I purchased my current home with Rainmaker about a decade ago! Alex paired me with the right…read moreperson on his team to work with. I always felt I could go to either of them with questions and concerns. Through the years, we've stayed loosely in touch. Recently I asked Alex his thoughts on a second property, sharing my concerns and parameters. He had/has really good ideas, has experience with handling different situations, and I didn't/don't feel at all pressured to purchase. When it comes, hoping the second time goes just as well!

We never thought we could get the dream home after seeing the massive traffic at the open house,…read morebut Yao Li made the impossible happen! She is incredibly knowledgeable, strategic, and resourceful, navigating this competitive market with expertise. Her support didn't stop at closing--the unexpected and valuable after-sale service (including offering resources & connections to help fix small issues) truly sets her apart. We are immensely grateful and feel lucky to have had her as our agent.

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.

Tuan and Mike at Providential Mortgage made buying our first home an exceptional experience. From…read moreday one, their communication was outstanding they walked us through every step of the process, set clear expectations, and kept us fully in the loop throughout. The close was quick and smooth, which was a huge relief as first-time buyers navigating a lot of unknowns. What stood out most was how thorough and patient they were in explaining everything. We never felt left in the dark or rushed. That kind of transparency and professionalism is hard to come by. We will absolutely be working with Tuan and Mike again for any future mortgage needs and won't hesitate to refer them to friends and family. Highly recommend.

After speaking with a few lenders, I reached out to Providential and it was immediately clear that…read moreTuan and his team operate on a completely different level. Everything was professional and above board, but his experience and guidance made the process feel far more approachable and comfortable than I expected as a first-time buyer. He offered thoughtful insight into the nuances of the process, communicated clearly and consistently, and helped me understand what really mattered at each step. Both my agent and the seller's agent were impressed, and we were able to get our offer accepted on the first home we pursued. Once you speak with Tuan, the difference is obvious. Highly recommend.

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

Natalie was fantastic! I highly recommend her to anyone in the Bay Area looking to close on a…read moreproperty. She was very responsive to my emails and phone calls at various hours. Further, she was flexible with us as we were evaluating our unique situation and the various properties that fit our criteria.

Natalie is a consummate professional and educator in mortgage world. She provided incredible…read moresupport and guidance to myself, and, as a first time applicant, spent hours teaching me the process. Natalie was able to bring us to close in a competitive market on a non-standard property. If you're looking for someone who can help first time buyers and who will put your needs first, your search stops with Natalie.

Jay was excellent in helping us with a no cost refinance at the best rate possible!…read more He was proactive in reaching out to inform me of any favorable rate changes and was even able to help me float down the rate AFTER rate lock when I noticed there was a sudden big rate drop before we closed on the refinance. He was on top of things and communicative thought out the entire loan process. I would highly recommend him to any family or friends and would definitely goto him again for any mortgage loan needs!

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Nikki and her team came highly recommended. After they assisted with our home purchase I can…read morepersonally say this is the team you want. Many aspects of a home purchase can be complicated and stressful, but not with her team. Nikki James and the Opes team were excellent all around. With their communication and detailing all the documentation we needed. Not only were they efficient, but this was a fast and seamless process. Do not hesitate to add Nikki to your home purchasing team.

While we weren't familiar with Opes when we initially started looking for a lender, many of the…read morereal estate agents we talked to were. They were quick to tell us how much they like partnering with Nikki (at Opes) because of how reliable, fast, and efficient she is. Needless to say, that kind of validation from third parties in the industry was a very strong signal. Our first meeting set the tone for the relationship; Nikki is such a warm, friendly person, and she immediately made us feel comfortable. She wasn't trying to give us the hard sell on anything, instead spending time getting to know us and patiently answering all our questions about the mortgage business. We came away from that initial encounter feeling confident that we'd found the right person to help us through the stressful and intimidating process of acquiring our first home loan. What especially appealed to us about Nikki's approach is that she analyzes her clients' overall financial picture to help them figure out how much they can afford to spend on a house and how much they should borrow. She spent a couple hours with us plugging in numbers and making several (conservative) projections based on a few different scenarios. Although I consider myself to be fairly savvy when it comes to managing my money, as a first-time home buyer I found this exercise to be tremendously helpful and informative. It helped us feel more comfortable with purchasing a home and taking on a mortgage because we were able to understand what we could truly afford. Perhaps more importantly, it's a responsible business practice in an industry with an otherwise poor reputation for protecting customers, and was a signal that Nikki was looking out for our best interests. We were initially a bit worried that this level of service would come at the cost of higher rates or extra fees. That wasn't the case, however; we spoke to several other lenders and the interest rate we got from Nikki was as good or better than any of the other quotes we got. When our offer for our home was accepted, things got real. Because of regulations, lenders require a tremendous amount of financial information before final approval of a loan. It's an overwhelming process, but Nikki and her assistant Niki (yup, you read that correctly) were with us every step of the way. They sent us lists of exactly what which documents and details we needed to provide, were quick to reply with answers to any questions we had. I can't think of a single reason why anyone wouldn't work with Nikki to get a home loan. She was lovely to work with, and her level of service, integrity, and competitive rates made our decision to go with her a no-brainer.

