Josefina had ZERO communication skills. after my initial call to get more information about about…read morethe buyers in regards to to an offer I received she dodged all my calls, emails and text messages. after extending escrow 4 times we were finally told they could not get the loan. The lack of communication was ridiculous and I would never recommend anyone to use this lender or company!

Was referred to this company (specifically Josefina Reynoso) by my older sister. I was in the…read moremarket of purchasing my very first home and I had such a horrible experience with my lender that buying my first home will always be a time where I was so dissatisfied with using this group. Josefina was fairly communicative in the beginning and was able to find me a lender (only one apparently), which I was happy about. I found a home and was excited to purchase it and was going through the roller coaster of escrow and closing. There are so many times where we (my agent and myself) were told that we would be closing this day or that day or surly this week. Closing took a lot longer than it needed to be and the communication between Josefina and myself became so bad. I was hoping my experience with buying my first home would be pleasant but man was I wrong about this one. You go through the emotions of excitement, anxiety, etc. For example, if you tell me you plan to have everything ready for close for a friday and call me to see if I had wire the money on thursday (which I did immediately, since we were in closing) but end up closing the following week on a Wednesday shows that you were just trying to make sure yall got paid. I get it, its business but in all businesses, customer service and satisfaction should be a priority. I will likely never use this lender again. Youd think they would ever do a follow up after they helped you buy your home? Nah no way and to be honest I would rather not hear from them again. 2 stars because in the end I did buy a home (right thats what matters at the end of the day). Have I would of known this was going to happen like this, I would of definitely waited and found another lender.

Maureen is incredibly knowledgeable and took us through the process beautifully. We had thought the…read moreprocess would be difficult and time consuming , and it wasn't. We were thrilled that she made everything so simple for us. Maureen is trustworthy and responsive, and we highly recommend her!

My husband and I went through the reverse mortgage process with Maureen recently. I took a SRJC…read moreclass that she taught in the spring and was impressed with her ability to explain complex financial procedures and her knowledge of the topic. She coached us through all the things we had to do. Everything went smoothly and was actually a very pleasant experience. I would recommend her to anyone who is interested in a reverse mortgage.

Pete Kerston just sold my niece's rental house. It was in disrepair and had decades of…read more"improvements" that made it more difficult to sell. From the beginning, Pete was confident, positive and motivated! He promised that he would have multiple offers for us to consider and he was as good as his word. Pete was nothing short of a miracle worker! Not only did we have many offers and back-up offers, he was able to secure an all-cash deal with a ten-day escrow, making this process as painless as it could possibly be. I have no hesitation giving Pete my highest possible recommendation and plan to use him for all my future real estate transactions.

Pete Kerston was our Lender. We could not have secured a loan and purchased our home without Pete…read moreKerston. He never gave up on us. We had bad credit. We did not have a huge amount for a down payment. We were on a very limited time frame. The loan we needed was a non conventional loan. We had so many road blocks, but Pete never gave up. He worked for us day and night and kept us in the loop. He guided us on how to repair our credit rapidly. This seemed like an impossible dream and yet Pete made it happen even when we wanted to throw in the towel. If you need someone to make it happen for you, then Pete is the guy. Honestly, this was probably the hardest loan to secure and he did it. Thank goodness! Julie

Mel, April, Heather, and Dustin -…read more I cannot thank you enough for all of your hard work. You pushed it across with ease and kept me stress free. It paid off and you made my dreams come true - until the next dream down the road, in which case - I'll be back. :) You are all a dynamic force to be reckoned with!

What do you call a lender who offers you the quickest response time, the best rate, and exceptional…read moreservice? Call her whatever you want, she is a miracle to us. Mel provided a 5.6% mortgage rate when our persistent lender kept raising his rate until it reached 7.25%. We had to pivot quick and had less than a week to change to an experienced broker who can pull this through in such a short notice. Mel and her team promised and overdelivered. They guided us every step of the way including thinking out of the box with our appraisal that wouldn't get released by our lender. What a relief! We even closed three days earlier!!! Mel surely is part of our pleasant home ownership story, make her a part of yours too. l

I needed to find a broker/lender that I trusted to move forward with my home buying process. I was…read morereferred to Bodhi and his team by my sister in law who has many clients that speak highly of Bodhi. By the time I spoke with Bodhi, I had already spoken with 3-4 different brokers and I was getting tired. Bodhi sparked a new excitement and confidence in my home buying process. He was detailed and specific on pinching numbers to allow me to feel comfortable with what I could afford (including cash flow). It was important to me not to be house broke and he was always honest with me. Being a first time home buyer is overwhelming in and of itself; having someone like Bodhi and his team who are patient and willing to educate and re-educate was such a relief. I felt like I had someone on my side; it wasn't just about the money. Every time I had a question or needed something, they were always available or would call me back immediately. The process of home buying was smooth and they instilled a lot of confidence and calm in this process for me. I wish I could give them more than 5 stars. I highly recommend Bodhi and his team. You won't regret it!

