From initial inquiry to final close of escrow, Dave and his team were there to support us on the…read more15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team!

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I…read morewould have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez

If I had to describe Michele in 1 word: integrity. Michele consistently took my phone calls in my…read moremost stressful times of the home buying process. Both times she gave fantastic tips and was extremely helpful in my situation. Every conversation with Michele has been so refreshing in this constantly stressful process of finding a new home. Always honest and willing to work with me. The biggest reason she has high integrity is both times we spoke, she was able to confirm the quotes I had were strong and didn't try to pull anything on the other lenders just to make a commission, she truly cares about people and gave superb feedback on the process. There was no monetary incentive to help me, she was just a kind person who wanted to help. Thank you for being awesome!

This has been the third time we have worked with the Reen Team and each experience has been great…read more From helping us get our first place to helping us get our forever home. Highly recommend working with their team regardless if you're a first time buyer or an experienced one. They can help guide you make the whole process easy to follow.

My experience was excellent. I referred my clients for…read moremortgage to buy a house. He did above and beyond his scope of service with loan processor Debbie Angulo. Thank you again Bob and Debbie for your professionalism!!!.

I don't think anyone in the bay will be able to close a loan as quickly and as efficiently as Bob…read more He is prompt and responsive 24/7. If you guys are in doubt I will say Bob is the right man for the job. A huge shout out to Debbie as well for being responsive and helping us out.

We just closed and funded on our latest deal today, and I want to take a moment to recognize Esther…read moreand her team for an exceptional job. In this business, execution and timing are everything--Esther and Paul delivered on both at a very high level. From initial structuring through funding, the process was handled with precision. Communication was clear and efficient, expectations were managed properly, and any complexities were addressed proactively without slowing down the timeline. That level of control over a transaction is not easy to find. What stood out most was the ability to navigate the deal strategically while keeping everything moving forward. For anyone operating in real estate investment or development, having a lending partner you can rely on is critical. Esther and Paul has proven to be exactly that. Looking forward to doing more deals together.

Esther and her team are amazing! We got a terrific rate and closed on our home a few days ago…read moreafter 5 years on/off trying. Essentially we worked with Team Esther 3 times, because after failing to buy a home and taking a break, each time the financials would have to be reprocessed given our life changes. But we stayed with them and they stayed with us, always with an open door and a welcome back. I can say from time tested experience how consistently reliable, accessible, and knowledgeable they are! Would highly recommend.

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.

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!

Overall superb experience! Suraj is fantastic. Unbeatable rates, quick turnaround, clear…read morecommunication, responsive. Couldn't ask for more. I went with Wells at the very last minute and they were able to get it done on time, I think it was within 2 weeks, amazing! Will be my go to source for home mortgages from now on. At first, based on what I read from some disgruntled people on reddit about the Wells Fargo relationship discount, I was a bit worried. But it turned out to be completely fair and transparent without any tricks. There are a few conditions you have to meet (get the assets over to Wells on time) but Suraj's assistant Pam will remind you of the deadlines, and there is no "catch". I will recommend to all my friends for their mortgage needs. Thank you!

Suraj knows the details of the home finance process like an underwriter and helps with good…read moreguidance to create the originator application file with complete documentation so good at get go! We got to Suraj a little late in our offer process but he ensured that we were still able to close in time! Thank you, Suraj! We will always go to Suraj for our future mortgage needs.

My friend and Realtor Jen Beehler with Elevate Group, referred me to Rob McCarthy with 101 Loan to…read morehelp me with the purchase of new home. From the start to the finish, Rob and his team went above and beyond to help me with the process (making it as smooth as possible) and offered the best rates and lowest fees on the market. He and his staff were always available for any question, big or small, even on weekends. They were amazing to work with and my "go to lender" for anything financing in the future. If you're looking for a great mortgage broker or lender, look no farther than Rob McCarthy at 101 Loan. He's the best!

Rob and Renee did a great job helping us buy our home. I appreciated the time they took to explain…read moreall of our options on how to obtain financing. During the offer construction process, where minutes counted, we were able to get on the phone with Rob quickly to discuss strategy and make adjustments to make sure that the loan wouldn't break the bank, so to speak. When the offer was made, the team also lent their support to reach out to the seller and reassure them that we were in a solid position to meet our obligations. Going with Rob and Renee gives a level of extra service and responsiveness that can go a long way in a competitive market where time, relationships, and market knowledge count for everything. During the contract process, they executed everything smoothly and seamlessly, resulting in a drama-free transaction. Overall, we were very satisfied with their work.

