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.

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.

My loan broker Kenneth Woo is the best loan broker you ever can ask;…read morehe is professional and knowledgeable. He can book book all difficulty loans and he is hand on with all details The services of him is 10 starts !!!

Ken Woo with West Coast Financial has helped us refinance our home 3 times, and each time he has…read morebeen extremely efficient, timely and courteous. We got an amazingly low rate through them as well. Overall we've been extremely happy with his services and would highly recommend him. I have referred him to several other people as well because I feel confident he will get things does as he says like he has with us. A great experience working with Ken!

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!

Very disappointed with service! My CD matures today and I am going on vacation tonight. Went to…read moreroll over a CD and they said I could not until the next day. I initially called and someone said I could and finish the paperwork when I got back from vacation but they just blew it off as some new employee who didn't know what they were talking about. I still don't understand why they couldn't close my CD and open a new one. Finally said fine give me my money and I'll go down the block to Patelco who actually has better CD rates.

I now understand the reasons fr all the negative reviews. I was here yesterday to deposit a check…read morefrom an account I closed at another institution into my checking account. The associate and the manager not only put a 5-day hold on a cashier's check but also pressured me to keep the money at their institution in order to bypass the hold. They asked inappropriate questions about what I was planning to do with the money and took 30 minutes to complete a simple deposit transaction. To call them highly unprofessional would be an understatement!

The company is unregulated, making mistakes in accounting, terrible customer service, bait and…read moreswitches, leading the customer to believe that Saxe will continue their process efficiently then bam makes a u-turn only for your loan to go to default then bk then they own your home right under your feet.

I've been a Saxe customer for 20+ years. Their personalized & professional service has provided me…read morethe opportunity to quickly & easily access funds to refinance & remodel properties. Saxe has been a reliable & straight forward alternative to traditional commercial lenders.

I want to share my experience with Jorge Gutierrez from USA National Title, not as a client, but as…read moresomeone who found themselves needing help and got lucky. I had a pile of documents about my property and, honestly, I had no clue what to do with them. I'd just turned eighteen, so everything felt new and pretty overwhelming. When I reached out to Jorge, I didn't expect much, but right away, he made me feel comfortable. He patiently explained everything, went over each document, and made sure it all made sense to me. What stood out wasn't just how clear he was, but how much he listened. Even though I wasn't officially his client, he treated me with real care and respect. You could tell he genuinely wanted to help, no matter who you were. We really need more people like Jorge these days. People who'll slow down, pay attention, and actually help you out. He made a big impact on me, and I hope I get the chance to pay that forward to someone else. Thanks, Jorge, for stepping up when I needed it. You made a tough situation easier, and I won't forget it.

Been working with Jorge and his team for almost 5 years and decided I need to call out another…read moreexperience of fantastic customer service. I am a seller and I had a client who had a very short time frame to get everything done before having to go bank to China. Jorge made himself available to me and helped with many of the details to help us get everything done on time and the client back home on time. Thanks to the whole team. They are awesome!!!

Cecilia Diaz was incredible to work with throughout our home-buying process with Patelco. My wife…read moreand I fell in love with a home and knew we needed to be competitive with our offer, and Cecilia helped make that happen. She got our pre-approval done quickly and even took the extra step of calling the listing agent to put in a good word for us. Throughout the entire process, she was responsive, polite, organized, and always available to answer our questions. She helped us navigate all the tricky to-do items and made what could have been a very stressful experience feel seamless. We closed on our home in just 21 days, and we feel great about our loan. We are thrilled to be first time homeowners and could not be happier with Cecilia and Patelco. I would 10/10 recommend her to anyone making their next offer on a home.

This is where I bank for many years now . The branch move from Westlake area to the gellert area in…read moreDaly City . It is more convenient now because of many parking spaces on the area where they move .service is always good to great .

I had a great experience working with Dwight on a commercial mortgage refinancing. Anyone familiar…read morewith the space knows how difficult and confusing commercial lending can be and it's nothing like a residential mortgage. I thought I had a good handle on it after securing an SBA loan years ago, but pursuing a private refinance was an entirely new ball game. To make matters more challenging, our situation was complex and far from straightforward. I was incredibly fortunate to find Dwight through a referral. He was patient throughout the entire process and took the time to guide us every step of the way, ultimately finding a loan program that met our criteria. I truly appreciated his persistence, follow-through, and high level of professionalism. I would use his services again without hesitation. His service is worth every penny!

This is my second commercial real estate loan Dwight Daguman and Pacific Bay Financial have done…read morefor me in the past 9 months. Thank you, Dwight and to the company for a job well done! Dwight had warned me that the SBA loan process will be extremely documentation heavy. But he also smoothed the bumpy road for me to accept the scrutiny that lenders undergo when evaluating business entities. During this period, Dwight made recommendations and patiently explained the complexity of the process - and I felt at ease to continue with the process all the way to a successful end. His oversight produced financial gains, both short-term and in terms of long-range asset accumulation planning, for which my family and I will be forever grateful. Kenneth

Derek Yeung and the Mortgage Connection team are the absolute best. They have helped me get the…read morebest rates when buying my first home and refinancing. They are always super helpful and great to work with, providing all possible options and answering any questions I have.

Derek called me back within an hour after I left him a message. He asked me what I am looking for…read morein refi and few simple questions. I felt very comfortable with him on the phone. Prior to speaking to him, I spoke to couple of mortgage brokers. One of the broker I spoke to have good reviews and based in Foster City. He was making big deal and telling me how difficult to understand my current mortgage loan. Asking me to send him closing disclosures and all sort of documents. I provided everything he asked for and he ghosted me. Another broker company, well known in social media, tried to charge me over $23K for their service! Derek send me loan estimates within 24 hours and let me know which loan is best for my situation. He also explained his fees will be paid by the lender, not me! He is honest, organized and efficient. You can't find business like that now a days. I will be going back to him again and again. Thanks Derek!

Phenomenal is the first word that comes to mind when thinking of this staff. I haven't been to the…read moreOcean avenue location in 3 years and my experience was just as pleasant as I remember before. Big Shout out to Bao who I recognized immediately just by hearing his voice. His humor and positive attitude is infectious. It is essential to feel supported and most importantly, valued by your financial institution. I appreciate them for always providing a welcoming experience. Ian

Higher Savings Rate & Low Loan Interest Rate! Great branches…read morewith warm welcome. Thank you