If you are looking for a calm, helpful and responsive mortgage team to get you across the finish line, Chris Davis and the team at Everbank are an excellent choice. My wife and I had a challenging 30 day close on a property we purchased on an online auction. The bank selling the property was difficult to deal with, bad at communication, and late Providing documents. Chris and the rest of the team at Everbank went above and beyond to close the deal, and kept a professional attitude throughout the process. I am not sure other banks would have been able to handle it, as it was pretty messy. If you expect excellent service, and need a team you can trust to perform even when the going gets tough, these are they guys you need. read more

Untrustworthy Lender - Our Experience with Chris We had a deeply disappointing experience working with Chris on our mortgage. Throughout the entire process, he repeatedly assured us that our loan was approved and our rate was locked in. Trusting his word, we moved forward with confidence -- including submitting our down payment. Every time we asked for reassurance, his response was the same: "You're in good hands." Then, on the day of closing -- the very day we were set to transfer the title -- Chris informed us that we would have to accept a significantly higher interest rate or lose the loan entirely. Left with no choice, we were forced to accept a rate of 7.37%. This kind of last-minute pressure tactic, after months of false assurances, is unacceptable. We trusted Chris with one of the biggest financial decisions of our lives, and he let us down completely. read more

Was in a multiple offer situation. The other offer was all cash but they liked us more but my clients did not have a pre approval in place without which Seller could not accept our offer........Chris performed miracles on a Friday at 5pm and we got the house!!!!! So a good honest expert and right here at the hub!!!! read more

This review is long overdue. Chris is clearly an expert at what he does. He helped me refinance a loan a few months ago. I was matched with him through a refinancing quote on Zillow. Chris messaged me on the same day and we started the process of shopping for quotes. He was prompt in his replies and thorough in guiding me every step of the way. We locked in a great quote. He was even able to beat a slightly better quote I received. Ultimately, I secured my loan through Chris and his team at Guaranteed Rate. I highly recommend them to anyone looking to refinance. read more

Chris was a remarkable partner throughout our home buying journey during unprecedented times. He moved fast and helped answer the non-stop questions over the last six months to ensure we felt comfortable and informed every step of the way. He ensured we got the lowest and most competitive rate. We are now homeowners in Marin and couldn't be more excited! read more

Chris provided transparent, stellar service and an amazing rate when we purchased our home several years ago. He impressed us so much that Chris was our first choice for a our new mortgage. Chris got us a great rate and his team was again efficient, timely, and kept us in the loop on status at all times. Chris, as before, was always available to answer any questions. I highly recommend Chris for your mortgage needs. read more

Chris and his team were very easy to work with, were straight and to the point, were there when we needed them, and helped get us closed in 21 days (I believe we were cleared to close 16 days after we made the offer). In addition, Chris offered us an incredible rate. We had shopped around a bit before speaking with Chris, and he was so much better to work with than some other lenders we had spoken to, and his rates were more competitive. I can't say enough good things about him and his team. Thank you Chris, Andrea, and Samantha for the great work you did for us. read more

Chris and his team are out of this world! After working with him for our condo purchase and refi in San Francisco, we leaned on him to advise us on a big home purchase in Burlingame. He kept me informed of everything I needed to make this happen. The market out here is very competitive and a lot of cash only deals, so we had to close quickly without any contingencies. We wrote multiple offers, hit snags, worked through it all quickly. Chris pushed the pedal to the medal and got us closed EARLY (read that, EARLY)! I highly, highly recommend his services. He is personable, efficient, and will get it done for a very competitive rate - the best out there! read more

Chris got us a great rate on our dream home in Ross! We really liked the ability to see him in-person in his local office. Buying a home and getting a loan can be a stressful process but Chris kept us from freaking out too much. He told us everything would be fine, and he kept his word and we closed escrow on-time! Thanks again Chris! read more

