My boyfriend Alex recently went through a mortgage refi, and it was a smooth process, THANKS TO JOE ADAMSON! As a first time homeowner, Alex was going through a very stressful time not knowing where to begin or what to expect... but Joe was extremely helpful and patient with Alex, especially with explaining the entire process to him. He was always responsive with emails and phone calls, and even called Alex from time to time to check up on him and see how he was doing. The process took a while, but Joe got the job done. My boyfriend is not one to write YELP reviews, but he asked me to write this review on his behalf because he TRULY believes Joe is great at what he does. If you are looking for someone to guide you in the right direction, We HIGHLY recommend working with him! read more

If I could give Mortgage Magic (MM), Doug Jones and his team 10 stars, I would. My husband's family has known Mr. Jones for over 20 years now. MM helped his parents and two older brothers purchase their homes. In 2011, MM helped my husband purchase his first home in the Fremont area. We've lived there for 5 years now and love our community. Since I was not very involved with the purchase of our first home, I had only heard of Mr. Jones' professionalism. This time around, I got to experience it first hand when my husband and I decided to purchase an investment property in the San Fernando Valley. Mr. Jones went above and beyond to help us with this purchase. I will share that my husband and I were committed to purchasing a home down in the Valley in order to help my parents live closer to family and my siblings. They were living out in Palmdale, CA but were not very happy. From the get go, Mr. Jones demonstrated an upmost professionalism and work ethic. The difficulty with the purchase involved the timing and location. Mr. Jones and MM were in the Bay but we wanted to purchase in LA. But that didn't stop Mr. Jones. He came down to visit some homes with my husband and me. He called and dealt with some pretty unprofessional people just to ensure we got the best deal. He even came down with his wonderful wife, Trudy, to LA despite being ill in order to be present the day of a property inspection. Boy are we glad he was there! He was honest about the condition of the property; it wasn't worth our time. After 3 failed offers, we finally found the perfect home. Mr. Jones and MM were prompt, responsive, and drove down to look at the property when my husband and I couldn't due to our work schedule. Some may think we are crazy, but we didn't even look at the property in person before purchasing! But that's because our family in LA had seen it and because we had trust in Mr. Jones and his team to do right by us. And right by us they did. We are so incredibly blessed with our new home down in LA. It's been about 2 months now and my parents live comfortably. My father was so impressed with Mr. Jones that he decided to retain his services in order to sell his home in Palmdale and move back to the Valley into the home we had just purchased. Let me tell you a little about my father. Please excuse my oversharing but this is a man who lost his home to a foreclosure in 2008 during the mortgage crisis. This is a man who was priced out of the Valley and had to move out to high desert area in order to own a home. My father, a very kind man, doesn't trust just anyone because of his experiences with shady real estate agents. But my father saw the quality and professionalism in Mr. Jones. My father is a monolingual Spanish speaker, and Mr. Jones made sure that someone who spoke Spanish was in constant communication with my father. This is what it's all about ladies and gentlemen: Providing access and quality services to everyone regardless of language, race and creed. Beyond all of this, Mr. Jones and his team have shown that they are simply high quality human beings. I write this review today from the comfort of my home in the Valley, where I now get to see my parents living happily and close to our extended family. We are just days away from closing on the sale of my father's home and we couldn't be happier. We are truly blessed to know Mr. Jones and his team at MM. Please don't hesitate to reach out in case you have questions about my experience. I can't write more because this review is already longer than most according to Yelp. But rest assured that you are in good hands with Mr. Jones and his team at Mortgage Magic. My family and I owe them a great deal. Thank you, Doug and Mortgage Magic for all that you have done for us. read more

I had my first consultation with Joe Adamson yesterday. It was wonderful. I am just thinking of buying my first property, so naturally, I had a lot of questions. I didn't have to bring much to the meeting, but by the end, I had a clear understanding of: my credit report and everything related to it (what's great, what's less than great, what looks like a problem but really isn't), my personal balance sheet (what a lender will think about my income and my liabilities), what we'll be able to do to mitigate some things when the time comes to apply, and the size of the mortgage I'd qualify for. Joe also advised me on average timelines and order of steps involved in buying a home, as well as costs of ownership. I now feel armed with knowledge and ready to proceed, and look forward to working with Joe in the future. read more

Heather Kulp is the BEST IN THE BUISNESS! We have worked with her over the last 10 years. Heather is very responsive, caring, and will become part of your family and HIGHLY Recommended for your home loans and refi's. Heather is very knowledgeable and will work to get you the best she can for your special loan needs. Thanks for all you do Heather! read more

