Look no further, Adam is your guy! From a first-time home buyer perspective, it's hard to decide on…read morea loan officer/broker because you don't really know what to expect. But Adam exceeded our expectations and has been a tremendous help for us. We were introduced through referral via our agent and we are so grateful for the opportunity to cross paths with him. He is an EXCEPTIONAL loan officer/broker and we couldn't be happier with his service. We had a lot of questions regarding the process and were searching at a time where rates were extremely challenging, but Adam helped us find an incredible low rate, which made purchasing a home possible. We shopped around, and trust us, you cannot beat his rates! He is straight forward, honest, demystified all things mortgage/lending, and was razor sharp the whole time. With his support, we closed fast, smoothly, efficiently and he made sure it was painless. We had a planned week trip during our closing period, and he made sure we had everything in place and communicated well so that we didn't have to worry. He puts his clients first and is responsive. Something we did not realize while purchasing our home was how an optimized portal makes a difference in the process. Adam's portal was easy to navigate and user friendly compared to other platforms. He's always one step ahead, which gave us a competitive edge to secure a home. We will be using him again when we refinance and have full confidence recommending him to everyone we know. Can't recommend Adam enough!

I wish we could give 10 stars. Our experience was off the charts. Extremely professional but also…read moresuper friendly, knowledgeable, efficient and incredibly responsive. We highly recommend Adam and his team and will be back ourselves, we were truly impressed!

Every time I speak with anyone from this branch, they are more than accommodating and kind. I…read morereally enjoy using their services.

So this bank had my review removed that is a real true review…read more I have all the evidence needed to bring it to light that this bank is stealing money from member. My account would always be at a negative balance even after depositing cash into an atm. I brought it to their attention and was sent new atm cards but I was still being charged. The last card they sent I didn't even activate it to see if I as just imagining it or my account as soon as I put money in practically spent itself without activating the new card and I never got checks either. I had my account for less than a year and have NEVER had so many problems with a bank. It became depressing that all my Tip money from my clients, I'm a hairstylist, was feeding this never ending bank account. I made 1 last deposit to bring my account to good standing before I had enough of this cycle then all of a sudden my account was nearly $1000 over drawn, I was locked out of my bank access and have spent nearly 3 my months disputing my account after they have already charged off my account, sent my account to collections, put me in check systems and had a Highly Negative remark put on my credit that ultimately disqualified me from getting an apartment for my self, I couldn't pay my credit card bills without my checking account so now those are late plus added fees due to the negligence of Pacific Service Credit Union. They finally contacted me today, that Jojo bless his heart, he called to say we were able to fix your credit and take you out of check systems, we reversed all fees that you were charged and zeroed out you account. All while holding a grin I could hear over the phone thinking I wouldn't catch that last part..... wait what did you say? You zeroed out my account but I had a positive amount of funds JoJo with a "P" for positive not an "N" for negative or a "Z" for zero but a "P". While I'm grateful for my credit being fixed and being taken out of check systems, P.S.C.U is responsible for my hard earned reputation of on time bill pay being tarnished. You should be held accountable and take RESPONSIBILITY for your (knowingly or not knowingly) actions of theft and then trying to cover it up with not allowing me to log in to the account to calculate everything that was legitimately charged by me. Instead I was offered to be mailed a statement stating they ZEROED out my account. Wow you all should be terminated immediately and as a member still because you keep my saving account open, all of the staff including the president who refused to talk to me, be terminated and the member guidelines be rewriting to better suit the members since we all have shared. P.S.C.U should also be made to pay a settlement fee to cover what they have negligently done to me. It will take time to bounce back from this especially after Covid-19 and not being able to take clients for over a year.

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.

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!

This bank & this branch specifically is fantastic. I only wish I could give 10 stars instead of…read moreonly 5. The level of customer service I received from both Gary and Gina at this branch was of a caliber I would only anticipate being able to access with extraordinary dollar volumes. They offered me the kind of personal care, attention and genuine concrete help that even the most prestigious banking client would be happy to pay for. Both Gary and Gina went above and beyond to make sure I was able to close on an out of state property in a timely fashion. Due to errors on my end, the funds were not scheduled to be available until a week after the scheduled close. But thanks to the pro-active follow-up of both Gary & Gina in manually coordinating efforts with their back office and the institution from where the funds were coming from, the funds were released so that I was able to close timely. I am truly grateful for their excellent service. I HIGHLY recommend this bank and this branch!

I made the mistake of trusting Fremont Bank for personal savings. Several staff told me I qualified…read morefor a promotional interest rate and then strung me along for weeks as I opened and funded an account. A week later a banker informed me she had finally applied the interest rate, but the following week, still no rate and I was left calling in again to get information. The banker finally called and informed me I never qualified for the promotional rate. No apology, no we made a mistake, just go bank somewhere else. A follow-up complaint to a manager produced no result. This combination of sloppy work and miserable customer service has caused me mainly great frustration, but for others it could be financially costly.

