Great rates, great service and great people…read more It was my first time refinancing and I was recommended by a friend to hit up Rich and the team at Ezqualify. I compared rates out there with places like Better.com, Quicken Loans, First Republic Bank and another broker and nothing could compare with the rates I got from them. I had a prepay penalty on my existing loan of around $5.5k and wanted to see what options I had since rates were so low. I ended up getting a great rate even though I took a slightly higher rate to cover refinance cost and the prepay penalty. The lender gave credits and Rich made sure that he structured the loan in a way that would not leave any credits on the table. Rich and Leah were both fantastic. They were professional, responsive and very patient with the many questions I had as someone refinancing for the first time. Furthermore, I really appreciated their extra effort in getting me locked in on New Years eve. I would highly recommend Ezqualify and would go with them again on a new mortgage or refi.

I've had the recent pleasure of working with Rich and Leah at Ezqualify. Rich is one of the most…read moresharp and knowledgeable brokers I've ever come across. The way he analyzes your situation and provides you options is amazing. His assistant, Leah, is always top of all the communication, round the clock. Together, they made the process of refi for me as easy as it could be. I've done several refis before but this was my first with them. And I can say that they know their job very well. The requirements were well defined from the start and the documents exchange was to the point. This was my first project working with Ezqualify but definitely, won't be the last :)

John was super helpful from Day 1! After being referred to him by a friend, John scheduled a call…read morewith us the very next day and spend 3.5 hours going through the entire home buying process in great detail--from what to expect when we visit homes together, getting into contract, each contingency (pros and cons to waiving any of them). We were so appreciative of all this information as we were completely new to this process being first time homebuyers. After finding home listings we wanted to visit, he spend the next 2 weekends showing us homes. Each time, we spent over 4 hours with him. He was very professional, always on time to meet us, pointing out good and bad things in every home we visited. Once we were interested in what would be our future home, he researched the property and provided more information about what to expect. We had questions, and he took contacted the seller's agent to answer them all. During the negotiating phase, he always kept us on the loop and continued to be very responsive. His negotiations skills were right on target and he outlined what the best competitive offer would be for us to get our home. He wasn't pushy and completely left us to decide how we wanted to proceed and which price we wanted to bid. After our offer was accepted (we beat out 3 other offers) John stayed on top of everything as we hoped to close in 25 days. Everything went very smoothly. He reviewed all the documentation and disclosures provided by the seller, and he flagged the sections that were more important, and things that we didn't need to be worried about. He also coordinated with the mortgage bank (which he referred us to and we loved), seller, and title company. And then finally, he gave us the final call when we were officially the new owner of our first home. We had an amazing experience working with John, and we will be working with him when we decide to buy our next home!

We were first time buyers and we are so thankful that we had John to help and guide us throughout…read morethe whole process. John proactively guided us in different aspects and helped us understand the key aspects of home buying to make informed decision. He never said no to any of our requests, he was always there when we needed him . He never asked us to over bid but supported and guided us to make correct decisions. John is gem of a person and we always loved interacting with him . If you are looking for a realtor in bay area , John definately is the best .

I give Paul Lackovic the highest rating for a mortgage broker. I attempted to purchase a home for…read moreover two years. I had to make over a dozen offers. With each of those offers I needed the mortgage estimates and approvals. Paul was there for me on off hours, weekends, and holidays and always came through on short notice. Ultimately, Paul helped me to secure as good of a loan as I could have gotten, was very responsive and thoughtful in answering my many questions, and was above board on every transaction. Paul is everything a home buyer needs in a mortgage broker. I highly recommend him.

John Lofano and his team did a great job helping us with several loans. The first one was a…read morepurchase of a primary residence. They were able to help us to get through an extremely complicated approval process that was due to a number of factors (commission based income being a big part of the problem). Subsequently, they worked with us to refi a rental property and were able to get us to a very attractive rate with minimal effort on our part. John, in particular, is very detail oriented and goes to great lengths to communicate in a manner that is really appreciated. He exhaustively covers a level of detail in written communications that ensures people who are not mortgage experts can clearly understand the process. This, coupled with his patient demeanor, made working with him a very pleasant experience. Or, should I say, as pleasant an experience as it possibly could be given the nature of what lenders require. I would highly recommend working with the team at Coastal Residential Funding.

