My friend and Realtor Jen Beehler with Elevate Group, referred me to Rob McCarthy with 101 Loan to…read morehelp me with the purchase of new home. From the start to the finish, Rob and his team went above and beyond to help me with the process (making it as smooth as possible) and offered the best rates and lowest fees on the market. He and his staff were always available for any question, big or small, even on weekends. They were amazing to work with and my "go to lender" for anything financing in the future. If you're looking for a great mortgage broker or lender, look no farther than Rob McCarthy at 101 Loan. He's the best!

Rob and Renee did a great job helping us buy our home. I appreciated the time they took to explain…read moreall of our options on how to obtain financing. During the offer construction process, where minutes counted, we were able to get on the phone with Rob quickly to discuss strategy and make adjustments to make sure that the loan wouldn't break the bank, so to speak. When the offer was made, the team also lent their support to reach out to the seller and reassure them that we were in a solid position to meet our obligations. Going with Rob and Renee gives a level of extra service and responsiveness that can go a long way in a competitive market where time, relationships, and market knowledge count for everything. During the contract process, they executed everything smoothly and seamlessly, resulting in a drama-free transaction. Overall, we were very satisfied with their work.

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.

Bob Bachman and his Team were phenomenal. I refinanced my property about a year and a half before…read morewhen rates were higher, and the process was a nightmare. The mortgage broker I'd used for decades took me and my business for granted and didn't seem to care about anything but my $$$. The escrow officer was exceptionally rude to me and it was a scramble to get it closed. I researched different brokers and discovered Bob. He couldn't have been nicer or more helpful. The system he has set up with his team is seamless. Everyone was responsive and easy to communicate with. Their online system is really easy to use. I have recommended him to both friends and family.

My experience was excellent. I referred my clients for…read moremortgage to buy a house. He did above and beyond his scope of service with loan processor Debbie Angulo. Thank you again Bob and Debbie for your professionalism!!!.

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I…read morewould have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez

From initial inquiry to final close of escrow, Dave and his team were there to support us on the…read more15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team!

I had one of the worst experiences here working with a lender. I will not name her due to respect,…read morebut she was not very good in communicating or double checking every one works. The underwriter is horrible as well they made me write statements for the wrong amount about me paying my taxes. First of if you do not know what the closing cost will be then just telling me, I had other lender give me a list of what the fees will cost and this lady just said it could be 40k in closing cost. Now this is during the first conversation I had with them. My heart dropped already because 40k is a lot and that will cut into my home renovations. She kept emailing me about getting these files in right away or this will delay the process within barely the first 10 minutes. I had uploaded all docs within a few hours. At this point buying a new home is already stressful having her push me and talking about delays is putting more stress. She kept asking for more docs over and over. I would have hoped she had given me the list in the first place instead of asking me for the extra docs almost everyday. When I wired the money to my escrow she emails me back with why are you wiring money from an account we have not validated, this bank she was talking about was the bank of the escrow company not mine. Again not reading and putting more pressure on me. After a long 30 day process everything was completed and I get a call from her boss asking me about my experience which was horrible. She told me shes part time and she had over 11 loans to work on, this is not an excuse for bad service if she is over loaded then tell me and I would went with someone else. Fast forward to today. I now get another email from her about a document that I had already provided I'm sure shes lost from the 100s of documents she made me send and it would be easier for her to make me resend it then to look through everything. TIP: Make sure to get someone experienced, Ask them about the process. luckily my closing escrow was 30 days. If this was 17 days I would have been F'd.

Had terms agreed in writing with Lee Chieng. Uploaded all personal financial data within 24 hours…read more A ton of them, including W2 and tax returns. Lee Chieng emailed back: "sorry, we cannot offer you the deal we agreed. But you have choices! a) pay off $70K more of your loan, b) give us $1000 more for closing cost and a 0.125% higher interest." If you were me, which choice do you make? The third one: walk away and never trust them. I told Lee that I have multiple properties and I disclosed the exact number. And when I questioned why they walked away from their offer after I uploaded all financial data, her response was: "we have a pricing engine. We go by what the computer says". Then what do you do besides the computer, Lee?? My guess is that the market rate has changed in just a couple of days and they are walking away from the deal. This experience really leaves a bad taste in the mouth. Stay away from Adeline and the team. No apologies, no concession, nothing!

Great loan offer and very quick service! Would highly recommend working with Dave and his team!read more

We have worked with Lucy Mcguire on getting a mortgage loan for the house we purchased - although…read moreit wasn't an easy deal and there were many hurdles along the way, Lucy had efficiently helped us overcome all of them and complete the deal two weeks before the projected time - we also had to refinance one of our houses as part of this process and she again demonstrated an outstanding capability to run all those deals in parallel successfully A few months later we wanted to do a HELOC on our home (Get a line of equity) - Lucy used her connections and influence to smooth up the process for us and found creative solutions to resolve several problems we faced during the process - this is what I call a value added service! I Highly recommend her work and professional and dedicated approach to everyone thinking about going forward with a real estate financial transaction

Has been her customer for many years. Great experience doing our loan with Angela. She is very…read moreknowledgeable, very fast in execution, always kept us in the loop. There was a case when we had to switch our lender/agent at the last minute due to unavoidable circumstances. Angela helped at that point. I felt that she keeps customer ahead of everything else.

Angela is very knowledgeable, professional, and very dedicated to her work as a morgage specialist…read more It was a pleasure working with her. She is very organized and precise. She made the mortgage process easy and offered great guidance throughout the entire process. She was always quick to respond all of our questions and was always easily accessible. We absolutely like working with her and highly recommend her.

Uriel goes above and beyond his job to make you feel at ease. My family and I have gone to him for…read moreyears and each time he always makes us feel like a priority. We recommend him to everyone!

Uriel is a true professional and made buying our first home extremely easy. He went the extra mile…read moreto answer all of our questions, would take the time to jump on the phone and explaining the breakdown of our loan options, and was extremely friendly and honest throughout the home buying process. Uriel constantly kept us in the loop about any new information or tasks that would come up. Even a few months after our home was purchased and we had some questions, he would get back to us immediately and offer clarity. I highly recommend working with Uriel and UVC Financial to any first-time or repeat home buyers.

I highly recommend Sue at Citi! She is professional, incredibly responsive, and genuinely cares…read moreabout her clients. Though I couldn't finish the process with her this time due to my own situation, I will definitely reach out to her again in the future. If you're looking for a supportive and expert loan officer, Sue is the person to go to. I'd work with her again!

Sue is an exceptional loan agent who made our first home-buying experience smooth and stress-free…read more As first-time buyers, we had many questions, and Sue patiently guided us through every step of the loan process. She was highly responsive, kept us updated in real time, and clearly outlined what to expect at each stage, preapproval, conditional approval and final closing! Thanks to her professionalism and attention to detail, we were able to submit a strong and competitive offer with confidence--one that closed quickly and without issues. Sue's service goes above and beyond, and we highly recommend working with her whether you're buying a new home or refinancing!