Doug and his team are great. Very straightforward. The team is is very responsive very knowledgeable. I highly recommend this group of people for your home loan needs. read more

I have known Doug Jones for many years, he is very professional and always looking out for the client's best interest. He and his team are organized, fast, and easy to work with. Our most recent experience involved an inherited home, an estate trust, and a refinance. We were already feeling a lot of stress due to the loss of a family member, but Doug set us at ease, worked the numbers, and instilled confidence that things were going to work out well. The process was fast, easy (much of it is done online), and stress free. Doug has a great sense of humor and really showed that he cared for us. The final loan terms were simply amazing. I highly recommend Mortgage Magic, there is nobody better. read more

Heather Kulp deserves a 10! Not only because that is her level of professionalism and "can do attitude" even when things seems impossible but because she made true magic with our bridge loan. Two loans in one, that had every possible thing that could go wrong come up yet she made it all happen! She handled many hoops and guided us on how to jump over them and keep pushing through. We had a contingency that could have cost us a fortune and I am SOOOOooooo HAPPY we got into contract on both properties closing our old house and moving into our brand new home almost simultaneously. Best of all, Heather's MAGICAL work ethic resulted in cutting down much of the out of pocket expenses we would have had to pay had this bridge not been possible!!! read more

Wendy Wong of Mortgage Magic is one of the best mortgage person I've ever worked with. We've bought and sold plenty of houses before but this time, it's different. It's the pit bottom of the mortgage crisis and I no longer have a full-time job. I'm an entrepreneur/business owner now and it has never been so difficult to get a loan in my entire live. We went to at least 5 different mortgage firm and none of them came through for us. Wendy was the only one who did it and more. The rates are outstanding and she really made sure we got all the necessary components we needed. Time and money wasn't on our side and we refinanced on 3.7%, which was an out-of-this-world rate. Wendy, thank you!!! - Michael Soo read more

My fiance and I recently purchased our first home in Hollister, CA with the amazing help from Joe Adamson at Mortgage Magic. It was an absolute delight working with Joe who has made the whole process super easy and stress free for both of us. Without a doubt, Joe is extremely honest, trustworthy, knowledgeable, and is always looking out for the best interest of his clients. At this point, we can both say that there is nobody else we would have rather worked with. I highly recommend using Joe Adamson for all home loan needs. read more

If you want a painless and pleasant mortgage transaction, then Nancy Pham-Nguyen is the right agent for you. She has helped my family with two refinances in this tough, volatile real estate market. Nancy really delivers on client service - she's been extremely diligent, honest & thorough from start to finish. From endlessly searching the best rates, guiding/explaining paperwork to assisting all the way through the Title process, Nancy always has her client's best interest in mind. With Nancy on our side, we never have to worry about the refinancing process. We get excellent rates with quick, honest & friendly service. read more

Very well recommended. I needed to refinance an investment property and Joe at Mortgage Magic came through. He undercut the several quotes I got from larger banks like Bank of America, Wells Fargo and Chase as well as from two private brokers by thousands. There was no bait and switch on the rates and an easy quote right up front so I knew how much it was going to cost to close. I almost didn't trust him at first because it seemed too easy, but having gone through the process, I can say that it was just that easy and I would use them again. Joe was very responsive to all my contacts and really knew the ins and outs of the trade. Having several investment properties in different legal entities can be off-putting for most banks and some brokers. It was nothing he hadn't seen before and the process was really easy. I recommend Mortgage Magic for anyone considering financing for real estate in California. read more

I'd recommend all of my friends and family to Mortgage Magic. Gloria Kohn was absolutely wonderful and worked as my lender and realtor. She went above and beyond, helping my new family find our first home, making the impossible possible. I can't say enough and am so grateful and blessed to have been led to her and Doug. Thank you both! read more

don't be alarmed by the name. mortgage magic is branded as the 6th larges loan office in the bay area and hold a lot of credibility. i found out about them during a charity event. i've done a refinance with mike wess and let me tell you, he kept me updated every step of the way. he's knowledge of the loan business got us through our refinance very easy. not to mention their access to thousands of lenders got us the best rate we qualified for. i will definitely use mike wess for all my financial needs. 408-975-2400x169 read more

