Norma was recommended to us by our fantastic agent James Dye and boy were we glad we took his suggestion! Norma promised us that our loan would close on time and it did! Norma had told us that we would close in 21 days but the sellers wanted 30 days so we had breathing room. However, I don't think we would have needed it! Even after our loan closed, I had some questions what with this being our first home and us not knowing absolutely anything about anything! Norma always replied very quickly (at most a couple hours) and cheerfully! She has never let us feel as if we're not being taken care of. Norma is a dedicated professional who will do her best to give you fantastic service! read more

Norma is amazing! She works hard for her clients, is very professional, helpful, patient, knowledgable, nice and all the other qualities you want. She helped make the stressful home buying process a little less stressful. She was always available to answer questions or explain the process or document details. I really felt like she had our best interest at heart. Norma was even there in person the day we closed. We will certainly work with Norma again. read more

My husband and I loved working with Norma. She assisted us every step of the way and was available at all hours. We both work late but Norma always answered our emails or phone calls no matter what time it was. This was our first home buying experience together and Norma assisted us and made the process very relaxing and stress-free. She also spoke with the seller's broker to put in a good word for us. My husband is self employed so this added a little wrinkle, but she was very helpful to make sure we had all the proper documentation for our loan to get approved. She got us a great rate and made the loan process very enjoyable! I would highly recommend Norma to anyone looking for a home loan. read more

We worked with Norma again to buy our second home. Again, Norma delivered everything on schedule as promised, and we were able to close 10 days ahead of schedule. She made sure we provided everything she needed, and worked weekends and late evenings to ensure that things moved. Would not hesitate to work with her again in the future and highly recommend her services. read more

Norma was so easy to work with. She told me what I needed to get the ball rolling and the next thing you know I was able to refinance. If I had a question, she would answer it right then, or if she didn't have the answer, she would get back to me within a day. I always felt she was looking out for my best interest. I would highly recommend her. Thank you, Norma read more

My wife and I purchased our first home almost three years ago with Norma's help. She drove through traffic to meet us in person at a local coffee shop where we sat down, had coffee and a nice conversation. Norma explained the whole loan process in detail at a level that we could understand. Being that this was our first home, we were very nervous, but Norma made things very easy for us, always available via phone or email, and held our hands throughout the entire process, answering any questions that we would have. After two years in our lovely home, Norma sent us an email asking how everything was going and to let us know that the rates have significantly decreased and it would be a good time to refinance. Taking her advice, we did, and couldn't be happier. Norma is very personable, patient, and genuinely cares. She has made the entire process a breeze and we would definitely recommend her to anyone purchasing a home or looking to refinance. read more

Norma worked with on our loan for our first home and I have to say she has set the bar so high I don't think we could ever use anyone else again. As new home buyers our questions and numerous and Norma would answer emails and calls after hours which made the home buying process incredibly easy. I was never in the dark about what was needed and next steps. Even our agent was singing her praises as we had a quick close. I couldn't recommend Norma or Opes more. I look forward to working with her down the road on our next house. read more

I had the pleasure of meeting Norma Perkins through an associate realtor. It is important to me when I refer anyone to my clients that I feel confident in their ability to perform. I would only refer someone who I would trust to handle my personal business. I feel that Norma is that person. She is thorough with her follow up and is willing to take the time to explain everything in detail. I was very pleased that she would take the time and contact the listing agent to validate my buyer's credentials. In this competitive housing environment, every little bit helps and I believe Norma helps tip the scales in our favor. And once the transaction was complete, Norma was there at Title to make sure my buyers understood all of their costs. Norma is highly competent and a wonderful mortgage professional. read more

Norma was the bomb.com. We had an excellent experience with her as a first time home buyer. She answered all of my (many many many) questions and consistently kept me in the loop. She was on point with all the documents that we need up front and our loan only had to go through processing once. Amazing. She was always available when I called and was super prompt with emails. I would definitely reach out to Norma for another purchase or refinance. read more