If it was possible to give them negative stars I would without even thinking twice. Are you looking to buy a home? Don't use this company. Are you a seller and your buyer is going to use this company? Don't hold your breath!!! It took WEEKS longer than we were told for Chris Davis and his pathetic excuse for a team to get THEIR paperwork in order to get to a closing day. Thanks to their massive lack of professionalism and just straight not knowing what the heck they're doing, another home was lost cause they GUARANTEED FOUR different closing dates. I would recommend a bum on the side of the road to lend you money before I'd EVER deal with this terrible company again. Do yourself a favor and do not use this sorry excuse for a company. read more

Chris was my lender for the duration of a two year home search. Yesm that's correct: two years! During this time, he wrote many, many offers for me, many times on short notice. He answered many questions. Net-net he was fantastic to work with, always there to answer questions and a trusted advisor in navigating what was at times a confusing process. In the end, I found a home and he was able to get me a great rate, very reasonable closing costs, and all of this in a very short timeframe. I recommend Chris enthusiastically, without hesitation. read more

The 5-star reviews are 100% deserved - Chris and his team (thanks Sue + Richard!) were fantastic to work with. We originally went with a different lender who was recommended to us and had a random + disastrous experience, then came to Chris in the 11th hour in the middle of our transaction. It was a scary time and not only did Chris save the day but he did so in record time and at a great rate. Everyone at Everbank was calm, friendly, organized, and very responsive - so important for such a stressful period for us and the sellers. If you have the chance, you need to meet his adorable dog too. :) read more

wow... nothing but 5-star reviews. our experience was the opposite. we were referred to chris by a financial advisor whose minimum portfolio size is $5m. he said that one of his clients had a good experience with chris. we began in early feb., with a target siging date of 5/3... the day after we would have had to pay a prepayment penalty on our existing loan. the 5/3 date and its significance were repeated many times. chris and chris said they had everything they needed from us way early in the process. we checked in about a week and half before 5/3 to make sure we were on track, and got no response to multiple emails and voicemails. after we raised the heat a little, chris finally got back to us and said he didn't realize that all those times we said we wanted to close on 5/3, we actually wanted to close on 5/3. hmmm.... he also said that he would get back to us with a revised schedule, and that there was a 'three day right of rescission' on the re-fi... meaning that it would be an additional three days after signing before it funded, and was then recorded the day after that. it took more followup on our part to get chris to come back with the new schedule: signing on wednesday, 5/8, and funding on thursday, 5/9. when we asked "but what about the three day right of rescission you mentioned?", he said he forgot, and revised the schedule to 'sign on wednesday, 5/8, and fund/record early the week of 5/13'. oops. when we told him we were unhappy (with how he had handled our re-fi, and missed a date that had been on the schedule for almost three months. and not responded to voicemails and emails) he responded that if we didn't like it, he would refund our appraisal fee and we could take our business elsewhere. smooth. we were too close to the finish line to not get across, even when the title company (i.e., NOT chris) informed us that there was a pre-payemnt penalty on the home equity line we were paying off and closing... the one we could have kept, and saved $500 by not closing, if chris had put a minimum of attention and professionalism into our re-fi. at the end of the day, we found chris unprofessional, unresponsive, and short-sighted. the financial advisor who recommended him was horrified, and will never recommend him again. we were horrified, and have shared our story with friends, fellow residents in our building, and, finally, yelp. if only there were more mortgage brokers from which to choose... oh, wait. there are. look elsewhere. read more

Chris gave us an amazing rate on our loan and pulled a lot of rabbits out of his hat to get things done. The closing cost was super low as well. It was so low that our agent thought it was impossible... There were a lot of nail biting moments and I think I lost a lot of hair throughout the closing process, lol, but he pulled it through on time. Considering how we had the Christmas & New Year holidays in between, he still managed to get us closed in 35 days. I did have to call him a lot and follow up, but I honestly can't complain, because he closed us on time, he was there when we needed him, and gave us the lowest rate in the country. I would absolutely 100% recommend him. read more

Chris Davis and his assistant Chris Babyak were extremely responsive to my dynamic needs for this new home purchase in Pleasanton. I also used Chris 4 years ago with a condo purchase in San Francisco, and then for many refinances along the way. I highly recommend Chris as an honest, responsive, direct, and trusted mortgage professional. read more

