I just finished buying a home with the awesome Gina Odom. From the very beginning she asked…read morepertinent questions to make sure she understood my needs. She was thorough and thoughtful throughout the entire process. She made great recommendations yet it was always driven to meet my needs. If you want a knowledgeable and seasoned professional...... Gina is that and more. She and her team were kind and generous every time we spoke or met. I highly recommend you give her a call.

From start to finish, Gina and everyone at GRO were fantastic! We needed a house that would be big…read moreenough to accommodate a family but stay strictly within our budget. With her patient guidance, Gina helped us navigate the housing market in Santa Cruz, and after a few *fun* offer adventures, we landed a fantastic house for our growing family. Even after the closing date, she and her team have been extremely helpful, connecting us to local contractors and providing guidance to us as new home owners. Thank you Gina!

Greg is great to work with--super professional, easy to communicate with, and really knows the…read morerental market. He put in a ton of effort to help me find the right tenant and always made sure I was in the loop. You can tell he cares about doing things the right way. I'd definitely recommend him to any landlord looking for reliable property management.

Great service! Greg Flowers was always on top of it whenever my roommate and I needed something…read more Very professional and friendly and will definitely be using Authentic Real Estate again

Disclaimer: I do not like giving 1 star reviews, but in this case, it is more than sour grapes, it…read morewas simply an awful experience. We just purchased our 9th home, and the experience with RPM was by far the most disappointing of all the loans we have received. We are very familiar with the loan process having been through it many times before, including as recent as 2012. To make a long story short, we wanted a 7/1ARM product, to which RPM agreed, sent the GFE, and marched forward.On the 17th day, the day contingincies needed to be lifted, RPM informed me, out of the blue, that they needed another 5 days to get the loan, which jeopardized our buying the house. (The house had backup offers). In the end we had to quickly switch products...to a 30 y fixed, the loan we absolutely did not want, at a full point higher, resulting in an additional $300 month payment. Unfortunately, I now am shopping for a new loan, with a new lender, only one month into my loan with RPM. My guess is the loan advisors all have different experience levels and ours was not familiar with the 7/1 product and miscalculated the timings. I will note the branch manager, Jennifer Walker, is attempting to resolve the issue but to date has not. I will update this review if a remedy is found. This loan was incredibly mishandled and we were caught in the middle, causing our family much stress in our move and relocation. I would not recommend RPM to any of my colleagues.

Jennifer Walker is my #1 referred lender. When I call with a client who needs to know if they…read morequalify for a loan she calls them as soon as possible. What I like about Jennifer for my clients is she goes over their total financial package. She wants to know not only will if the client can afford the home loan but can they afford to be a home owner. If they need help with improving their credit, if they need budgeting tips she is there as an overall financial resource. She is patient and kind and always very positive. She also has worked with my clients for years as they save, or pay down debt and improve credit. She is one of a kind and my first call!

My wife and I recently moved to Santa Cruz and started looking for a new home. We were referred to…read moreTom Powers & Joe Hutson by our realtor and have had an overwhelmingly positive experience. Having been through the mortgage process several times, Tom & Joe provided us with the best experience we've had yet. They are knowledgable, friendly, professional and accessible - During our process, they kept a close eye on the market trends to be able to get us the best deal/rate. They moved things along quickly and efficiently. They pitch themselves as working as a team and being interchangeable which is the absolute truth. At any point we could call either of them to get the answers we were looking for. We honestly couldn't have asked for a better pair to work with. Tom and Joe are outstanding.

Joe at Seabright Mortgage helped my husband and I with the financing of our vacation home. He…read morecouldn't have been more professional, friendly or nicer to work with. This is our third mortgage and I didn't know this part of the process could be so pleasurable. I'd recommend Joe or Tom to anyone. They are the team you want to work with! Alicia & William Mintun Aptos

Hepzibah and her team are awesome to work with. I had a very tricky situation being self employed…read moreand having a bankruptcy on my record doesn't make things any easier. She really came through with a loan for me and my family. She will bend over backwards to get you into your home. Buying a home is stressful, but Hepzibah helped relieve that stress and put my worries at ease.

I can't recommend Hepzibah enough for any mortgage needs you've got. She worked tirelessly to get…read moremy wife and I approved for a home loan that proved to be challenging. She kept us well informed through every step of the process and made it as easy and pain free as possible for us. In the end, due to Hepzibah's hard work, we were able to secure a great rate for our dream home. Big thanks to the entire Dahl Mortgage team!

Jim said the right things but did not follow through. My son got all his information in to Pacific…read more Inland as requested then after weeks of waiting for his refi found out that Jim had done nothing. Lots of excuses, "software glitch", he just abandoned him. Would never trust Jim Chubb with your finances. POOR service.

Jim, Christy, Amie and the rest of the team at Pacific Inland Home Mortgage just finished my 2nd…read morerefi in 2 years and they are awesome! Jim and crew go above and beyond to get stuff done that most lenders can't or won't do... Awesome job guys and I highly recommend them for anyone doing a refinance or purchase.

