but I went through this process at zero stress, because of the short phone calls I received to tell me what step of the process I'm currently in. I was much better informed, confident that I had a competent person working for my benefit, and I'm happy about my experience. read more

My husband and I are now first time homeowners! All thanks to the help of Mike and his team :) We actually reached out to Mike via text/e-mail about a year ago to get the process going. During that time, we had a lot going on with our finances due to a wedding, existing car payments, and residual loans so we concluded it wasn't the best time to move forward with a mortgage. Mike and his team never made us feel as if we wasted their time but instead gave us solutions to increase our affordability as well as a budgeting worksheet to help us get on track. 1.5 years and one wedding later, we went ahead and reached out to the team again to schedule our first in-person meeting. Prior to the meeting, Mike had requested all of our financial documents so he could do his homework ahead of time. On the day of our first meeting, he came prepared with our budget scenarios and gave us the low down on the entire mortgage process. He answered all the questions thoroughly and encouraged us to ask more. You could tell he truly wanted us to understand the entire process from start to finish. He never once pushed us to maximize our budget or suggest borrowing more than we could possibly afford or handle. The very next day, we came across a house we absolutely loved and his team quickly drafted a pre-approval letter within the hour. They were very clear on the documents that were required and always called to update us on where we were in the process and what to expect next. He also broke down all the fees so we knew where each dime of our money was going. People have this misconception of VA loans taking over 30 days to close but Mike actually helped us close in 21 days (as promised)! It has truly been a pleasure working with Mosaic Mortgage group & I would definitely recommend reaching out to them if you are ever unsure of your affordability or new to the home buying process. read more

Mike and his team were awesome. Mike is very personable and explained everything to us. They definitely look out for the best interest of their clients , especially to.us :) They were able to get us a lower rate prior to closing and that made a big difference on our monthly payments. Also, Mike and his office worked hand in hand with our realtor Brian Babcock which makes the process go smoothly. Mike and Brian are like brothers from a different mother :). Seriously, If you are looking for any type of mortgage, whether it be for a first time home buyer, as an investor or refinancing, Turnkey Mortgage Solutions has a solution for your needs. Don't just turn to any mortgage company - turn to Turnkey Mortgage and they'll get it right for you the first time ! Thank you guys for making it easy for us. Keep up the great work ! read more

It simply does not get ANY better than Mike Aning and the entire TurnKey Mortgage Solutions Team. From day one I was treated with the utmost prompt, professional and informational service possible. They continually made me feel like a million dollar loan client, when in reality it was probably one of their smaller loans. I learned so much each time I met with them. If you are in search for a GREAT Mortgage team that will Rock your World....look no further!!! read more

Mosaic Mortgage Group makes my dream come true. Michael and his team specially Faith Hail was really responsible and very professional and friendly for what they are doing. It was my first home loans and they approach and find the best program to match my request. I had best experience and costumer service that I could imagine. read more

Mike and his teams (Faith, Michael) at Mosaic Mortgage Group are very professional and help us finish the whole loan application process on time and without any issue. Our realtor agent recommended Mike to us when we were ready to place the offers on the house we were interested. Mike and Michael quickly help us go through the pre-approval process within one day. Once our offer was accepted, Mike gave me the detail explanation of the options (like loan recasting, bridge loan to cover the gap between buying the new home and selling the old home) I was not familiar before based on our financial condition, this could save us a lot in the future. Once the loan application process started, Faith went through our financial docs very quickly and gave us very detail instructions what were missing, and responded to our questions without any delay. For the final signing process, instead of going to the title company like we did before, we went to Mike's office and Mike answered all our questions in detail, this was much better than going to the title company because we could get the answers in detail for the loan. It only takes around 4 weeks from the offered accepted to loan funded, it can be even shorter for a few days if we want. The whole process is so smooth and we can feel that we can fully depend on Mike's team for this journey. Mike's team is highly recommended and definitely they will our 1st choice in the future! read more

Michael Aning and his team at TurnKey Mortgage helped with our original mortgage and both of our refi's. Financing our first home purchase could have been a stress filled and worrisome affair, but Michael did such a great job of explaining and walking us through the process that we were filled with tremendous reassurance and confidence. When a year later interest rates had dropped we immediately called Michael to see if refinancing was an option that made sense for us. After educating us to the process and our options we decided to refinance our mortgage. Again Michael and his team made the process simple and painless. A year later again and rates had dropped some more. We again called Michael and now we're saving even more money. We couldn't be any happier. I can hardly count the number of friends and coworkers whom financed their homes and new construction with Michael's help. Most of have turned to expertise more than once. I can't recommend Michael and TurnKey Mortgage Solutions enough. read more