In one word super-friendly. Chris and his team are amazing. We had to close quickly in a situation that was less then normal. Through out the process Chris kept telling me that things were going to work out. I even called him up a couple of times when I was worried that things weren't going to work and he kept reassuring me that things were fine and he'd make it happen. Phone calls, emails and texts all returned quickly and friendly. I never hesitate to recommend Chris to my friends. In the end we ended up closing a few days early to my wife's delight! read more

I can't speak highly enough of chris and his team. When I asked my agent, susan van liere, to provide me with a list of lenders, she gave me a hefty one with a side note that chris always gave her the best rates. After a lot of research this proved to be the case. Chris went above and beyond to provide us with the best possible home buying experience. We were living with our inlaws at the time and he ensured that the deal was done as soon as possible. Even though it was the holidays, he made sure we closed within 3.5 weeks. I am very happy with the overall service provided by chris, Richard Llora and everbank. read more

Chris and his team made our lives so much easier before and during the closing of our perfect home. Chris wrote several offers on Saturdays, Sundays and holidays within minutes of our asking. Rain or shine. He lifted our spirits when we lost a great house due to an unethical seller's agent. And he was there to celebrate when we finally found our dream home. There was no hassle; we were able to lift loan contingencies exactly when we wanted and his rates beat everyone else's. He clearly wants what's best for his clients. His associate Chris B also helped a lot and made sure we were well informed of every step. What a team! Highly recommend them and have actually already recommended them to friends. Thanks, Team Chris!! read more

Chris and Chris get it done! Great service, and great rates. They were really helpful in navigating all of the paperwork. But let's call a spade a spade...if it doesn't make dollars then it doesn't make sense! We didn't even shop or try to push for a better rate - they just gave us a great rate because that's what they do. It was kind of weird because I almost felt like I was not being responsible for not grilling him..."is this the best you can do"...but he came highly recommended from our agent (who would not have vouched for him if he was not good), and we just went with it. No regrets. read more

I have worked with several mortgage brokers over the last 20 years. I found one ofthe best who retired a couple of years ago. This year when i needed to find a great broker again, I despaired of finding one as smart and flexible as my previous one. To my ongoing delight, I found Chris, who exceeded my expectations and even my hopes at every turn. He is smart, straight-forward and drives the process actively, while keeping everything very collegial. He also produced better terms than other brokers could. I am eager to do another transaction with Chris and his team. read more

I can highly recommend Chris and his team. They helped us navigate our first home loan for an on time close. Chris Davis is very knowledgeable about different lending products and finding the best product for his costumers. We talked to several lenders and choose him because he was the most helpful and easiest to work with. He helped us with letters for multiple offers and once we were in contract made the complicated process straightforward for us. When we hit a snag right before close Chris Davis personally moved mountains to make sure we closed on time. read more

Chris came highly recommended by both Yelp and our real estate agent, and rightfully so! He worked with us to finance our home purchase, and the process couldn't have been smoother (or the rate better). His rates are great. We were planning to use another broker but Chris offered that was so much lower the other broker actually recommended we make the switch as he couldn't compete. As for the process itself, Chris was always accessible and efficient. He's able to work in an all-electronic environment which meant we could get everything done as hassle-free as possible. He was always available by phone or email, including sometimes late in the evening when that worked best with my schedule. I'd highly recommend Chris for your home financing, you can't beat him. read more

I've worked with Chris Davis and his team on two real estate transactions now. Once as a buyer and once as a seller. Chris and his staff are seasoned pros at navigating the rough waters of Bay Area real estate, and I wouldn't hesitate to call them again if or when the time comes. Having purchased our "forever home" in the crazy market of summer 2014 with Chris' help, I knew I could count on him again when I recently sold a rental condo down in LA. In both transactions, Chris and his staff came through with around the clock service and competitive rates. Even when we hit potholes during the process, he works past them without missing a beat. When buying a home, it's imperative that you have a good mortgage broker on your team. With Chris Davis and Everbank, you'll have a great one. read more

