5 stars all the way! I don't normally write reviews, but the awesome experience with Mike, Andrew,…read moreand the rest of the PRMI team inspired me to share this. I had a ton of questions going into my mortgage and they explained everything in plain English. The team made sure I actually understood what was going on throughout the lending process. Mike and his team are super responsive and thoughtful. They truly went above and beyond, and made it possible to even close a week ahead of schedule, which was great for me and the sellers. Truly impressive. I highly recommend Mike and his team and very much look forward to working with them for my other mortgage needs.

Mike was exceptional in helping my buyer which had a below 600 credit score and qualify for a FHA…read moreLoan.. He delivered on time and made it a smooth experience for all involved.. Go to Mike to get it done.

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.

I've worked with Risha for well over a decade across multiple transactions, and every single one…read morehas closed successfully within the original timeline--often even earlier when needed. She leads an honest, dependable team that is always easy for me to reach and consistently delivers exceptional service. Whenever family or friends ask for recommendations on residential loans, there is only one name I give: Risha. Thank you to Risha and her team for the most recent transaction that closed in April 2026. I look forward to working together again in the near future.

This team is the best! I was about 3 weeks from my closing date when I switched to OrigninPoint at…read morethe last minute. The other lender was slow and expensive. OriginPoint was always considerate, helpful, quick to respond, and I really felt they were on my side every step of the way. We closed slightly early and they got me the best possible deal. If you are looking for a healthy mortgage, or if you are a veteran looking at navigating the VA Home Loan, I cannot recommend anyone better than OriginPoint!

I got a jumbo home loan through SFFCU. Would highly recommend!…read more My previous lender was botching my house close. Pretty much everything that could go wrong was going wrong - increasing costs, a surprise demand 1 week before close that I rent my current home out with a lease & a paid deposit, and denial of part of my income a few days before close. It felt like it was falling apart - it was messy on the lender's part, and stressful for me. I didn't want to continue - I negotiated an extension with seller, and then switched over to SFFCU. What a night & day difference! The team listened carefully to the situation, was clear up front with all requirements & potential underwriting risks, and we discussed how we could mitigate. What was great was they were able to talk to underwriter and get high level alignment up front to reduce uncertainty. Once I switched over, they swiftly got to work. Early on, they proactively called me and told me when rates were decreasing, and when rates were going to increase and I should lock in. I also had access to 3 different people on the team (Tim, Jazmin, and Tina) who all played a part, and depending on what was needed, I could easily get a hold of any of them with a quick call. Overall it was a smooth close process, and with the best rates I could find on the market.

My experience as a 13 year customer of SFFCU is the worst customer service and overall banking…read moreexperience I've had in my life, and my family lost our house in the '08 recession! Three months ago I was scammed via email phishing/spoof website while trying to sell a piece of clothing online for the first time. I have already been through the denial and appeal process twice. SFFCU refuses to give me the $2000 I lost due to fraud, which under federal law (EFTA Reg E), states that a transaction is unauthorized if it is the result of fraud- "Access device obtained through robbery or fraud. An unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery." 12 CFR § 1005.2(m)(3) Don't try to get in contact with their card dispute department, they ignore your calls and emails for weeks. Even if you do send them information supporting your case, they'll neglect to add it to your file. I've filed a police report, a complaint with the FTC, and if it's denied for a third time, will be filing with CFPB. I was under the impression that credit unions are customer focused, but you're better off with a large bank than a small one that will try every trick in the book to insure that they don't have to help you.

I've purchased two homes with Carlyle financial. The first was a triplex investment. I was told…read moreby multiple people that myself and my mom couldn't get a loan on a $1.6 million investment unless we put down 40%. Robert was the only person who was able to find us a loan and not only that, got it for about 1% less than we were expecting with putting down 30%. Because of this, when I moved I went immediately to Carlyle. I was able to get a loan quickly and their method of dragging files into a website was sooooo much easier than emailing them all as I have had to do in the past. I couldn't recommend them more.

Robert Cohan and his team really delivered, solving a difficult mortgage scenario for us and on a…read moremulti-million mortgage, on-time. I hardly write Yelp reviews but would like to express our thanks to this team for a job well done. We corresponded with a few conventional and well-known lenders, including of course our prior lender. We worked with them for several weeks, providing all our financial documents on-time and in detail. Those lenders led us on, saying 'no problems, no problems', until just about closing where they said 'yes, we can do it but the interest rate is much higher or we need this amount of cash etc'. In contrast, Robert delivered exactly as he promised verbally and above and beyond his services, and professionally. He is our go-to person now for all mortgages or refinances, big and small. His rates and services are very reasonable. Highly recommended!