We were referred over to TurnKey through our real estate agent at Keller Williams, who highly recommended we check them out. We also applied for a mortgage at a local credit union and at Chase Bank, but found TurnKey to be the best fit and most willing to work with us and our financial situation. We just closed escrow on September 13th and thanks to Michael and the staff at TurnKey and are moving into our 1st home in a few days from now. Mike and his team answered every question and concern we had, and we had a lot as first time home buyers, all very quickly (often within minutes) and in terms we could easily understand. It was reassuring knowing we could contact Mike, Brandy or any of his staff at anytime, for anything and he would have an answer for us. Mike also put together a lot of documents for us outlining what our estimated costs would be based on different homes we were looking at with various HOA dues and showed us what items would be tax deductible as well. We were even able to close early as well. It was a pleasure working with TurnKey and we look forward to working with you and your team again once we sell our condo and upgrade to a house. We will definitely be recommending your services to all of our friends, family and co-workers who are looking to buy a home or refinance their existing home. read more

Short story: Mike, Patricia, Anne and the whole team at Turnkey Mortgage Solutions are rock stars. You can not possibly go wrong by giving them a call. So call them now. Long story: I purchased a home in San Jose in April 2015 with the help of Mike Aning and The Aning Team at TurnKey Mortgage Solutions. Mike was referred to me my realtor, Leslie Lang who is another top-notch professional you most certainly also want in your team. Mike is knowlegeable, professional, and a down to earth person. You will get this impression immediately when you speak to him. On the first call, we went over the basics: purchase price vs income vs current rent. We also talked about credit and how that helps you get the best deal. After this call, I set up a time to meet with Mike and discuss more in detail. I was looking at a couple other mortgage providers and I let Mike know this. During our meeting, he kept the entire session purely educational. He didn't push to go with him or spend his time talking about his five star ratings on Yelp. It was information that I could use regardless of which provider I chose. Needless to say, I chose to proceed with Mike. We looked at different loan programs and chose one that saved me the most money over the long term. Since, I was very tight on finances, Mike OK'ed to do a longer escrow. That way, I had time to save more towards unexpected expenses after the purchase is complete. The longer escrow also meant more time for me to analyze the math. I am numbers person so breaking down the different loan programs to the dollar was fun for me. When I got stuck, Mike made time on a SUNDAY to go over things with me. We re-analyzed the two programs and ended up choosing the exact same program he had recommended initially! Throughout the process, Mike and Patricia were responsive. Patricia kept up the communication to ensure we had all the documentation lined up. After the purchase was complete, Anne was in touch to make sure accounts were set up correctly. I was a first time home buyer and could not be more pleased with the way financing was organized from start to finish. They really do look at your complete financial picture. I would use Turnkey Mortgage Solutions instantly for future financing opportunities. read more

I fully endorse the Mosaic Mortgage group! As first-time home buyers, my wife and I were nervous about the process of qualifying for and buying a home. Michael spent time educating us over multiple meetings on exactly what we needed to know. He helped us to figure out what our price point was and what kind of home we could afford. He was able to quickly give us insight into different offerings while factoring in property taxes, HOAs PMI, and other add ons to a mortgage. We also got a sense of the tax benefits that we would gain. This education gave us both a sense of confidence in moving forward. After we settled on a property-Michael, Patrica, Michelle, and Faith all were super supportive and answered all of our questions. We never felt pressure to move forward with a loan with Mosaic despite all the support we had received. Partnering with them on the mortgage was an easy decision for us. While we bought a house in May, I still contact the Mosaic team for questions, on things like property tax and I receive prompt, accurate, and friendly responses. If you are considering someone for a mortgage, do yourself a favor and sit down with the Mosaic team. You won't be dissapointed. read more

I was referred to Mike by my real estate agent. I had just moved to California from Miami and was looking to buy a home and stop renting as soon as possible. Mike was just amazing. He was very professional, friendly and flexible with his schedule (which was very helpful for me). He did a good job of walking me through the process, providing advice and being available as we progressed on finding/purchasing a house. The California housing market is crazy and so I really wanted to make sure I worked with a very competent, ethical professional who knows the local market and is great to work with. Mike is all of that. read more