Rabia was exactly the kind of realtor I needed for a complex sale. I was remote and had a lot going…read moreon, so I needed someone who could take ownership of the process, reduce stress, and handle the details without constant prompting. Rabia did that exceptionally well. She coordinated the repairs, cleanup, staging, inspections, disclosures, open houses, and offer strategy with real discipline. Whenever an issue came up, she either had a clear recommendation or simply took care of it. That made the process feel much more manageable from a distance. What stood out most was how she handled a setback after our first buyer backed out. She stayed calm, kept the process moving, and helped us recover quickly rather than letting the situation become stressful or reactive. The final result was strong, with the home selling over asking. Just as important, Rabia made the process feel organized, professional, and low-drama. I would recommend her to anyone selling in Sunnyvale or the South Bay who wants an experienced agent with strong project-management skills and sound judgment.

Rabia helped my wife and I sell our Sunnyvale townhome during one of the worst downturns of the…read morehousing market in recent years (tariffs, markets crashed, high interest rates). She managed everything for us - touch ups, staging, photos, videos, open houses, negotiating, etc. Rabia went above and beyond when we noticed the shifting housing market, enabled us with a back up plan to rent out the house for 1-2 years, was able to negotiate to our intended sell price and allowed us to use the staging in the last week before we moved away. We have nothing but praise for the work Rabia and her team did, and would not hesitate to recommend her to all our friends and neighbors.

Working with David and Cathy was an outstanding experience from start to finish. David gave us…read morehonest guidance on which houses to buy and which ones to pass on, never pressuring us to overbid--a rare trait for a Silicon Valley realtor that speaks to his steady success and client-first approach. Since most single-family homes in the SV area are older fixer-uppers, David's great network of trusted connections for any house project was incredibly helpful. Cathy was exceptionally responsive and dependable, making sure every detail and question was handled seamlessly throughout the process. They make a fantastic team, and I highly recommend them to anyone buying a home in the area!

Kathy, David, and their team were amazing to work with. They were always very responsive and…read morereplied to us quickly, no matter what time of day it was. Throughout the whole process, they were professional, attentive, and truly supportive. What we appreciated most was how much they helped us along the way, including assisting with repairs before closing. Even though we had a very demanding buyer and some unexpected challenges, Kathy and David handled everything calmly and professionally, always working hard to find the best solution. We strongly recommend Kathy, David, and their team to anyone looking to buy or sell a home in the Bay Area.

I'm in Arizona and I knew what I wanted to achieve financially with a purchase of a very unique…read moreproperty would not be easy and that their would be challenges. After months of trying to find a Lender and Insurance Company in Arizona to assist me to no avail, I finally turned to friends in California who referred me to Cyrus. What a Gift what a Blessing. So, if you are looking for any type of Real Estate Financing from A to Z a team who can make the impossible, possible, then look no further. Cyrus and his amazing team are the most experienced, knowledgeable, trustworthy professionals that can help you achieve any and all of your financial real estate goals. Cyrus team has a mind set of No Problems, Only Solutions. They are not afraid of a challenge and are the most resourceful team I have ever come across. Communication skills are vital in this business and are time sensitive, a quality that all of his team members possess in spades. They listen, ask the right questions, they know when to e-mail you, text you and when to call. They don't waste your time and they don't drag their feet to get the job done. In my 30 years of personal real estate experience Cyrus and his team are the most result oriented team of professionals I have ever come across and that's the kind of professionals you want representing you. They give you all your options and they always do what's in your best interest not theirs. This is the only team of Real Estate Financial experts and professionals that I will ever use for any and all of my future real estate financial goals and I will continue to refer them to anyone and everyone who needs a winning team to help them achieve their Real Estate Financial goals and make the impossible, possible. Thank you Cyrus, Shahin Adeli, Cary Iaccino and Jennifer Lowe. Working with all of you has been by far one of the best and most rewarding financial experiences I have ever had. You and your team of Real Estate Financial Advisors are a team that can be trusted and truly understand the meaning of Customer Service who do not Over Promise and Under Deliver. What you achieved for me is priceless. Forever grateful.

Cyrus provide a good service he is trust mortgage broker. he always looking for best solution for…read moreclients