Jared helped us close on our first home and hopefully first of many! He's extremely responsive and…read moreworked so well with our relator. Jared made sure to lock us in to the best rate possible (given the market conditions). Not only is he extremely knowledgeable about the markets/rates, he helped us close in 14 days! He made sure to get every single document and piece of information submitted as quickly as possible. I truly feel that Jared made this nerve wrecking process easier for us. Thank you for all your help, Jared!

Some of the reviews for this company specifically from Ben P. and Ern D. are absolutely spot on…read more Wish I would have seen them before talking to these people. These people will push you to get ARMs because they make more money at the backend with ARMs. Keep in mind they are selling your mortgages to the big banks and making huge $$$$$ off them. The only reason why big banks buy from them is because they are selling those loans at higher rates to you. Each broker is making a pretty good commission on ARMs. Ensure that you get plenty of quotes before even getting pre-approved with such mortgage brokers. Definitely recommend getting pre-approval from a well-known bank! This business is basically a honey trap for first time homebuyers or people who don't have enough information about the mortgage business or the housing market. Ask them for details and they will get pushy on you. Pressuring you to close and offering you quicker closing time are some of their tricks to close the transaction. You won't have enough time to delve into the details. Trust them at your own peril! They know and enhance your FOMO as they are constantly creating false impression of FOMO! Remember - You are not missing out on anything, if you miss out on one home that you like, you will find another one. But never fall into their FOMO trap. They have their relatives in the Real Estate business. Husband and wife teaming up as realtor and mortgage broker will take you for a ride that you will regret for life. Be careful and understand every single detail before you ever think of locking your ARM rate with them. They are going to brush aside your questions by saying that these are just standard papers that everyone signs. The hidden numbers are where they will get you! Notice that when you meet these people they will talk more about things that are irrelevant than answering your questions about the loan. This is one more ploy to get you distracted and earn your trust so that they can get you to do what they want you to do. Watch the 2015 movie 'The Big Short'. You will get an idea of how these people reassure you and instill a false confidence in you when you are buying a home. Remember they get their commissions immediately after the transaction closes, even the Title company is out of it. But then you are stuck with a mortgage that could really go south in the long run! Offering you to keep refinancing is also another gotcha as they keep getting commissions each time you refinance your ARM. Also, when they say refinance at no cost to you -- please take time to get a written estimate to understand what refinance at no cost really means. There are several gotchas. I had an awful experience dealing with Cal Coast and I am hoping that this review will help others make a better decision if and when they decide to deal with this company.

Nhan Cao is an incredible mortgage broker! He made the impossible happen and got my loan approved…read moreand closed while I was literally in the hospital about to give birth. We officially closed on our house the same day my baby was born. Talk about stress-free and reliable! Nhan was professional, responsive, and on top of every detail. I couldn't have asked for a better experience and highly recommend him to anyone looking for a smooth and trustworthy mortgage process. Will be referring him to everyone!

Nhan and his team are absolutely amazing to work with -- truly the best in the business! They are…read morehighly knowledgeable, experienced, and take the time to patiently answer all of my questions while walking me through every step of the process, from refinancing to cash-out to new loans. I've worked with Nhan on multiple transactions, and every time they deliver with record speed -- closing in as little as 18 days! If you want a smooth, stress-free loan process with a team you can trust, Nhan is the one to call.

5 stars all the way! I don't normally write reviews, but the awesome experience with Mike, Andrew,…read moreand the rest of the PRMI team inspired me to share this. I had a ton of questions going into my mortgage and they explained everything in plain English. The team made sure I actually understood what was going on throughout the lending process. Mike and his team are super responsive and thoughtful. They truly went above and beyond, and made it possible to even close a week ahead of schedule, which was great for me and the sellers. Truly impressive. I highly recommend Mike and his team and very much look forward to working with them for my other mortgage needs.

Mike was incredibly helpful and knowledgeable - would highly recommend him for your lending needs.read more

Top notch mortgage banker. I have known Sean for last 5 years across his 2 firms and taken 2 loans…read morewith him. Cant recommend him highly enough. Super transparent, never pushy, always delivers on his promise. He cant change the interest rates that Fed or his bank decides :) but for everything else "Better call, Sean"

Sean is very good at communicating on whats happening through out the loan process. He also went…read moreabove and beyond to get us a good deal.

I can't say better things about Roni and my experience with her. She has been assisting me since…read moreearlier this year when I was becoming antsy to purchase. With her guidance I was able to secure a loan without it being FHA (YAY FOR NO PMI) and a great interest rate. Roni was very knowledgeable throughout the whole process and guided me every step of the way. I know most say the home buying process is stressful but there was not one hiccup that came up throughout the entire escrow process. But I'm sure even if it did Roni would have helped me with anything and everything thrown at me prior to closing. Seriously, if you're looking for someone to work with to buy a home look no further! Thank you again Roni!

We have worked with Roni the past month to get approved for our home loan and she has been nothing…read morebut professional, attentive and knowledgeable to work with. Everything went through in a timely manner and we are very pleased with Roni's work. I highly recommend Roni for all of your lending needs.

Norma is the go to person for mortgages. We've worked with Norma for almost 7 years and closed 46…read moretransactions 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.

