Mary is one of the nicest people I've met in the world of business. She works hard, is very…read moreattentive to what you need and very honest. I really appreciate her dedication to her work and community. An all around wonderful person. I highly recommend her as a mortgage broker!

It had been a long time since we bought a home. We were under a 30days time crunch and our credit…read moreunion failed to help. My father-n-law who lives in another city walked in to a local office and got us her number. I called Mary Russell right away & laid out the scenario. She was attentive, reassuring and very welcoming. I worked with her for the next 40 or so days to close the purchase of our home. Working full time, coaching little league and buying a home would be stressfull but w/Mary by our sides the entire experience was wonderful!!!! We cannot wait to do it again. Thank you so very much Mary R.

Just had the pleasure of working with Victor at this company Santa Cruz lending group, the guy name…read morewas Victor Romero. It was an awesome and informative meeting. I really enjoyed working with this guy very professional and very helpful. I suggest if you need information returning to property lending, you look him up this guy is great

My husband and I were first time home buyers so we really didn't know what to expect let alone do…read morein this process. Jessie was incredible to say the least! We closed in 16 days and every step of the way was seamless and easy. She made our lives so much easier in this process, I would never buy another house without her!

As first time home buyers, the sheer idea of buying a house can be overwhelming. From day 1, Matt…read moreand his team were patient, thorough more than willing to help answer (and re-answer) all our novice questions. We left Matt's office confident that if/when we bought a home, O2 would be our lender. Then we found a house... It was a brand new build in Hollister, CA. The builder makes it seem like going with their lender is the only logical, economical choice because of the "credit" they give you towards your closing costs. Needless to say, we drank the kool-aid and signed on the (many) dotted lines. Matt was understanding and even offered to be a second pair of eyes if anything about the contract was confusing. What a guy! Fast forward 6.5 months, we are about to close, and I reach out to Matt jusssttt to make sure we're actually getting a decent deal. THIS CALL SAVED US $100,000. As it turns out, O2's rates were better, their fees were lower and the "credit" we thought we were getting is immediately erased by a fee they charge, so it's a total wash. Matt and his team worked round the clock to make sure we were still able to close on time, which we did. They were prompt, considerate and meticulous. My only regret is not going back to Matt and his team sooner. Whether you are a first-timer like us, or a seasoned home buyer, we HIGHLY RECOMMEND Matt Falconer, Danny Schaezlein and the team at 02 Mortgage. We are life-long customers!

Matt helped make the most important (and what I thought would be the most complicated) purchase of…read moremy life easy and stress-free. Anything I was worried or confused about was resolved with efficiency and care. Thank you Matt : )

Karma Mortgage made my complex refinance so easy, seamless and pleasant. José responded to my…read morequestions quickly, day or night, and he explained the process in a way I could understand. He got me an amazing rate (as good as the big loan companies) plus, I got personalized service that I would never have received with one of those huge loan corporations. Best of all, he's practically my neighbor. Here's to keeping it local. Thanks, Karma Mortgage!

I recently purchased a home in Aptos using VA financing. For the longest time, the VA benefit was…read moreuseless because of the buyers market and the multiple qualified offers that were on the table. Jose knew how to process the VA loan and worked closely with my Agent, the Buyer's Agent, the Escrow Agent and the lender to get the financing. Jose was able to qualify me for the loan, locked in a loan at a very favorable rate, and took steps to process the loan so that I got the favorable rate. Thanks Jose!

Jim, Christy, Amie and the rest of the team at Pacific Inland Home Mortgage just finished my 2nd…read morerefi in 2 years and they are awesome! Jim and crew go above and beyond to get stuff done that most lenders can't or won't do... Awesome job guys and I highly recommend them for anyone doing a refinance or purchase.

Jim said the right things but did not follow through. My son got all his information in to Pacific…read more Inland as requested then after weeks of waiting for his refi found out that Jim had done nothing. Lots of excuses, "software glitch", he just abandoned him. Would never trust Jim Chubb with your finances. POOR service.

I was a first-time homebuyer and very nervous about the process from hearing horror stories from…read morefriends and from online research. Jim and team did an amazing job! Jim was always available to answer my questions. Chaz provided a very clear list of needs so there was zero back-and-forth. On my side, the process felt very easy and streamlined. I really have no idea what was involved on the backend, Jim worked directly with my realtor, and basically I said "I want this" and they made it happen in record time. This team knows what they are doing and provided the ultimate support along the way.

I worked with Jim on a recent a bridge loan, to help secure financing for a Property in Big Sur. He…read moredelivered on time, and did a great job. He kept me abreast of things in real time, and was very quick to respond to my emails and texts. I highly recommend him, and look forward to working with him again.

My wife and I recently worked with BB Financial Solutions for a home renovation loan, and we had an…read moreoutstanding experience from start to finish. Brett was incredibly helpful, proactive, and communicative every step of the way. He kept a close eye on interest rates for us over the course of a couple of months leading up to signing, making sure we were in the best possible position. That level of attention and care really stood out. Beyond his professionalism, Brett is also a genuinely friendly and trusted member of the community, which made the entire process feel even more comfortable and personal. We're very grateful for his support and guidance throughout this process and truly couldn't recommend him more highly.

When we were looking to refinance for the first time we had a lot of questions and several…read moreindividuals we reached out to didn't really have the space or time to give us the thorough information we were looking for. Brett, however, went above and beyond to answer our questions and bring to light some options and things we hadn't considered. He was detailed, on top of things, and an incredibly thorough communicator. We could not have asked for a better mortgage broker. Even if you aren't looking to make a change just yet, he's an incredibly valuable resource!

Monica Bowman is amazing! She is your go to person to start your homebuying process. Monica knows…read morethe loan process in and out, and she took the time to help me gather all of my paperwork and help analyze my finances. Monica truly has your best interest in mind.

Amazing lender. Has done 2 mortgages and a refi for us and always goes above and beyond the line of…read moreduty. Monica is an absolute expert in finding the right rate and gettin tough paperwork over the line to make sure you get what you need on time.

We just stayed with Bailey Vacation rentals in Rio Del Mar. Their simply the best. Lisa in the…read moreoffice really took care of us. The place was clean and ready. Great location. They have great recommendations on places to eat just really great service.

I can't tell you how every time I go into the burger barn on the corner of Forest and Winchester to…read morehave either breakfast or lunch how I thoroughly enjoy it. Always greeted by super nice people. The food is great quickly served and delicious and extremely reasonable. I hope it's there forever.