Dave & Jesse are the ultimate professionals. I used PCMC at the recommendation of my sister who did…read moretwo mortgages with them and could not be more satisfied. They went out of their way to answer any and all questions I had and even spent extra time teaching and coaching me through so many things I had never experienced before. Even my realtor who wanted me to work with her partners was extremely impressed and said she will be referring new clients to PCMC. I will be recommending this company to anyone in need of a mortgage.

David recently helped my husband and I with a home loan. Our case was a bit complicated but David…read moremade it pain free. He did an amazing job keeping us informed & he was always on top of things. I highly recommend David & PCM. I don't think there is a better company out there.

As first time home buyers, we were very unfamiliar with the process, so we reached out to Amanda at…read moreGolden Eagle - she is absolutely the best and I could not recommend her more highly. We could immediately tell from the first conversation that we were in incredibly knowledgable hands, and she was warm, communicative, and helpful throughout our process. Not only did she do all of her due diligence to find us the most competitive rate for our situation, she took the time to understand us as individuals, and worked with our realtor to set us up for success. She really instilled the confidence in us that we needed to make this huge life decision. We highly recommend Amanda and the Golden Eagle Mortgage Group for your mortgage needs!!

Golden Eagle mortgage has handled our transactions for the last 11 years that we've known them. The…read moreservice they provide is absolutely incredible from the start of meeting them till the end of the transaction. It couldn't have gone any smoother on the mortgages that we have done with them over the years when buying and refinancing the homes that we've owned. The one thing that I absolutely love is the professionalism and service that everyone in the office gives their clients. I have recommended all my family and friends to them and not only have they given me the best service. They've also given my family and friends the best service. Everyone in the office is so incredibly nice and courteous. They definitely put their clients above themselves! If you aren't using Pauline and her staff then you are missing out on a fantastic experience when buying a refinancing a home. They value their customers 100%. Pauline and her staff have not only become friends but they have become our family. Thank you for all the hard work that you guys have always done on every one of our transactions. We love you guys.

From initial inquiry to final close of escrow, Dave and his team were there to support us on the…read more15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team!

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I…read morewould have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez

Working with JVM lending has been a real pleasure, and I cannot thank Victor Flynn and his team…read moreenough for assisting me in this process. This is the 2nd time I have used JVM, and they have provided top-notch service throughout. I would like to give a special call-out to Victor Flynn. In this 2nd time working with JVM, I told Victor that his speediness in my first transaction 3 1/2 years ago made me realize that he was "in like Flynn"--in that he was right on top of getting things moving from the very first day after I had contacted him regarding my mortgage needs. Victor's explanation of my various options this time around was presented in a totally clear manner, and he and his team were available to assist me at all times. I also really appreciate the fact that there was no pressure upon me, as I was not ready to get the move going for 6-9 months after my initial conversation with Victor this time around, and other than 1 or 2 check-in emails from him, there was absolutely no high sales pitch from them, and no "push" or fear tactics regarding the market. I highly recommend Victor and JVM team for anyone who is planning on selling and/or buying a home in the Bay Area. I have no hesitation in giving Victor and his team a 5-star recommendation.

Heidi and Mary did an outstanding job helping us get our home loan funded. It was super easy to get…read moreall the paperwork requested. Both were always available and super responsive. Thank you ladies!!

Nhan and his team are absolutely amazing to work with -- truly the best in the business! They are…read morehighly knowledgeable, experienced, and take the time to patiently answer all of my questions while walking me through every step of the process, from refinancing to cash-out to new loans. I've worked with Nhan on multiple transactions, and every time they deliver with record speed -- closing in as little as 18 days! If you want a smooth, stress-free loan process with a team you can trust, Nhan is the one to call.

Nhan Cao is an incredible mortgage broker! He made the impossible happen and got my loan approved…read moreand closed while I was literally in the hospital about to give birth. We officially closed on our house the same day my baby was born. Talk about stress-free and reliable! Nhan was professional, responsive, and on top of every detail. I couldn't have asked for a better experience and highly recommend him to anyone looking for a smooth and trustworthy mortgage process. Will be referring him to everyone!

