I can't say better things about Roni and my experience with her. She has been assisting me since…read moreearlier this year when I was becoming antsy to purchase. With her guidance I was able to secure a loan without it being FHA (YAY FOR NO PMI) and a great interest rate. Roni was very knowledgeable throughout the whole process and guided me every step of the way. I know most say the home buying process is stressful but there was not one hiccup that came up throughout the entire escrow process. But I'm sure even if it did Roni would have helped me with anything and everything thrown at me prior to closing. Seriously, if you're looking for someone to work with to buy a home look no further! Thank you again Roni!

We have worked with Roni the past month to get approved for our home loan and she has been nothing…read morebut professional, attentive and knowledgeable to work with. Everything went through in a timely manner and we are very pleased with Roni's work. I highly recommend Roni for all of your lending needs.

victor with JVM lending was so effective with his communication during the entire process of…read morepurchasing my first home. he ensured all of my questions were answered and was able to complete the closing process with a very quick turnaround and very competitive offers for lending options. highly recommend him and his team!

Working with JVM lending has been a real pleasure, and I cannot thank Victor Flynn and his team…read moreenough for assisting me in this process. This is the 2nd time I have used JVM, and they have provided top-notch service throughout. I would like to give a special call-out to Victor Flynn. In this 2nd time working with JVM, I told Victor that his speediness in my first transaction 3 1/2 years ago made me realize that he was "in like Flynn"--in that he was right on top of getting things moving from the very first day after I had contacted him regarding my mortgage needs. Victor's explanation of my various options this time around was presented in a totally clear manner, and he and his team were available to assist me at all times. I also really appreciate the fact that there was no pressure upon me, as I was not ready to get the move going for 6-9 months after my initial conversation with Victor this time around, and other than 1 or 2 check-in emails from him, there was absolutely no high sales pitch from them, and no "push" or fear tactics regarding the market. I highly recommend Victor and JVM team for anyone who is planning on selling and/or buying a home in the Bay Area. I have no hesitation in giving Victor and his team a 5-star recommendation.

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.

I purchased a home recently and also had many questions related to refinancing and different loan…read moreoptions for a refi. The timely and expert advice I received from Robert and his team during this process were invaluable to me. I'm a fan of working with specialists in their field so that I don't have to try and know it all or keep up with it all. Robert is a true professional and knows this business better than anyone else I've met in the mortgage industry. I'm a real estate broker and have seen first hand the broad spectrum of capability and professionalism (or lack thereof) in the mortgage business. The no-nonsense approach and the delivery of market data and financing options by the team at Cornerstone enables the client to better understand what will make the most sense for their unique situation. I was very impressed with the level of knowledge and understanding Robert and his team possess and the great lengths they go through to deliver great service to their clients. Highly recommend!

This is the 2nd time I have used Robert Copeland/Cornerstone and wouldn't go anywhere else!!…read more Professional, personable, affordable and amazing service! Thank you Cornerstone!!

The worst experience possible. Where do I even start. I…read moreguess plain and simple, Ana doesn't know much about home loans. First Ana was giving us incredibly inaccurate expectations of loans we could use. She didn't know that loans were different based on a stick built home vs a manufactured home. This is huge change of interest rate from what she has originally quoted us. Next as rates were climbing rapidly, after several percent increases, Ana asked us if we would like to lock in the interest rate. Where is the common sense and common decency? Integrity? She clearly doesn't care about her customers. We found the home. Made the offer. Got accepted. In contact. Our interest rate we locked in at was feeling good but tight. A week before closing Ana realized a huge detail SHE overlooked. We didn't actually qualify for the loan she had us ready to sign. This was after several docusigns had been signed and thousands off dollars had gone into contract. Now we either lose our down payment or are forced into a loan with a higher interest rate by a whole percent more! Ana doesn't know simple math. She tried telling us several times that this monumental mistake she made would only cause a $30 change over the life of the loan it's over $210 per month price difference. I spoke with John the manager and he was nice enough but no help. It's insane to me that a company like this even exists. How can they put their customers in the position of losing so much by mistakes made by their employees and have zero accountability? Save yourself a ton of time, money and headache and go elsewhere.

USE SOMEONE ELSE! We…read moredecided to use them (we were the buyers) because the seller was offering a credit if we did. In the end..it was NOT worth it. Bad communication, seemed as if every corner they were trying to force hidden charges to the buyer. BAD experience, lack of communication within their team and the seller...felt like they were only trying to make a buck at our expense (elderly on fixed income) Even the inspectors, repair cos. involved were frustrated with them. So glad we are done with them.

I was referred to Alex by my Real Estate Agent back in 2008 when I was looking to buy my first home…read morein the Tracy area. Previously I had a very bad experience with a mortgage broker in the San Diego area so I was very hesitant to trust any of them ever again. I must say though, I was very pleased with how professional, yet personable, he was. He took the time to answer any questions we had and did a pretty good job of staying in contact with us throughout the process. A year later we refinanced our home through him as well and he once again Alex did a great job explaining the choices we had and what the resulting outcome would mean. I am completely satisfied with my loan and with Alex's service. Recently I referred some friends to Alex for their first home purchase ever and they too say that they had a very good experience with him. I would gladly recommend any of my family or friends to Alex.

This place doesn't know what they're doing. Sarcastically, you are better off doing your own…read moremortgage than this place. No commitment, no manners, no consistency. Hire people that want to do their job and take priority in doing business. The manager has failed miserably. Go get an education or I'll happily buy you some books "business for dummies".

Veronica was a pleasure to work with!…read more She goes up and beyond her role as a Loan Officer.She was a phone call away ever step of the way and always provided me with an answer to any questions or concerns I had. Her actions reflected that she had my best interest. I give the over all experience with her a five star. Make sure you request to work with Veronica Dewitt!

From the owner: FHA, VA, Conventional, USDA, Down Payment Assistance, First time Homebuyers, JUMBO,Reverse…read moreMortgages, Commercial, Hard Money, ITIN, Bank Statement

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.

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.