Esther and her team are amazing! We got a terrific rate and closed on our home a few days ago…read moreafter 5 years on/off trying. Essentially we worked with Team Esther 3 times, because after failing to buy a home and taking a break, each time the financials would have to be reprocessed given our life changes. But we stayed with them and they stayed with us, always with an open door and a welcome back. I can say from time tested experience how consistently reliable, accessible, and knowledgeable they are! Would highly recommend.

We had a really great experience with The Loan Story! Esther and Yvonne were super helpful during…read morethe home search process and were always quick to answer our questions. After we were under contract Yvonne provided great insight on mortgage rate trends and Paul helped make sure the process moved along smoothly. They helped make buying our first home much less stressful!

Since purchasing my home in 2003 I refinanced it twice with Tuan, resulting in progressively lower…read morerates until it was under 4.0. Tuan made it super easy and affordable. Last week I took out an Equity loan. Tuan wasn't sure he could do better for me than my current mortgage holder, but invited me to send him their estimate. He did much better than them, giving me the same rate without closing costs, and was even able to spread the loan over 30 years, which my first mortgage lender couldn't do. I always get the best deals with Tuan and I would never refinance without checking with him on what he can do. He gives me the best service and the best rate. He is also very kind, patient, and comfortable to work with. I never feel pressured. I can't say enough about Tuan at Providential mortgage.

Tuan and Mike at Providential Mortgage made buying our first home an exceptional experience. From…read moreday one, their communication was outstanding they walked us through every step of the process, set clear expectations, and kept us fully in the loop throughout. The close was quick and smooth, which was a huge relief as first-time buyers navigating a lot of unknowns. What stood out most was how thorough and patient they were in explaining everything. We never felt left in the dark or rushed. That kind of transparency and professionalism is hard to come by. We will absolutely be working with Tuan and Mike again for any future mortgage needs and won't hesitate to refer them to friends and family. Highly recommend.

Bob is great. All I can say is, he will make it happen no matter what the situation is.read more

Bob has continued to harass our family after we've asked him not to contact us. When he left NAF…read moreand went to another outfit, he took our information and started spamming us from the new organization. Now that he is back at NAF, he has started doing the same thing again. We've unsubscribed, blocked and he still manages to access us since he is doing it outside of the NAF channels. Now, he has signed us up for Homebot, which is something we never authorized. Taking someone's information and signing them up for things that they didn't authorize is a violation of the California Consumer Privacy Act. I've gone ahead and reported him to NAF a third time, contacted an attorney and will be filing a report against his license on Monday. I've given you several opportunities to stop harassing us. I have every text, email, and snarky voicemail saved. If this is the route you want to go, I'll be happy to follow through. Final warning, Bob.

Fantastic work, very quick response time. Sue lee was able to get back within just a couple of…read morehours and was able to offer competitive rate from citi for mortgage.

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!

Dave, Danny, and the entire team have helped us multiple times, and we've never had anything but a…read moregreat experience. Dave has consistently gone out of his way to help, and Danny has been great to work with as well. They're responsive, thorough, and always make sure I understand every step of the process. They take the time to answer questions, talk things through, and genuinely treat us like valued customers--not just another transaction. I can't thank Dave, Danny, and the team enough and would absolutely recommend them to anyone looking for a mortgage team they can trust.

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

We just closed on a house and James was our lender, recommended by a friend. James did an amazing…read morejob overall and I would wholeheartedly recommend him. We spoke to 3 different lenders and settled on James as he was able to give us the best rate and was also the most knowledgeable and personable. He really took the time to understand our situation (which was a bit different from the average person with us having started a new business recently) and make it work for us. He's extremely personable and a joy to talk to. Every interaction was great. He goes above and beyond in finding extra ways to help and was also very creative in thinking through each challenge/question we had.

James and his team have been truly spectacular in helping us with the mortgage loan. Right from the…read morebeginning till the end they guided us in each and every step so we can close on time. From gathering required loan docs to review of overall loan application and mainly for their patience and willingness to help in all phases of the loan process. James possess immense knowledge with mortgage loans and I sincerely thank you for all the help we got from you.

