Best mortgage person in the Bay. 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. read more

My experience has been mediocre with this loan agent and US Bank. I have done at least a dozen of real 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. read more

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just the 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! read more

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

Jay was excellent in helping us with a no cost refinance at the best rate possible! 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! read more

I started working with Jay over a year ago, he was very helpful when we were looking for a mortgage. He will work OT to make sure his clients get the best rate/deal and everything closes on time, I highly recommend him. read more

We've worked with Jay multiple times over 13 years, twice on purchases and a handful of times on refinancing when rates dropped. Jay has always been super on top of things and provided the best rates. He even reaches out when rates drop and we can reduce our costs. On such a major purchase, it's really nice to have someone like Jay that is knowledgeable and that I trust! read more

Jay helped me to refinance my loan for the third time since we bought our house in two years! He's very professional and supportive!

I can't say enough wonderful things about Jay and his professionalism handling my mortgage application. Jay and his team are excellent communicators guiding me through each step of the process. Jay locked in a low rate of 6% and we closed in 17 days. Jay was available after hours for texts and calls to check in and answer any questions. Paige handled all the document requests and did a sensational job keeping everything organized. I always felt supported and valued. I will always do business with this exceptional team! I adore my new home and can't thank Jay and Paige enough!!! read more

While we weren't able to work with Jay given a relationship the seller had with another banker that made our offer a bit more attractive, Jay was an incredible advocate for us in the process helping us understand the norms in industry around things like impound accounts, lender credits, and buying down points. He was incredibly responsive, positive throughout the process and approachable. We hope for the opportunity to work with Jay in the future -- and suggest you reach out to him for really competitive rates and support for first time home buyers. read more

Jay was a great ally in getting our home purchase financed. He answered all of our questions clearly and helped us get a competitive rate.

My partner and I were first time homebuyers. We shopped around at several different places before we were recommended US Bank by a close friend. Luckily, we did. We were able to find Jay and his team after getting different quotes. The rates we were able to get with Jay was the best out there for us. When we found Jay, which was about early evening time, we needed a pre-approval fast since offers for a house we wanted were due the next morning. Jay worked his magic and got us one that morning. Our offer was accepted and the process was moving fast. In this process, we were also able to work with Jays team. Paige was extremely helpful in everything. She helped prepared all of the documents that we needed, as well as answered any questions that we had. And we had a lot of questions. She never made us feel like we were bothering her. I really like that! Overall, I really had a good time working with this team. I definitely recommend them to anyone else. read more

Having Jay as my loan officer was the cleanest and most comfortable experience. As a first-time home-buyer. Jay and Paige both had my back. Walking me through every detail on a 21-day close. Any snafu or issue, Jay and Paige were there with an immediate response. We are talking minutes!!! Needlessly to say, I got the loan closed fast, accurately and felt like I was taken care of every step of the way. Even post-close items I was still getting follow-up calls, pings and notifications, just to ensure I was taken care of. I know I got the best rate and I know I got the best service. Thanks Jay and Paige!!!! read more

As first time home buyers, we were very nervous about the process. We weren't sure where to start, or if it was even possible. Enter Jay. Jay and his team made a nerve-wrecking process a very smooth and transparent experience. It was honestly painless, and so much less stressful working with Jay. He has excellent communication, and is very easy and pleasant to work with. I would recommend Jay to my friends and family, and look forward to continue working with him! read more

This review is long overdue, but we have to thank Jay, Paige, and Allan for an extremely smooth experience! We talked to a few different lenders, but we ultimately decided to go with Jay. His rates were among the most competitive, he is upfront and transparent, and he and his team were always just a phone call/text/email away. I appreciated that he took the time to walk us through everything, provided custom preapproval letters for our offers, and did exactly what he said he would do. We were able to close quickly because of this team and how they were always on top of all the moving parts. read more

It's been an absoulet pleasure working with Jay and his team at US Bank. I've worked with Jay on sevarl home loans and he has always found a way to deliver. He is action-oriented, highly responsive, knowledgable, and all around a good guy! I highly recommend Jay, you wont be disappointed! read more

It's been a pleasure working with Jay and his team at US Bank for our mortgage - they're top tier professionals who will help walk you through from start to finish with a ton of guidance and support to get the deal done. Jay has been by far the most "straight-up", knowledgeable, action-oriented, and responsive one out of all the other loan officers we talked to throughout the process. Jay is always ready to take a call and has been extremely helpful answering and thinking through together some unique questions that came along the way for us. Not only was he able to get the best rates for us, but he's gone above and beyond to make sure the ball kept rolling smoothly in spite of the necessary (but painful) bureaucratic back and forth when they came up. He's also very knowledgeable - he's taught me and my fam quite a bit on how to think about different options for the mortgage and how to go about the process from day1. Can't recommend Jay enough! read more

It was a pleasure working with Jay and his colleagues; they completed our refinance within three weeks. From the moment we began working with them, they were outstanding in providing all the information, supporting us with all the answers, and giving us the best possible rate at the moment. We highly recommend Jay and his team!! read more

