Josephine is an amazing broker to work with. She delivers what she promises and keeps you updated throughout the process.

Josephine is highly experienced and makes the process seamless. She is a financially savvy expert! She has earned my 100% trust. A+ recommendation! read more

Josephine was a bright light in a very difficult process. She is incredibly knowledgeable, and not only does she complete and achieve what you ask of her, she goes above and beyond and anticipates other issues down the line. She provided suggestions about how to structure my loan, and was very fluent in the entire process. The realtor and title company were incredibly difficult, with a process riddled with mistakes, and directly going against my requests. Josephine was the one bright light -- she was incredibly adept at maneuvering and pivoting around these mistakes from the other parties, and still helping me competently finish. She moved mountains, and got me the lowest rate possible. I understand she also has her realtor license. While i didn't utilize her services in this area, I think without a doubt she'd be also incredible in that area too. I can't sing her praises enough. read more

Josephine has assisted me and my family with a few real estate transactions over the years - from refinancing, lending, to home buying! Most recently, she helped me purchase my home in San Ramon (both as a realtor and mortgage broker) in a highly competitive market. She's been in the industry for a long time and has a deep understanding of the process, offering solid guidance and representing her client's best interests. She's fast, responsive, and detail oriented. She even helped me find and secure contractors for home upgrades after I bought! I highly recommend Josephine if you're looking for a partner in your home buying and selling journey! read more

We were referred to Josephine by my realtor. Josephine helped us on our home loan and I'm very impressed how quickly she gets the job done. We were able to closed within 25 days. She's very responsive, professional, and knowledgeable. We couldn't have asked for a better experience. Highly recommended to anyone in the market for a mortgage loan. read more

Absolutely the best of the best!! JC Financial is one of the only places that you don't feel like just "another customer". Not only professionalism and high standards are common practices, but you eventually build up a relationship on a personal level as well. I have been helped by Josephine several times in the past eight years, and my expectations were either met or exceeded every single time. I HIGHLY recommend JC Financial for your future needs, you will not be disappointed!! read more

Just did another re-fi. As a business owner, it's usually a real pain to get through underwriting. Josephine really smoothed the skids to make the process painless. I was able to turn in everything online, which took very little time. And she did the legwork to get letters and documents that I expected to be a pain to get. I was impressed and grateful once again. read more

I am a first time home buyer and she mentioned she loved working with younger people. We have pretty limited budget but we are still able to find a suitable habitable space. Her experience also made our team stand out at the bidding process. Lock down pretty decent interest rate in 2021 before Fed took action. Superior service. One of strongest and best agents out here in East bay, or in North Cal. read more

I lost my husband due to sudden heart attack and I was so overwhelmed with all unexpected financial responsibilities I faced. Josephine kindly helped me through refinancing my home with a best rate. She is very professional, knowledgeable and caring. I truly appreciate all her support and expertise helping me through this difficult time. I genuinely and strongly recommend her to all looking for a professional real state or loan agent. read more

Josephine helped us with several home mortgages and refinances in the last few years. She is knowledgeable, honest, efficient and very reliable.  For our most recent mortgage transaction, she thoroughly went through all the options with us, patiently answered our questions, gave advice with full transparency and came up with creative solutions to get us the best possible rates. In addition, Josephine was timely with her communication and kept everything on track to ensure the time frame to close was met. Most importantly, she had our best interest at heart and definitely alleviated much of the anxiety from what was already a stressful process.  We highly recommend her top notch service. read more

She is sharp and knows all the tricks of the trade, highly recommended for loans or real estate purchasing.