We purchased our first home and started the process off with Chris. He came up with multiple scenarios and options that fit with our hopes. He made everything come together very fast and efficient and always answered any questions immediately. I have only great things to say about Chris and his team. Very professional and personable. I would highly recommend Chris and his team to anybody! Thanks Guaranteed Rate! Dean L read more

I had the opportunity to work with Chris Davis and his team on a recent real estate transaction. My clients needed someone experienced, friendly, efficient and ready to close the purchase of their condominium in South Beach in The City, with a loan they were happy with, excellent interest rate and the best terms. They found all of these attributes in Chris Davis and his team at PMA. I, as the buyer's agent, was very confident about Chris's quality of work right from the start. Professional, easy to reach, personable and true to his word. We were able to close the escrow on time and my clients are very happy with the whole process. I highly recommend Chris to any buyer and buyer's agent who want to have a smooth and successful Real Estate Transaction. Chris will have the best loan! read more

Wow, not sure where to start, but here goes...My wife and I were casually searching houses in Southern Marin on Zillow without being real serious. We saw one we really liked, checked it out one weeknight, and were referred to Chris as we mentioned to the listing agent that we didn't have agents of our own yet as we were just curiously looking. A day passed where we tried to decide if we were ready to take the next steps from Zillow hunters to homeowners (we didn't even know our credit scores). Having to move quick in the hot Marin market, I was an a$$ and called Chris at 5pm on a Friday evening. He not only picked up the phone during his commute, but was the nicest guy walking me thru the initial steps and financing options, making me feel comfortable with the process and working with him. He turned around multiple offer statements immediately and seamlessly picked up working with our agent. Once our offer was accepted, he worked multiple loan structures in parallel as we had a number of variables in play. He assisted us with getting things off our credit history and facilitated re-scoring which worked. He worked with my parents as a backup option to back us just in case we needed it. Very reachable and transparent...I had multiple convos with him on weekends around his kids sports games. His commitment to getting us across the finish line was unwavering, all along staying calm, positive, feeding next steps, and being a genuine partner in the crazy escrow process. When time was tight to close, he personally worked with the listing agent on our behalf and vouched for us to ensure we wouldn't have issues. We were absolute newbies in the crazy Bay Area house market, and would recommend Chris to anyone! read more

Through a very challenging of five offers, three acceptances and finally our forever home closing, Chris was our champion. He and his team worked tirelessly to help us through some tricky obstacles. I would recommend him and Everbank to anyone looking for a personal banker and loan rate that couldn't be beat by any of the big lenders. Thank you Chris, Sue and Richard for helping us with Happily Ever After!! read more

I have to agree with the majority of reviews so far. I found my experience smooth and relatively seamless (we were buying a house after all). Additionally Chris was able to lock into a really great rate for us. In fact at the closing, the gentleman helping us at the title company was surprised at our rate and said that the majority of homes closing at that time had rates .25 to .5 percent higher! Timing was also great from Chris. Chris even called me while on vacation to ensure that things were pushed through for a quick turn around and on time close.. read more

I have worked with Chris on two transactions and my experience with Chris has been nothing but just spectacular! He is very detail oriented, always pro-active and has a great positive attitude. Chris is very mindful of the timelines and will go out of his way to make you feel comfortable with the deadlines of closing escrow. He not only offered highly competitive and excellent rates but also was flexible enough for a short closing timeline. I have to mention that in my last transaction, there were some big issues like changing jobs in the middle of closing and Chris, himself had personal family matters to deal with, but regardless of all that, Chris made sure to setup his team, keep the communication going and close the deal within the necessary timeline. If ever again, I have to look for a broker, I know Chris is my go-to guy. Highly recommend Chris and his awesome team! read more

Chris helped us close on a house in 21 days - this despite the fact the industry had just moved to a new longer disclosure period that was holding up some loans. He was super responsive and walked us through the entire loan process. He got us a great rate and saved us money on closing costs to boot. We were first-time buyers and found the loan process pretty stressful! But Chris kept assuring us it would all work out, even when we had to turn in lots of paperwork to prove my self-employment income and ran into a few other delays. Chris spoke to the seller of the house we bid on, in the very competitive market of Mill Valley, and vouched for us, assuring them we could close in 21 days. That call helped us win the house! So all in all, I would highly recommend Chris and his team. read more