I have worked with Doug and Gloria for many many years, and even when time passes and I call for information or help like yesterday, they are always happy to hear from me, and go above and beyond to make sure all my questions or concerns are answered. Doug helped me out some documents for me and emailed to me on the same day. I love working with Mortgage Magic and if I could give them more than 5 stars I would!!! Both Doug and Gloria are extremely knowledgeable and professional!!! Laura Rodriguez read more

I give Doug Jones and his company ( Mortgage Magic ) a rating of 5 Stars! They are the top of the line when comes to anything relating to real estate loans - of any type. I've had business experience with Doug and his staff for almost twenty years and have never been disappointed. Their professionalism, integrity, knowledge and customer service is outstanding - across the board. Doug is also an excellent magician. His performances have been viewed by thousands over the years with great reviews. Honest, intelligent, professional and caring are just few adjectives that come to mind when I think of Doug Jones. read more

When I think of people that I would like to associate my business with, I think of Doug Jones. Doug is not only one of the most honest and trustworthy people I know, he is also very caring and patient. I have known Doug for many years as a top producer in the real estate industry. Years ago when I refinanced my home, I chose to work with his team. Throughout this time, I have come to admire and respect Doug because he leads by example. We have closed many transactions with Doug and we enjoy every single one. Doug keeps his word and is always gracious with every client. read more

I have to say, I was very nervous buying my first home. I heard stories that you have to sign a billion pieces of paper, send a ton of stuff either by email or snail mail, call a hundred people every day, and then get a realtor to help you find a house. I decided to suck it up and do it. The first person I called was Mortgage Magic. Looking on their site, I picked Joe Adamson, there was something about his face that gave me a feeling like I could trust him, not to mention his extension was 123, which I found neat. He answered his phone right away and after chatting for only a few minutes, I knew I had picked right. He explained everything I needed or wanted to know in great detail and would always have an awesome story to back it up and help clarify. Whether it was emails, phone calls, or in person meetings, I was always well informed with everything going on. I know this may seem weird, but these guys have a passion for mortgages, and that puts them above all others. As I said before, I was nervous with this being my first home, but once Joe and Mortgage Magic took the reigns, everything went smooth and streamlined. Even when the broker was on vacation, he was still able to help me out. Joe handled everything and the work I had to do in order to get my loan was so minimal, it was amazing. A couple phone calls, a few emails, and a few signatures and I was done. Not only was it fast and simple, but being who I am, I like to know what is going on and make sure I am getting the best options. Every time I asked a question, I would get a response in extreme detail, which showed me that even though I asked, Mortgage Magic had already done the best thing. Long story short, i'd give Mortgage Magic 6 starts if I could. Fast, easy, and informative. I would recommend Mortgage Magic to ANYONE who wants mortgage help. If you want someone who is not there to just, get the job done, but instead do it right, call these guys!! read more

I am a veteran home owner & have worked with many mortgage companies over the last 35 years. None of the past companies are in the same league as Mortgage Magic. My wife & I wanted to consolidate debts & improve our home while reducing our monthly payments. Joe Adamson showed us a number of options which helped us accomplish all of our objectives. Joe is very knowledgeable & patient. He helped us through the steps needed so we could close on time to meet some important deadlines. Wish I could give Joe & his company 6 stars for superior service. read more

We worked with Heather Kulp at Mortgage Magic and she was awesome. She set clear expectations and really drove all of the parties involved in a timely fashion (under-writer, title, etc.). I look forward to doing business with Heather and Mortgage Magic in the future again! read more

We recently purchased a new home and Joe Adamson at Mortgage Magic was our broker. First I must say it was an absolute pleasure working with Joe. When it comes to financial dealings it helps when you can trust someone and I trust Joe. He made the process super easy and was on top of everything at all times. I highly recommend using Joe Adamson for any type of home loan needs. read more

Wendy Wong made our first Bay Area home buying experience a smooth and seamless process. Coming from out of state, we were prepared for many hurdles including securing a reasonable home loan. Wendy was able to find the perfect option for us, and as our escrow moved forward she worked diligently toward helping us close on time, even early! We will choose Wendy Wong and Mortgage Magic again, and recommend her without hesitation. read more

My fiance and I were first time home buyers purchasing a home about 80 miles from where we had currently lived. Wendy was very responsive and throughout in her explanations; no funny business, just a simple 30 year fixed. She worked some 'magic' and not only got us approved but for more than what we expected. Our realtor, who works with several mortgage brokers, said she was top notch. I highly recommend her services. read more

