Best mortgage person in the Bay…read more Jay was incredible to work with, helped us close lightning fast, answered all my questions as a first-time home buyer, and helped me get rates and terms that surprised my realtor and impressed my knowledgeable friends. Buying a house is a major thing, with lots of stress. Working with Jay was like having a lighthouse in a storm, he was incredible. 28 out of 5 stars, can't recommend highly enough. This is your guy.

My experience has been mediocre with this loan agent and US Bank. I have done at least a dozen of…read morereal estate refinancings with different loan agents over the years, so I am familiar with the process. 1. The refinancing process was a little chaotic, and some departments in the bank were slow to move files despite borrower's multiple warnings of deadlines to the loan agent, so the loan did not close on time, which caused significant complications and expenses due to borrower's upcoming overseas traveling. 2. The loan agent promised a processing fee refund after loan closing, but he refused to honor it later. The borrower had to escalate the issue with his supervisor to get the fee refund. 3. Several months after loan closing, the title company told me they are still missing various signatures and notary acknowledgment pages for loan closing and they had to make an appointment with me to redo these pages. There seem to be many gaps in their refiancing operations.

Sometimes, when you see reviews on Yelp and most or all of them are 5 stars, you wonder if someone…read morepaid all their friends and relatives to write reviews, LOL. In this case no need for doubts, Chris deserves all of the 5 star reviews. He made the whole process as painless as possible and was super responsive when any questions or issues came up. Highly recommended!

We are closing on a house this week and had to share our fantastic experience working with Chris!…read moreFrom start to finish, he made the entire process feel easy and seamless. Chris was always responsive, communicative, and proactive about keeping us informed at every step. He answered all of our questions quickly and clearly, which gave us so much peace of mind during what can be a stressful process. Beyond that, he's just a genuinely personable and kind person, just an absolute pleasure to work with. We're so grateful for his expertise and support, and wouldn't hesitate to recommend him to anyone looking for a smooth, efficient home loan experience!

Peruz Jelveh truly earned his nickname, "The Fixer."…read more He came highly recommended by my personal lawyer, and now I understand why. He helped me buy my forever home in Danville, the very home I had been renting and dreaming of owning. Because this was a jumbo loan, the deal was anything but simple. My previous broker had the file for three months and could not get it across the finish line. Peruz stepped in at the final hour, brought in his incredible team, and got to work immediately. What had been sitting for months, Peruz completed in just four weeks. He probably could have closed it in three, but he pushed it out one more week because he found a way to save me money. In the end, he saved me over $25,000 in closing costs. Peruz fights for your deal like it is his own. He works around the clock, thinks through every detail, and does not back down when things get complicated. I have worked with many brokers over the years, and Peruz is the one I plan to call for every future deal. When you find someone this committed, capable, and willing to fight for the best outcome, you keep them on your team. If you have any doubts about how to structure a complex transaction, Peruz is your guy. I am forever grateful to him and his team for helping me become the owner of my dream home. There is a reason people call him "The Fixer." Now I know why.

We were referred to Peruz by a longtime client and friend of his a highly decorated, retired…read moreContra Costa County first responder who served over 30 years. As a first responder myself, that referral meant a lot. After working with him, we completely understand why he was so highly recommended. Peruz made what could have been a stressful process feel a lot more manageable. He took the time to walk us through everything, answered all of our questions, and made sure we felt comfortable with every decision. We never felt rushed or pressured. What really stood out was how hard he worked to find the right loan for our situation. He wasn't just trying to close a deal -- he genuinely wanted what was best for us. Because of that, we ended up saving a significant amount of money. You can tell he truly cares about serving first responders and veterans. We're very grateful for his guidance and would absolutely recommend him to anyone looking for someone honest, knowledgeable, and easy to work with.

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.

We have had the pleasure of working with Jeanine many times through several purchases and just…read morerecently she helped our buyer with securing a loan. Jeanine was on point every single time. She's not just thorough but FAST! We asked for a 20 day close she did it in just that. What we love most is her response time. My husband sent a message on a Sunday she got back in a matter of minutes. She makes it easy and straight forward. We will always use Jeanine for our future transactions.

Karen is awesome. I was trying to refinance our mortgage and look at buying a second home and we…read morehit some unexpected issues and Karen was all over it. I would highly recommend Karen - she is smart, focused and reliable. I am happy to be working with Karen!

Karen was referred to us by a friend who had a wonderful experience purchasing their home with her…read more She was described to us as a "closer who knows her stuff" and that was certainly our experience. She was very generous with her time, walking us through the wonky details of funding a home purchase. She was highly responsive and communicative and worked closely with us throughout this process, going above and beyond her role as a mortgage broker. She moved very quickly to get appraisals done and to ensure an expedited closing when requested by the seller. You should always shop around for the best interest rates, but after speaking with several brokers, we found her rates highly competitive and she worked with us to secure financing we felt good about. She and her loan agent assistant, Gladys, displayed a very high level of professionalism and clear communication throughout this process. She has years of experience in this industry and that proved to be a huge asset in our experience.

