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

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!

Service requested: Refinance We first connected with Esther…read morea few years ago and never forgot how professional and genuinely helpful she was. So when it was time to refinance, calling her was an easy decision! Esther makes what could be a stressful process feel easy.. She explains everything clearly, is incredibly responsive, and truly has your best interests at heart. She and her team stayed on top of every detail from start to finish. Quality: Top-notch service and attention to detail Value: Excellent guidance and a smooth, stress-free experience Highly recommend Esther and her team!

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.

We had a great experience working with Grant. We contacted him after we had already submitted an…read moreoffer with a 15-day close, and he was able to get everything done on time without any hiccups. He was extremely thorough and knowledgeable about every aspect of the home loan process. As first-time homebuyers, we were pretty out of our depth, but Grant answered every question we had and made sure we understood what was happening at each step so we could feel confident we were making the best decisions for our family. I would recommend Grant to anyone in the area looking for a home loan.

Grant is hands down the best and most amazing person ever. I had no clue what I was doing for my…read morefinancials and let alone buying a home. But Grant took his time to walk me through the whole process. He spent countless hours educating me so that when I was ready to buy my first home, I had all the knowledge I needed. I trusted Grant in this entire process and he guided me every step of the way. He's very thorough and very transparent. Which is something you don't often see. He truly cares for you and makes sure you are able to save money and make good choices. Grant went above and beyond what he provides and I can't thank him enough. I highly recommend Grant's services to everyone. If you don't know where to begin, start with Grant!

I was finding a loan brokers and came in contact with Irene. out of all the mortgage brokers I've…read morecalled, she was the only one to answer. Irene asked me many questions to fully understand my situation and the next day followed up giving me an extremely detailed and thorough breakdown of everything we talked about. absolutely recommend 10/10 service

We had been working with a previous lender who was flaky and unreliable so when we found a house we…read morewanted to offer on our realtor gave us the name of 3 lenders, Irene being one of them. In a matter of days she was able to get us everything we needed to offer on the new house, and while we didn't make it, she was right there with us for our next offer. Speaking of that next offer--it turned into being in contract and now being home owners! Irene and our agent, Kristin Romig, worked together to put together a competitive, strategic offer. We didn't have the most money, but we did have a great offer that eventually led to us getting into contract. In just about 20 days with my bank account being compromised a few days before our close date, and Shelter in Place ordered the same week, she made it happen. Irene is extremely honest, transparent, and pro-active; she is on your side. I think if she can manage this in the middle of a Pandemic, then we're sold. If we ever decide to enter the Bay Area housing market game again, we will definitely work with Irene.

Bob Bachman and his Team were phenomenal. I refinanced my property about a year and a half before…read morewhen rates were higher, and the process was a nightmare. The mortgage broker I'd used for decades took me and my business for granted and didn't seem to care about anything but my $$$. The escrow officer was exceptionally rude to me and it was a scramble to get it closed. I researched different brokers and discovered Bob. He couldn't have been nicer or more helpful. The system he has set up with his team is seamless. Everyone was responsive and easy to communicate with. Their online system is really easy to use. I have recommended him to both friends and family.

My experience was excellent. I referred my clients for…read moremortgage to buy a house. He did above and beyond his scope of service with loan processor Debbie Angulo. Thank you again Bob and Debbie for your professionalism!!!.

If I had to describe Michele in 1 word: integrity. Michele consistently took my phone calls in my…read moremost stressful times of the home buying process. Both times she gave fantastic tips and was extremely helpful in my situation. Every conversation with Michele has been so refreshing in this constantly stressful process of finding a new home. Always honest and willing to work with me. The biggest reason she has high integrity is both times we spoke, she was able to confirm the quotes I had were strong and didn't try to pull anything on the other lenders just to make a commission, she truly cares about people and gave superb feedback on the process. There was no monetary incentive to help me, she was just a kind person who wanted to help. Thank you for being awesome!

This has been the third time we have worked with the Reen Team and each experience has been great…read more From helping us get our first place to helping us get our forever home. Highly recommend working with their team regardless if you're a first time buyer or an experienced one. They can help guide you make the whole process easy to follow.

My friend and Realtor Jen Beehler with Elevate Group, referred me to Rob McCarthy with 101 Loan to…read morehelp me with the purchase of new home. From the start to the finish, Rob and his team went above and beyond to help me with the process (making it as smooth as possible) and offered the best rates and lowest fees on the market. He and his staff were always available for any question, big or small, even on weekends. They were amazing to work with and my "go to lender" for anything financing in the future. If you're looking for a great mortgage broker or lender, look no farther than Rob McCarthy at 101 Loan. He's the best!

