[[HIGHLIGHT]]Steve was an invaluable partner through two major financing transactions for our family.[[ENDHIGHLIGHT]] As a self-employed borrower with multiple properties, our situation was complex, but Steve provided expert guidance every step of the way and worked tirelessly to secure the right loan solution. What impressed me most was that he wasn't just focused on the immediate transaction--he helped us build a longer-term financing strategy that ultimately made our refinance this year smooth and successful. Steve is incredibly knowledgeable about the loan products and local market, responsive, and truly committed to his clients' success. I would recommend him without hesitation. read more

[[HIGHLIGHT]]I cannot say enough great things about Steve and the refinance experience he provided.[[ENDHIGHLIGHT]] [[HIGHLIGHT]]From start to finish, Steve was exceptionally knowledgeable, responsive, and genuinely committed to finding the best possible outcome for me.[[ENDHIGHLIGHT]] [[HIGHLIGHT]]He took the time to clearly explain every option, walked me through the numbers in a way that actually made sense, and ensured I felt confident at every step of the process.[[ENDHIGHLIGHT]] What really stood out was Steve's professionalism and attention to detail. He was proactive, organized, and always one step ahead--anticipating questions, resolving issues quickly, and keeping everything moving smoothly. The refinance closed efficiently and with excellent terms, far exceeding my expectations. If you're looking for a mortgage broker who is trustworthy, highly skilled, and truly advocates for his clients, I wholeheartedly recommend Steve. [[HIGHLIGHT]]This was a stress-free, positive experience, and I wouldn't hesitate to work with him again or refer him to friends and family.[[ENDHIGHLIGHT]] read more

I am a first-time homebuyer, and [[HIGHLIGHT]]I had a 10/10 experience with Steve. He is incredibly knowledgeable, patient, and wise beyond his years.[[ENDHIGHLIGHT]] He walked me through every step of the mortgage process and explained it clearly. [[HIGHLIGHT]]His communication was excellent and he was always available to answer questions.[[ENDHIGHLIGHT]] Thanks to his guidance, the entire transaction felt smooth and stress-free, and we closed on time. I HIGHLY recommend Steve to anyone looking for a trustworthy mortgage expert! read more

[[HIGHLIGHT]]Steve and his team were fantastic.[[ENDHIGHLIGHT]] He was thorough in explaining all the details of our loan process. [[HIGHLIGHT]]I think the best part of Steve's services was that he ALWAYS answered the phone![[ENDHIGHLIGHT]] He was available and made time to process large and small details! He worked hard and found so many benefits that we didn't even know were available to us! read more

My wife and I would like to thank Steve and his highly specialized team at PGS Home Loans for the selection, execution, and funding of our loan in 15 days! [[HIGHLIGHT]]The level of coordination, the communication, and the personal touch the Kaufman team lent to our home search was nothing short of remarkable![[ENDHIGHLIGHT]] [[HIGHLIGHT]]Steve was thorough and patient in walking us through the various stages of the funding process[[ENDHIGHLIGHT]]. [[HIGHLIGHT]]He took the time out of any day (including weekends!) to update the team on loan status and the "next steps" that follows as we progress through the document submittals, underwriting, disclosure signings, the escrow timing and processes, final signature, and funding![[ENDHIGHLIGHT]] Wow! Thank you Steve. you've made this home purchasing event a much "palatable" process! You run quite an efficient ship and the work ethic exuded by your team (Marissa, Cathy, Erik ) shows it. [[HIGHLIGHT]]We appreciate the evening "talks", the weekend "chats" and particularly, the fact that "you always pick up" regardless the time or day.[[ENDHIGHLIGHT]] Not many folks provide that level of service as you do these days. And for that, we've very appreciative of that effort. It's been a wonderful journey with you and PGS Team and we look forward in working with you again on our next purchase! read more

[[HIGHLIGHT]]Steve is the best! He and his team consistently worked on my loan and communicated with me the whole way through explaining the process and keeping me informed of every step along the way.[[ENDHIGHLIGHT]] [[HIGHLIGHT]]Any time I had questions he and his team immediately responded.[[ENDHIGHLIGHT]] [[HIGHLIGHT]]Going through escrow and obtaining a loan can be scary and stressful but Steve made me feel taken care of the entire time.[[ENDHIGHLIGHT]] I knew he had my back! He made the loan process, dare I say, painless! I would highly recommend him!! Thanks Steve for all of your hard work! read more

