Lydia guided me through the loan application process and found a great rate. Communication was great. Phone calls and emails were responded to quickly. read more

I am so glad we went with MPR financial for our home loan. In an introductory call, Tom took the time to educate us on our different loan options which resulted in us choosing a home buying path we hadn't even thought of. He's extremely knowledgeable and also just a really friendly person to work with on top of it. His team made everything very simple and easy. I could not recommend Tom and MPR more highly. read more

Tom and his team did an amazing job helping my clients get the best financing possible for their home purchase. Everyone communicated in a timely manner, were thorough, and knowledgeable. I would highly recommend using their services. read more

Very responsive to questions during the process and helpful to someone new to the process!

I'm waking up in my new home and I'm filled with gratitude to God for placing pleasant folx in my path to make this dream come true. Tom has been essential in making my family's dream come true. Since my first conversation with Tom he has been all hands in - making sure we understood the process, provided spreadsheets so we could see the numbers in black and white and most importantly never made me feel like a question was too silly or too big. If you are in the market of need a mortgage or private loan to make your next chapter happen...I can only say CALL TOM. His administrative staff have been great as well and I can only sing great things about MPR Financial. WE DID IT! read more

Tom and his MPR team (Dulce) are wonderful. They made financing of my new home extremely easy and efficient (I closed in 10 days). Wow, what a great experience! It was a joy to work with them. Tom is very knowledgeable and he quickly answered any of my questions. For many years, I've heard that MPR was the best mortgage company in Northern California and now I've experienced it myself. Thank you Tom and team!! read more

Lydia Dickerson has helped us navigate the mortgage process with such ease, patience and understanding. Not only did she match "unmatchable" rates, but the process was absolutely seamless. Not to mention, we were traveling abroad (on bikes) during the entire closing and escrow process. I thought that I'd be losing my mind but I knew that I was in such competent hands. Brava to her and her team! She was with us for the long haul and made this East Bay market feel manageable. I will hands down recommend her. THANK YOU, LYDIA! read more

Tom, Dulce, and the MPR team led the effort to arrange the mortgage for the purchase of a forever home for our growing family of four (and soon to be five!). Closing today and taking ownership of the keys still feels like a dream. I can't say enough good things about our experience with Tom and MPR. Because of them, we were able to close within a remarkably short 2 weeks instead of the 21 days we had originally allotted. The MPR team was extraordinarily competent, communicative, responsive, and trustworthy - no wonder Tom has such a stellar reputation across the industry. We had other alternatives (including our primary banking relationship) but everyone told us that everything would be easier if we worked with Tom, and they were totally right. We actually think that our bid had a leg up because the other agent knew of Tom's reputation and had confidence he would get the deal done. Tom helped us navigate all of our choices and the respective tradeoffs. Our finances could have been tricky with my self-employed income and my husband's equity (restricted stock units), but Tom and his team never missed a beat. Even when we told them we'd love to close early ahead of the Thanksgiving holiday, it didn't faze the MPR team at all - and they made it happen. I would 100% recommend MPR to anyone looking for a smooth and easy financing experience. Much thanks to Tom and his team for guiding us through the whirlwind of the past two weeks, we will forever be grateful. read more

Working with MPR was such an easy and positive experience. Lydia and Rhea were on top of it! We closed even sooner than expected thanks to their hard work. I didn't have to worry about a thing. I highly recommend their services. read more

MPR Financial was a reliable partner in our journey to buying a new home. Tom and his team move fast, communicate clearly and have a great reputation with real estate agents across the East Bay. When MPR is on your offer letter, that carries weight. Tom certainly delivered for us, closing our sale in 14 days (21 days is the standard and many big banks are longer). Tom's swiftness and responsiveness gave me, and everyone involved in the sale, confidence that we would be successful in completing the loan and the purchase of our new home. Thank you Tom and team! read more

Great rates and outstanding service. MPR Financial is by far the best company for mortgage's. They have consistently offered better rates than their competitors. I've used them personally at least 4x and wouldn't go elsewhere. read more

I had the great fortune of working with Lydia and Rhea, and am very grateful for their work in helping me and my partner purchase our first home! Lydia and Rhea were prompt in their communications, and always kept us in the loop throughout the whole process, which helped to ease some of my stress. They were also patient and kind when answering our many questions, and always made themselves available. I'll add that Lydia's answers to our questions were also very well explained and in such a way that made it easier for us non-finance folks to understand. I felt a level of comfort and genuine care from both of them, making the experience feel approachable and even enjoyable. I could not recommend Lydia enough! Lydia and Rhea truly went above and beyond. read more

Tom Nitsan and his assistant, Rhea Yohn, are great at what they do. Tom walked me through a range of financing options over a two year period that led eventually to my being able to buy a new home. I have found him to be honest, intelligent, and diligent. Once I decided on the purchase and the funding with Tom's help, Rhea made the process work without a glitch. It was a pleasure working with MPR, and I recommend them without reservation to anyone looking to buy or refinance a house. read more