Best mortgage person in the Bay…read more Jay was incredible to work with, helped us close lightning fast, answered all my questions as a first-time home buyer, and helped me get rates and terms that surprised my realtor and impressed my knowledgeable friends. Buying a house is a major thing, with lots of stress. Working with Jay was like having a lighthouse in a storm, he was incredible. 28 out of 5 stars, can't recommend highly enough. This is your guy.

My experience has been mediocre with this loan agent and US Bank. I have done at least a dozen of…read morereal estate refinancings with different loan agents over the years, so I am familiar with the process. 1. The refinancing process was a little chaotic, and some departments in the bank were slow to move files despite borrower's multiple warnings of deadlines to the loan agent, so the loan did not close on time, which caused significant complications and expenses due to borrower's upcoming overseas traveling. 2. The loan agent promised a processing fee refund after loan closing, but he refused to honor it later. The borrower had to escalate the issue with his supervisor to get the fee refund. 3. Several months after loan closing, the title company told me they are still missing various signatures and notary acknowledgment pages for loan closing and they had to make an appointment with me to redo these pages. There seem to be many gaps in their refiancing operations.

Top notch mortgage banker. I have known Sean for last 5 years across his 2 firms and taken 2 loans…read morewith him. Cant recommend him highly enough. Super transparent, never pushy, always delivers on his promise. He cant change the interest rates that Fed or his bank decides :) but for everything else "Better call, Sean"

Sean is very good at communicating on whats happening through out the loan process. He also went…read moreabove and beyond to get us a good deal.

Have zero security in any approval/pre-approval/fully underwritten pre-approval from Wells Fargo…read more Terrible mortgage experience Wells Fargo pre-approved us then issued a conditional approval so we were good to go for closing then pulled out last minute approximately 2 business days before closing for an issue not mentioned on the conditional pre-approval and completely non-financial reason. Wells Fargo provided no way for us to respond to their last minute objections and simply denied the loan leaving us high and dry risking our deposit in escrow. Never have had such a terrible experience. Tom Forker & Eva Black were our WF focal points. Update 12/31/20: Wells Fargo Corporate office called to inform that they have denied my request for an appraisal refund & also received a letter from Zoila Sarmiento stating the same. Stay away from Wells Fargo if you value your time and money.

We've worked with Kevin Kettmann on our first home and are now working with him on our second on a…read moreshort-notice move; he's incredibly responsive and makes transactions seamless. His responsiveness is especially appreciated in situations where quick bids can mean the getting your dream home, as it did for us. He offered us the best rate by a good margin and even helped us correct an issue to get a lower rate. Highly recommend--he will help you get a deal done with his uber-responsiveness and offer (and help to achieve) great terms.

We just worked with Dan Divine at Diversified Capital Funding on finding a mortgage for our first…read morehome purchase. Throughout the process, Dan has been thorough, prompt in his responses, and professional. He communicated with us very clearly about what information we needed to provide at each stage from prequalification through preapproval and finally the real loan application. Even now after our escrow has closed, Dan is still very reachable and happy to help answer any questions we have. As first-time home buyers we had a lot of basic questions, but Dan handled all of them quickly and thoughtfully. I appreciate his effort to explain the reasons behind certain requirements and options - not just telling us what we needed to do, but why, which really helped us learn more about the nature of the process. Diversified Capital also acts as both a mortgage broker and a mortgage lender, which meant that Dan was able to find us competitive loan terms by looking both internally and externally. Finally, it's clear that Dan and his team worked hard to hit our tight escrow deadlines - 10 day financing and appraisal contingency removal and 21 day close - and we are so appreciative that he and the team were able to help make our offer competitive in that way and then come through to seal the deal for us. Thank you Dan for helping make our buying experience smooth from start to finish, and beyond! Highly recommended.

This is the ONLY place to use! This is the fourth time I…read morehave used Diversified Capital Funding, when purchasing a home. The team is AMAZING, and treat you as if you are part of a family. Buying a home is beyond stressful, but they bring ease to it. I am confident that I will be taken care of and will have all the information I need to make decisions. There is no one else I would use or trust. Also quick note, Brian answers the phone/texts even on vacation!! They make it clear they will always be there, whatever your needs (or in my case, whenever I have a panic moment).