I have worked with Tanya Price on a number of occasions and she is a true professional. She takes…read morethe time to ensure that her clients understand the process of closing on a mortgage and is always willing to explain things until the client is comfortable. Patient, kind and understanding- Tanya is exactly the type of person you want working on your behalf.

Misty and Shelly were a pleasure to work with. My wife and…read moreI were referred to Guild Morgan Hill by the CalFHA program since this was our first home purchase. The process was smooth and easy. All our questions were answered in a timely manner and any confusion was clarified. We couldn't have been happier working with Misty and Shelly. They were a great team and super helpful. They explained the steps and process and assisted us in the paperwork and negotiation process. Misty was super fast during the negotiation time. We were able to counteroffer within an hour or so. Through their fast turn around at Guild we closed on time and got our keys within the projected time frame! Thank you Misty and Shelly!!

Lacey helped us with our loan process and overall it felt smooth, stress-free, and efficient. We…read moreare first time home buyers, and we've heard horror stories about people being overbid, loan rates being astronomical, and things being found in homes after closing. I feel bad, and hope this doesn't come across as bragging, but we gratefully didn't experience any of that. Its because of people like Lacey, who know what they are doing, have our backs when it comes to options, and just helps us every step of the way, it made our home buying experience enjoyable, and we love our place. Will we use Lacey in the future? Absolutely!! Without hesitation, if and when the opportunity presents itself to buy a 2nd home or refinance, she'll definitely be the first person we contact for help. Thanks for all you do and continue the amazing work!

Lacey is a true professional and just a great person in general. As a real estate agent, I see…read morefirst hand which mortgage loan officers truly put in the work to make things happen and she is one of them! When it came time for my fiancé and I to purchase a home for ourselves she was the obvious choice for our mortgage needs. She's been doing this in our area long enough that when we submitted our offer the listing agent already knew her and knew she'd get the job done which was one of the reasons we got our home. Super responsive, can close quickly, and offers competitive rates. I now recommend her to all of my clients. Thank you Lacey!

Tuan and Mike at Providential Mortgage made buying our first home an exceptional experience. From…read moreday one, their communication was outstanding they walked us through every step of the process, set clear expectations, and kept us fully in the loop throughout. The close was quick and smooth, which was a huge relief as first-time buyers navigating a lot of unknowns. What stood out most was how thorough and patient they were in explaining everything. We never felt left in the dark or rushed. That kind of transparency and professionalism is hard to come by. We will absolutely be working with Tuan and Mike again for any future mortgage needs and won't hesitate to refer them to friends and family. Highly recommend.

After speaking with a few lenders, I reached out to Providential and it was immediately clear that…read moreTuan and his team operate on a completely different level. Everything was professional and above board, but his experience and guidance made the process feel far more approachable and comfortable than I expected as a first-time buyer. He offered thoughtful insight into the nuances of the process, communicated clearly and consistently, and helped me understand what really mattered at each step. Both my agent and the seller's agent were impressed, and we were able to get our offer accepted on the first home we pursued. Once you speak with Tuan, the difference is obvious. Highly recommend.

We just closed and funded on our latest deal today, and I want to take a moment to recognize Esther…read moreand her team for an exceptional job. In this business, execution and timing are everything--Esther and Paul delivered on both at a very high level. From initial structuring through funding, the process was handled with precision. Communication was clear and efficient, expectations were managed properly, and any complexities were addressed proactively without slowing down the timeline. That level of control over a transaction is not easy to find. What stood out most was the ability to navigate the deal strategically while keeping everything moving forward. For anyone operating in real estate investment or development, having a lending partner you can rely on is critical. Esther and Paul has proven to be exactly that. Looking forward to doing more deals together.

Esther and her team are amazing! We got a terrific rate and closed on our home a few days ago…read moreafter 5 years on/off trying. Essentially we worked with Team Esther 3 times, because after failing to buy a home and taking a break, each time the financials would have to be reprocessed given our life changes. But we stayed with them and they stayed with us, always with an open door and a welcome back. I can say from time tested experience how consistently reliable, accessible, and knowledgeable they are! Would highly recommend.