I have used Randy South of Mortgage Magic for three different loans and re-fi's over the past 9 years. If I didn't already have the best rate (thanks to him!) I would use him again in a heart beat. Randy is diligent, excellent with communication and also a really nice engaging person to be around.. The costs through MM were far lower than I found elsewhere. I have recommended Randy to many friends and all have had nothing but positive things to say about their experience. Need a mortgage or re-fi?This is your company and Randy is your guy! read more

If you need to refinance or purchase a new home, contact Heather Kulp. She is knowledgable in all aspects of the mortgage process, professional, and takes the time to make sure you understand everything involved. She always keeps you informed every step of the way. She always makes sure your needs are met without hesitation. She helped me refinance several properties, though challenging, in the end, I saved a great deal of money!!!! Give her a call and you won't be disappointed... read more

I had a great experience working with Nancy Pham-Nguyen. She helped me refinance my mortgage, buy a house, and sell a house. You can definitely count on her for your real estate needs. I had been putting off refinancing my loan even though the interest rates have been dropping. When I finally got in touch with Nancy, she explained the process to me very clearly and helped me get all my documents in order. She helped make the whole process very smooth and I ended up saving a lot of money. Later, I decided I wanted to buy a different house so I got in touch with Nancy again. She explained many of the strategies and tactics needed to buy a house in this super competitive market. She also gave me a lot of valuable tips on things to look for when considering a house. Once I figured out what house I wanted to buy, she helped me prepare the offer and the counteroffer. Thanks to her help, I was able to buy my house on the first try. Buying a house in today's market is near impossible, but Nancy made it relatively easy by explaining every step to me, strategizing the offer price, and helping prepare all the paperwork. Finally, when I wanted to sell my old house I knew I could count on Nancy. She helped me through the preparation process such as getting my house cleaned and staged. Nancy also did a great job organizing the open house and talking to all the people and agents that came by. She kept me up to date with all the offers that I received, and my house ended up selling at a record price in the neighborhood. Nancy really went the extra mile to deliver excellent service. With her help, everything went smoothly and earned/saved me a lot of money. read more

I Just wanted to say I was looking up mortgage brokers on yelp when my husband and I started this process in OCT. I found the company through yelp and decided to give them a try and make an appointment to discuss our options for a home loan. I called and spoke with Doug, he was so helpful and even agreed to meet with us on a Saturday since my husband and I work opposite shifts. We met with Doug and he explained everything to us in detail. We really had no idea how to get a loan... or how the buying process worked except for the research we did before the meeting. He explained so much more then we knew and answered every question we had and really made us feel comfortable moving forward with his company and the process of buying a home. He took us to see many homes and was wonderful during the offer/negotiation process. He got us a fair price and really bent over backwards making sure this would happen for the home we really wanted. If it wasn't for Doug I can honestly say we would not be in the home we are today. We moved into our home Dec 23rd. We also had the pleasure to work with Gloria and Marc through our process and they were outstanding as well. If we need anything in the future for mortgage needs we will only do business with this company. We had the best experience possible. They made buying a home as stress free as possible. Hands down they have my business for life. The Sinclairs read more

Doug, Trudy, Gloria and Jean Marc are absolutely amazing! As first time home buyers, I'm glad we found Doug and company. The whole home buying process can be a bit over whelming for first time buyers. Off the bat, I knew I could trust Doug, he's been in the business for years and has a ton of experience. Trust me Doug has seen it all and is prepared for any hiccups that might arise. Doug and company went out of their way to ensure we understood everything that was going on, ensured we got locked in to a rate that was the best fit for us. Gloria is a loan expert and can tell you exactly what the banks are looking for and what you could expect. Gloria's experience held true to value once we were in escrow and were pressured to close in 20 days per the sellers request. I've already referred Doug to a couple friends who are in the market and would not hesitate to share my experience with anyone who brings up home buying or selling! I absolutely love the home we ended up with, it if I ever need home services again, I'll be sure to call Doug! read more

SIX well-deserved stars...... I have refinanced 5 times in the last 7 years for a rental and my own residence. The level of service and professionalism I received from Heather Kulp is second to none. They go way beyond my expectations. Heather is very knowledgeable about every little detail of the entire process and the expectations/requirements of the lenders. Best of all, MM has access to so many lenders out there. If they can't find you the best rate and save you the most, I don't think you will find it anywhere else. Thanks again Heather for an awesome job well done. You are simply the BEST. read more

Joe Adamson knows everything there is to know about mortgages. Whenever I need a mortgage or have a question about a mortgage the first person I think of is Joe. He takes the time to understand your unique situation, help you find the right mortgage product, and then walks you through the application process. Great service all around. read more