I've known Josephine for a few years and have witnessed her grow her business almost overnight. There is no secret to her success. She is smart, personable, and the most dedicated individual I know. Most people including myself don't know if I have the absolute best deal. After seeing her in action, all my friends including myself have nothing but praises for her relentlessly at making sure we have the absolute best deal. What really sets Josephine apart is that she is genuinely wanting to use her financial and analytical skills to help other people save money. Helping others is first, making money is second. I will continue to recommend my friends to her and without a doubt, I am sure they will all be grateful for her service. read more

I will definitely recommend her to you if you need a knowledgeable, professional, and efficient real estate and loan agent. As a first home buyer, I encountered a lot of issues during the process and thought I had to give up. Josephine not only solved the issues for me but also did extra work to follow up on the purchase. From bidding to funding, she provided a lot of valuable suggestions that make the whole process very smooth. She just turned impossible into possible and exceeded my expectation. Buying a property is always not an easy task but she just makes it very easy. I will definitely come back to her if I need any help on real estate in the future. read more

I cannot recommend Josephine highly enough to anyone who is in the market for a home in the Bay Area. As a first-time homebuyer, I can honestly say that there is no way I would be in the home I'm sitting in today without Josephine. In a crazy market, she was able to help me secure an incredible deal. Her comprehensive market knowledge; established relationships with counterparty agents across the Bay Area; negotiating prowess / keen sense on what it takes to get the deal done; consistent support pre and post transaction; and 24/7 responsiveness and attention to detail provided for an amazing experience. Between purchase price negotiations, in-contract concessions and post-close repairs, Josephine has easily created $100k+ of value in the context of my home purchase. I look forward to pointing my family and friends in Josephine's direction for all things real estate! read more

Josephine made all the difference by arranging for repairs in our house to get in tip top shape with staging which she provided. Within 2 months we were ready and she got us on the market on the right weekend. There was volatility in the months after the start of the pandemic. Timing, fixes and negotiation made a difference of over $50k. The time on market was short. Service in all aspects was impeccable. She also helped refinance our other home and got us a great rate. Josephine competence, service and negotiating skills enabled our San Ramon home to be sold over asking with multiple over asking bids. The sale happened quickly. read more

Josephine helped us purchase our first home a few years back and recently completed a refinance on our current home. She was able to get us the best rate possible and the process was complete within a week! She is professional, diligent, thorough, always has our best interest in mind, and will explain what you're getting. We highly recommend working with Josephine! read more

We didn't think we could refinance our house, but Josephine made it happen for us. Josephine also came up with creative solutions to get us the best possible rates. And for our most recent refinancing with Josephine, it took only 6 days from start to finish which I had never experienced such efficient services. To sum up Josephine, she is professional, knowledgeable, efficient, responsive. Most importantly, she has her clients' best interests at heart. We highly recommend her.h read more

Definitely 5 stars. Josephine helped us securing a great rate on refinancing, we locked the rate in the nick of time. She handles everything smoothly and efficiently. We are more than satisfied. Highly recommended! read more

Josephine Chu was recommended by our financial fiduciary, Jennifer Napper of Raymond James (also the best). Josephine explained all re our refi, got us a great, competitive new mortgage rate, allowed us to drop PMI, and a cash-out to boot in the process which we applied to our credit card debt. I recommend her unqualifiedly. read more

FIVE STAR PROFESSIONAL! Believe it or not, this incredible lady did a loan for me in a week! I have worked with Josephine Chu for several years now. She is the best!! So knowledgeable, so professional. She has provided a seamless experience with her proactive attitude. She continues to impress so I expect to be working with her for years to come. read more

Josephine is a home finance whiz! Several years ago, she helped us purchase our first home. Recently, she helped us stretch our dollars even further even more by locking a lower rate and finance another major purchase. She's a joy to work with and always goes above and beyond. read more

We used Josephine's services to help facilitate a private sale. She proved to be an invaluable resource for both the Buyer and Seller in the transaction. She ensured that all disclosures were complete and presented in a timely manner. She also helped navigate the escrow process and helped us close the deal in record time allowing our family to be "home" before the holidays! read more

Josephine helped us with an FHA streamline re-fi about a year and a half ago. It was a tricky time because the FHA rules were changing regarding PMI/MIP. Josephine went out of her way to make a spreadsheet with the numbers in order to help us decide which was the smartest financial move. She is incredibly smart and knows a lot more than just the mortgage business! She made it clear to us that she was in business to help people; that statement definitely held true in our dealings with her. I wouldn't hesitate to use her again - in addition to her intelligence and customer service/communication, she secured us an awesome rate. She's the best mortgage broker I've worked with. read more

Josephine was referred by my family, she got an excellent rate for us. She is very knowledgeable and is very helpful. She did a good job on analyzing each of the options and explained to us in detail so we could make the best choice. Very patient and to the point. Highly recommended!! read more

