I've been working with Dan (and his daughter) at Emerson Financial for five years, and they've been…read moreincredibly helpful. Dan advised me through the home-buying search then through the two-year wait to refinance. Dan consistently tracked market ups and downs, offering great advice on managing my loan and navigating the volatile market without losing my mind. He's not only friendly and incredibly smart, but he also provides just the right amount of detail without overwhelming me with financial jargon. His organized approach makes everything easy to understand, and I'm definitely looking forward to continuing our work together and recommending him to all of my friends.

Just got off the phone with Dan. Told him my situation, low credit score, let him know I had a…read moreoffer from a motgage company. He stayed on the phone with me for 10 minutes giving me financial advice and letting me know the loan quote I got from the other company was a good one. Thats honesty. Nothing to gain, but had no problem taking time out to give good financial advice. I will definitly refer Emerson Financial to my friends and family. Thank you Dan!

From the sales rep to the whole team (fit & finishes, customer experience, stager, and sales…read moreanalysis), OWN is a great company to work with. Although I had started the remodeling before signing with OWN to be the sale representatives for the house, their expertise in knowing the market for my location set us up to get the best return. The expert staging that put the finishing touch that helped to attracted over 20 potential buyers during the open house. Everything was handle expertly and professionally. So buying or selling, OWN Real Estate is the company to go with.

Wesley Ko came highly recommended from a friend. He laid out a plan for us to sell my current…read moreapartment and purchase a new house in 6 months (all in Oakland) and he worked very hard to help accomplish that goal. Throughout the process he was patient, responsive and professional. For the sale, Wesley and his teammates were extremely efficient when it came to staging and holding open houses and we were able to sell my apartment after the first scheduled showings. The only really difficult thing I had to do was say goodbye to the apartment and move out. I am extremely picky and so when we began to tour houses, Wesley's patience and eye for details really helped narrow down potential properties that would be a good fit for me and we also struck out a lot of bad ones. Wesley's experience shines during touring. Just to name a few things he has a keen sense of smell for moisture/mold, can feel for the slightest unevenness in floors and can tell good from bad repair work just from a quick glance and feel, he has really seen it all. This is where a whole lot of Wesley's value comes from, he's not just another paper pusher...he actually enjoys looking at houses with clients and he is great at pointing out things that a normal person wouldn't see. Eventually a few months later we were able to close on a new house that was exactly what I was looking for. It was a pleasure to work with Wesley and he was so helpful throughout the entire process. As I said before he is thoughtful, smart, engaged and it's clear he loves what he does and I now recommend him to everyone I know who is looking to buy in the bay area.

Jay was excellent in helping us with a no cost refinance at the best rate possible!…read more He was proactive in reaching out to inform me of any favorable rate changes and was even able to help me float down the rate AFTER rate lock when I noticed there was a sudden big rate drop before we closed on the refinance. He was on top of things and communicative thought out the entire loan process. I would highly recommend him to any family or friends and would definitely goto him again for any mortgage loan needs!

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Some people may call him Carlos De La Fuente, but to me he put Pinnacle Mortgage on the map and…read morewill always be the G.O.A.T (Greatest of all times). He came recommended to me by a family member years before I was ready to buy a home, and out of his kindness and heart to give everyone a chance to purchase, he guided me toward what proved to be one of the most difficult but at the same time the most rewarding experiences of my life. Using his recommendations, I worked hard to do my best to get ready for the purchase and when it was time, Carlos went immediately into action and advocated for me at every turn. Though we had to go through the paces, he was kind enough to check on me daily and encourage me to keep going, and to let me know that it would be okay, and we would make it through and be victorious. I honestly believe that if it wasn't for Carlos, I would be looking at renting for many years to come, he helped me believe that I could do it and now I have. He is such a seasoned professional, he could tell me what could happen before it hit, so that I could prepare myself for the roller-coaster in this crazy market. We even had a very tight closing window working against us, but Carlos helped me hurdle over every obstacle. The only sad part in this whole experience is that I won't get to talk to Carlos every day. Carlos for me was more than a Senior Loan Consultant, he was like a brother to me, and I will be indebted to him for the rest of my life. If you are ready to purchase or thinking about making a purchase or a reverse mortgage, there is no one else to call, but Carlos De La Fuente, he truly is the Greatest of All Times!!!!

Pinnacle Mortgage exemplifies excellence. They show genuine care and concern while addressing my…read morefinancial needs. I had a great experience in addition to securing a good interest rate.

We have used Spinner Mortgage a few times and have been treated so wonderfully, and professionally…read more Ted and Jodi are such a team! Correspondence back and forth is quick. They respond immediately and always have an answer to our questions. Very experienced and knowledgeable. I would never go anywhere else. There are a lot of brokers out there but Ted and Jodi will never disappoint. They will get you the best rate in town! Laura C

Rosemary was one of two lenders recommended to us. After doing an initial screening of both…read morerecommended lenders, we knew right away that Rosemary was someone we wanted to work with. From the start, Rosemary was very responsive and provided us with a wealth of information. She knew her stuff and it was apparent. All our questions were answered directly and she never pushed us to make one decision over another. She gave us the facts and then gave us time to absorb the information while always being accessible for questions. Rosemary helped us through multiple offers and ultimately helped us find a loan option that worked best for us. We signed closing documents for our first home the same day we brought our newborn home from the hospital. We couldn't have done it without the support of Rosemary on our team. I highly recommend working with her for your mortgage needs!