As a resident of Sierra Crest, I first noticed Zaid Hanna's name back in 2024 when I saw his real…read moreestate marketing poster at my doorstep labeling him as the "your #1 Sierra crest Seller Agent." I snapped a quick photo of it, thinking I might consult him if I ever needed to sell. By the winter of 2025, I received another flyer from Zaid that read: "The market is frozen, but we didn't give up." Even though the market was rough at the time, that property sold shortly after. His words truly touched me. In the high-cost, wealthy Bay Area, a modest condo often doesn't get much attention; many agents wouldn't bother putting in the effort and would simply advise the seller to rent it out if it didn't sell quickly. Although I had never met Zaid, I saved his number in my phone right then because I was deeply impressed by his work ethic. In the spring of 2026, my mother unfortunately passed away, leaving behind a condo that needed to be sold. I was at a loss for who could help. The property's location wasn't ideal, and the market was slow, so I knew I needed a top-tier agent. While I initially considered finding a Chinese-speaking agent, for some reason, I decided against hiring a Chinese agent. That's when I thought of Zaid. One day afternoon, I gave him a call and described the condition of property. he scheduled our first meeting immediately. Zaid was very nice. Our first meeting went incredibly well. Zaid analyzed the market for me. It was April, and inventory was unusually high. He recommended a minor renovation, and I agreed because I knew it would change the look of the home. He was highly professional and honest with me, acknowledging that the market was tough, especially for condos. However, he emphasized that his goal was a quick sale upon listing so it wouldn't sit on the market. Zaid's true professionalism shines through his phenomenal team. From remodeling, cleaning to the official listing, every team member was diligent and responsible. The renovation took about two weeks--a bit long, but the results were stunning. The house officially hit the market around Memorial Day. Throughout the process, Zaid called me every Tuesday to give updates. Remarkably, after just 7 days on the market, we received an offer! This completely exceeded my expectations. Given the less-than-ideal location, I had mentally prepared myself for a long wait. Seven days was faster than I could have ever imagined. I had seen many condos on Zillow sitting on the market for over three months, forcing sellers to slash prices multiple times. I felt lucky. The subsequent escrow and contract process went smoothly without a single delay. All contingencies were removed exactly on schedule. Yesterday, on July 2nd, this modest little condo officially closed escrow. I am incredibly grateful. It is easy to sell a perfect house, but selling a property with an unfavorable location requires an agent with extensive knowledge, sharp skills, and precise valuation. I believe a challenging property is the true test of an agent's capability, and Zaid completely proved himself. He gives honest advice that both buyers and sellers should take seriously. I highly recommend Zaid and his team, and I look forward to working with them again in the future.

If you are looking to buy a home in South San Jose--specifically in Almaden Valley, Cambrian Park,…read moreor Los Gatos--Zaid Hanna is the agent you want in your corner. His deep-rooted knowledge of these specific communities is truly unparalleled. What sets Zaid apart is his incredible sensitivity to numbers. His property value estimations and bidding accuracy are spot on, ensuring we remained highly competitive without overpaying. He doesn't believe in a "one-size-fits-all" approach; instead, he crafts personalized tactical plans specifically tailored to his client's unique financial situation and goals. Most importantly, Zaid is a true professional who never pushes his clients. He was incredibly patient throughout the entire process and never pressured us into making a decision. He prioritized our family's best interests and comfort level above all else. For anyone seeking a strategic, data-driven agent who respects your pace and provides expert guidance, I cannot recommend Zaid Hanna highly enough!

I was finding a loan brokers and came in contact with Irene. out of all the mortgage brokers I've…read morecalled, she was the only one to answer. Irene asked me many questions to fully understand my situation and the next day followed up giving me an extremely detailed and thorough breakdown of everything we talked about. absolutely recommend 10/10 service

We had been working with a previous lender who was flaky and unreliable so when we found a house we…read morewanted to offer on our realtor gave us the name of 3 lenders, Irene being one of them. In a matter of days she was able to get us everything we needed to offer on the new house, and while we didn't make it, she was right there with us for our next offer. Speaking of that next offer--it turned into being in contract and now being home owners! Irene and our agent, Kristin Romig, worked together to put together a competitive, strategic offer. We didn't have the most money, but we did have a great offer that eventually led to us getting into contract. In just about 20 days with my bank account being compromised a few days before our close date, and Shelter in Place ordered the same week, she made it happen. Irene is extremely honest, transparent, and pro-active; she is on your side. I think if she can manage this in the middle of a Pandemic, then we're sold. If we ever decide to enter the Bay Area housing market game again, we will definitely work with Irene.

I've been a member since my teens (I'm now 40) and I've always had great experiences here. I've…read moreever had any issues.

There was only one teller and she was busy. Eric came over to me and asked if he could help me.He…read moreeven assisted me to the chair in his cubicle.i was using a walking stick for balance and he walked right next to me instead of in front of me. We concluded my transactions and had a friendly chat afterwards.i felt like a valued member!,