Great company to work with and Lydia and Cassie were great to work with during the whole process. Despite how clunky it seems to go through closing for any house, Cassie and Lydia were helpful and answered all our questions read more

Tom and his colleagues provided thorough, quick and responsive help in securing a very favorable loan on our house purchase in a completely crazy market. I'd single out the clear presentations of our options, speed of response, and absolute clarity in cajoling us to get all the documentation together so we successfully closed escrow two weeks after the buyer accepted our bid. read more

Tom and his team completely disappointed me. I was referred to them by a friend who highly recommended them. I chatted with Tom several times on a race to get pre-approved for a mortgage. Tom and the team knew the deadline was coming up, and neglected to follow-up. They basically left us hanging without even letting us know that they won't be able to deliver on-time. Didn't even bother to follow-up and try to solve the problems that came up. If you are looking for a reliable team that won't let you down, I'd recommend staying away from Tom and MRP financial. read more

Tom, Dulce & Team were great. Not only did they secure the best rate & package we saw they also went the extra mile with full support! Tom made introductions to insurance companies, supported us as we moved the close date back, were proactive, attentive, responsive and generally 100% on top of all the details. Buying a home is a big decision and they were there with us in more ways that purely providing the loan. Don't buy a home without MPR on your team! read more

I will be forever grateful All of the staff highlighting Lydia and Cassie for their support in helping me finance a new home However when I called or went to bring papers in I received greetings from the other staff members THANK YOU!! read more

Tom guided us through our first home purchase. He modeled out our costs and continually updated the model as we got pricing for insurance and other closing costs which has been consistently accurate / conservative. It was very helpful in understanding our initial and ongoing costs through the home purchase process and we didn't have any suprises. Thank you for the help! read more

This was our first home purchase, and everyone who's been through the process knows how stressful it can be. Lydia and her team were always available to answer questions and walk us through the process to make sure we felt comfortable moving forward. She was very knowledgeable and has a talent in explaining very complicated financial themes in an easily understandable way. I can't thank her and her team enough for making this whole process enjoyable and smooth. Thanks again, Lydia!! Highly recommend!! read more

Buying a home is stressful. Full stop. Lydia, Cassie, and the MPR team are total rockstars, and provide expertise, quality communication, and efficiency to such a daunting and unfamiliar process. Look no further, you've found your mortgage broker. From the jump, the pre-qualification process seemed to take no time at all (once all the documents were in place), and they were ready to GO once we started making offers. They provided us with many useful tools throughout (closing cost calculators, anyone?) and once our offer was underway, they were available the entire time by phone or email to answer the litany of questions we had. They excel at communicating and at no point did the let a bump or a hiccup slow down the process. We never knew about a problem until their was a solution already in place. Can't recommend MPR highly enough. They had our backs the entire way and got us across the finish line with relative ease. read more

Tom and Dulce are solid! I'm sure glad I had Tom and Dulce along my side during this stressful process. With his spread sheet, Tom is very transparent, on point. You know exactly what you are getting into - - monthly fees, break even points (if you take different rates), etc. My purchase was extremely stressful, due to an appraiser contingency, stipulated by the appraiser!? Ever heard of that one! I had to put money into a house that wasn't mine yet! And, my real estate agent decided to take a vacation out of the country in the middle of all this!!! (Can you see eyes crossed, nails bitten?) Dulce held my hands, answered multiple phone calls/questions. Tom helped with the appraisal contingency process and negotiated with the appraiser. Couldn't have done this without them. read more

We were referred to Lydia by a family member and I'm so glad we were! Lydia is responsive, always makes time to answer my numerous questions, and when it came to crunch time, she delivered! Can't thank Lydia and the team enough for helping us through the process and making sure we closed in time. I one hundred percent recommend! read more

It has been a great experience working with Tom. He gave us excellent advice about our options for financing our home and answered our questions and concerns. I highly recommend his services to anyone looking for a straightforward loan process and guidance on what works best for your money. Thank you, Tom! read more

We got a bridge loan from Tom and his helpful, kind crew. They were so patient with us computer illiterates, and Tom offered suggestions and advice outside his particular interests all along the way. Many many thanks MPR! Five stars plus! read more

I just closed with a Bridge Loan on my dream house in 10 days. As always, Tom delivered with grace and helpful advice. I had refinanced several times with Tom and am delighted to see MPR's quality remains top notch. read more

We purchased our new home with the services from Tom Nitsen at MPR Financial and his crew of highly responsive and talented individuals. It was a great experience. Tom is an expert in his field. We looked at homes from the Bay Area to Half Moon Bay and Mendocino and all the realtors we worked with knew of Tom and his outstanding reputation. My husband and I give him our highest recommendation! read more