Norma is the go to person for mortgages. We've worked with Norma for almost 7 years and closed 46 transactions together. She works on all types of loans ranging from Jumbo Loans to FHA Loans, and can work through all sorts of quirks to deliver her loans on time, with all terms intact. She's especially resourceful, which is critical when dealing with special circumstances. We just closed escrow with Norma on a challenging transaction where she displayed her skill and knowledge. Our client had been working with Norma for almost half a year with little luck finding the right place because of limited resources for down payment and strict controls on HOA fees. When we finally found a good home for our client, Norma was very proactive in contacting the listing agent to reassure her about our client's qualification, and her ability to deliver the loan within the promised time period. Norma delivered on her words, and both our client and the Seller were very happy with the process and outcome. As another example, Norma's preparation for the new TRID rules on mortgages made the transition into the new practice very seamless. Whatever the issue, whether short timeline or challenging transaction conditions, Norma is the go-to mortgage person for us. read more

Norma Perkins has been extraordinary through the two loans we have worked with her on. Frankly we could not have imagined a simpler or friendlier process. She was supportive and knowledgeable through pre-approval, purchase negotiations, gathering information and closing quickly. From what I learned from friends and family on the challenges of securing a loan, this was night and day. She also found us the best rates for first time financing and refinancing. I have already recommended her to friends and family. read more

Norma is very dedicated, helpful and knowledgeable Financial agent. After doing the analysis on a dozen financial agents and bank we went to Norma and she was able to delivered what she promised. We were able to close our loan in 17-18 days and that gave us edge over other buyers with higher offers. She actually delivered more then what she promised. If you are looking for houses in competitive areas where multiple bidding is a norm I would go to Norma and discuss. read more

Norma is a real trooper in helping me to refinance my home. She, along with her co-worker, Lisa Ott, worked diligently to research and find the appropriate finance companies to restructure my loan and help with working with the difficulties of the City of San Jose utility loan. Norma always kept me up to date on her progress and helped answer the many questions I had with regard to the many forms needed. She was always there to expelling the process and available options, pros and cons and had the patience with me trying to me deadlines and scanning the forms back to the office. Norma exemplifies a true professional in trying to do what fits best for her clients. Safety and security methods were reassured in sending all those documents back to her office. I would truly recommend her services to those looking to finance their home. Norma is awesome! read more

We had the pleasure of working with Norma Perkins to refinance our home in Sept 2017. My husband and I both agree that because of Norma this was the most pleasant, stress free, lending transaction we've ever experienced. Her professionalism, extensive knowledge, reliability and stellar customer service made the entire process seamless and efficient! She kept us informed every step of the way. She communicated openly and honestly. We were always prepared for the next step and knew in advance what was expected of us. When it was time for our signing, we couldn't believe we were already done! Norma is phenomenal at what she does plus she's kind, personable and easy to get along with. I highly recommend her for all of your home financing needs. read more

What can we say about Norma other than she is fantastic? The entire loan process can be difficult, but Norma made it so simple. She answered all of my calls and emails quickly and she knew exactly what she was talking about. We went through a pre-approval process that was quick and painless. Norma was always willing to help provide a letter with our offers (there were a few) and followed up with us and the agents. When we finally had an offer accepted, Norma was quick to get everything together on a short schedule. We closed and had our loan funded in 17 days and that's including 2 holidays! She helped us understand exactly what we needed and we got through underwriting on the first submission. Norma has even helped us after closing. She is a wonderful person and amazing at her job. There's literally nothing else we could have asked for from her. read more

A few years ago, I purchased a house and used Norma's help. She knew what documents are needed and helped me getting those documents in order. I was able to close escrow in timely manner because of Norma. Even now I call or email if I have questions or need her help in credit check, etc. I would definitely recommend Norma for any mortgage needs. I would definitely use Norma's help next purchase. read more

