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John Chess - EXCEL Realty Mortgage

5.0 (11 reviews)
Closed 8:00 am - 8:00 pm

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Ask the Community - John Chess - EXCEL Realty Mortgage

Review Highlights - John Chess - EXCEL Realty Mortgage

We chose John to represent us in the sale of our condo in North San Jose after running in to him at a open house.

Mentioned in 3 reviews

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Hill Mortgage - our first home

Hill Mortgage

(164 reviews)

We worked with Scott and Lisa 27 years ago to buy our first home and they were fabulous. Even after…read morewe sold that home and started renting, they kept in touch with us with a friendly email every once in awhile. So when we were ready to buy again recently, we knew where to go. And they did not disappoint. They worked really hard to get us into our dream home and it all went so smoothly. They even recommended an awesome realtor as well. We couldn't be happier. We recommend Hill Mortgage to everyone we know who is even thinking of buying a home. Thanks, Scott and Lisa!

We are incredibly grateful to have worked with Scott and Lisa as first-time home buyers in San…read moreFrancisco! As a top mortgage broker, the Hill Mortgage team has an incredible depth of knowledge regarding the entire process and helped us with a personalized approach towards a loan that fit our specific needs. Additionally, Scott and Lisa stood out with 1) comprehensive 1:1 consultation with us as first-time home buyers, including an orientation on the process and fundamentals of purchasing a home and securing a mortgage; 2) proactive work ethic and always two steps ahead in every step in the process with frequent check-ins (personalized and highly informative video updates, coordination between agents and lender and title company, etc); 3) timely communication and availability with any important or basic questions; 4) incredible ability to close on a tight timeline, while we were on an overseas trip. We would love to work with the Hill Mortgage team again for any selling or buying needs; anyone working with the team would be incredibly lucky!!

JVM Lending - JVM Lending

JVM Lending

(433 reviews)

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.

We had a great experience working with this lending company throughout our home loan process. From…read morestart to finish, everything was smooth, organized, and stress-free. Communication was excellent -- we were kept informed every step of the way, and any questions we had were answered quickly and clearly. The team was professional, responsive, and made the entire closing process easy to navigate. We truly appreciate their support and would highly recommend them to anyone looking for a reliable and efficient lender. Thank you Hannah, Erin and JVM team.

Chris Kamali - US Bank - Great loan programs and rates!

Chris Kamali - US Bank

(118 reviews)

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!

Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

Esther Chien - The Loan Story - Esther Chien

Esther Chien - The Loan Story

(184 reviews)

West San Jose

Service requested: Refinance We first connected with Esther…read morea few years ago and never forgot how professional and genuinely helpful she was. So when it was time to refinance, calling her was an easy decision! Esther makes what could be a stressful process feel easy.. She explains everything clearly, is incredibly responsive, and truly has your best interests at heart. She and her team stayed on top of every detail from start to finish. Quality: Top-notch service and attention to detail Value: Excellent guidance and a smooth, stress-free experience Highly recommend Esther and her team!

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.

John Chess - EXCEL Realty Mortgage - mortgagebrokers - Updated May 2026

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