I've worked with Kim on multiple loans for home purchases. She's a go-to for any client of mine…read morelooking for an honest, reputable, professional, and competitive loan officer. She and her team always take the time to understand the client's situation and with her background in real estate sales, she's able to provide the right information to make sure my clients' offers are the most competitive and have the best opportunity for acceptance. Throughout the loan process, her customer service is top-notch. She's very communicative and she always delivers. I know that if I recommend a client, friend, or family member, they are in great hands and she will handle it with the utmost care.

Kim was knowledgeable, professional and trustworthy. Kim and her team provided excellent customer…read moreservice and were always available to answer any questions. I highly recommend using Kim to help you with all your mortgage needs.

【Tom - The Best Lender We Could've Asked For!】 Working with…read moreTom was an absolute game-changer for us. As first-time homebuyers navigating the SF BMR program, we had tons of questions and tight timelines--but Tom made everything feel smooth and manageable from day one. He is blazingly fast with response, seriously, we don't know how he does it! Whether it was a quick question or a document to review, he got back to us right away and always with precise, clear answers. His speed and efficiency made a huge difference during a very time-sensitive process. Tom is also incredibly knowledgeable. He explained every part of the loan process in a way that made sense and gave us full confidence at every step. And above all, he's just a genuinely kind and trustworthy person--we always felt like we were in good hands. If you're looking for a lender who is lightning-fast, highly skilled, and truly supportive, we can't recommend Tom enough!

I highly recommend Tom! He's the best lender you can imagine working with. You can feel his support…read moreevery step of the home buying process. He checks in on us, proactive in getting deliverables done and even helps us plan and strategize on requirements. Thank you Tom in helping my wife and I get our first property! Every interaction and moment we experienced with you significantly contributed positively to our buying process.

Cal Insurance is now owned by One Digital. I have been a Cal Insurance customer since 1983. Their…read moreservice was fine over the years. Recently my insurance rates have increased by over 50%. I sent an email but received no response. Since being taken over it has been harder to reach the correct agent with questions. I have no idea who my agent is or how to contact any human. I am shopping for another agency.

TL;DR - If he can't provide a quote in two months with multiple follow-ups, would he ever responded…read moreif I needed help with a claim? Full disclosure: I was never actually able to get a policy with Stafford Jacobs and CAL Insurance. I reached out to Stafford in March based on a recommendation. I explained what I needed, and that one policy expired in early May, so there was both a reasonable amount of time to figure out policies and a time constraint. * I sent him the requested documents and filled out all of the requested forms. * Three weeks later, no response, so I followed up. He had COVID and asked if he could response the following week. * Two week later, one of my policies is now *expired* (which is what I was trying to avoid when contacting him in May), but I still have nothing from Stafford, so I follow up again. Now he needs more information (that he could have asked for six weeks before), so I provide that. "Received and downloaded," he says. * Now, another two weeks later, two full months after I originally contacted him, I still have absolutely nothing. I was trying to go through a recommended local agent because I was tired of talking to a drone at a call center who knew nothing about me and who just referred me to another department to get anything done. But if I am still waiting, after two full months and half-a-dozen attempts at follow-up to get a quote from CAL Insurance, would I have any hope that they would actually be helpful if I needed to file a claim? Definitely not.

Working with Scott was a seamless productive and ultimately successful experience. Scott went out…read moreof his way to assure that everything was moving forward and his rates were the best my clients were able to find. From the very beginning, Scott was responsive, and incredibly knowledgeable about the lending process. In a market like San Francisco where timing and certainty matter, having a lender who can move quickly and communicate clearly makes all the difference. What really stood out was Scott's ability to break down complex scenarios into simple, understandable steps. Scott clearly explained all of the different mortgage choices and he has been instrumental in the succesw of many of my recent transactions. If you want a lender who is strategic, honest, and genuinely invested in your success, I highly recommend working with Scott Kravitz. The peace of mind alone is worth it, especially in this competitive market.

I've had the opportunity to get to know Scott Kravitz through LeTip over the past year and have…read morebeen impressed by his professionalism, knowledge, and commitment to helping people understand their financing options. Scott takes the time to educate clients, answer questions, and guide them through the lending process. He genuinely wants people to understand their options so they can make informed decisions that are right for their situation. If you're looking for a mortgage professional who is knowledgeable, approachable, and focused on helping people make confident financial decisions, I would recommend reaching out to Scott.

Thank you Samuel, Reina, and Valentina! Absolutely professional, amazing, and solid throughout…read morethe whole process. Thanks for being so great with my client and the great competitive rate!

Samuel, Reina and team have been efficient and awesome on the two transactions we've done with…read morethem. After dealing with numerous banks and how painful their process can be, Samuel and team were so breezy to work with! I would highly recommend their team if you're looking for TIC financing in the city.

