Bobby Ngo was amazing and made me feel comfortable with every step of the house buying process.read more

OWN Real Estate came highly recommended by a previous client, and it turned out to be the best…read morerecommendation we've ever received. As first-time homebuyers searching for our forever home, we were working under a tight four-month deadline--and thanks to their exceptional team, we found the perfect home in just two months. We worked closely with Wesley and Kinsey, who were both incredible throughout the entire process. They took the time to educate us on every part of the home-buying journey, helped us understand the pros and cons of each property, and answered every question and concern we had with patience and clarity. Their experience truly shows. Wesley and Kinsey are outstanding negotiators who helped us secure a great deal on our home. They were honest, supportive, and knowledgeable from start to finish, making what could have been a stressful process feel smooth and manageable. If you want honest, patient, and highly experienced realtors, we cannot recommend OWN Real Estate enough. They helped us find our forever home, and we are so grateful for their guidance and dedication.

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.

This place is great and very welcoming. I got myself a cool supreme lending tote bag and some…read morecookies here. I loved the naughty eggnog. I ran into some great people i haven't seen in awhile here.

We've used Mike Ervin for three mortgages. Our first was a "Hail Mary, I hope this sticks"…read moresituation that I will be eternally grateful for.... He has always beaten my online research for rates and has gone to bat for us when the banks/lenders have been blinded by "comps". Over the last 12 years of investing, I'm happy to say that Mike has been a sincere partner in our success. We will be retiring at 50 thanks largely to Mike's advice and diligence. I can't recommend him enough!

My wife & I worked with Carrie for a refinance as well as several different loan scenarios to…read morepurchase a new place. Throughout the process, Carrie was patient, competent, and quick to respond to the hundreds of questions we had. She was very clear about what she needed, and streamlined the whole process. Carrie was professional and made the process easy. In fact, our real estate agent said that one of our offers was really attractive, despite not being the highest, because Carrie made a great impression on the seller's agent. We really appreciate what Carrie did and will definitely work with her again.

I don't think that we would have got the home of our dreams in Alameda without Carrie…read more She helped us understand the market in Alameda and was a great partner in this (crazy) market to get our offer approved. Also, Carrie always makes herself available when you need to talk to her even though she is extremely busy with her work and life.

My wife and I have recently had the pleasure of working with Matt on a real estate purchase on the…read morecoast. I'm a long time coastside local and grew up there since the mid 70s. We know lots of realtors and had lots of great choices for who could represent us. We ultimately decided on Matt after sitting down with him for a cup of coffee to see how we all gelled. My wife is very easy going and I am very structured, need a lot of contant attention and like to be kept in the loop, in other words I'm high maintenance. We explained what we were looking for in a property and set Matt to the task. We looked at a few places on our own and had Matt show us a few others. The property we ultimately purchased was a "for sale by owner" which many realtors might shy away from for fear of having to work too hard. Matt was stellar and exceeded our expectations every step of the way and did a great job of keeping us in the loop at all times. He team was on top of all the details and worked well with our finance team behind the scenes to make sure the transaction proceeded smoothly. We would highly recommend Matt Haugen to anyone purchasing a home on the coastside.

Gabe Weisbarth was incredible to work with! He sold us our first home and made the process fun, had…read moreexcellent communication and we really felt supported throughout the entire process. I would highly recommend Gabe as your realtor!

My husband and I had our Terra Nova town home sold by…read more Eccleston Incorporated recently. We cannot say enough good things about this real estate group. Lisa was our agent and her experience, responsiveness, and attention to every detail was over the top. We called her late one night and relayed that the real estate agent where we were purchasing wanted to put an offer in early in the morning and could she send our status on our sale on the Pacifica end. Lisa stayed up, sent all the information needed, and we got the place before it went on the market! If you are looking for an Experienced, professional, no nonsense, real estate group, We HIGHLY recommend; ECCLESTON INCORPORATED! Conveniently located on Rockaway Beach Ave. near the Ocean. ( We would give 10 stars if we could!)

Lisa and her office are Compassionate and realistic. When you work with Lisa you feel like your…read morewith family!

Guarantee Mortgage has been around for many years. They have a basic easy to comprehend website. It…read morelets you know in northern california their offices are spread out and discusses the type of programs available to potential clients. They are a good lender to work with. I have worked with them in the past and found them to be a useful tool.