Rob and Renee did a great job helping us buy our home. I appreciated the time they took to explain…read moreall of our options on how to obtain financing. During the offer construction process, where minutes counted, we were able to get on the phone with Rob quickly to discuss strategy and make adjustments to make sure that the loan wouldn't break the bank, so to speak. When the offer was made, the team also lent their support to reach out to the seller and reassure them that we were in a solid position to meet our obligations. Going with Rob and Renee gives a level of extra service and responsiveness that can go a long way in a competitive market where time, relationships, and market knowledge count for everything. During the contract process, they executed everything smoothly and seamlessly, resulting in a drama-free transaction. Overall, we were very satisfied with their work.

2nd time user here. Terry and Melody are absolutely the best mortgage brokers in the area. The 30…read moreyears experience they have is clear from the get go. During our first time thru the process they were incredibly helpful and willing to answer any question we had has new home buyers. Walked us thru step by step making sure we were comfortable with the process. The second time thru they delivered once again. They bent over backwards to provide us different options based on different price points we were looking at. They make the process so easy. Had absolutely positive experiences with them. I recommend them to everyone I know who is looking to purchase a home.

Terry came recommended to us by our real estate agent after having a couple of lackluster…read moreexperiences with other mortgage brokers. My husband and I were motivated to buy our first home here in California, but still weren't positive what we could afford and what our options were. After our first meeting with Terry we were practically giddy about the fact that we so clearly understood our options. He is the absolute master of clear and concise spreadsheets, which is exactly what we were looking for. He went over the pros and cons of the interest rates we could choose, and took into account the tax implications of each, which made a big difference in our decision (and was something neither other brokers we saw laid out for us). We of course had many, many questions along the way and Terry (and his wonderful assistant, Gladys) was incredibly responsive, even while on vacation. When we had an offer accepted, he was quick to get everything in order and stayed on top of every tiny detail to make sure there were no hiccups along the way. I had co-signed on another home loan for a family member who was thinking of refinancing and he took the time to sort through his finances and recommend a refinance plan, which was way above and beyond what we expected of him. We couldn't recommend Terry enough. He made the process of getting a home loan as smooth as it could be and we will definitely be back when we decide to refinance or buy a new home down the road. *Update: We just refinanced our home with Terry and had another great experience. He was again up front and clear with us about all of our options and everything went smoothly in the process. Will look forward to working with him once again when we are ready to buy another home.

Stephen went above and beyond during mine and my boyfriend's first home purchase. He was super…read morecommunicative and even connected directly with my agent to ensure everything went smoothly. We recently had the opportunity to refinance and without hesitation, Stephen reached out directly to us as soon as he noticed rates were coming down. We did not need to chase him for it nor constantly inquire about it--he just felt like it was the right time and reached out! I'm very grateful for Stephen and his team and will definitely be referring him to our friends and family.

Based on his numerous good reviews, I messaged Stephen early last August about the possibility of…read moregetting a United Wholesale Mortgage (UWM) 15-year fixed home loan at 1.99%. This was a new program announced by press release, which I read about in a Yahoo! Finance article, through a link on Google News. Having worked previously in real estate and finance, I knew what the key points were to our situation, so I included those in the message to Stephen, asking whether he would be able to do the loan. Stephen responded abruptly by saying that he would have to talk with me by phone, to discuss "details." After I called him, he proceeded to try to browbeat me into accepting a different program at a higher interest rate. His approach was to use old-fashioned psychological pressure tactics, along the lines of: "Are you so naïve that you think you could actually get such a loan? That rate is just a teaser that you would never actually get." He was crude, demeaning and even insulting. I informed him, politely, that I had a background in real estate and finance, so I was not naïve about these things, offering him one last chance to do business with us, if he was so inclined. But he insisted that the loan would not be possible for us, so I thanked him and said goodbye. Shortly thereafter, I found a straightforward loan broker who in fact did the loan for us, on exactly the terms I had in mind: 1.99% 15-year fixed, with a reasonable fee. We closed in less than three weeks and none of the things that Stephen said were obstacles turned out to be an issue. I am pleased to report that my wife and I are now enjoying substantially lower monthly payments. BOTTOM LINE: If you want someone with an "old-school" approach to sales--involving psychological games, pressure tactics and absence of transparency (resulting in your not getting the best deal that you could)--Stephen Wong may be a good fit for you. Anyone interested in connecting with the straightforward broker we ultimately used is welcome to send me a private message, as I'm not allowed to include that information in my review.

Has been her customer for many years. Great experience doing our loan with Angela. She is very…read moreknowledgeable, very fast in execution, always kept us in the loop. There was a case when we had to switch our lender/agent at the last minute due to unavoidable circumstances. Angela helped at that point. I felt that she keeps customer ahead of everything else.

Angela is very knowledgeable, professional, and very dedicated to her work as a morgage specialist…read more It was a pleasure working with her. She is very organized and precise. She made the mortgage process easy and offered great guidance throughout the entire process. She was always quick to respond all of our questions and was always easily accessible. We absolutely like working with her and highly recommend her.