I made the best choice with Turnkey. I was looking to purchase a home at the height of the real estate season when rates were constantly fluctuating. Mike was available to take my call or return my email at any time of day, any day of the week. He drafted a special letter for me at every offer submitted. He is thorough, knowledgeable and explains every detail. His assistant Anne is wonderful and will put you at ease during the chaos and stress of home buying. My realtor was impressed that Mike came through with the promised 21 day close! I guess not a lot of lenders actually make the deadline. Thank you Mike, Anne and Brandy. read more

Mike and his team are rock stars. We had a less than straightforward home purchase. The inexperience of the first lender caused us to not get a mortgage. Mike picked up the pieces and closed in 18 calendar days. Here are a few more details of our experience. Mike impressed us by his professionalism and adding value at the preapproval process compared to the 5 other lenders and brokers with whom we talked. We liked that he gave us a good idea of what our rate would be after we gave our financial information to him but before he pulled our credit reports. He also had a strategy of trying to get lower interest rate for us as he was watching interest rate trends. The only reason we initially went with someone else initially is because the first lender had already approved us for another house purchase that fell through due to physical contingencies. Mike would be our backup for this transaction. Mike and his team really came through for us. The first lender knew the deal was unusual and had plenty of time to research whether her bank would ultimately fund the mortgage. They didn't. We lost the mortgage and a 1.5 weeks of close. Fortunately we were pre-approved with Mike and he already knew details of the transaction. His rate was a sliver higher than our first lender but lower than the other lenders interviewed. Mike and his team returned our calls promptly, kept us informed every step, and didn't overpromise to simply get our business or tell us what we wanted to hear. We are very pleased with our experience and highly recommend Mike Aning. read more

My mortgage with Turnkey just closed last week and I couldn't be happier with the service I received from Mike & Brandy and their team. I attempted a refi with them last year and some problems put it on ice. Surprisingly Mike was willing to invest further time this year and...success. Not just a little success but a huge one for me. My real estate agent friend uses Mike's services a lot and highly recommended him. I was a little nervous that because I was such a "little fish" he might not take care of my mortgage with much enthusiasm but my concerns were unfounded. Mike's a busy guy but he and Brandy were great at following up with me all along the way. You can really tell his dedication to customer service. When something took longer than expected he extended my interest rate lock even though rates had gone up. That's great customer service. Anyone can look good when things go as planned. He made it right when they didn't. read more

Michael and his whole team at Mosaic Mortgage Group are fantastic. They really know how to make things happen, even in difficult lending situations. I've had multiple mortgages and refinances over the last 18 years, and they are by far the best I've worked with. I highly recommend them. read more

In just over a month (35 calendar days, including weekends & a holiday) we purchased our first home with the help of Matt & Mike at TurnKey Mortgage. Given the tightened lending standards of today, I'm impressed. We were recommended to call Mike. With in a few days we had a pre-approval letter, an offer on a home we love and were in escrow. Matt & Mike both were fantastic through out the entire process. They're knowledgeable & courteous. They kept me informed and were quick to notify me if they needed any documentation. I look forward to working with TurnKey Mortgage in the future and would recommend them to anyone looking to purchase a home. read more

Mike and his team recently handled the mortgage side of my relocation. He was great at helping us think through options we had never considered in deciding how to best structure our loan, including tax consequences. Once we decided how to proceed, Kelly made the rest of the process very easy. I arranged the signing of the closing documents at a title company office close to my office and was pleasantly surprised to see that Mike drove across town to make sure everything was done correctly. Highly recommended! read more

Mike and his team helped me buy my house some years ago. He had great information on what I could afford - I realized I could afford more than I initially thought given his calculations. He made sure I would be able to make the payments and that I could live within my means. When it was time to refinance, I turned to Mike. The customer service his office offers is second to none. I've referred friends to him and they've also given him glowing reviews. He's knowledgeable, responsive and caring. read more

Michael and his team have helped us three times with our loans. Each time they have been super professional, easy to reach, responsive with our (numerous) questions, and patient. I have recommend Michael to every single person who has asked me for a mortgage team, and I will continue to do so. They are truly a class act! read more

As a first time home buyer, Mike was great in helping my wife and I through the loan process. He helped us gain an understanding of what we could afford, ensured we got a competitive rate, and made the paper work as painless as possible. I would recommend Mike to anyone looking for a home loan in the Bay area. read more