We had an excellent experience working with Asad for our mortgage. From start to finish he was…read moreknowledgeable, responsive, and made the entire loan process very smooth. One thing that truly stood out was his support when our home appraisal came in below the contract price. Asad prepared a very strong reconsideration of value package with detailed comps and context about the competitive offer situation. Thanks to his effort, the reconsideration was accepted, which made a big difference in our financing. Throughout the process he was proactive, transparent, and always available to answer our questions. We really appreciated his guidance and would highly recommend him to anyone looking for a reliable mortgage lender.

Asad was absolutely amazing throughout the entire home buying process! As a first-time home buyer,…read moreI had a lot of questions, and he was always incredibly responsive, patient, and friendly no matter the time of day. He took the time to clearly explain every step and made the whole experience feel so much less stressful. I truly felt supported from start to finish and couldn't have asked for a better mortgage lender. Highly recommend Asad to anyone going through the home buying process!

Mike was exceptional to work with! I was in the process of finding a lender and was referred to him…read moreby my real estate agent. I had been in communication with separate lenders through big banks, but due to the pandemic, their guidelines made it almost impossible to find a reasonable loan. I was almost ready to give up on the home mortgage loan application process, but Mike made this process go by with ease! Mike was efficient and extremely quick to respond to all of my questions via email. He was very organized with his checklist of documents needed to start the application process. As soon as my documents were submitted, he was able to find a lender who offered me exactly what I was looking for. The entire process went by quickly, as he was able to close in record time: three weeks! As an added bonus, Mike even covered the lender fee! I was very lucky to have had such a great experience with Mike as my broker! If you're in the market for buying a home and need a broker, please do not hesitate to contact Mike at Ascend Mortgage!

Mike is the real deal. I have referred and used his services many times. The communication is key…read moreand quick responses. If you are seasoned and dealt with financial institutions and know the hassle, lack of communication, errors in your needs, and having you feel like a number file.....yup then Mike is for you. The process is a drag but when you have someone who is on top of their craft you don't need to worry to much you almost forget this is happening very smooth every time even though snags come up Mike has the answers and process down perfect. You will not be disappointed.

My husband and I worked with Eileen last year on our first single family home purchase. Knowing we…read morewere up against the toughest housing market in the country, we were thankful to have Eileen on our team. We started the process with her in May of 2016. Eileen's communication was clear and concise, making the complex process as smooth as possible. She was also accessible and responsive at all times and had everything prepared when presenting offers. An offer was accepted in November of 2016 on a beautiful home we never thought we would own in the Bay Area. She quickly guided us through the closing process and the endless paperwork. Although stressful, it was seamless and quick under Eileen. Most impressive of all, she was able to secure our loan in under thirty days due to a demanding seller. I absolutely recommend Eileen as she goes above and beyond for you. She will be there at every step of the home buying process and was even present at our escrow signing! I would definitely work with her again.

I am BACK to continue to sing the praises of Eileen!! She is truly the best!! Eileen has been with…read moreme since Day 1 of my home buying, selling, and now looking to buy again and I could not feel any more comfortable or safe... This market has been so overwhelming and Eileen has really helped me to see exactly what I can manage---She is reliable and very responsive all the time--I sometimes feel like I just need to send her a note to calm my nerves. Eileen is an expert in her field and goes out of her way for her clients. I recommend her to everyone I know!

Just had the most wonderful thorough professional experience refinancing my two cars with Terry…read moreZhang in lending services at Monterra Credit Union. The entire transaction was done seamlessly made possible working with Terry. He knew details immediately, presented solutions, and finished the process quickly and confidently helping me save thousand on car payments. If you don't like hassles and want the best customer service, best price, professional attention to detail, and do not want to waste time then use Terry Zhang at Monterra Credit Union. They have the best rates and are very easy to work with.

I had the most amazing experience with Terry Zhang! He was professional and really made me feel…read moreheard and made the entire process seamlessly. Terry was responsive and even helped me understand other options that would help my financial stability. If you a professional banker that is really on your side, call Terry Zhang!

This review is for Ken Hui. He has been our loan officer for the purchase of our 2 homes within the…read morepast 4 years. Ken went above and beyond to help us find the best solutions and interest rates for our complicated situation with the most recent purchase. He would lay out in details our loan situation and the alternative scenarios for us to consider. Ken helped us close our most recent home within 15 days flawlessly. If you are in a market for a trusted and dedicated loan officer, look no further than Ken Hui. He will ensure your are taken care of from beginning to end.

The review is for loan officer Lee Zhang. It was our first time buying a home, and we didn't have…read moremany connections in the Bay Area. When we were shopping around, he initially quoted us a lower interest rate compared to other loan officers, which led us to choose him for our loan application. However, by the time we closed, we ended up paying more than 1% higher than what we were initially promised. Additionally, throughout the entire process, I felt that Lee Zhang was manipulative and used tactics that made me uncomfortable. I felt judged and bullied whenever I questioned his decisions or didn't follow his advice. What's more, He asked me to sign an additional agreement that included a penalty if I paid off the loan early, which raised a red flag. This practice isn't even legal. I didn't realize it at the time, and I regret signing it. If you're in the market for a loan, I would recommend speaking with multiple loan officers and comparing offers right up until the last moment. Don't make your decision based solely on trust at the beginning. Ultimately, it's about money, so do your own research and keep comparing until the very end. What's more, it's unusual to see so many reviews that are either 5-star or 1-star. It raises suspicion that someone may be posting fake 5-star reviews to attract customers.