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.

Esther and team helped us again with our refi to help us lower our monthly payment. She proactively…read morereached out and made the process super smooth. She is communicative and on top of it. We love working with her and would do it again in a heartbeat!

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.

After speaking with a few lenders, I reached out to Providential and it was immediately clear that…read moreTuan and his team operate on a completely different level. Everything was professional and above board, but his experience and guidance made the process feel far more approachable and comfortable than I expected as a first-time buyer. He offered thoughtful insight into the nuances of the process, communicated clearly and consistently, and helped me understand what really mattered at each step. Both my agent and the seller's agent were impressed, and we were able to get our offer accepted on the first home we pursued. Once you speak with Tuan, the difference is obvious. Highly recommend.

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!!!.

I don't think anyone in the bay will be able to close a loan as quickly and as efficiently as Bob…read more He is prompt and responsive 24/7. If you guys are in doubt I will say Bob is the right man for the job. A huge shout out to Debbie as well for being responsive and helping us out.

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!

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!

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.

Jay was excellent in helping us with a no cost refinance at the best rate possible!…read more He was proactive in reaching out to inform me of any favorable rate changes and was even able to help me float down the rate AFTER rate lock when I noticed there was a sudden big rate drop before we closed on the refinance. He was on top of things and communicative thought out the entire loan process. I would highly recommend him to any family or friends and would definitely goto him again for any mortgage loan 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!

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.

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).

I met mortgage agent Connie Chronis at a Los Altos Chamber of Commerce meeting and was impressed…read morewith her professionalism and willingness to work with me in refinancing my home. I had a complex plan and timeline which Connie assisted in developing. It was good to have experienced advice to walk with me through complicated issues. The loan process was terrific and I obtained a loan tailored to my specific needs. I can't say enough how helpful Connie, in particular, was in keeping the process going and following up. Please consider asking Connie to bid on your home finance, refinance, or equity line needs!