I found Jay through Yelp while I was comparing different loan quotes. As a first time homebuyer, the whole loan process seemed daunting and unclear, especially after the first few responses I got from loan originators only mentioned very rough estimates of closing costs and very little detail on how these estimates were calculated. Jay really stood out to me because from the get go, he provided a detailed itemized breakdown of the estimated closing costs of the loan, how much the monthly mortgage would cost, and many other relevant figures. This was the transparency I was looking for, and it really differentiated him from the other loan officers I talked to. He provided these figures at different loan options and would recalculate them while I was viewing different homes. This really helped me get a great sense of what I was signing up for and allowed me to better plan when considering different homes. During the whole process, Jay was attentive with check ins and readily available for questions. The closing process was smooth and efficient and he and his team handled any issues that came up. Paperwork was clearly explained and organized neatly through the portal. I would definitely recommend Jay and his team to anyone, their professionalism and service is top notch. read more

Jay and Paige at the US bank are great! I compared rates from Chase, Bank of America and Wells Fargo and no one even came close to what US bank offered. The process is extremely streamlined at US bank compared to others be it uploading docs or getting timely updates from the team. I had a rather complex file , yet we were able to close in 21 days. Highly recommend them. read more

My experience with Jay and Paige was absolutely amazing. Jay was extremely helpful, responsive and provided excellent advice throughout the process. The entire application and closing process was very smooth and done in 21-days. I spoke to a few different lenders and while they were all great, there was just something about Jay that stood out, which is why I decided to go with him and his team. On the whole it was stellar experience and I would highly recommend him and Paige. read more

We worked with Jay to buy our first home. I appreciated his affable style and patience with all the questions. He was very communicative throughout the whole process. He worked with us to get the loan documents out extra fast so that we could do an in-person signing ahead of schedule and not disrupt some planned business travel. Jay's team were all very helpful, responsive, and professional. I would recommend him to anyone and hope to be able to refinance with him once the market allows. read more

A friend recommended working with US bank, and I saw the great reviews Jay had online. Our experience with him was excellent. He was always super responsive, offered really competitive rates, and not only sent customized letters but also followed up with phone calls to the seller's agent. He was always happy to jump on a call, and actually was on the phone with us late on a Sunday night locking in our rate, after our offer was accepted on a Friday. He had a quick closing timeline of 25 days. He and his team did a fantastic job closing quickly, despite some unforeseen delays with the appraisal and loan approval. It really was a pleasure working with him. read more

My realtor connected me with Jay when I needed to get pre-approved for a mortgage with a pretty quick turnaround to make an offer on a once-in-a-lifetime home. Jay and his team walked me through the pre-approval process quickly and efficiently to get pre-approved and then through final approval once the offer was accepted (!)!!!!. As a first time homebuyer I had a lot of questions and Jay answered them all thoroughly and helpfully. Would highly recommend Jay and his team! read more

Working with Jay was a great experience. He is knowledgeable, responsive, funny, and honest. My husband and I worked with Jay for our first home loan, so we had lots of questions and some anxiety. Jay was really great about explaining each step of the process and being available to talk with us. His colleague Zulema was also really awesome and was patient with us about submitting all our documentation. My father and brother in law have also worked with Jay. I highly recommend Jay and US Bank. As a first time home buyer, I really appreciate how easy he made the loan process. read more

Jay was incredibly smart, friendly, and helpful throughout our protracted home-buying process. He always made time to talk to us and kept us in the loop on rates and the broader economic context affecting them. Always felt like he was on our team, working to get what was best for us. Highly recommend! read more

Jay is phenomenal! He made many promises and kept them all! We went with the first lender we found for our first house, but friends told us to shop around for our second home. I'm glad we did! Our past lender offered us a super high-interest rate. So I decided to shop around and found Jay online. He had stellar reviews, so I gave him a chance. What I loved most was that he was knowledgeable and cut straight to the chase. Instead of having us jump through hoops, he asked a series of questions and gave us the rough numbers without filling out any app. He was confident he could offer x interest and x down based on the info I verbally gave him. Ultimately, he did even better than he told me on the phone. The process was swift. We received pre-approval in a day and final loan approval in 10 days. He was so fast that the seller asked us to slow down because they weren't ready to leave that fast. Also, the interest rate we locked in was 2 points lower than my previous lender and 1.5 lower than the closest lender's offer. If you're looking for someone who is a rockstar and sticks to their word, go with Jay! read more

Jay was very open and honest about what he could and could not provide in terms of a refi on my house--given how busy they've been. He referred me to a friend of his whom he knew would be able to better serve me. Shopping around for brokers, trying to compare costs, interest rates, etc. was stressful. I had a very good sense about Jay's honesty and integrity--what a difference that makes! Would recommend for sure. read more

As a first time home buyer I was really out of my element and I am so grateful to have Jay Sondhi to work with. He is very professional and so helpful! We couldn't have completed this transaction if not for Jay's assistance. I had so many questions and he was very responsive and reassuring. He kept up on every detail and walked me through it all. I highly recommend Jay and appreciate his positively throughout this whole process. read more