I had the pleasure with working with Norma this year and she helped my family out with two real estate transactions. We bought a home for my mom and then we refinanced our current condo. Norma was always there when we had questions and walked us through the process from start to end. She and her staff were exceptional with explaining details and helping us meet deadlines. We were able to complete both transactions and I am very grateful for her help. I definitely recommend her for all your real estate and home loan needs. read more

Unfortunately, my experience has just been the opposite of what the other reviewers have written. Everyday, there was a new discovery. I found Opes to be very disorganized, asking for same information over and over again and sometimes misleading on the eligibility criteria. I wished it was less painful. Especially if you are a non-immigrant, I would advise to be careful in understanding and setting the expectations ahead of time. Had to switch mortgage brokers during the escrow period and it was very stressful read more

My fabulous agent, Fred Hempy recommended Norma as the best of the best for loan help. He was right! From the very beginning of the stressful home purchasing process Norma was calm and "held my hand" and answered all my questions with quick replies and never kept me waiting. Norma is such a good person and honestly cares about how you are doing through the whole process. When my loan was all done I promptly sent her in the direction of my son for a refinance for them and she helped them through their loan process. I have dealt with countless professionals in my lifetime and very few of them would I recommend so highly. read more

We were looking to buy a home and a friend referred me and my wife to Norma. We've had some struggles in the past with economy as many have. Norma and her team got us pre-approved then we started looking. Finally found a home and put an offer in. We figured not to get our hopes up because we are self employed and buying out of town, as we were sure something will come up. The experience of the 30 day escrow was so painless and fast. Norma always answered her phone or would call you back very quickly with always a warm and positive outlook. Again, just an amazing and painless experience! If your looking to buy you must give them a call! read more

Norma was wonderful to work with and I would recommend her to anyone needing assistance.

Norma's professionalism, dedication, diligence, and communication make her nothing but a pleasure to work with. As a first time home buyer I appreciated her patience explaining everything to my husband and I. Norma was always available to answer our questions, she responded quickly to our emails and calls. She worked very well with with our realtor and the seller agent. Our offer included a 25 day close and Norma delivered with a great rate! My husband and I couldn't have asked for a better mortgage broker and realtor team. I wouldn't hesitate to work with her again in the future. read more

In business, I treat my clients like gold, and I expect the same type of treatment for myself from the professionals that I hire. Norma met all of my expectations in providing me with a loan...she offered me a great product that fit my financial needs, continually followed through on her commitments, and was easy to get a hold of when I had questions about my loan. She was very thorough in explaining how my loan would work, and made me feel comfortable and confident with my refinance. I would definitely trust and call on Norma to do my loan for any refinance or even home purchase that I may need in the future! Thanks Norma for all of your help and putting me at ease during my refinance process! read more

Norma was wonderful. She guided us through the whole process. She helped us to stay on track and answered all our questions within an hr. She also went that extra mile to make sure our loan closed on time. An example would be she helped set up an appointment at 7 am in the morning and she herself also showed up to make sure we understood what we were signing!!! She really does go that extra mile. read more

We are so happy with Norma's performance in helping us buy our home we would recommend her to anyone. She is very knowledgeable and responded to all our inquiries immediately. We submitted our paperwork with a specific request to have it processed by our daughters birthday and she rushed it through and made it happen exactly as requested. We're impressed by her ability to explain every detail of the process without pressuring us one way or another, as well as the speed with which she worked. She worked on our loan as if it were her own, making calls and working around the clock. This process would have been impossible without her. We're so grateful to have found such a competent and kind person to work with! read more

Norma just helped us refinance our home. She went above and beyond her job to make sure everything went as smooth as possible. She worked tirelessly on our behalf and explained everything step by step. There are no surprises when working with Norma. She is very upfront and honest. She is professional, hardworking and dedicated. She responds very quickly to phone calls and emails. We are so thankful to work with her and the outcome was a blessing. read more