Two years in and Sterling remains as frustrating as it was at the outset. The online banking…read moreinterface doesn't work. It's impossible to get someone on the phone. So you have to go into the bank - it's 2022, who goes into the bank to perform a basic transaction? It's such a timesuck. They're nice enough in the bank, but the whole thing is ridiculous. If the website would just work, and someone would answer the phone when you call (or return messages), it'd be so much easier. I just want to share my journey to getting online access to *my money*. - tried online; said I needed to reset my password, but no link arrived - called the branch; given another phone number; no answer at that number; left a message; no return call - went into a branch; told my online account no longer active, but that I could open a new one online - tried to open a new online account; system says that an account with that email already exists; when I try to get the password, I get an error message - I call the branch again; given another phone number - I call that phone number; the person asks me for a bunch of information, then gives me my login and a temporary password (totally contradicting the information from the guy at the branch yesterday, but ok)

Great for TIC home refinancing. I've gone through this a few times now with Sterling since rates…read morekeep coming down. It can be a little tricky to get things started, getting the latest rates, etc. But one you get assiged to a loan consultant they're great. Local bank service and feel. Had an absolutely fantastic experience working with Tiffany Deng. Ridiculously resonsive and helpful. Also good that Sterling always seems to have the best rates for TICs, including cash-out refinances.

We took out a mortgage for our vacation home in 2015. Never a late payment for all nine years…read more October and November payments were not being processed by Fremont for 12-15 days. They blamed USPS and pushed their "Auto Pay" online system. Decembers payment took 24 days for FREMONT BANK to process. Again, they blamed USPS. We actually called and made a phone payment mid month, paid to place a stop payment on the off chance the payment was actually lost. February 5th, yesterday, we received a nasty letter from Fremont Bank admonishing us for not being honorable credit risks. Once again they blamed USPS...their letter arrived at our address in FIVE days. We are paying of this loan off next month to protect our credit. Borrowers beware. This institution does not care about it's customers.

With Fremont Bank, we have had the best possible lending experience. My husband and I applied for a…read moreHome Equity Loan. Can you believe we've got a loan in 10 days! That is awesome or what?!! Everything went smoothly, starting from the beginning of completing the application! Mike, you have the most excellent people like Revelina Velasco, Jorge Mallque and Daphne Gonzalez working alongside you! They were exceptional, with them you can make a difference. We chose Fremont Bank over 2 other lenders after talking to Michael Delucia on the phone. He assured me that his team is the # 1, indeed, Michael was not wrong Revy, Jorge, Daphne YOU ROCK! Your constant follow-ups, your perceptions changed our hesitated/confused minds (because of the interest rate increase we were going to cancel the application). You all made this happen. I will surely spread the word about you, Fremont Bank! Thank you!

Simon Cheng just handled another mortgage transaction for us…read moreSimon was tenacious in getting our best terms, fully explaining the terms/conditions, and working this complicated transaction We have known and used Simon for many years and at least five financings Highly recommended

We were looking to buy our first home and decided to work with Jay from First Capital Group…read more Jay was very communicative and quick to respond to all our questions. He was consistently available whenever we reached out. There was no hidden fees or any pressure from Jay. Instead Jay went through our financials in detail and got us the best deal! Closing was hassle free and super quick. We highly recommend Jay to anyone and everyone. Thank you Jay for your  assistance and service!

Working with Alexandra was an excellent experience from start to finish. She was incredibly…read moreknowledgeable about the entire rental process and truly understood all the details involved. Her expertise made a big difference in ensuring everything was handled correctly and efficiently. What stood out most was how smooth and stress-free she made the whole process feel. She was organized, proactive, and always one step ahead, making sure everything was in place and nothing was overlooked. Communication was clear and timely, which gave me a lot of confidence throughout. I'm very grateful for her support and professionalism, and I would highly recommend her to anyone looking for a reliable and skilled realtor.

We're so happy Alexandra was the one who helped us through the process. The application and move-in…read morecouldn't have gone more smoothly. She was incredibly helpful, maintained great communication with us, and guided us every step of the way. Thank you, Alexandra, for helping us get into our new home! Shoutout to Joseph who was always available for us.

Sean Arechiga was amazing ! Great company and best rate I could find…read more I was shopping for weeks. They somehow made it happen.

Terrible service. This is a brokerage with no office. I am from the Bay Area, the broker that I…read moreworked with is in Florida. Sending wrong estimates to me, when I figured out, they refused to correct. Always asking for extra out-of-pocket expense but claiming every penny with be covered by the mortgage. Terrible service and terrible people.