I can't say enough positive things about Chris Davis and his team. After being affected by the fires in Sonoma County my new husband and I decided to take a leap of faith and start a new life in Sedona, AZ. We found a great home and started to figure out what we needed to do next. This was a bit of a challenging and time crunching circumstance to say the least.... My Mom works in the Bay Area in Real Estate and connected us with Chris. To make this a little bit more interesting my in-laws who live on the East Coast would be co-signing with us on the loan. So we had 3 different time zones working together to close in 30 days, dot all of our i's and cross our t's... and over the Christmas holiday!! Chris and his team were AMAZING! They were knowledgeable, made us feel comfortable with every deadline and were always available if we had any questions... And, we did it! I felt like we had a whole team of helpers rooting us through to the finish line. I will recommend Chris Davis to anyone who needs a loan and some motivated helpers. Thank you so much, Guaranteed Rate!! read more

Getting a mortgage thru Chris Davis and Everbank was a horrible experience. I am an elderly woman on a fixed income. I was buying a condo, which should have been pretty straight forward since my credit is excellent. After telling me there were no problems and the loan had gone to final approval, Mr. Davis called to tell me that the 30 yr Fixed loan could not be funded because there were too many renters in the condo complex - SOMETHING HE SHOULD HAVE CHECKED ON IN THE BEGINNING. I was forced to take an adjustable loan since it was so late in the process. Mr Davis was rude, sent an insulting email about me to his coworker (which was forwarded to me accidentally), lied, didn't return calls, etc. Wish I could give him zero stars. read more

Chris and Chris got me an incredible rate and helped close an exceedingly complex transaction. My situation involved a number of unusual factors and they made it through every hurdle--I would highly recommend them! read more

Chris and his team were such a pleasure to work with. We had to move very fast to present a competitive offer in a very hot market and Chris responded immediately to my call (on a weekend), to help strategize best approach. Chris and his team were in touch daily throughout the process to make sure we had what we needed along the way, and we closed on time in just 21 days, with a great rate. We definitely wouldn't have gotten this home without them, and we're thrilled. read more

We have bought and sold several properties in the last 20 years and financed them through traditional banks and mortgage brokers. Chris Davis is the first lender to completely exceed all of our expectations - at every level. From the first call to the days after the closing, Chris and his associate (Chris B.) were one step ahead of me. They could not have been more responsive. When we needed a pre-approval letter for our first offer, Chris provided our realtor the exact letter that she needed within 15 minutes of making the request - and, on a weekend. When we lost that house to another buyer, Chris sent us several encouraging e-mails, reminding us that a better house is out there. When we found the best house for us, Chris worked with our realtor to get a pre-approval letter to the sellers within 15 minutes of our request (again, on a Sunday). He and Chris B. stayed on top of every detail - from their internal bank requirements to the escrow company's requests. They were so good that our loan was funded 3 days before closing! Most importantly, Chris's rates were beyond competitive. We have had a long-term relationship with another bank - including substantial investments - and, Chris easily beat their best rate on our jumbo mortgage by 3/4ths of a point! His rates are very low and very real. He even lowered our locked-in rate right before closing when the rate had dropped another 1/8th of a point - saved us another $40,000 over the life of the loan! I have to say that the best part about working with Chris is that he and Chris B. are very friendly, professional and truly care about providing the highest quality customer service possible to their clients. Finally, I must mention that throughout the last 45 days, as we moved toward closing, we heard, over and over, from our relator and the escrow company, how lucky we were to have chosen Chris to handle our loan. Everyone who he interacted with on our transaction had a great experience. He made their jobs easier and they all greatly appreciated his efforts. In the end, we benefitted because everything came together smoothly, quickly and without a hitch. We will definitely recommend Chris to all of our friends, colleagues and families who need a first mortgage or refinancing. read more