Josephine is simply unbelievable to work with!!! Over the last 9 years, I've worked with her on all types of transactions, including new home loans and refis as well as home sales and purchases (yes, she's a real estate agent as well), and every single experience was absolutely top notch. This was accentuated even more in my most recent home purchase. The process was so efficient and smooth that I had to repeatedly ask her if I'm missing anything or If I need to provide any additional documentation for the loan because I was recovering from PTSD after a horrendous experience working with a big bank to get a home loan one year earlier (when only big banks were able to offer jumbo loans for reasons I don't fully understand, which is why I couldn't work with Josephine on that one). Additionally, Josephine locked in such a good rate on the loan that even the notary was complimenting us on it. I look forward to partnering with Josephine on many more transactions! read more

Wow! Josephine Chu is and was absolutely stellar in her assistance to me when purchasing my home. Not only did she help me find my home, but she also took care of and found me a fantastic loan. She is responsive, clever, and extremely diligent. I very much look forward to working with her again. And could not recommend her enough! Bravo! read more

I contacted Josephine to help with our refinance. The reviews here are completely accurate of her. From the time of first contact to the time of our loan close, it was within one month. She is extremely responsive and wants to ensure you have a good understanding of each step within the refi process. I would recommend her very highly!! read more

Josephine helped us refinance two income properties and a home loan. She explained everything clearly and was helpful through the whole process of forms, appraisals, etc. After all was said and done, she structured our refinance in a way that saves us thousands per month! I would definitely recommend her to friends and wouldn't hesitate to contact her again for our real estate needs. read more

Josephine is thorough, knowledgeable, and a pleasure to work with. I was referred to Josephine and was very impressed with her immediate response to an inquiry about refinancing our home. Long story short, I had a snafu with our original loan (through a different financial institution), which required months of wrangling with the credit bureaus. Josephine did NOT need to get involved, but she jumped right in to help me get it resolved. Only then did she handle the refinance smoothly (and quickly)! Throughout this entire experience, she has earned our complete trust in her expertise and we felt that she always had our best interests at heart. Never thought I would say that about a mortgage broker... We were consistently impressed with her knowledge and service. Josephine is the definition of one who goes "above and beyond." She even responded quickly when she was out of the country! I would highly recommend JC Financial to anyone looking for a loan/refinance. read more

JC Financial is a straightforward and competent firm for re-fi and more! Think your situation is uniquely challenging? Unclear about your options? Need advice to guide you toward the optimal plan? Appreciate people who are reliable, with the experience to execute confidently? Josephine and JC Financial offered all that for me with a clear, understandable strategy to get the job done. Very satisfied. read more

We were referred to Josephine by our best friends from Wharton. My wife and I have busy careers and have gotten mortgages and refinancing before. We wanted to work with someone who would get the job done fast and efficiently. Josephine was a perfect fit. She was on top of our refinancing process throughout. The final rate, costs, and timing came out exactly as she had indicated at the start, and was better than the banks and credit unions we had shopped independently. We had her refinance our house a second time when rates dropped. That also went smoothly. We are in southern CA and worked with her entirely through phone and email. We continue to refer our family and friends to Josephine when they are thinking about a mortgage. She has helped my sister with three refinancings with similar success. read more

Josephine, founder of JC Financial, is a first-rate mortgage broker who goes to great lengths to help her clients. She is head-and-shoulders above all the other mortgage brokers or bank loan officers I dealt with. Several months ago I decided to get a home equity loan because of the low interest rate. I contacted several brokers before Josephine, but none could help me. Some tried hard sell. Some had trouble because I had a private mortgage. Others wouldn't because their computers gave a very wide range for my home's value. Josephine was different. She and I discussed in detail about my mortgage and my reasons for wanting a home equity loan. She also visited my neighborhood, saw my home and neighbors', and estimated my home's worth herself. Once she had all the information, she put together several options for me. In addition to the home equity loan, she suggested arrangements that would lower the interest rates on all loans. However application was interrupted by my yard renovation, but Josephine managed to defuse that problem. The project was for a total renovation of front and back yards and couldn't be rescheduled. Sensing mortgage rates were rising and project would take longer than projected, Josephine suggested me to extend the rate lock for as long as possible. She also rescheduled the appraisal to just a week before rate lock expiration. Meanwhile, she pointed out areas for the contractor to focus on, so the appraiser saw an orderly project on the way to completion and not just piles of rocks and dirt. Amazingly, she also found a way to cover the fees for the rate extension. All in all, working Josephine was a great experience. I recommend her highly to anyone looking for a mortgage broker. read more