Norma is absolutely awesome. She listened to all of our concerns and addressed each one…read morethoughtfully. She knows her stuff and can explain situations to people very well. Mortgage lending can be painfully confusing with all of the programs, qualifications, and various factors involved, but Norma made everything easy to understand. The most important thing for us is that Norma was HONEST! She didn't mess around with pipe dream promises, but told us exactly where we stand. She is all about ethics and not putting buyers in a precarious position come closing time. I thank Norma for her time, patience, and willingness to work with me and I absolutely recommend her if you are looking for a spectacular lender.

Bernice "Casey" is the best there is! I was selling my first home and buying my second home and I…read morewas already working with a mortgage lender. However, their rates and closing costs were outrageous and I just knew I wasn't getting the best offer. My realtor referred me to Casey, and boy I wished I had met her sooner! She got me qualified in 2 days! And got me the best interest rate AND lowered my closing costs that I had extra funds left over. Casey walked me through step by step, she was always available to speak if I had any doubts or questions. She truly is the best in the business!

Was referred to Bernice by our realtor. As a first time home buyer, starting the home-buying…read moreprocess was overwhelming and intimidating! With all these stories of how stressful buying a home would be, I was honestly expecting the worst. To my surprise, it was actually a very smooth and straight forward process. Thanks to Bernice, who slowly walked us through the process, explained the things we did not understand, and provided guidance about everything. After our loan was approved, she even managed to get us a lower interest rate. It didn't even disrupt our timeline to close. To anyone searching for a mortgage broker, trust Bernice. She's surely experienced, transparent about everything related to the process, and will try to continuously work to get you the best outcome. Thank you, Bernice!

I've got nothing but rave reviews for Mike and his team. They have handled a mortgage and 3…read morerefinances for me and my family. In fact, my dad was in the middle of a very slow refinance and Mike was able to get him out of it - at a better rate - and still closed faster than the original. They are extremely communicative, organized, well priced, and they will go out of there way to ensure every question is answered. I recommend them to everyone I know and will use them again if the opportunity arises. This seems like a paid review but I promise it's not. Use them, you will not regret it.

Mike and his team have been tremendously helpful in getting my mortgage refinanced. They are…read moreresponsive, and fight for you for the entire process, no matter how many complications. Like an idiot I purchased a new car in the process of refinancing not thinking how it would affect my debt-to-income ratio. Despite throwing this wrench into the works, Mike's team kept everything moving and still closed the deal with even better financials than originally expected. Cannot recommend any higher.

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.

I think a 4 1/2 star review would have been more appropriate so I would rate OWN very good. We…read moreengaged Wilson and his team at OWN to sell our home in Millbrae. We interviewed three realtors and we selected Wilson because we agreed with his vision as to how to prepare our home for sale and his assessment of current market conditions. We were very pleased with the decision as we found out that Wilson has a strong team to support the preparation and sales process. A project plan was developed months in advance and for the most part all deadlines were achieved. Luis (contractor) and Priscilia (coordinator) prepared the house for sale on time and on budget. The staging firm did a great job in presenting our home. When necessary Wilson was alway available to answer our questions. The Open Houses took place as we planned months in advance and we were given an update at the end of each weekend. When offers came in Wilson and Cathy (Experttcs) helped us navigate through the negotiation process until we accepted a bid that met our target. We were then introduced to Michele (Director of Ops) and Aldolfo (escrow officer of WFG Title Co.) to guide us through the closing process. Their assistance made the paperwork burden as painless as possible. We were happy with the entire process and impressed with how the Own Team worked together to get the job done. We deducted a 1/2 star because the lateral sewer work mandated by the city was delayed for weeks because the plumber that OWN uses was not available. This caused a delay in closing. My recommendation to OWN is to expand the list of plumbers the company can use. Also, we were assigned an original coordinator with whom we did all the pre-planning. However, when execution time arrived we discovered she left the company. Thankfully Priscilia stepped in and everything worked out fine.

Working with Scott Hill was an outstanding experience from start to finish. He made the mortgage…read moreprocess feel smooth and stress-free by taking the time to explain every step, answering all of my questions, and keeping me informed throughout the entire process. His professionalism, responsiveness, and attention to detail gave me confidence every step of the way. Thanks to Scott and Lisa's expertise and dedication, closing on my new home was a seamless experience. I truly appreciate all of his hard work and would highly recommend Scott Hill to anyone looking for a knowledgeable, trustworthy, and reliable mortgage professional!

We are incredibly grateful to have worked with Scott and Lisa as first-time home buyers in San…read moreFrancisco! As a top mortgage broker, the Hill Mortgage team has an incredible depth of knowledge regarding the entire process and helped us with a personalized approach towards a loan that fit our specific needs. Additionally, Scott and Lisa stood out with 1) comprehensive 1:1 consultation with us as first-time home buyers, including an orientation on the process and fundamentals of purchasing a home and securing a mortgage; 2) proactive work ethic and always two steps ahead in every step in the process with frequent check-ins (personalized and highly informative video updates, coordination between agents and lender and title company, etc); 3) timely communication and availability with any important or basic questions; 4) incredible ability to close on a tight timeline, while we were on an overseas trip. We would love to work with the Hill Mortgage team again for any selling or buying needs; anyone working with the team would be incredibly lucky!!