Just had the pleasure of working with Victor at this company Santa Cruz lending group, the guy name…read morewas Victor Romero. It was an awesome and informative meeting. I really enjoyed working with this guy very professional and very helpful. I suggest if you need information returning to property lending, you look him up this guy is great

My husband and I were first time home buyers so we really didn't know what to expect let alone do…read morein this process. Jessie was incredible to say the least! We closed in 16 days and every step of the way was seamless and easy. She made our lives so much easier in this process, I would never buy another house without her!

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 : )

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!

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!

This is my second time using Mike Bloch's services. First time was like 15 years ago. So many…read morepositive things to say. First, off, we had been looking for a new house for a few year, and he was always so patient with us and never got any pressure. He is down-to-earth, very honest, straight-forward, great communicator, and just a super great guy. He did such a great job marketing our house to be sold and advising me on how to fix it up to sell quickly and for the right price. What a great partner. Thanks Mike.

What did not go well? I interviewed several realtors prior to Mike. I was so impressed with his…read moreknowledge and calm attitude that it was a simple decision to have him handle the sale of our home. Yes we experienced challenges but Mike was more than willing to work with us to come up with solutions. It's a big decision to sell a home you have occupied for 29 years. We wanted a clean deal that was good for both the buyer and the seller and Mike delivered. He is one of the best if not the best in our area.

Monica Bowman is amazing! She is your go to person to start your homebuying process. Monica knows…read morethe loan process in and out, and she took the time to help me gather all of my paperwork and help analyze my finances. Monica truly has your best interest in mind.

Amazing lender. Has done 2 mortgages and a refi for us and always goes above and beyond the line of…read moreduty. Monica is an absolute expert in finding the right rate and gettin tough paperwork over the line to make sure you get what you need on time.

I have never met a more unprofessional property manager than Kane. He does not know bylaws,…read morecorporate code, civil code nor does he even know our CC&Rs. He has fraudulently doctored bids to send to a lawyer to appear as thoughthere's an emergency and now we've been assessed nearly $250k for decks that each unit owns. And he refuses to negotiate or even have our own president speak on our behalf. He refuses to negotiate with the remaining 3 of 7 units. I tried requesting an extension and was denied. So I'm going to be fined a $3k late because he and the Beach Hull Vista Board are all conducting fraudulent business behind our backs and refusing to conduct elections or even have discussions it's horribly shameful

Kane Silvergerg and his staff are amazing. I have been working with Kane for over 10 years and he…read moreis the best in his field. If you need any advice or help with mortgage he is your man. His staff is wonderful and is an obvious extention to his professional yet welcoming office.

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!

Just a follow up to my original review: as a response to Mr. Casagrande who apparently was not able…read moreto identify me as a customer. My sister and I initially met with him on 5/13/23 at her residence in Aptos, and started the loan process (RV# 4616183) at that time. We canceled the process on 6/12/23 after requesting and receiving a document that showed how both the fixed and the adjustable rate loans would perform over the term of the loans. We concluded that a reverse mortgage was way too "expensive" for us, and feel the information should have been provided much earlier in the process... perhaps along with the printouts comparing the loans or during the independent financial counseling session.

I saw Mr. Casagrande on television, advertising the reverse mortgage…read more I had been considering doing the reverse on my home so when I saw "The reverse Man Dan" I called right away. I was in his office in no time with all my paperwork. He was so warm and inviting and put me at ease as to how really simple the steps were. Well, within a short time I was signing papers and on my way. My life has changed so much! No financial worries now and I am "out of debt"!!!! Now I can really enjoy my family! Birthdays, Christmas, and spoiling them with outings or gifts is no longer a struggle. Mr. Casagrande Could not be a better representative for "Retirement Funding Solutions" Vicki M Monterey Peninsula