I highly recommend my broker Peruz Jelveh and just can't thank him enough!!! This purchase was my…read more4th transaction with Peruz as he has helped me sell, purchase and refinance my past homes. Peruz is always there every step of the way to guide you through the process, taking away the stresses of buying a home so that you and your family can enjoy the positive experience that it should be!! Peruz goes above and beyond the role of a normal broker, and always treated us like family and got us the best result possible!!! He was committed to us, always made himself available, extremely focused, and just a true Professional. I will definitely be coming back to Peruz for all of my future real estate endeavors. M. Clancy

As the listing agent for a home in Pleasanton, the buyer's mortgage broker was Peruz Jelveh…read more Throughout the transaction there were issues to be dealt with and at every step of the way, Peruz was there to handle the situation and solve the issue. I would highly recommend Peruz Jelveh as one broker you can depend on to help close your transaction and receive the best service in the area. Highly recommend.

If you want to have a terrible experience with your loan. This is the right place for you. If you…read morewant to lose the house of your dreams because these guys can't get their shit together, this is the right place for you. If you want to send confidential paperwork via email as if we are still in the 90s. This is the place for you. If you like working with a team of individuals that keep passing the buck and not holding themselves accountable, this is the place for you. Incompetence is the key driver. Be ready for them to let you know they are so busy and it's just how it is with now.

Debi is hands down the best loan officer in the Bay Area. An absolute sweetheart with so much…read moreknowledge and genuinely wants to help. I went through her for my first home purchase as well as Refinanced many times over the years. Simply the BEST at what she does.

From start to finish, working with Kristi and her team at Iron Oak Home Loans was an outstanding…read moreexperience. Right away, it was clear that Kristi brings a level of professionalism, care, and dedication that truly sets this team apart. She took the time to understand our goals, answered every question with clarity, and offered creative financing options that fit our unique situation. Communication was exceptional -- Kristi and her team kept us informed at every step of the process, and we always felt confident knowing exactly what to expect. Their solution-oriented approach made the entire transaction feel smooth and efficient, even when challenges came up. We never felt rushed or overlooked, and their responsiveness made a tangible difference in closing our loan with confidence. The expertise that Kristi brought to the table gave us peace of mind throughout the application and funding stages, and it was evident she genuinely cares about her clients' success. If you're looking for a lending team that combines integrity, responsiveness, and real know-how, we highly recommend Kristi at Iron Oak Home Loans. We couldn't be happier with our experience.

I have been investing with this group for over 15 years. They are at the top of their game. I knew…read morethe original partners and had lunch with them several times to ask hard questions and they were always prepared and welcomed all my inquiries. And now the new owner Christy is the new star. She too is open to any phone call any time with any questions. The group know their market, they do their homework, they invest for the best but have a strategy for the worst case scenario. I hope to invest with them as long as they are in business. I know a lot of firms who do this but I can say Iron Oaks is at the top.

Ronald Lwin has been my family's financial advisor for over 10 years. Over the course of the dot…read morecom boom/crash, and real estate bubble, he's has given us really sound advice. He treats us as valued clients and not as just another account number with no face. I do have to disclaim that I do know him on a personal level, but that's sort of expected when somebody has advised you and your family for such long period of time.

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.

Barb provided exceptional service and made the entire insurance process completely stress-free. I…read morehighly recommend Barb as a trusted agent.

Great experience with State Farm. Barb Ellul and her office are always helpful and take the time to…read moreanswer any insurance questions I have. Everything is handled promptly, and I truly enjoy receiving the calendars each year. Excellent customer service all around.

I have had State Farm for 60 years (5 houses, dozens of cars, jewelry vouchers, liability…read moreinsurance, etc). In the last few years, State Farm has gotten fickle and I thought about changing companies. The only thing that stopped me is that Marcy Gutierrez is the best State Farm agent I have had in the 60 years. Always there to help, suggest changes and work through any insurance issues. She is solid gold if you need a good insurance agent!

I signed up with Marci's State Farm office because she was the closest insurance provider to my…read moreshort-term housing in the 'burbs, years ago. I had just moved from Massachusetts, and was confused by the concept that insurance rates were not an absolute, legislated function of your driving record. I didn't know to shop around. But, although friends tell me that better rates might be available, I've stuck with this insurance provider, and Marci's crew has earned the money I've sent them since 2001. While back in Massachusetts on a personal trip, my rental car acquired a door dent, and intentional dirtying of the vehicle didn't fool the Enterprise rental return staff at Boston Logan. Paperwork was completed. Insurance info was exchanged. With no LDW, I expected money to change hands. But when I got home, I called Marci's office, spoke to a person who knew who I was, explained the situation, and was asked for the phone number of the rental car office and the serial number of the related paperwork. Then... nothing. Nothing for *me*, at least. The problem was solved with no further effort on my part. All I needed to do was file away the letter that appeared a month later confirming that the claim was satisfied. Yes, it really is as simple as making a phone call. That's service.

Janet and her team at Sierra Pacific Financial Advisors have been our trusted financial advisors…read morefor over 4 years now. We really appreciate having them in our corner.   Financial planning: our journey started with a few thorough and honest financial planning sessions with Glenn. He helped us put everything in perspective based on our financial goals and outlined a range of options forward for us.  Investments: Janet then turned our financial goals into investment advice. She's approachable, patient, and experienced. We definitely threw a few curve balls her way but she's able to handle everything while instilling trust in us and collaboration with us. She sets up regular meetings with us to review our investment status so we are always on the same page. When the market started to turn, she proactively reached out to review our options. Janet is also quick at answering our one-off questions over email.    Customer service: we felt appreciated by the Sierra Pacific team. During the pandemic, we were able to meet with Janet over Zoom, but when needed, we were also able to meet her in person to sign some papers with social distancing protocols in place. They also hosted a few virtual customer events to add some holiday cheer to our lives.  We are very happy that we found Janet and her team at Sierra Pacific Financial Advisors. We are going through a turbulent time right now and it is good to know that someone we trust is thinking about our financial well-being and strategizing to help us build our future.

We recently started working with SPFA on managing our investment portfolio after an initial…read morefinancial planning session. The team, lead by Janet, is professional and takes time to understand your needs and investment philosophy. The planning was thorough and included multiple scenarios, which were well thought through. Janet's team is prompt and thorough in its work and I'm expecting my portfolio to do well and thrive in the years to come under her stewardship.