I feel so fortunate to have found Scott Wise and Reliance financial…read more Reliance Financial had the best rates for a refinance, that I was able to find anywhere. Scott was so patient and available, through the whole process, helping me navigate different rate and lender credit options, answering paperwork questions, and walking me through each step of the process. In my opinion, the only thing more important than a good rate, is a broker that you can trust, who prioritizes relationship building and doing what is best for the homeowner. I plan to use Reliance for every refinance or home loan I might ever need in the future, which is a great peace of mind. Thanks again Scott!

Lucky, Scott and their whole team is wonderful !!…read more I've worked with them for new house purchase as well as the refinance and had very pleasant experience working with them. They are very knowledgeable, professional and helpful. They kept me informed during the entire process. I would definitely recommend them for anyone looking for buying a home or refinancing existing loan.

Norma is the go to person for mortgages. We've worked with Norma for almost 7 years and closed 46…read moretransactions together. She works on all types of loans ranging from Jumbo Loans to FHA Loans, and can work through all sorts of quirks to deliver her loans on time, with all terms intact. She's especially resourceful, which is critical when dealing with special circumstances. We just closed escrow with Norma on a challenging transaction where she displayed her skill and knowledge. Our client had been working with Norma for almost half a year with little luck finding the right place because of limited resources for down payment and strict controls on HOA fees. When we finally found a good home for our client, Norma was very proactive in contacting the listing agent to reassure her about our client's qualification, and her ability to deliver the loan within the promised time period. Norma delivered on her words, and both our client and the Seller were very happy with the process and outcome. As another example, Norma's preparation for the new TRID rules on mortgages made the transition into the new practice very seamless. Whatever the issue, whether short timeline or challenging transaction conditions, Norma is the go-to mortgage person for us.

Norma is absolutely awesome. She listened to all of our concerns and addressed each one…read morethoughtfully. She knows her stuff and can explain situations to people very well. Mortgage lending can be painfully confusing with all of the programs, qualifications, and various factors involved, but Norma made everything easy to understand. The most important thing for us is that Norma was HONEST! She didn't mess around with pipe dream promises, but told us exactly where we stand. She is all about ethics and not putting buyers in a precarious position come closing time. I thank Norma for her time, patience, and willingness to work with me and I absolutely recommend her if you are looking for a spectacular lender.

Denise and the whole CrossCountry Mortgage team were great to deal with from start to finish. The…read moreprocess was extremely easy and seamless. Denise spent time in the early parts of the process to ensure we found the right loan product to suit my needs. She stayed involved in the process from beginning to end to make sure it went smoothly. Everyone in the loan processing area (Marcie, Sam) were also a pleasure to deal with and made things as easy as possible.

Denise helped us secure our home loan. She is professional and very attentive to our needs. Smooth…read moreprocess. Closed extremely quickly. Would work with her again.

Marilu Ibarra was extremely helpful in arranging difficult to find mortgage. Several other brokers…read morefailed but Marilu persisted. Much of the work involved items which I think a normal loan broker would not help out with. In the end her persistence helped us to save our family home and the immense stress that would have followed with that along with the negative impact to our credit.

Justin was very nice and helpful. He answered all of our questions and made the experience very…read morecomfortable.

I was recently inspired to find a new bank, (if you know what I mean.) So I went directly across…read morethe street and found much of the same. With fewer and fewer options within the retail banking market, I realized there are not as many big names there once was. Then it dawned on me, my wife does her banking at Patelco. Personal finance can be broken down in one sentence. "Poor people spend their money and save what's left and Rich people save their money and spend what's left." They Staff at Patelco Understand That It Is My Deposits That Facilitate Their Revenue Stream. The level of professionalism the staff conducted themselves with was as refreshing as the complimentary cup of coffee. My hope is that this message get the attention of some other folks that manage businesses, and that they are encouraged to STEP UP THIER GAME, and not just engage in a competition of less for more when it comes to their competitors. I have a feeling that this will be a long and prosperous relationship. As of now, Patelco in Livermore has my endorsement.

I've got nothing but rave reviews for Mike and his team. They have handled a mortgage and 3…read morerefinances for me and my family. In fact, my dad was in the middle of a very slow refinance and Mike was able to get him out of it - at a better rate - and still closed faster than the original. They are extremely communicative, organized, well priced, and they will go out of there way to ensure every question is answered. I recommend them to everyone I know and will use them again if the opportunity arises. This seems like a paid review but I promise it's not. Use them, you will not regret it.

Mike and his team have been tremendously helpful in getting my mortgage refinanced. They are…read moreresponsive, and fight for you for the entire process, no matter how many complications. Like an idiot I purchased a new car in the process of refinancing not thinking how it would affect my debt-to-income ratio. Despite throwing this wrench into the works, Mike's team kept everything moving and still closed the deal with even better financials than originally expected. Cannot recommend any higher.