Raymon is a very knowledgeable, responsive and upfront professional. He has deep insights in the…read morefull mortgage financing lifecycle. I had many questions regarding what steps need to be taken and Raymon has been very patient in answering them. All that we talked about on chats and on the phone were clear and transparent. I would highly recommend Raymon to anybody that needs mortgage related services.

Raymon was highly communicative and very knowledgeable with his craft. His team got me the rates I…read morewanted and the process was hassle-free. Got updates from him and his team almost everyday, from start to closing. Highly recommend him and his team. Will be coming back to them for any other mortgage needs.

Go with Steve and your life will be a BREEZE! This man took…read more2 days to sell our condo and saved my family from serious financial hardship! He is a triple threat being a Broker, Realtor and CPA. 5 star customer service, 5 star connections and 5 star recommendations. Trust me when I say I am not one to exaggerate. This man has a vision like a true artist and impeccable taste. He doesn't miss any single detail and He turns your home from drab to fab making magic happen. I can't say enough amazing things about Steve St. George Realty, but if you want more info on my personal situation feel free to message me! Thank you Steve!!!

We first talked with Steve during the 2020 pandemic year, when we first thought of purchasing a…read moreproperty. He was very knowledgeable, and took the time to answer all of our questions - even with the uncertainty of how the real estate market was in 2020. He also did loans and it was great to have to just work with one person on real estate and loan questions. Flash forward to 2022, we ultimately held back on purchasing a property during the HOT market and settled on an area unfamiliar to Steve on the real estate. We went through a recommended local real estate agent in the area we purchased, but Steve continued to give us great advice on real estate. We also wanted to continue with Steve on our loan needs, and he made the process super EASY. For those that know the process of purchasing a home, it can be quite overwhelming. Thankfully our loan process with Steve was the smoothest and easiest of all the tasks needed to purchase our home. I'll forever be grateful for that, and would recommend and continue to work with Steve in the future.

I have been through the mortgage process about 10 times now. Working with Steven for the last two…read moremortgages has been the best experience by far. He is extremely knowledgeable, trustworthy, honest, and got me the absolute best rates out there (others didn't come close). He has made the process completely painless and he knew what was needed up front. Other brokers require a ton of back and forth fetching or updating documents, where with Steven it has been pretty much one and done for me. I highly recommend reaching out to Steven. I personally recommend him to everyone who is looking at buying or refinancing their personal home or an investment home.

I had an outstanding experience refinancing with Steve Booras and the SmartRate team. Steve was…read moreprofessional, honest, responsive, and incredibly knowledgeable throughout the entire process. He made everything easy to understand, kept me updated every step of the way, and worked hard to secure a great refinance for my family. If you're looking for someone who truly puts your best interests first, I highly recommend Steve Booras and SmartRate. Thank you for making what could have been a stressful process smooth and seamless!

We are first-time homebuyers and Sean was really helpful from beginning to end. We had so many…read morequestions and he was always willing to take the time to answer them, even before we decided to work with him. We never felt pressured throughout the process, which we really appreciated. Sean did a great job explaining the ins and outs of the loan process and walked us through each line item on the loan estimates so we understood exactly what we were looking at. He was responsive and was always open to updating the loan estimates whenever we needed to make a change. He also made sure to keep us updated throughout escrow and always kept us in the loop, which made the whole process a lot smoother. Overall, we had a great experience working with Sean and would recommend him to others. We would work with him again!

We had a great experience working with Sean as first-time home buyers. He was super knowledgeable…read moreand always took the time to explain things in a way that actually made sense. He literally helped advise us on every offer we submitted, which made us feel so much more confident throughout the process. Once we finally got into contract, Sean and his team made the loan process really smooth and straightforward. They were responsive, organized, and kept us updated along the way. We're really grateful for Sean's guidance and would definitely recommend him, especially to anyone buying a home for the first time!

I have nothing but good things to say about Hal and his team! We were first time…read moreHome buyers who knew very little about the process, but he listened, explained and answered every question with the upmost professionalism and patience. He walked us through every step and even got us the lowest interest rate we could get. People have often told me to shop around for different lenders, but every other lender that I reached out to, was too pushy and eventually I would have to owe more money even though they claimed they would save me 5k plus! Hal is an honest and genuine person who I am lucky to have met and I cannot thank him enough for helping us get our first home! It's hard to recommend anyone unless my experience or trust in an individual is nothing short of 100% and I would 100% recommend Hal to every one of my closest friends and family! That explains how much I trust and thank this individual.

Worked with Hal through the home buying process in getting a loan. Hal is super knowledgeable and…read morewas able to guide us step by step in terms of what is needed and expectations. I highly recommend working with Hal!!!