There are people who do their jobs. And then there are…read morepeople who change lives doing their jobs. To Empower Capital Group, Bodhi and Elsa--I don't even know where to begin. This wasn't easy. We spent months navigating what felt like an impossible road. Three appraisals. A denial from the first lender. Countless hoops to jump through. So many moments where it would've been easier to just walk away. But you never did. Bodhi and Elsa--you stood by me and my dad every single step of the way. You didn't just process a loan. You fought for us. You believed in the importance of keeping a roof over my dad's head, and you never gave up--even when things got hard. Even when you could have. And here's what meant so much to me, maybe more than anything: you told me the truth. In an industry where silence often replaces honesty, you didn't hide the bad news. You didn't leave me in the dark when we were up against a wall. You brought everything to the table--the good and the bad--and gave me the opportunity to overcome it. That kind of transparency is so rare these days, and it meant everything to me. You saw that this wasn't just about money. It was about dignity. Security. Love. It was about helping an elderly man stay in his home--his safe space, his sanctuary. And you made it happen. It brings me to tears to think about what you did for us--not because you had to, but because you wanted to. Because you saw the heart behind this, and you matched it with your own. This is what it looks like to work with good, ethical, human-centered people. This is who you want in your corner. To anyone looking for a mortgage company that goes above and beyond-- Empower Capital Group is it. Ask for Bodhi and Elsa. They don't just make loans happen. They make miracles happen. From the bottom of my heart--thank you. You didn't just help us with a reverse mortgage. You gave my dad his home. And I will never, ever forget that.

My husband and I had the pleasure of working with Elise on the refinance of two properties. I don't…read morehave much to say about the process, but so much about how wonderful Elise was! The whole process was quick and easy on our end, and we were invited to her beautiful home to do all the signing, where we were treated as family. Our two kids were entertained by the dogs, and. life-sized Santa was a witness! It is clear Elise is "in it" to help people. I recently reached out to Elise for advise on what type of financing product would fit a need that developed with out home. Elise very kindly responded with places other than her I could go to for a product that would best fit our needs. I appreciated the honesty and time she gave in that situation. In addition to your mortgage needs, Elise is also a talented gardener and shares a plant bulb or two as well as advice! You've made a friend in the community after working with Elise.

"If anyone can do it, Elise Groves can do it." That's what one of our friends told us when we were…read moreat a point of wanting to refinance our home several years ago. Wow, were they right. Interest rates had fallen and we wanted to lower our mortgage payment and take some money our for home improvements. Elise did the work and was able to get our refi done smoothly. When the interest rates went down even more a year or so later, we did so again. Robin and I heartily recommend working with Elise Groves for your mortgage needs. We intend to come back to her for any future mortgages!

Scott Sheldon was so personable. The whole office had great service and I got a great rate. I would…read moremost definitely use them again.

Scott and his team are the ONLY lender we will work with. We were so happy and impressed with the…read moreservice we got in 2020 for our first house, we had no one else we wanted to reach out to for my sister's house. I wish I could tell you just how much work they did for us, but it would be 20 pages long! Everyday I had contact with someone if not Scott by text, call, or email. There was never guessing where we were with the loan process. There was never a phone call or email from me, not answered by them. If I had a question or needed extra info, I got it. I didn't feel like I was a burden to them when I would reach out. Sometimes, you can tell when you have made one to many calls or you sent one to many emails, we never felt this from Scott, Desiree or any of his team members! You will not be disappointed with working with New American and Scott!

This review is long overdue. After selling my first home with Kimberly and James, I was in the…read moremarket for a new home. Since everything had gone so well with selling my home with Kimberly and James. I decided to have them help me find my new home as well. This was not an easy task because the market was incredibly tough. And I am a very picky person. Kimberly and James have true grit! They have unwavering values. Through it all they displayed loyalty, commitment and honesty. They were there for me every step of the way. Every question and every issue, from inspection and negotiation to lifting contingencies and getting the keys to my new home... they were there! I HIGHLY RECOMMEND THEM!!!

I cannot recommend Kimberly highly enough! As a long-distance buyer relocating from Boston to Santa…read moreRosa, I needed a realtor who could handle all the challenging homebuying logistics in California--and Kimberly exceeded every expectation. During my initial weekend visit, she quickly understood my preferences and helped me narrow down my search. When a promising property came on the market after I returned to Boston, she provided such a thorough video tour that I felt like I was walking through it myself. Her responsiveness, knowledge, and genuine care made what could have been a stressful process remarkably smooth. Kimberly truly went above and beyond at every turn. She coordinated inspections, arranged for deep cleaning before my move-in, signed for my new bed delivery and setup, and even agreed to receive my car delivery over the Christmas holidays. As a newcomer to California, I was overwhelmed with logistics, but she guided me through everything from acquiring insurance in a fire-risk area to understanding the nuances of Oakmont Village's different sub-HOA requirements. She connected me with reliable inspectors, contractors/handymen, and service providers, drawing on her extensive network and experience flipping homes with her husband. Whether answering questions herself or quickly connecting me with the right expert, her follow-through was impeccable. If you're buying a home--especially from out of state--Kimberly is the best!