We were first time buyers and needed to close in 10 business days and these guys made it happen! Mike and his team were referred to us by a friend. Initially, we were skeptical talking to brokers after having met a few that we just did not feel comfortable with. But Mike and his team made us feel comfortable from the get-go and got us the best rates compared to other brokers as well. We went through a short sale and Mike and his team were responsible,efficient,knowledgeable and so easy to work with. We will definitely recommend them to all our friends read more

I'm a first time home buyer who was buying a short sale condo. Mike made this long transaction as easy as possible. He gave me that personal level of service that my credit union wasn't able to provide. He was able to answer all of my questions and was always available by phone and email. Mike really saved the day when problems on the seller's side delayed the close of escrow. He was able to get an extension on the funding availability and fund quickly when the final approval from the seller's bank came in. Due to issues with the sellers, my short sale was very stressful and probably something I won't ever do again but without Mike in my corner I'm sure it would have been much worse. Thank you Mike. I'm so happy to be in my new home and it wouldn't have been possible without you. read more

Perfect. Thank Mike and Team. We love our house. You all made the process nearly pain-free.

Mike Aning and his team were excellent through the whole loan process. They made themselves available every step of the way and provided excellent customer service. They fought for the lowest rates possible which we ended up getting in the end. If you're a first time home buyer like us, it really helps to have a team with years of experience on your side. I highly recommend Mike Aning and his team. read more

My experience with Mike and the Mosaic team was rather brief as we were able to find a house and get the approval process started at virtually the same time. With everything happening so fast, Mike's team stepped up and discussed the loan process with us, asked for all the necessary documents, were quick to respond and communicated multiple times a day. It felt like they were available to us 24/7! Fortunately, in the end we were able to get the house and paperwork taken care of in a timely manner as we just got the keys last week! Without their diligent work efforts things may have turned out differently. Thanks Mike, Faith and the rest of the team for an unforgettable experience!!! Highly recommended with 5 stars! read more

We were so fortunate that our agent referred us to Mike Aning to help us with our very first home loan. Mike and his team , we worked a lot with Faith are very knowledgeable, accommodating and patient. They are always available to answer any of your questions, always keeping you informed about every single detail and super fast! We had the best possible experience and will definitely use their services in the future! read more

Working with Mike and Faith was a genuine pleasure and the entire experience was professional, informative and successful. They were a dream team in helping me realize my goals. They listened and kept me informed every step of the way, working with me and the lenders to develop a creative and effective solution that worked for everyone. They were exceedingly responsive and knowledgeable, as well as very clear on the best way to move forward. I would highly recommend them for any of your mortgage or home buying needs. You will not find a team more willing to help you achieve your objectives -- or more helpful in making things happen. read more

Mike and his team are excellent! They made the whole process of buying our first home seamless and worry free. Mike is very informative and takes time to explain the financial process behind buying a house. What was also great was his willingness to work around our schedule further making the process easier for us. He is very responsive to any questions you may have and we find him very reliable. We would definitely recommend Mike to our friends and family planning to buy a home as we are super impressed by him and his team. Thank you Mike! read more

Super honest and very knowledgeable. Michael took the time to meet with me time and time again to teach me the ropes of home loans. I went in as a first time home buyer not knowing ANYTHING about the process, and Michael patiently described it all to me. In the end, I decided to wait another year or so before buying and do not plan on taking out a home loan for a while. Michael was in full support of the decision and will be the first person I call when I get back in the market. He was a great teacher and a super nice guy. He and his team always made me feel comfortable, whether in the office, over the phone or via email. Thanks Michael! read more

Mike and his team (Anne, Patricia, etc) are amazing. We are first time home buyers, and TurnKey was there for us almost a year before the actual loan to make sure we'll have everything we need. I was dreading the lender portion of the home buying (don't remember last time when I had a good bank visit), but I was happy to find out that TurnKey is opposite of that - it's like we had good friends on our side during the whole process. Hours are flexible, Mike and group are very knowledgable, and willing to spend time to listen and advise, and while lending business is about numbers we've never felt like a number. There's lots of attention to detail and personal financial situation, which is really impressive. Those other 5-star TurnKey Yelp reviews that are gushing how awesome they are? 100% accurate. TurnKey should be benchmark for what 5-star experience is. read more

Michael Aning and his team are great! They helped me with getting my very first mortgage in 2008, after the crash, and I got great terms on a great loan for my first home. Recently I purchased a new home, and while he didn't manage that loan, he was still able to offer me some financial guidance. I would happily direct friends his way. Smart, knowledgeable, friendly, and can clearly explain complex financial terms to someone who has only a basic understanding of loans and mortgages :) read more