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.

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!

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 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.

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.

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.

This has been the worst experience I've had moving into a house in Santa Cruz in my 24 years of…read moreliving in this town. Beware of this company, they do not take care of their tenants, or do their job, which in it's most basic form would be to make sure the house is ready to be moved into on the agreed upon move-in date. I feel like I've been fighting with property management since the day I moved in a month ago, and it will probably take another month of back and forth ridiculous communication before I get all the things I paid $11k for to be done before the agreed upon move-in date. Here is a list of things I've dealt with, I am leaving them here so that others know what to look out for. The entire house was filthy on move in day, had not been professional cleaned for a move-in. It still has not, over a month later, partially due to them not getting communication right with the cleaners they finally sent, partially due to me being busy and out of town and not having the time to deal with it. They did illegally send cleaners into my home without my permission while I was on a trip, and still not clean. The landlord had agreed to moved out a bunch of his old furniture to make space for my stuff, and half of what was agreed upon to get moved was still in the house on Nov 1st. I moved it to the deck, for him to come and get, then told property management to get a tarp to cover it, so it would not get rained on. They never took care of the tarp, so it did rain on the furniture, one night I had to dragged mattresses into the house by myself. I went out and bought a trap the next day and they are now refusing to reimburse me for the tarp. The house was advertised with a hot tub, and it is broken, come to find out it has not been turned on for 2 years, which PM did not know, but the landlord did know. They put in the lease, that if the hot tub breaks down while I'm here they would not replace, but that was based on the fact that it worked to begin with. Then they said they would take $50 off the rent for each month the hot tub is not working, and when it came time to deduct that from rent they said "that is only if we can't get the hot tub working at all." (They are currently trying to get it working - so fingers crossed the can deliver on something they promised up front). The hot tub cover that was left behind, and the condition was disgusting, they said it was ready to use, though it is covered in black mold, slugs, and water is soooo dirty. There has been a dead rat under the house with rat droppings for this entire first month, and the landlord has stuffed old boogie boards on top of it twice, despite my request to take away the boards, which are mostly garbage. They left several large pieces of furniture for me to "deal with" after saying the landlord would be happy to take anything away I did not want to keep. cupboard drawers broken, closet floors need a carpenter to fix random floor boards, shower drain clogged. I am not going to get detailed about everything that has been out of integrity, but I'll close by saying, if you do rent a house from this PM be sure to go there a few days before your move in date and make sure you are getting your moneys worth and that the place is actually ready to move into. I like the house and the location, and I'm a really easy going person and fantastic tenant - worked with Portola PM for 13 years, no issues - so it's really been unfortunate to have this completely unnecessary experience, because it's tainted my view of the house, and left me questioning keeping it. My hope is that I can get everything worked out in my second month here and stay. And hopefully get to a place where I can stop communicating with PM about the house, they have been frustrating and terrible communicators. We shall see.....