We were introduced to Steve through our long time realtor, Mark Thompson, so it came as no surprise to find out he is an ethical, dedicated and hard working man. We found ourselves in bit of a bind in securing this loan because we are considered a condo but have no HOA group to sign off on the loan, and despite already having a loan officer helping us - (a friend - we would not suggest trying it) - [[HIGHLIGHT]]Steve generously stepped in on his own time, spending time guiding us through some crazy pitfalls that we encountered along the way.[[ENDHIGHLIGHT]] [[HIGHLIGHT]]Despite the fact we already had someone helping us, he always took my calls, and was ready to jump in at a moments notice, knowing full well my husband and I were committed to our loan officer friend who needed the money, and barring anything too crazy we planned to stick it out with our friend.[[ENDHIGHLIGHT]] After much ado, we got through the loan process, thanks to Steve. Our promise to this amazing man was that we would come straight to him if and when we need a loan officer in the future, and we would send anyone we know to him to handle their loan if they want a professional and knowledgable man for the job. [[HIGHLIGHT]]We are so grateful for his help. He didn't ask for anything. Those promises to him were because he earned it.[[ENDHIGHLIGHT]] Thank you Steve. read more

Steve is very knowledgeable and helped my family in a pinch. My father passed away suddenly and needed to find a one story home for my mom near family. Found one quickly and in this type of market had to put together the loan in the shortest timeframe possible to win the bid, and Steve helped get it done. Plus the loan made good financial sense. I highly recommend Steve! - Fred Simon read more

My family has worked with Steve on several projects. We keep going back because he literally walks you through each step, ties up any loose ends and presents a beautiful package. We can't say enough positive things about what great person he is. read more

Steve was referred by a family friend. I am real estate agent. He returned my call quickly. He was extremely knowledgeable. He followed up with my client and is very professional. read more

Steve is very knowledgeable, solution oriented, and helpful when it comes to anything mortgage related. He has a handful of options to help facilitate transactions depending on different circumstances. I have personally worked with Steve, as well as referred him to friends/family who have all had nothing but great things to say about their experience working with him. He is always friendly, patient, and has his client's best interest in mind. I would highly recommend him if you are looking for an outstanding loan officer. read more

Our experience with PGS and Steve was fantastic. The whole team was extremely responsive and we felt like we really mattered. Steve was very knowledgeable and easy to talk to about any part of the process. The turnaround time on the whole process was much faster than we expected and it really helped us close on our home. Can't recommend them highly enough! read more

Steve is the best in the business. I have done three separate transactions with him and each time he exceeded expectations. The investor changed the terms at the last minute on the last loan and Steve could have very easily stuck me with that loss because he knew I wasn't going to start the whole process over again but he cut me a check from his fee to make up for it. Class act. read more

I highly recommend Steve Kaufman and his team. I used their services twice, first a few years ago when I purchased my home, and again just recently to refinance it and remove my mortgage insurance. Both times I had a great experience. They got me not only the best rates for the current market environment but made the whole process much easier for me. Steve and his team are very quick which was critical when I was purchasing the home. It felt they were available 24/7 and my loan was their number one priority. Steve is also very knowledgeable and personable in his interactions with his clients which makes it very comfortable to ask questions. As a first time home buyer I had a lot of questions and he was always very patient. If I'm buying another property in the future, I'll defiantly want to work with him again. read more

Can I give more than five stars for JMJ Financial and Steve Kaufman? Recently Steve financed the loans for two of my clients, both were first time home buyers and knew little of the home buying process and were quite confused and intimidated. One phone call later, Steve had them prepared with clear expectations and an outline of the process. Both purchases were executed to perfection and closed on time with zero stress. On both deals, he found the time to call the listing agent upon submitting an offer to introduce himself and assure them of the qualifications of our clients and trust me...that made all the difference in this sellers' market. Hard working man with great integrity and work ethic! Thanks a million, Steve! read more

I've had the pleasure of working with Steve many of times and highly recommend him. He is extremely professional, reliable, curteous and always gets back to me right away. His knowledge in the industry is A+ and he has a rolodex of people he's referred me to as well. I look forward to working with Steve for years and years to come. Thank you Steve, Tim Diamond read more

Steve is an amazing person to have your team when trying to buy a house. The process to prequalify with him was straightforward and timely. Steve is very good at communicating with his clients and sellers agents to ensure everyone has the information they need, before they need it. I believe his follow up and customer service was a tipping point for us to get our offer accepted and close on our first home. I would highly recommend him and will definitely use him again! read more

My wife and I couldn't offer a higher recommendation of Steve after working with him and his team to get us into a great home. We moved from out of state and they made it extremely easy despite the distance. A move like that is stressful but what I appreciate most is how accessible Steve has been, always available to answer one of our many questions by text, call or email. That's meant a lot to us because we didn't know the market in Southern California before this process. I would absolutely recommend him to anyone moving to the area. read more