I worked with Josephine for almost 1 year. She is very knowledgable person and she gave me lots of good ideas while doing house search when I was trying to decide a location. She also helped me to find the a good loan deal as well in a short time frame after my offer is accepted. I highly recommend her for those who wants to work with one person only ,who can help you to find the right home you are looking for and as well as completing a smooth loan process at the same time.. She has an amazing personality as well. She treats her customers as her friends. Even after closing she helped me to solve some little issues. She is very straightforward and honest person and she never rushed me with my decisions. She will certainly be my real estate agent and broker next time again when I purchase my second home. As a first time home buyer , I had a very smooth and easy process by working with her.(both in closing the offer as well as getting a competitive loan) read more

We have now done 3 refinances with Josephine, including a problematic one at the Beacon, a condo here in San Francisco. Each time, she has gotten us a great mortgage rate and set us up with excellent personal service. She takes the time to answer questions and lays out all the options, and she has a great instinct for knowing which direction the rates are going. I couldn't recommend her enough, actually-- she is someone you can trust in an industry that can be a bit sleazy. read more

I don't know where to start. A couple of years ago, after my wife and I got married we both had it in our heads that we needed to get a house (more so her, but she ended up being right). We met Josephine through our realtor Jeff, and honestly I'm so thankful for this. Josephine was absolutely ESSENTIAL in our home buying process. Josephine was always extremely helpful (often at all hours of the night) in answering any questions or concerns we had. She is an extremely hard worker, and I really admire that about people we do business with. I had a hard time writing "people we do business with" about Josephine though, as it surely didn't feel that way. Josephine was always a pleasure to speak with, and was more like family by the time we signed loan docs. I would 100% recommend her to anyone (and I have recommended her to several friends and coworkers already). I know they will have just as great of an experience as we did. I know the next time we go to purchase a home later down the road, exactly who I'm calling. Thank you again for all of your hard work Josephine! read more

Josephine is the person to go to for all your home needs, from selling your home, re-financing, buying a new home, and getting the home loan for that purchase. She provides full realtor and financing services. She'll work really hard for you and in your best interest! read more

I am a real estate broker in the sacramento area. Josephine has helped me personally and many of my clients to get a loan. Josephine is a very hard working, thorough, and competent mortgage broker. If she cannot do the loan, she will tell you up front. But if she tells you she can, she will make sure that you get results. I highly recommend her for all your mortgage needs. read more

A friend of ours recommended Josephine. She evaluated the opportunity for us to refinance (we had refinanced already only a few months prior) and actually gave us an honest answer - we were right on the line in terms of the amount of effort we'd have to put in versus the dollar benefit we'd get. We went for it, and found Josephine to be a prompt, clear communicator. She got us a great rate. And she was just ... on it. She got the refinance done so quickly and so thoroughly. She made the folks that did our prior refinance look like turtles. I'd recommend Josephine to others and would go back to her myself should we ever have the opportunity to refinance again. read more

I've worked with Josephine twice now, to re-fi my home. She is amazing! She makes the whole process stress free and really easy. She goes above and beyond to get the process done well and completed on a timely manner. In addition to her expertise, she is very kind and all around nice person. I tend to ask a lot of questions and scrutinize all the documents I receive and sign. She is knowledgeable and gets you answers quickly. She was very patient with me and always made me feel at ease. I was able to reach her via email, text or phone. She makes the whole process very convenient. She was recommended to me by another broker and I am glad he did. She's great and I would recommend her to anyone! read more

As a Real Estate Broker for Prudential California Realty, Josephine really stands out as someone I would recommend to all fellow Realtors and clients. She really gets the job done right and you can tell she enjoys what she does. read more