Jay and his team (Paige, Allen) at the US bank are awesome! Jay provided me multiple options for my home loan and provided the best rate. He was always available to discuss and answer any questions I had. Even Paige was great with making sure that all documents are in place and the closing happens on time. Thanks to their help, I was absolutely stress free about getting the loan approved. Go with Jay and team, you will be in good hands. read more

Jay is THE best loan agent I have ever had the pleasure of working with. And this was my 7th home purchase in my lifetime. He is knowledgeable, efficient, helpful, detail-oriented & super responsive to any text messages, emails or phone messages I sent him. He helped navigate me through what seemed to be obstacle after obstacle in order to obtain my loan and he was also able to complete a 21-day close. I was also keeping my current condo as my 1st rental property, so the logistics of it was all new and also a bit scary to me. But Jay worked with my agent and visa versa to get this done smoothly. I cannot recommend him highly enough! read more

2.5 yrs later, we just refinanced our mortgage with Jay and got a much better rate. Just like last time, Jay was great throughout the process. Thanks, Jay! read more

Straight up. The antithesis of mortgage people. He is honest, genuinely friendly and does not waste your time. He said he has been in the business for 18 years. read more

Jay Sondhi helped me close on my home in LA right around 30 days as originally promised, which is remarkable for a big bank (bank of America requires at least 35 days). US bank also had the most competitive rates for a jumbo loan product largely because the bank is wanting to issue these loans to hold on their books in their portfolio. Jay was professional, extremely responsive, and has a very capable team to help educate me on the mortgage options available to me and the process of applying for a loan. There is an unavoidable level of bureaucracy at any large financial institution, but Jay helped me to navigate that by ensuring all my documents were in order and having very good communication with internal constituents. He went above and beyond and chased loan processors and underwriters on behalf of me given my tight timeline. He literally moved mountains. I felt that he took my loan personally, and I could not have asked for a mortgage banker who cared more about my situation and timelines than him. Jay also goes above and beyond in the initial stages of the home purchase. In addition to a pre approval letter, when I made an offer for my home, Jay actually wrote a personalized letter with the address of the home I made an offer on affirming my financial situation and letting the seller know that there would be no issues with loan approval. Buying a home in a competitive market with a tight timeline can be stressful. Jay will do everything he can within his power to help make things work out. PRO TIP: DO NOT make any large transfers or open new lines of credit or bank accounts after your pre approval... every meaningful transaction will be questioned and may cause your file to be re evaluated. read more

Jay and his team at US Bank helped my wife and I secure a loan with a great interest rate to purchase our first home in June 2021. We shopped two loan brokers as well as Jay, and went with US Bank because he beat all the broker rates, and was the most thoughtful and knowledgeable throughout the process. We never felt rushed while initially meeting with him, and we could tell he was really on our side trying to get the best loan for us and our situation. US bank had great creative financing (10% down, no mortgage insurance, and still the lowest rate!) that the brokers couldn't offer, which we ended up going with. The escrow process went smoothly and online US Bank platform was pretty easy to navigate. Highly recommend Jay, we will definitely continue to work with him when it comes time for our next mortgage! read more

This is the 4th time that Jay has financed a home for me. He is very best!!! I also love his team, Paige and Allan who are really great too. Jay is extremely professional and with his detailed knowledge he hands down offers the best and fastest experience and the best rates. read more

Jay and his team worked on my loan and closed it in record time. He went above and beyond to make sure the deadlines are met. He spent lot of time explaining me about the process and kept me informed at every step. It was a pleasure to work with him. read more

Jay is the go to person if you are looking for a smooth process and the best possible rates for your mortgage. Starting from the cost break down, rates, fees Jay is upfront from day 1. Never a negative surprise. Mortgage was a breeze ( if there's such a thing ! ) and would highly recommend Jay for any mortgage needs. He's a wiz with garnering neat offers for those rare reductions. read more

I wish I could give more than 5 stars! My experience with Jay and his team exceeded all of my expectations. Not only was Jay very knowledgable and professional, he was also extremely responsive, patient, transparent, and ensured that my close stayed on track - even given a few hiccups we encountered. Most people that I've talked to about home mortgages alway say that it was a stressful process for them, but I didn't feel any of that because Jay, Paige and Allan managed all of the moving pieces so smoothly. I'm super happy to have worked with them and rest assured I'll be working with only them again in the future! I've already recommended one of my close friends to Jay and she let me know how thankful she was to be working with him too. Thank you Jay, Paige and Allan for the amazing experience. I can't express enough how much gratitude I have for you three! read more

Jay helped me with a home purchase in the SF Outer Sunset in 2017 and a refinance in 2020. Both experiences were smooth and Jay's communication was prompt and genial. All emails and phone calls are returned in kind. You can expect to receive an itemized cost comparison of three or four finance options targeted to your desired mortgage type and prevailing rates. He also doesn't mind sharing his thoughts on how the current mortgage market stacks up against historical norms. I ended up getting a conventional 30 year mortgage, but he also is knowledgeable of rehab loans. Document reviews are done via a convenient, secure web platform up until the final, notary witnessed signing. My purchase closed in 21 days with minimal stress. Refinance also completed in under a month, despite booming refinance applications. Five stars! read more