I can't say enough good things about my new financial planner, Ora Citron, who works with…read moreStahlschmidt. I recently moved my retirement funds from a large brokerage firm to various companies recommended by and managed by her. The diversified investments she recommended to me are doing great already, compared to my significant other's accounts, which are still with my previous broker. But what I love is the information. Each time there's a news item about anything financial related, I get a letter of explanation/analysis from Ora. She e-mails me with the most recent performance if it's anything out of the ordinary, positive or negative. Before I transferred my funds, we met for approximately 10 hours over the space of several months so that I could get educated about her recommendations - and we're not talking about a lot of money here, either. The personalized service is SO refreshing after dealing with a faceless company all these years. And it's reasonable!! I paid a one-time fee and I get counseling for LIFE. Highly recommended. Check them out - and I recommend Ora specifically - if you're looking for a trusted planner.

DO NOT DO BUSINESS WITH EDWARD O.!!!! I just had an experience where he promised me a sale of a…read moremismanaged restaurant by a Russian woman friend of his who leased (not bought) it for a boyfriend/married man who after a couple of months, deserted her for his wife and newborn baby in New York! how dare he! hahaha...Anyway, he PROMISED a sale for $49k, which turned out to be a purchase of a 5+5 lease. He also said the lease was fixed, but it turns out that it had the standard 2 or 3% yearly increase. .I appeased him, started asking questions, wanted the cafe info and his/her promises, asked if I could hang around the cafe to see the customer flow. I asked how this boyfriend/deserter of the lady who holds the lease (and he's a party on the lease) would be exempted from the transaction and he replied: "he'll sign and express his signature or sign a POA so she can sign on his behalf. I requested it be notarized and then he blew a gasket! HE CURSED, told me I had no money and flat out told me that this cafe's history would not qualify as revenue worthy...NOW, WHY WOULD I WANT TO LEASE A CAFE WITHOUT REVENUE WORTHINESS??? You guess.... He claimed the landlords of the Cafe hates him and the Russian lady who leased the place...I WONDER WHY?? BEWARE BEWARE BEWARE BEWARE BEWARE BEWARE HE'LL TRY TO STRONG ARM YOU TO GET HIS WAY AND WHEN HE CAN'T, HE'LL GET BELLIGERENT AND CURSE YOU OUT! ALL I CAN SAY IS: DO NOT DO BUSINESS WITH EDWARD O.!!!...AGAIN, DO NOT DO BUSINESS WITH EDWARD O.!!...AGAIN, DO NOT DO BUSINESS WITH EDWARD O.!!!! HIS COMPANY SHOULD BE NAMED: BUSINESS INVESTMENT 'MIS' MANAGEMENT!

As the property owner of a building in 2010 when the retail market of S.F. was quite soft, I wanted…read moreto make sure we hire the sharpest and most competent broker possible to work on leasing our vacant retail units so as to reduce the large mortgage losses. After interviewing four commercial leasing agents from three different companies, it was clear as day that we should hire BIM. Both Broker Mr. Olshanetsky and his agent Louisa Dawson are not only competent but very experienced with the negotiation of leasing and sales transactions, which are easily 20 times more complicated than any residential leasing. I appreciate Mr. Olshanetsky's honest and no-nonsense approach in working with all parties. He has an accumulation of more than 30 years of experience helping business owners buy and sell businesses (from the time as a top producer for many years at Business Team)---as the definition of a good agent suggests, he sees and cuts through problematic transactions before you can sense where it is going. Unfortunately, he may often come across as even rude by people who only hears his tones (very strong Russian accent) and not the content of his helpful messages, as he can be very direct, and some people may have harder time hearing or dealing with the truth. Most importantly, he treats everyone fairly, with tough love approach through tough times but has a big heart for extending himself to help business owners in need. For the above reasons, we trust him and have worked continuously with BIM through 2013.

This is the best mortgage broker out there. I have worked with Francisco every time for my…read moremortgage needs and will continue to do so in the future. He has always gone above and beyond to make sure that I get the best rates out there and to make sure that I have all my financial business together in time for closing. This time he has done even more... he even filled in when my real estate agent was busy in training. We had a very complicated close because we needed to do a simultaneous close with the sellers' replacement home. The listing agent and the sellers weren't very organized and didn't really know when closing was going to happen and didn't do their due diligence so we the buyers were left in limbo. However, Francisco got us ready so that we had all our financial paperwork ready to go any time. When my agent was unavailable, he did everything he could to make sure that we were not at a disadvantage because of all the last minute changes on the seller's side. He worked with the listing agent, the title company and kept my agent and us in the loop on all of the last minute complications that came up because of the sellers. He also made sure that we weren't out-of money for any inconvenience and delays that were created by the sellers. He even helped us with our cleaning since the sellers were moving out up to the eleventh hour and didn't have time to clean. He made an otherwise terrible buying experience bearable and worth it even though he wasn't the real estate agent. I highly recommend Francisco and CC Legacy Financial for their great service and rates! Check out their rates. I'm pretty sure it can't be beat.