Steve has worked with my family on buying a house, multiple refinances and has put us in a position of financial security that I cannot begin to thank him enough. We just recently refinanced and now have one of the lowest possible rates ever. He has worked hard to get us that rate and take care of us through the years. He answers calls and responds quickly, he is amazingly thorough and knowledgeable. He has also advised me at times NOT to move forward and I trust he is looking out for what is best for me and not just looking for business. I plan on using Steve for anything I need in the future and am a client for life. read more

Steve is the best! Steve was referred to us by a friend and was very responsive and supportive throughout the entire process. As first time home buyers, he educated us on rates, terms and walked us through each step. Steve and the entire JMJ team made us feel like they were on our side and were working for us to get the best deal and always worked to keep the ball rolling and close quickly. Exactly a year later he helped us refinance, this time it went even faster and Steve and his team were with us the entire way to make a complex process as smooth as possible. I highly recommend Steve and JMJ for your home buying needs. read more

Steve Kaufman and the folks over at JMJ Financial are some of the best in the mortgage business...!! As a referral partner, I've had the pleasure of working with his clients on multiple occasions and they have all been extremely satisfied with Steve's customer service, industry knowledge, and wide range of services he provides. If you are looking to work with a knowledgeable mortgage professional who values his clients best interests above all else, Steve Kaufman is the person to call. read more

I am a local Realtor who has used Steve Kaufman on a number of transactions and he never disappoints! He communicates very well and get things done QUICK! As a buyer, it's very important to give yourself a competitive edge and by using Steve, it puts yourself one step ahead of other potential buyer's vying for that same property! Highly recommend Steve Kaufman! read more

Steve and JMJ Financial are top-notch lenders in my professional opinion. I run a Real Estate Company out of 92109, and lean heavily on the expertise and abilities of Steve Kaufman to help me and my clients work through the often difficult-world of mortgages. Unlike anyone I have worked with in the past Steve gets the job done quickly and in a way that puts my Buying client at ease. Communication is key in Steve and my business, and he makes it look easy. Buying property in San Diego? Look to Steve and your mortgage and lending expert... simple. read more

When it comes to home loans, it's a foreign language. Steve took the time to review my credit scores and make sure what was reflected was indeed accurate. I found some items that were inconsistent and was able to get them correctly adjusted. Thanks Steve! I'm on my way to my dream home. read more

WHAT A GUY!!! Steve is exceptionally knowledgeable in the loan and mortgage industry, and incredibly personable. He takes a genuine interest in helping his clients have the best experience. He is responsive, dependable, hardworking, and easy to work with. Everyone at JMJ Financial is AWESOME! I hope to be able to continually work with Steve and his entire team for years to come! :) read more

Steve and his team worked diligently on my loan portion of the home buying process to ensure that things were done on time and in a perfect manner. They were even able to expedite the loan process when the short sale lender made the closing date earlier than we originally anticipated. Additionally, Steve was able to guide me to lock in a solid interest rate which even beat out my USAA quotes which in turn saved me on the bottom line and monthly payment wise. All in all, I was please with the experience of using Steve and his team as my mortgage broker/lender and would do it again. - Sean Mc read more

Steve Kaufman helped my wife and I do a refinance on our house and we had a great experience working with him. Steve did a great job of clearly identifying all of our options and had answers to all of our questions. He was always quick at getting back to us with answers and made the whole process simple and smooth. We would definitely highly recommend Steve to anyone wanting to get a loan or do a refinance. Steve did what was in our best interest and that's why he's good at what he does. He puts your first and his customer service is unmatched. read more

To anyone reading this, do not hesitate to give Steve a call or trust him with your financing needs. Like many others, I found Steve through a referral from a great friend of mine. I gave Steve a call and within 15 minutes of speaking with him, I felt like I'd known him for years. I communicated to Steve that my refinancing goal was a specific rate/point structure. Steve knew this would complicate and extend the refinance process, but he didn't balk at the request or attempt to pressure me into locking in an already great rate. Steve and his team understood my goal, developed a plan and worked together to flawlessly execute the plan. Once the target rate was met, the rate was automatically locked and all the necessary documents, notifications and follow-ups needed to keep the process on track and moving forward were perfectly managed by Steve and his team. Steve's professional dedication to his clients didn't end once the ink was on the paper either. I had a few questions a couple of weeks after the loan closed and Steve was just as responsive and professional after the deal was done. Steve's professionalism, personality, and dedication to his client's satisfaction made the refinance process as easy as making a few phone calls and signing a few documents. Thanks Steve! read more

Steve and his team were very professional, timely and easy to work with during the entire refinancing process. He communicated what was happening, he followed up and made sure I was happy with everything. I would recommend Steve for any of my real estate needs!! Thanks Steve! read more