Ayinde helped us buy our very first home. He helped me with the inspections and even attended and…read morepicked up my keys and delivered them to me. He went beyond the call of duty to help.

We worked with Dom for 8 months to find our dream home, and we cannot recommend him highly enough…read more When we had to pause our search for personal reasons, he was incredibly patient, understanding, and supportive every step of the way. He never pushed us beyond our budget or comfort level, and his insight into the market and pricing was always spot on. As first-time home buyers, we especially appreciated how helpful Dom was in sharing his knowledge about home care and connecting us with valuable resources. He made what could have felt overwhelming much easier to navigate. He also has a great eye for rare finds and helped us pursue the right home at a very reasonable price. Dom guided us through the entire process and made such a complex journey feel seamless!

We bought 2 homes with Dominic as our buyer agent, both of them are great deals (lower than…read moreappraisal price which is extremely rare under the current housing market). He's super patient, and never asked us to blindly increase our budget/offer price. He is also quite resourceful - who can always recommend the best loan agent/general contractor etc. If you are someone with limited budget, and looking for an agent who truly stands on your interest, Dominic is the best choice!

I was referred to Zach by a friend and it was like hitting the jackpot. As a first time homebuyer,…read moreit was crucial to have someone who was willing to guide me through the process start to finish, and Zach did that and more. At the beginning of the process, he really spent a lot of time helping me narrow down the parameters of my search and decide what would be the best investment, make for the best quality of life, and stay within our financial means. Once we were ready to start writing offers, Zach coached me through the process and all the various decisions that go into writing one. He gave us great comps to help us understand how much the places we were interested in were really worth. We ended up writing four offers before finally settling on a place that we are so happy with. He also calmly guided us through a few minor crises while we were in escrow and beared with us as we changed our minds a couple times as to how to handle the situation. Lastly, I just wanted to mention that Zach was available whenever we needed him, which is obviously crucial. There wasn't a single time where I reached out and didin't get a timely response in the 4-5 months we were working together. I feel very lucky to have been connected and would refer Zach to anyone looking to purchase a home.

Recently my childhood home came up for sale, Zach is the realtor that answered my call. Little did…read moreI know what fate had given me. I explained to Zach that I was not wanting to purchase, I wished to tour the home I grew up in, he did not hesitate to assist my needs. My sister and I met Zach at the house and he allowed us to wander, reminisce while giggling like school girls as we reminisced. Many questions were asked along the way as we have not been in the area for over 50 years, Zach had all the answers. What a lovely day we had! We spent much time getting to know Zach and his history. I can not say enough about this intelligent young man! He is knowledgeable, sincere and above all kind. You will never regret choosing to spend time with Zach or having him handle your business affairs. You will find as I have, you will have made a friend for life.

We first met Stephen Theard yesterday, and although we decided not to pursue the particular home we…read moreinitially had an interest in, were extremely impressed with and appreciative of his professionalism, responsiveness, listening/understanding of our needs, and his knowledge of the intricacies of the current market in this area as well as in the state of California. We would recommend him highly based on this initial interaction alone.

My Husband and I were looking for our very first home together around Santa Clara/Sunnyvale…read more Working with Stephen to purchase our home went very smoothly. He was attentive to our needs and made himself available for all questions. He started off the process taking us to neighborhoods we did not think we would be interested in to aid us in the search process. When we found the home we liked, he was quick to obtain information on it and even met up with us after-hours so we can look at the home to put in a preemptive offer. We are very grateful for his help!

My experience working with Spencer to find a home was outstanding. He is detail oriented, listened…read moreto exactly what I was looking for in a home, and came up with a plan to view over a half dozen excellent options in short notice. Every place he showed me fit the criteria I was looking for, and he knew each neighborhood inside and out. He is extremely responsive in his communication, honest in his opinions, has an excellent perspective on the market and is a pleasure to work with. I have already recommended Spencer to my friends to assist in their home hunt and I would not hesitate to work with him again.

Spencer did a fantastic job. He is professional, friendly, knowledgeable, and helped us get…read moreour dream home! I highly recommend Spencer, and would use him again for any future real estate needs. One big thing to note is that even after the close, he is more than happy to help with any questions and ideas.