Excellent property management company. First off, Sadie always responds to emails in a timely…read morefashion. Second, she had an excellent crew available at the ready for any issues that arose at my rental, all repairs were completed within a day or two at the most, the work was professionally done, and Sadie and the workers were very respectful of both my schedule and my home. Lastly and most importantly, billing was easy, clear, and accurate. I felt like an appreciated and well cared for tenant. 5 stars!

We've been renting through them for almost five years now, and I must say that the team has been…read moreincredibly responsive to issues. This week, we lost hot water and they had a plumber out the day of to take a look at it. He got it back up and running, but after a couple of days we were seeing intermittent issues. Now we've got a new hot water heater and all is good in the world. Thanks Sadie, we really appreciate you and your team!

As first time home buyers, the sheer idea of buying a house can be overwhelming. From day 1, Matt…read moreand his team were patient, thorough more than willing to help answer (and re-answer) all our novice questions. We left Matt's office confident that if/when we bought a home, O2 would be our lender. Then we found a house... It was a brand new build in Hollister, CA. The builder makes it seem like going with their lender is the only logical, economical choice because of the "credit" they give you towards your closing costs. Needless to say, we drank the kool-aid and signed on the (many) dotted lines. Matt was understanding and even offered to be a second pair of eyes if anything about the contract was confusing. What a guy! Fast forward 6.5 months, we are about to close, and I reach out to Matt jusssttt to make sure we're actually getting a decent deal. THIS CALL SAVED US $100,000. As it turns out, O2's rates were better, their fees were lower and the "credit" we thought we were getting is immediately erased by a fee they charge, so it's a total wash. Matt and his team worked round the clock to make sure we were still able to close on time, which we did. They were prompt, considerate and meticulous. My only regret is not going back to Matt and his team sooner. Whether you are a first-timer like us, or a seasoned home buyer, we HIGHLY RECOMMEND Matt Falconer, Danny Schaezlein and the team at 02 Mortgage. We are life-long customers!

Matt helped make the most important (and what I thought would be the most complicated) purchase of…read moremy life easy and stress-free. Anything I was worried or confused about was resolved with efficiency and care. Thank you Matt : )

Stephen went above and beyond during mine and my boyfriend's first home purchase. He was super…read morecommunicative and even connected directly with my agent to ensure everything went smoothly. We recently had the opportunity to refinance and without hesitation, Stephen reached out directly to us as soon as he noticed rates were coming down. We did not need to chase him for it nor constantly inquire about it--he just felt like it was the right time and reached out! I'm very grateful for Stephen and his team and will definitely be referring him to our friends and family.

Based on his numerous good reviews, I messaged Stephen early last August about the possibility of…read moregetting a United Wholesale Mortgage (UWM) 15-year fixed home loan at 1.99%. This was a new program announced by press release, which I read about in a Yahoo! Finance article, through a link on Google News. Having worked previously in real estate and finance, I knew what the key points were to our situation, so I included those in the message to Stephen, asking whether he would be able to do the loan. Stephen responded abruptly by saying that he would have to talk with me by phone, to discuss "details." After I called him, he proceeded to try to browbeat me into accepting a different program at a higher interest rate. His approach was to use old-fashioned psychological pressure tactics, along the lines of: "Are you so naïve that you think you could actually get such a loan? That rate is just a teaser that you would never actually get." He was crude, demeaning and even insulting. I informed him, politely, that I had a background in real estate and finance, so I was not naïve about these things, offering him one last chance to do business with us, if he was so inclined. But he insisted that the loan would not be possible for us, so I thanked him and said goodbye. Shortly thereafter, I found a straightforward loan broker who in fact did the loan for us, on exactly the terms I had in mind: 1.99% 15-year fixed, with a reasonable fee. We closed in less than three weeks and none of the things that Stephen said were obstacles turned out to be an issue. I am pleased to report that my wife and I are now enjoying substantially lower monthly payments. BOTTOM LINE: If you want someone with an "old-school" approach to sales--involving psychological games, pressure tactics and absence of transparency (resulting in your not getting the best deal that you could)--Stephen Wong may be a good fit for you. Anyone interested in connecting with the straightforward broker we ultimately used is welcome to send me a private message, as I'm not allowed to include that information in my review.

I cannot recommend Dottie Jakobsen highly enough as a mortgage broker. Dottie helped me secure…read moreloans on the two occasions that I have bought homes in the Santa Cruz area. I purchased my most recent home with her help in 2016. Dottie is unwaveringly professional, promptly returns calls, graciously answers any and all questions and concerns, and is incredibly smart and skillful at navigating the loan process. In Dottie I had someone to lean on and trust, as I made my way though big financial decisions and transactions. How many people can say that they have had a highly positive and smooth home loan experience, not just once but twice? Dottie Jakobsen is absolutely the best.

Just go see Dottie! She CAN help you! She is truly the best at answering questions, calming…read morestressed out buyers, like myself, breaking down the mysterious and explaining the ins and outs of the loan process. She really does make it easy and FUN. Go see Dottie!