Julie is amazing. When buying our first home together, we initially planned to use our bank, but…read moreour realtor recommended her. After speaking with both Julie and our bank at length, it was apparent who to choose, and we never second guessed ourselves. Julie was very thorough and helpful throughout the process, managing to explain all of the steps, while not over burdening you. She makes sure to focus you on the important / sensitive items and ensures nothing is missed. Julie communicated everything well along the way, and was available for any questions that arose. We easily closed our home in the agreed 21 day timeframe, and the loan was actually ready to close early if we wanted. And of course, she got us a great rate too! If buying another home, we will definitely use Julie again and strongly recommend.

We moved to the peninsula less than a year ago and started renting with the plan to buy a house in…read morethe coming year or two. When we interviewed realtors we were drawn to Raziel because it felt like every question we had was answered and backed up by data-driven analyses. We were also really intrigued by his unconventional process that is extremely involved in the beginning. Coming from out of state we learned so much about the area and what kinds of properties we could expect for our budget in each neighborhood we were interested in. This allowed us to really hone in our search and made the process less stressful because at that point we knew exactly what we wanted and were prepared for the right house to come along. During this time Raziel also guided us through the process of understanding buying a turn-key property vs. something that would need renovations. When we found our ideal property, we were a little anxious because it was an off-market Hillsborough house. But Raziel was quick to move and get us a showing and guide us to make the right offer for the property. It was complicated, as some off-market listings can be, but it was Raziel's strong relationship with the listing agent that helped our offer prevail. We have to say that every time we saw a house and the listing agent heard we were working with Raziel they had a genuinely warm reaction that made it obvious he is well-liked and respected in his field. Also, Raziel knew our plan was to buy in the 1-2 year range and we never felt pressure to move that timeline up. Instead, for every house we considered putting an offer on, Raziel gave us a thorough discussion of all the reasons why someone would not want to buy the house, and that helped us really decide if it was the right property for us. It always felt like he truly wanted to find us the right house for our family, not just make a business transaction. We feel so grateful that we worked with Raziel and his team to find our ideal property (thank you Jenny and Angilee!).

Raziel and his team (Jenny, Angilee, Emily) are exceptional! With their support, we bought our home…read moresooner than we expected, and the entire process was incredibly smooth: our very first offer was accepted. In the Peninsula's competitive market, we couldn't believe it! As first time home buyers, we were looking for someone deeply knowledgeable who could guide us through the entire process: from understanding local neighborhoods and why buyers might choose one over the other, narrowing down our criteria along with what's realistic in our budget, doing diligence when the right house pops up, and navigating the offer process. We didn't know what we didn't know, and we really wanted an expert. Raziel was exactly who we were looking for! He has a very well-structured process that we loved - touring neighborhoods, looking at past sold homes together, and moving quickly when the right house pops up. I really enjoyed learning as much as I could from Raziel, as he has so much local knowledge that I would never have learned otherwise. For the home we ultimately purchased, he suggested bringing an engineer on-site to take a look at the house before we submitted our offer. He also flagged an unusual item in the seller's disclosure packet that he hadn't seen before and recommended reviewing it with a real estate attorney. We followed both suggestions. Everything checked out, and because of that diligence, we felt confident submitting our offer. We would not have taken those extra steps without his guidance. Raziel truly de-risked the process as much as possible. By offer day, we felt informed and prepared. We love our home and are incredibly grateful for Raziel and his team. We can't recommend them highly enough!

I had a great experience working with Dwight on a commercial mortgage refinancing. Anyone familiar…read morewith the space knows how difficult and confusing commercial lending can be and it's nothing like a residential mortgage. I thought I had a good handle on it after securing an SBA loan years ago, but pursuing a private refinance was an entirely new ball game. To make matters more challenging, our situation was complex and far from straightforward. I was incredibly fortunate to find Dwight through a referral. He was patient throughout the entire process and took the time to guide us every step of the way, ultimately finding a loan program that met our criteria. I truly appreciated his persistence, follow-through, and high level of professionalism. I would use his services again without hesitation. His service is worth every penny!

This is my second commercial real estate loan Dwight Daguman and Pacific Bay Financial have done…read morefor me in the past 9 months. Thank you, Dwight and to the company for a job well done! Dwight had warned me that the SBA loan process will be extremely documentation heavy. But he also smoothed the bumpy road for me to accept the scrutiny that lenders undergo when evaluating business entities. During this period, Dwight made recommendations and patiently explained the complexity of the process - and I felt at ease to continue with the process all the way to a successful end. His oversight produced financial gains, both short-term and in terms of long-range asset accumulation planning, for which my family and I will be forever grateful. Kenneth