Nicole was PHENOMENAL. Tasked with our impossible timeline of selling our home and buying another…read moreone with the funds, Nicole went above and beyond including working late into the night and on weekends to get us approved. The process was very smooth despite lots of t's to cross and i's to dot. She was very clear on her deadlines and her escrow estimates were accurate so we never felt overwhelmed throughout the nearly 3 month process. And with our house secured I can finally cash in on my dream of owning a boat! Regards, Donna and Garrett Allen

Nicole is so great to work with! She was patient with my questions and concerns. She is so…read moreknowledgeable and kind. I really appreciated her expertise and relied upon her guidance. I would highly recommend working with Nicole for all of your mortgage needs.

I just bought a house with Hansen as my agent. I'm very impressed with Hansen's promptness in…read moreanswering every question I had and his attentiveness to all my inquiries and needs in a professional manner. He was also very kind and patient. I put in several offers before getting accepted on one. He never pushed me on offering a price higher than I'm comfortable with and always worked with my interest in mind. I feel confident working with Hansen and highly recommend him as your realtor.

I've had the pleasure of working with Hansen for his client on a commercial real estate…read moretransaction. Hansen, to say the least, was very professional, knowledgeable, and had the fiduciary interest of his client at the forefront of all discussions. I highly recommend Hansen for any real estate needs!

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.

First time home buyer and Jeanine took care of us like family. She took calls and responded to…read moretexts at any time of the day. She was able to answer my questions in terms that I would understand. From the start she knew our concerns and worked around it such as hard and soft credit checks. She was amazing to have on our side because once we started putting in offers, she was able to accomodate any timeline our realtor put to have a competitive edge. Besides her website providing notifications and reminders, she personally texted to remind us what documents were pending. She was able to get us a good interest rate and really broke down the differences in how much we put down and how that would affect the interest rates. She even broke down future recasts and how that would lower our montly payments. I'm glad to say she'll be my broker for life or until she retires. Can't wait for her call to say lets refinance when the interest rates lower.

Jeanine was wonderful to work with, especially as a first time buyer. We had a LOT of questions and…read moreshe was quick to answer them, and was easily reachable when needed. She was diligent about sending us reminders and kept us on track with to do lists, which was so helpful. She also helped explain things easily so we could understand. Our whole buying/loan process went by quickly and very smoothly with her guidance. Even post closing she has been so helpful to us and we really value Jeanine's expertise and care.

Davina was really great! amazing customer service and very patient and she helped me and my family…read moreopen new accounts.

This branch has a friendly welcoming environment felt the minute you walk in…read more As the Executor, I've been dealing with some family estate issues and a problem with the estate. It was unable to be cleared up with the bank of the estate. I then went to Patelco in Brentwood and spoke with Mgr Shayna Rahimi, who helped me work thru the problem to completion. It was a great relief to not receive the run around and have this issue resolved. I highly recommend Patelco

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.

Pacific home loans have been our brokers since 2014 and we have done three refi with this and ever…read moretime has been a great experience. Dean Lob and his team knows their stuff and gets the job done. Thanks for another job well done. Greg and Sharon Y.

Rafael Pimentel is a man of his word and that goes a very long way when doing business with me…read more The follow through, the accuracy and the communication were spot on. I have walked away from lenders who brag to be in business for 50 plus years and still have things "pop up" that are needed; not the case with Rafael. Things happened when he said they would happen and how he said they would happen! I am a very particular guy about my finances and I am 100% happy with the entire experience; right down to Rafael's signature phone greeting, "Sir, I have some great news for you," each time he called me with updates.

Paid Walter money to help fix credit and to see what options we had for buying a house. He took the…read moremoney and never did anything. I have tried to meet up with him multiple times and nothing. I have called and left voicemails, text messages, and emails. Still nothing. I have tried and tried to be patient and understanding. But at this point I have had enough. It's been 2+years dealing with this. I'm going to be talking to a lawyer about this.

