I initially was trying to do business with other mortgage companies but after a while of searching…read moreI ended up looking at the reviews for this company and was pretty intrigued at the high ratings so I decided to give this a shot. Afterwards I was referred to this mortgage company by my realtor and was connected to Derek Mass. My experience from offer to closing has been nothing short of amazing! Even through times of doubt to almost backing out to eventually negotiating for higher escrow credit, Derek has been with me through every step of the way. He was always receptive and punctual with all my questions, and when it came to the difficult ones he met up with the rest of his colleagues to try to find the best possible answer for me. He was always supportive and respectful of my schedule and availability and really tried his best to give me what I wanted in terms of getting my interest rates fixed, extending the deadlines, etc. His attitude was top notch as well. Would recommend this to ANYONE looking for a mortgage lender in California. Make sure to hit up Derek Mass, he'll make sure to give first timers like me a very accommodating house buying experience.

Omar, of Mission San Jose Mortgage offered some good pricing for the refinancing, and took care of…read moreall the items on-line, so well streamlined. It took a bit longer, as lots of loans in process due to the lower rates. Thanks to their team for all the hard work!

Worst service!! We were referred by a family friend and after reading all of their reviews we…read morebelieved that this was a great place to start our home buying process. JoAnn contacted us via email super fast and informed us to submit our info and paperwork online to start the process. We submitted all of our paperwork a MONTH ago and till this day we have not heard anything. We have left msgs to Susie's assistant and no call backs. No updates, no meetings, NOTHING!! Very disappointing. *UPDATE* Absolutely! Call the 209 # you have on file for me, I do not want to post my number here.

We worked with Rodolfo Ochoa he was always on top of things and made sure we understood everything…read morethat was going on. He was available all the time. It was our 1st home buying experience and it seemed very easy and fast. He would drive from Tracy to San jose for our paperwork to be done. That was very nice of him. We really appreciate that.

5 Stars is not enough when it comes to Don and Paula! My…read moreHusband and I had been trying to get in the process to buy a home for years but, kept getting turned away. I got in contact with Don in way that it was pure fate on a sunny June day. I was just trying to get the correct steps to be able to buy a home. Don from the very first phone call was Kind, Patient, and so Informative. He gave us a step by step plan. And after years of trying in December we were ready to view homes. And today February 2026 we are Homeowners! We could not be any more grateful for the amazing team at H.O.M.E Lending. They are a top tier organization that really care for their clients. A lot of companies say their clients come first but, H.O.M.E Lending, Don and Paula really mean it. If your looking to by a home CALL DON! You will not regret it!

Don and Paula at H.O.M.E. Lending are a rock solid team! Home Ownership Made Easy (H.O.M.E.) is a…read morevalid name for this company. Don took the time to answer all my questions months prior to an actual contract so I knew what to look for and expect. He and/or Paula were available to us every step of the way. AND a quick closing (14 days) made our offer to the buyer the one accepted. THANK YOU!

Overall great experience. Daniel did an amazing job explaining all our options with full…read moretransparency. Thank you for all you did!

Alicia Amador was able to walk us through our first steps in our home buying journey. She is…read moreextremely knowledgeable in home financing and gave us the full picture on what we need to do. She never made us feel rushed, or that we had to work with her. We highly recommended her services.

Angie Garibay was absolutely great to work with throughout our home loan process. She was…read moreprofessional, thorough, responsive, and made everything smooth from start to finish. Most impressive, she was able to close our file in just 7 days. We truly appreciate her hard work and would definitely recommend Angie for your real estate and home loan needs.

Working with Angie has been an absolute blessing both professionally and personally. She is not…read moreonly an incredible broker but also a powerhouse businesswoman, a woman of God, and a true friend. Her integrity, dedication, and unwavering faith are evident in everything she does, and it's inspiring to witness. What sets her apart is her commitment to making the home-buying process as smooth and stress-free as possible. She handles in-house loans, which means everything is done under one roof, making the entire process faster, more efficient, and more personal. You're never just a number to her she truly cares about every client and every transaction. She's knowledgeable, hardworking, and always goes the extra mile to ensure her clients' needs are met. Whether you're a first-time homebuyer or an experienced investor, she brings wisdom, clarity, and honesty to the table. She operates with a rare mix of professionalism and compassion that makes people trust her instantly. It's not every day you come across someone who can be your broker, mentor, and spiritual encourager, all in one. I am beyond grateful to work with such a phenomenal woman. If you're looking for someone who will fight for your best interests and do it all with grace, prayer, and purpose she's the one.

Gene is very knowledgeable and professional. I would…read moredefinitely trust them with refinancing my loan. He gave me very good advise re garding the loan I have already .

Gene, Deanna and staff at Bay Equity are AWESOME! G & D have been doing my loans for over 12…read moreyears. I have came to them through many ups n downs of my "credit" life and they have ALWAYS steered me right. They have been empathetic and educating through EVERY transaction...they have always put MY best interest ahead of their own personal gains to ensure I was doing the right thing at the right time. I have referred many friends and family members to them and they too have been taken care of as well. Gene and Deanna will have my business for life!

Christian Blair is amazing! Not only is she responsible for our first home, but the 2nd home, and…read moremultiple refinances. She is so informative and honest. She has been in the business for years and can answer any and all of your questions or concerns. If you want to make sure your deal goes through call Ms. Blair. Traneil Missouri

From the owner: We provide great real estate loans to local families looking to buy or refinance real estate. Our…read moreteam consists of dedicated, knowledgeable, professional people who know real estate loans, down payment assistance programs and tax credits inside and out. We love to team with families and real estate agents to positively effect our communities by fulfilling the dream of homeownership!!

I was referred to Kathryn by an agent that I am no longer working with and I was not happy after I…read morerealized how much runaround I had to go through. I could never get a hold of the lender. Phone calls and emails were avoided. Even when she said she would call by a certain date I would never hear from her. She passed off my information to someone else that still didn't provide much help. I was able to find another company that was able to help me out. The weeks of hassle I had to go through with Kathryn, I was able to get done in just one day with this new company.

Kathryn made the process very smooth and stress free. We started with quicken loans which was a…read moredisaster and Kathryn picked up the pieces and quickly got us approved and into our home in a quick close loan! We are forever grateful.