I worked with Lydia and she was nothing short of amazing. She was patient, kind and incredibly knowledgable. Buying a home in the Bay Area is a nerve-wracking process to say the least and Lydia held my hand the entire way. I'm so happy with how everything turned out. Thank you Lydia and MPR Financial! read more

Tom is extremely competent at what he does. He was recommended by our realtor and we are so glad we found him. We could not have done it without Tom. His guidance and clear explanation of all our options made every other barrier feel slightly less stressful. He always had time to answer all our questions and never made us feel like we were wasting his time asking. He provided several very useful spreadsheets to us so we could run the numbers with various things in mind, and this was probably one of our most useful tools in this whole process. Plus, in the competitive market that we bought in, he is very well known and respected, which is essential. We highly recommend Tom. His assistant Dulce was also very helpful throughout the whole process. read more

We had a great experience working with MPR Financial. They help us very efficiently from start to closing. Lydia was always available to answer any questions we might have and explain things very thoroughly. We highly recommend them and look forward to work with them in the future! read more

Tom and team were able to help us secure a very short notice bridge loan to buy the house of our dreams in less than 2 weeks. The knowledge and responsiveness was amazing and we would not be in our new home without them. read more

Tom, Dawn and the rest of the team at MPR are absolutely stellar. My husband and I have had the pleasure of working with MPR for almost 20 years now. For our first purchase they assisted us through the challenging process of buying a first home in the Bay Area, and have assisted us with several refi's and purchases since then. Always providing easy to understand terms and fabulous rates. The team is extremely responsive and professional, and with their online tools the process is managed safely and efficiently. read more

Tom and Dawn helped us fund our recent home purchase and they were very easy to work with. Very responsive and great at explaining the current interest rate environment and Lon packages. Highly recommend! read more

Tom Nitsan and Dawn Malatesta at MPR are an amazing team. We had to switch lenders last minute after our offer was accepted and Tom and Dawn did everything necessary to expedite our loan approval process and stick to our incredibly tight timeline. Tom explained everything (we are first time home buyers) and was always extremely nice and patient in responding to all our questions. They were wonderful to work with and I highly recommend Tom and Dawn! read more

We have worked with Tom Nitsan and Dawn several times over the years. We first met them when they arranged our first mortgage. Having been pre-approved with them as first time homeowners actually gave us an edge in the ridiculously competitive housing market that is the Bay Area - it was between us and another all cash offer - our offer was selected because realtors know that if Tom has pre-approved you, the mortgage will go to closing. Tom also took the time to really help us understand the process and made it all very painless. We have also re-financed our mortgage with them twice. Each time Tom was able to get us better deals than any other offer that came in by mail, or through banks etc. Highly recommend going to Tom and Dawn. We wouldn't go anywhere else. read more

Tom was fantastic! He was very knowledgeable and patient. He explained all the steps of the loan process and even sent me budget excel sheets to walk me through each line to make sure I understood everything. Tom's professional, friendly and thorough service was above and beyond. He was always available and prompt to respond as well. At the end, we closed on a primary residence within 15 days! It has always been my mom's dream to own a SFH in the Bay Area and I have always wanted to make it happen for her. We have now moved in to a brand new home. I am so thankful to Tom and his team in making our dream a reality! read more

Working with Tom, Dawn, and MPR Financial was the smoothest part of our home buying experience. We were referred to Tom via our buying agent, and felt comfortable based on the great Yelp reviews. Our experience was consistent with those reviews. We needed a loan quickly when we found the home we loved. Tom was very knowledgable and professional, and helped us get a bridge loan to win the bid for our new home in a very competitive market. Tom acted quickly and answered all of our questions in a clear way. We found the terms very fair and Tom listened to all of our feedback and questions with great customer service. And then when it came time to refinance to a conventional 30 year fixed loan, it was again smooth, clear and very fair. From end to end it was a pleasure. Highly recommend MPR Financial. read more

As if being a first time buyer in a highly competitive, overpriced Bay Area market wasn't enough to stress us or anyone out. After finally getting an offer accepted, Erick diligently worked to lock in a great interest rate and with the holidays/year end, was able to worked with the lender so that we closed in our desired time frame of just 16 days. Erick constantly communicated with us even while on vacation and Dawn helped fill in while he was out. They were both very professional and efficient and I can't think of anything that could have gone better through the entire process. I highly recommend MPR Financial. read more

MPR was fantastic to work with throughout the buying process! They even went above and beyond and helped us get our credit scores up super quickly which will save us a ton in the long run. Can't recommend them enough! read more

Absolutely the best! Our recent experience working with Lydia, Cassie and the rest of her team was absolutely extraordinary! She was so helpful and made the process of buying a house easy! They were with us every step of the way answering every question we had and gave us all the information we could've ever needed. It truly was an easy and efficient process. I highly recommend working with them- you'd be lucky! read more