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.

Just bought our first home in San Francisco with Hansen's help. Our financing situation was really…read moretricky since I am self employed, and a good portion of my income is cash income. Every time I walk into a bank, they would just tell me no I won't qualify for a mortgage. Or when I talk to other loan officers, they would say the same thing. My colleague got a loan through Hansen and he told me to give Hansen a call. After the first call I knew I found the right person. The inflation is going crazy at the moment, I am so happy that I secure my home before things get worse.

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.

If I could give Jeanine more than five stars, I would…read more Buying my first home at 63 years old after a lifetime of renting felt exciting, overwhelming, and at times downright terrifying. From the very beginning, Jeanine was so much more than a mortgage broker, she became a trusted guide through every step of the process. No question was ever too small. She patiently explained things I didn't understand, kept me informed every step of the way, and somehow made a very complex process feel manageable and even possible. Whenever a new document, underwriting request, insurance issue, or unexpected question came up, Jeanine was there with calm reassurance, knowledge, and practical solutions. What impressed me most was how deeply she cared. I never felt like just another client. She worked tirelessly behind the scenes, coordinated with my realtor, escrow, insurance broker, and lender, and always had my best interests at heart. I truly not only felt, but knew she was advocating for me throughout the entire process. Thanks to Jeanine, I am now the proud owner of my very first home. Looking back, I honestly don't know how I could have navigated this journey without her expertise, patience, encouragement, and unwavering support. If you're looking for someone who is knowledgeable, responsive, compassionate, and willing to go far above and beyond, I recommend Jeanine without hesitation. She helped make one of the biggest dreams of my life come true, and I will always be grateful.

We have had the pleasure of working with Jeanine many times through several purchases and just…read morerecently she helped our buyer with securing a loan. Jeanine was on point every single time. She's not just thorough but FAST! We asked for a 20 day close she did it in just that. What we love most is her response time. My husband sent a message on a Sunday she got back in a matter of minutes. She makes it easy and straight forward. We will always use Jeanine for our future transactions.

I have been a Patelco member since 1987. I have never had any issues with my money and/or any of…read moretheir services. All the staff have been extremely nice! I don't understand some of the negative reviews. Today, my husband and I went to this Patelco location to get documents notarized. I remember Patelco gives free notarization to members. Alex Sanchez, Branch Team Lead, helped us with getting 6 documents notarized. Alex was so helpful from beginning to end! He was pleasant, helpful and patient. This young man deserves more than this review! Come visit a Patelco branch. And if you happen to visit the Brentwood, CA branch, see Alex Sanchez. He can assist you with all your banking needs!

Patelco deserves a 5 star rating. I have been a member for about 10 years and my experience with…read morethe branch, online and on the phone has been top of the line service. Even when they shut down access due to the cyber attack, I appreciated what they did to protect our accounts.

Sometimes, when you see reviews on Yelp and most or all of them are 5 stars, you wonder if someone…read morepaid all their friends and relatives to write reviews, LOL. In this case no need for doubts, Chris deserves all of the 5 star reviews. He made the whole process as painless as possible and was super responsive when any questions or issues came up. Highly recommended!

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!

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.

Everyone was delightful. The Branch is clean and there was not a long wait. I do think Tellers…read moreshould be in a traditional protected area.

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.

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.