We have used Mortgage Magic for all our home loans and refi's for over 10 years. We have always worked with Joe and everything was handled and we never had any problems. Joe has always provided multiple option and worked through the pro and con's so we understood what we were getting. This last time we changed our minds a few time and joe handled it all with no problems. read more

Joe Adamson and his team over at Mortgage Magic are the best! Thanks to Joe, my girlfriend and I pulled off a small miracle and managed to get an FHA loan in about a month for a cute house in San Jose near Santa Teresa for a great price. Being a first time home buyer, we both had a ton of questions and the process is incredibly intimidating. Joe was there every step of the way. He went BEYOND above and beyond for the both of us. He worked late hours, answered every last question we had in amazing detail, and would even go so far as to explain the history of the particular procedure and why it was the way it was. It's actually really difficult to describe just how far out of his way he went and how safe he made us feel during the process. Buying a house is a massive undertaking and we always felt like Joe was working for us, not his own bottom line and in the end, our trust was well placed. We have quite a few friends who are at the stage in their lives where they are house hunting and I have recommended Joe to all of them and will continue to do so in the future. I recommend him to anybody. read more

I have worked with Mortgage Magic for over 10 years. Doug jones and randy south helped my wife and i own our first, second, and third home. I am a business teacher and Doug even came in to speak to my students about real estate and also perform some magic. Awesome Service. Mortgage magic is knowledgeable, experienced, creative and professional. read more

This is my first Yelp review, I think people don't generally give positive reviews when things work out great but rather to rant. Joe at Mortgage Magic is one of the good guys that deserves a huge thank you from me personally, and I'd recommend him if you're looking for a mortgage broker in south bay, cali, give him a call. He worked really hard and got me the best refi loan terms. Many thanks to Joe and Mortgage Magic for helping me refinance and get way better terms than my previous loan. read more

Just finished refinancing our home and Gloria was a dream to work with.

Doug Jones is absolutely amazing! I met Doug through my business network group and am so happy to know him both personally and professionally. Not only does Doug have tons of experience and has been doing loans forever, but he's also got an amazing attitude. Doug is professional, experienced, extremely positive and goes out of his way to help. No recommendation of Doug's services would be complete without also giving high praise for his assistant, Gloria; Gloria is always ready, willing, and able....Doug and Gloria make an amazing team and I recommend them 100%! read more

I worked with Doug and his associate, Gloria, on a refi and a then a HELOC. The refi had some complications because my parents actually owned the home and I had been living there for a few years. We had some difficulty with the HELOC as well because I have three scores and different banks do different income calculations and accept different scores. I have scores of mid 600s, high 600s, and mid 700s. In both cases, Doug did a great job. He is very responsive both by phone and email. Also, he was always available to meet me to explain stuff or strategize on next moves. I had a target for the HELOC which I wanted to reach because I want to do a remodel on the house. We worked together and I was able to reach my target. You really have to go to several different banks and shop around. Doug did this very well. I always felt Mortgage Magic had my best interests at heart. I have already referred my parents and at least one neighbor to Mortgage Magic and will definitely come back to them in the future. Thanks, guys! read more

If I was to go looking for another home. I would definitely go back to Fabian Cantu and Mortgage Magic. They did such a great job with our home purchase. read more

My family has been working with Wendy Wong for years and she has been an amazing guide for us through our most important purchases. She is focused, attentive to our needs, and moves the process forward with us along with it. From our first refinance to our most recent home purchase, Wendy has been proactive, effective, generous with her experience, and a genuine pleasure to work with. I know that when we work with Wendy we have done very well. I am eager to recommend her to friends. read more

It was difficult for me to refinance my house. With the mortage meltdown and my credit score I knew it was a tough loan to finance. Doug Jones and the folks at Mortage Magic in San Jose. They are professional and knowledable. As a broker with access to over 200 lending institutions and banks they offer services that were not available from the "big Mortage firms". I cannot express my satisfaction any higher and they have my full recommendation. read more

I have had a number of occasions to do business with Doug Jones of Mortgage Magic and each time I have found his knowledge and years of experience in the Mortgage industry to be extremely helpful in guiding me in decisions I needed to make. He has taken the time to explain in detail all of my options in assisting me to make the right decision financially. Doug has always been available to help, shown that he really cares about the people he assisting and always demonstrated a very high level of honesty in all of his professional dealings. I would not hesitate to go to Doug and Mortgage Magic in the future. read more