My Experience With New Beginnings Realty & Lending…read more I was informed about Walter's extensive knowledge in the mortgage industry by a long-time co-worker; so I entrusted her evaluation of his wisdom and began the process of submitting documents to begin a refinance. The initial steps went well as I had all the necessary documentation filed at home. However, upon filling out the loan application I, unfortunately, had to mark that I had filed bankruptcy within the last 7 years. I told Walter of this with doubt beginning to fill my consciousness and he reassured me that he's worked with customers having a bankruptcy on their record before and that it would not be a problem. So as the refinance process began to take shape, of course, the pitfalls began to present themselves in ever mounting fashion! Pitfall #1.. come to find out, the credit union placed a lien against my home for the balance of a HELOC loan and credit card that were included in my 2013 bankruptcy totaling $35,000. This particular pitfall was extremely detrimental to my plans of pulling out $100,000 from my home whilst maintaining a mortgage payment that I could comfortably afford on a monthly basis. Walter now needed to request a higher refinance from the lender which resulted in the loan having an adjustable rate; but Walter was now arranging a loan where I would be pulling out $115,000. Pitfall #2.. somehow during the bankruptcy, a partial payment was made which means my mortgage payments now appeared to be a month behind with a balance of $800 due to make up the difference and bring the mortgage current. Upon word of this, the lender Walter had been working with on my refinance PULLED OUT stating that I'm 5 months out of bankruptcy and behind on my mortgage again. Although, this WAS NOT THE ACTUAL SCENARIO; it just looked Extremely Bad. After this surprise development Walter called me and asked would $90,000 allow me to purchase the necessary equipment to begin my business. I said "yes, it would." He then asked would $80,000 allow me to purchase the necessary equipment to begin my business. I quickly thought about it, and said "let me not be greedy, yes I can work with that." Walter then said "okay, what we'll do now is get you a second to get your money and then in a few months we'll consolidate the two loans into a new mortgage." At this point, I'M TOTALLY VESTED in Trusting Walter's Experience; his Moral Ethics; his Willingness to help me achieve my vision; and his Knowledge of navigating the ins and outs of the mortgage industry. After a few days Walter called me to say that I needed to come in to sign and notarize documentation for the second mortgage and a cash payout of $79,000. After signature, I amended a couple of documents via e-mail with the title company and VOILA on December 19, 2019 a deposit of $80,005 was made to my checking account. Then as I was riding home on BART and just thinking about all that has happened, I realized something... since this is a second, I STILL HAVE MY 15 YEARS OF EQUITY IN THE PROPERTY and the money to pay the second note is sitting in the bank! I'm pretty sure this means that at the time of consolidation, I could still pull out the additional $20,000 bringing my total to $100,000; which is great since I just blew the head gasket on my 1996 Pontiac (a new car is needed at this point). Although my initial attempt at refinance crashed and burned due to the unforeseen circumstances I myself had unknowingly created; I witnessed FIRST HAND Walter's EXCEPTIONAL KNOWLEDGE of the various processes needed to make my dream vision come to fruition of getting money out to purchase business capital. He QUICKLY Bounced Back with a plan JUST AS GOOD to make my vision come true after encountering what seemed like insurmountable roadblocks to my refinance! My next step is to get my 26 year old daughter in position to purchase her own home in 2020 so she can stop paying $1,600 for a studio apartment in San Francisco. ______________________________________________ In response to the other reviewer that posted a one star review, I'll say this; maybe you needed to show just a tad bit more faith in Walter because he basically got me $80,000 even though I'm only 5 months out of a bankruptcy filed only 6 years ago. And let's not forget that during the aforementioned bankruptcy, a banking institution used ALL Options Available to Them in order to recoup (at a later date) the $35,000 that I couldn't pay.

When was the last time I opened up a back account? Its been so long, I reckon about 15 years ago. I…read moream glad that I decided to open one with Travis Credit Union. Although the wait was substantial because there was a lot of customers, the process was very smooth and informative. I chose right to bypass the online application because the person that helped me was very friendly with lots of information about the different accounts that were available. Like Patelco, my first CU, Travis offers great services without the bloat of your regular banks. Solid 4-stars with my first interaction with Travis Credit Union.

I came here because it had one of the best brick and mortar high interest savings rate in the area…read moreat the time. It has done well. I met Nicole who was a knowledgeable and friendly banker. She was just awesome and an asset to the bank. I did deduct one point from a perfect score because Travis did not give me an ATM card unto the second try and then failed to mail a pin code which I have read in other reviews as well. They told me they went with a new company that delivers the PIN code and I have requested this several times and was ordered a few times but never came. I ordered it to the bank itself to be kept in their vault they said-NEVER came! I ordered it to the house-NEVER came! I gave up and don't use the ATM anyway as I go into the bank itself which you do not need a card like other banks so they tell me. I have never withdraw yet because it is in a multi-month CD so when the time comes I will update it it goes smoothly to withdraw my money or not?! That kind of makes me suspect in reality why are they having so much trouble with a PIN code being delivered to its customers-like do they want to prevent people taking their money out!? However, I did check and TCU has a good and solid bank rating. It is insured by the NCUA (like FDIC but for credit unions). At least making some money, since regular big banks are not giving anything other than pennies literally. So I will update if anything is questionable or not good, but so far it has been great and I earned a good amount. I did rollover into the best interest rate again although it was a bit lower, but still decent among the brick and mortar. You can get quite a bit sometimes with online banking, but I honestly do not trust online banking because there is no place you can go to if sometghing happens and they shut down and cannot reach them online or on the phone, who can you go to?! At least the brick and mortar places, you have someone you can yell at or get your money hopefully and I mean if they invested in a physical place with employees,etc more of a chance it is invested in its company. Updated to add: manager read my Yelp and personally called to help me with getting an ATM card and PIN code. She apologized for the problem and said she will do anything to make it right! Way to go- I appreciated it being a customer and not just an account number like in the big banks. I like TCU even more now!

Well, where do I start? I met Tony a few years back when I initally wanted to sell my home. After…read morelisting my home with him I got cold feet and withdrew the listing. Fast forward 2 years later, I then called Tony for some help to do a sell my home again and Within 2 months of relisting it agin, he found an All cash Buyer and we closed on the sale 30 days later. Tony had been a fixture every since. Whenever I have questions, or concerns, he has always been available to answer them. Now Im ready to buy a home again, and Tony is still there to assist in anyway he can above the call of duty. I highly recommend his services!

From the owner: We serve buyers and sellers specializing in performance driven problem solving skills. We complete…read morethe loan and real estate process achieving home ownership with a focus on your needs.