victor with JVM lending was so effective with his communication during the entire process of…read morepurchasing my first home. he ensured all of my questions were answered and was able to complete the closing process with a very quick turnaround and very competitive offers for lending options. highly recommend him and his team!

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.

I worked with Mike and Andrew on a complex refinance that allowed me to become the sole owner of…read morethe San Francisco home I've loved for more than 15 years. The transaction involved a number of moving parts, including a co-owner buyout and my transition from salaried employment to self-employment. Mike and Andrew were excellent throughout the process. They were responsive, patient, thorough, and calm, even when there were tight deadlines and a lot of documents and logistics to coordinate. They understood that this was more than a standard refinance and treated the transaction with real care. I always felt that they were working hard behind the scenes to keep everything moving and make sure the loan closed on time. They made a complicated and emotional process feel manageable. I'm extremely grateful to both of them and wouldn't hesitate to recommend their team to anyone looking for a lender who can handle a more complex situation with professionalism, persistence, and genuine care.

Mike was incredibly helpful and knowledgeable - would highly recommend him for your lending needs.read more

Jay was excellent in helping us with a no cost refinance at the best rate possible!…read more He was proactive in reaching out to inform me of any favorable rate changes and was even able to help me float down the rate AFTER rate lock when I noticed there was a sudden big rate drop before we closed on the refinance. He was on top of things and communicative thought out the entire loan process. I would highly recommend him to any family or friends and would definitely goto him again for any mortgage loan needs!

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!

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.

If I could give Jeanine more than five stars, I would…read more Buying my first home at 63 years old after a lifetime of renting felt exciting, overwhelming, and at times downright terrifying. From the very beginning, Jeanine was so much more than a mortgage broker, she became a trusted guide through every step of the process. No question was ever too small. She patiently explained things I didn't understand, kept me informed every step of the way, and somehow made a very complex process feel manageable and even possible. Whenever a new document, underwriting request, insurance issue, or unexpected question came up, Jeanine was there with calm reassurance, knowledge, and practical solutions. What impressed me most was how deeply she cared. I never felt like just another client. She worked tirelessly behind the scenes, coordinated with my realtor, escrow, insurance broker, and lender, and always had my best interests at heart. I truly not only felt, but knew she was advocating for me throughout the entire process. Thanks to Jeanine, I am now the proud owner of my very first home. Looking back, I honestly don't know how I could have navigated this journey without her expertise, patience, encouragement, and unwavering support. If you're looking for someone who is knowledgeable, responsive, compassionate, and willing to go far above and beyond, I recommend Jeanine without hesitation. She helped make one of the biggest dreams of my life come true, and I will always be grateful.

Jeanine is the best! There couldn't have been an easier, informative, or blissful home buying…read moreexperience. Me and my husband reached out to Jeanine because I had known she came highly recommended on Facebook by Solano County community pages over the past years and knew she would be our go to mortgage broker when the time came. Thankfully she was easy to book a phone call with, and we started the process right away. We knew nothing about the VA loan when we first started looking into home buying, but Jeanine was so well informed about it that she answered all of our questions with ease. There was never a time we reached out to her that she wasn't readily available via text or phone call, so we highly trusted her to get the job time quickly. Even after closing, she remained in touch and let us know to reach out to her any time with any questions. She really is there for you your whole homebuying experience and after. I highly recommend Jeanine to anyone and everyone!

Ellice and Brent are our one and only Go To for everything mortgage. It's been this way for more…read morethan 20 years now. We just closed on a purchase in a very hot and competitive market. They were consultative and helped us strategize on this transaction and we highly recommend them.

Greg and Brent worked diligently to close my purchase loan. They were very professional and really…read moremade me feel like a valued client. The process was smooth and quick. I highly recommend them for your mortgage needs.

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.

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 hired Brady and his team through a trusted referral source and I'm so glad I did! My initial…read moremeeting was with Brady remotely and it was extremely satisfying as I laid out my goals and financial situation and received guidance as to how I could achieve these goals. As the process unfolded I was in communication with him and members of his team who were very knowledgeable and clear and any questions I had were answered in a timely manner. I am very happy with the result. At closing they donated a certain amount of money to the charitable organization of my choice which was a sweet surprise! I feel very grateful to have had such a positive experience!

I was recommended LaSalle's services from my realtor and this was hands down the best (and easiest)…read moredecision I had to make through my home buying journey. I had spoken to a couple of lenders, brokers and banks earlier but Brady was consistently thoughtful and honest when I asked him all my newbie questions and a couple of tricky ones. Laura was my loan officer and she was super efficient, addressed a couple of small issues with the lender and was very communicative. I hope I don't have to take too many loans the size of the one Brady's team got me, but if I do, I'll be going right back to LaSalle! Make sure to follow him on IG for some great content too!

At this point, I've lost counted how many times we have used Mike and this team with our mortgage…read moreand refinance needs (four times? Five?) But all that speaks to is the main reason why we keep coming back to them: their thoroughness, communication and genuine sincerity to always get us exactly what we need every single time. We cannot recommend Mike and his crew at Bridgepoint any higher!

Mike and his team are extremely caring and very efficient. I have been working with Mike for about…read more7 years. The amount of knowledge that he brings to the home buying experience is priceless. At every step of the way, I felt that he was advocating for me. He makes home buying fun!