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.

5 stars all the way! I don't normally write reviews, but the awesome experience with Mike, Andrew,…read moreand the rest of the PRMI team inspired me to share this. I had a ton of questions going into my mortgage and they explained everything in plain English. The team made sure I actually understood what was going on throughout the lending process. Mike and his team are super responsive and thoughtful. They truly went above and beyond, and made it possible to even close a week ahead of schedule, which was great for me and the sellers. Truly impressive. I highly recommend Mike and his team and very much look forward to working with them for my other mortgage 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!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.

I've worked with Risha for well over a decade across multiple transactions, and every single one…read morehas closed successfully within the original timeline--often even earlier when needed. She leads an honest, dependable team that is always easy for me to reach and consistently delivers exceptional service. Whenever family or friends ask for recommendations on residential loans, there is only one name I give: Risha. Thank you to Risha and her team for the most recent transaction that closed in April 2026. I look forward to working together again in the near future.

We worked with Risha for financing our dream home, and as many people know, the loan process can…read moreoften be intrusive and stressful. However, our experience with Risha was remarkably smooth and hassle-free. Her team requested only the essential documents and information, handling everything else efficiently and professionally. Throughout the process, we felt confident and well supported. Many thanks to Risha and her outstanding team for making our home financing journey such a positive experience.

It was a pleasure working with Alexandra from start to finish. She is incredibly professional,…read moretimely, thorough, and truly a problem solver. When a challenge arises, she doesn't just identify the issue--she quickly works toward a solution, often finding creative ways to keep things moving forward. What stands out most is how much she genuinely cares about her clients and the people she works with. She is responsive, collaborative, and committed to creating a positive experience throughout the transaction. I would gladly work with her again and highly recommend her to anyone looking for a knowledgeable and dedicated loan professional.

Exceptional Property Manager - A Rare Find…read more After going through three previous property managers, I was incredibly fortunate to find Alexandra. Within just the first one to two months of taking over my rental property, she accomplished what my prior property manager had failed to deliver over the previous 2.5 years. One of the first things she tackled was coordinating and project managing major property improvements. She found qualified contractors to completely redo my front concrete driveway and resolve a long-standing issue with an unfinished backyard patio deck. We later discovered the deck had been partially built incorrectly and did not conform to the original architectural plans. Alexandra managed the entire process from contractor selection and oversight to final inspections and sign-off. She also successfully addressed tenant compliance issues that previous property managers had been unable or unwilling to resolve. What truly sets Alexandra apart is her network of trusted, highly skilled, and reasonably priced contractors. Every contractor she recommended had a proven track record, and the quality of work consistently exceeded my expectations. Alexandra treats your property as if it were her own. She genuinely looks out for your best interests, advocates for property owners, and approaches every challenge with professionalism and creativity. She is highly communicative, proactive, prompt, and always thinks outside the box. Instead of having to constantly chase updates, I received regular status reports and progress updates, sometimes daily, which gave me tremendous peace of mind. She also has a unique ability to treat tenants with respect while still holding them accountable. Even with less cooperative tenants, she was able to achieve compliance professionally and effectively. When it came time to sell my property, Alexandra once again proved invaluable. She strategically connected me with a trusted local real estate agent who had extensive knowledge of the area and guided me through the process. The property went under contract within two weeks and has now successfully closed. Beyond property management, Alexandra is exceptionally knowledgeable in construction, contracting, real estate transactions, and local regulations. Her broad expertise makes her an incredibly resourceful asset and someone you can truly rely on. Since Alexandra took over my property, I was able to be virtually stress-free, knowing my investment was in capable hands. Trustworthy and effective property managers are incredibly hard to find, and Alexandra is genuinely a rare find. She is worth every penny, and I recommend her without hesitation. Thank you, Alexandra, for your dedication, expertise, and outstanding service.

Just closed after a very easy, clear, and smooth process facilitated by Jay. The rate and closing…read morecosts he was able to provide were significantly better than another broker I was working with. The actual closing costs (and rate) came in under his estimate. He guided me through the process and let me know ahead of time of documents and verifications I would need during underwriting. He was always easy to reach via phone and email with very prompt responses. The whole deal was absolutely painless and there were exactly zero surprises. Just perfect. I highly recommend Jay and First Capital Group.

Working with Marisa Pecorella was truly the best part of our home buying experience. She was…read moreincredibly involved and always available whether by phone or text, she made sure we never felt out of the loop. Throughout escrow, she stayed on top of every detail and even got our rate dropped multiple times when market rates went down during escrow! She constantly communicated with our title company, real estate agent, and everyone else involved -- honestly, she did more work than anyone in the transaction! We always felt like we were her top priority, and her professionalism and follow-through made the whole process smooth and stress-free. Highly recommend Marisa to anyone looking for a lender who truly goes above and beyond. She made home buying a reality for us when we didnt even know if it was in reach.