Working with Norma through the complex process of buying a home was the one of the best decisions we've made in a long time. She diligently guided us through the maze of getting our first VA loan by explaining each step of the process, assisting us in collecting the required documents, counseling us on improving our credit bureau rating, acquiring the lowest interest rate loan and last but not least always being available and responsive. Like other reviewers have said we felt we were her priority every step of the way through the process from loan app to escrow closing. I couldn't imagine the process of aquiring a home loan being any better or going any smoother than when Norma is your broker. I can't say enough good things about her and her staff! read more

We've worked with Norma for over 10 years now and highly recommend her. She recently helped us finance the purchase of another home in the Pleasanton area. Seller was not using an agent to sell, so the transaction was a bit more complicated than usual. Norma was able to help us navigate the process smoothly, including getting a rate lock extension at no cost! read more

Norma Perkins is amazing! The hunt for my first home was long in the making, and Norma was with me providing exceptional guidance, every step of the way. She continually checked-in with me (even when there were no specific prospects) with a genuine interest of how I was, and how the search was going. She quickly and efficiently addressed any questions or concerns I had. I truly felt as though she was an integral part of the "A-Team" I had working in my corner. I am a first-time home buyer, and Norma made this exciting, daunting, and sometimes overwhelming process, an extremely positive experience. Thank you, Norma! read more

Norma Perkins is such a professional, reliable, knowledgable, and dedicated person. I first started working with Norma in 2006 with my home loan in Pleasanton. I met Norma through a very trusted source, my realtor James Dye. I most recently worked with Norma on the purchase of my home in Brentwood last June. During what can be a very stressful time - borrowing large sums of money! Norma has a very calm demeanor; she explains everything in great detail; and does her absolute best in making sure the loan process goes smoothly and efficiently. And during a time where banks want every detail of every transaction, Norma was so very patient with me as I collected all the necessary documentation to ensure my loan was approved. She regularly goes above and beyond...most recently she was assisting me with a home equity line of credit - even though this is not a service provided by Opes Advisor. She is regularly a great resource on all matters related to the loan process. I will always use Norma on future transactions, and would 100% recommend her to any of my friends or family. read more

This review is for Norma Perkins and her team. I do not write many reviews, however I feel compelled to share my experience for those interested. My wife Lorena and me purchased our home, start to finish with Norma. We were recommended by friends and we have been wholly satisfied with Norma's professionalism, invaluable expertise, continuous open door with full and detailed answers and guidance. Norma helped navigate us every step of the way with her personal touch! We are very grateful to have been in such good hands with Norma and her team for our biggest transaction in our life. Norma has earned our trust and appreciation and will not hesitate recommending her to others. A big thank you Norma! A+ read more

Norma is outstanding. This is our second refinance through her - we specifically sought her out after the first excellent experience. She handles all details, large and small, personally, stays on the project at all times and is extremely responsive to phone and email. She prepares you thoroughly and most of all, gets the best deals and closes the loan quickly. She is very pleasant to deal with and is resourceful and can-do. I highly recommend her and if we ever need a mortgage again, we are going straight to her. read more

I cannot say enough good things about Norma Perkins!! I found her through her great yelp reviews, and they did not disappoint!! I was a first time home buyer and I was purchasing on my own, so it was a stressful, emotional, and sometimes scary process. But Norma was with me every step of the way. She was so organized and made sure that I had all my paperwork done as early as possible in order to make the process go as smoothly as possible. Having seen friends and family go through this process and hearing about some of their crazy experiences, I realize that I hit the jackpot by working with Norma. She was available at all hours and worked closely with my realtors to get offers and preapprovals out, sometimes under really tight deadlines. I know that she has a bunch of other clients, but she really made me feel like I was her top priority. She even came with me to my signing so that I wouldn't have to be alone and she could walk me through everything. I cannot thank her enough for everything she did. I would highly recommend her to anyone looking for a mortgage broker!!. read more