Guarantee Mortgage has been around for many years. They have a basic easy to comprehend website. It…read morelets you know in northern california their offices are spread out and discusses the type of programs available to potential clients. They are a good lender to work with. I have worked with them in the past and found them to be a useful tool.

Julie is amazing. When buying our first home together, we initially planned to use our bank, but…read moreour realtor recommended her. After speaking with both Julie and our bank at length, it was apparent who to choose, and we never second guessed ourselves. Julie was very thorough and helpful throughout the process, managing to explain all of the steps, while not over burdening you. She makes sure to focus you on the important / sensitive items and ensures nothing is missed. Julie communicated everything well along the way, and was available for any questions that arose. We easily closed our home in the agreed 21 day timeframe, and the loan was actually ready to close early if we wanted. And of course, she got us a great rate too! If buying another home, we will definitely use Julie again and strongly recommend.

Brenda Wyatt and The Wyatt Team made buying our first home an amazing experience for my wife and…read moreme. From the very beginning, they were professional, responsive, and genuinely cared about helping us become homeowners. One thing that really stood out was that they were able to get us pre-approved without a hard credit pull, allowing us to start shopping for homes while protecting our credit. Their secure third-party verification for employment, income, and tax documents made the process incredibly simple. Everything was organized, modern, and hassle-free, and we never felt overwhelmed by paperwork. Throughout escrow, Brenda and her team kept both of us informed every step of the way. They answered all of our questions quickly, explained everything clearly, and made what could have been a stressful process feel smooth and easy. Their communication, professionalism, and attention to detail were outstanding from start to finish. Thanks to Brenda, Dejon, and The Wyatt Team, my wife and I are now proud homeowners, and we couldn't be more grateful. They truly went above and beyond to help make our dream a reality. If you're looking for a lender who is knowledgeable, honest, efficient, and genuinely cares about their clients, look no further than Brenda Wyatt and The Wyatt Team. We will absolutely recommend them to our family, friends, and anyone looking to buy a home. Thank you, Brenda and The Wyatt Team, for making our dream of homeownership come true. You have earned customers for life!

if I could give more than five stars, I would in a heartbeat. You would be making a big mistake to…read moreuse anyone other than Brenda for a home loan. Brenda and her team are absolutely amazing. This is the fifth house I've purchased in my life and this was the first time I didn't panic during our loan underwriting. Outside of this experience, closing on time always felt like it was at risk. This time, we had 3 week close and actually closed a few days early. Brenda was extremely proactive, communicative, and responsive. We could not believe the seller went with us despite not come in with the highest offer. We were told through their agent one of the reasons they accepted our offer was because of Brenda's reputation. You can't ask for more than that

Jennifer just helped me close my loan. She and her team were on top of things the whole way and we…read moreactually managed to close a few days earlier than the expected closing date! I could not have had a happier loan experience. I heard so many horror stories from friends of mine and I was a little nervous at first. However, Jennifer assured me from the start that she would make the process smooth and easy and she delivered. She was very patient with answering all my many questions. I was a first time home buyer so I had A LOT of questions along the way. She also gave me a timeline of all the different stages of the Escrow process, reviewed all my documents before sending them to the underwriter and gave me a breakdown of all the final costs so there would be no surprises at the end. Whenever I had question and sent her an email she would always get back to me in a few hours. It was nice to work with someone so responsive especially during the time critical escrow process. I am so happy I used Jennifer as my loan agent. I can't imagine the process going any smoother than it did. Thanks Jennifer & Guild!

Was recommended to Jen by a friend, and as a first time home buyer, couldn't be happier. Jen was…read morepersonable, responsive and thorough. As other reviews mentioned, she can accommodate quick turnarounds as well, which is crucial in the Bay Area's competitive market. Jen made the home buying process a lot less stressful. Would definitely recommend!

Matthew Alvarez is professional and personable. He literally took my hand and guided me through…read moreeach step in the process of refinancing my home. I was always able to get ahold of him any time of the day and he would address my questions/concerns. Matt is a very successful and active agent but yet somehow manages to give each client the individualized attention they need and want! I am forever grateful to have had the opportunity to work with Matthew Alvarez and I will certainly be recommending him to all my friends and family looking to purchase and/or refinance. Thank you Matt for all your help!

I used SELFI multiple times for refinance and getting references for purchase loan. The owner…read moreJoseph is honest and reliable. They always offer very competitive rate in the market. However, this time I'm trying to refinance my house. Raul is helping me. He didn't lock the rate as promised. He could inform me much earlier. But the process was not transparent. The date before the closing date, he told me that I have to pay 3000+ more to get the rate that I quoted. I'm very frustrated because I quoted other lenders who offer same term but I chose SELFI because I trust them. At the end, they told me that they cannot close on the promised rate. Lessons learned: 1. Don't trust the quoted rate that they promise 2. Don't trust the closing date that they estimate.

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.