Wahid was extremely professional throughout the entire loan process, helping us secure financing to pay off our reverse mortgage and keep our home in the family. He was diligent, patient, caring, and easy to work with from start to finish. During the most stressful parts of the process--especially the waiting periods--Wahid remained calm, steady, and reassuring. His ability to stay composed under pressure gave us real peace of mind. He was always responsive and helpful, taking the time to answer our questions and guide us through each step. I truly appreciated his support and would highly recommend Wahid to anyone seeking a loan. read more

I worked with Wahid while applying for a home loan, to purchase a house under Hatch Real Estate and he was excellent. Wahid is professional, communication, knowledge, and support was Awesome! He was incredibly patient, explained every step in detail, and always responded quickly to my questions. Their expertise made the process smooth and stress-free. When there was unexpected document issue came up, he guided me through the solution within hours, ensuring my application stayed on track. Thank you so much for all your help and dedications. I highly recommend Wahid to anyone looking for a knowledgeable, reliable, and caring loan officer. read more

Wahid was incredibly patient and kind helping my family secure a VA home mortgage. He educated me through the process during a very turbulent time for mortgage rates (Feb 2023), with a difficult seller. Wahid helped me secure a loan a full 0.5% lower than I could have managed on my own. Oak Leaf Funding will absolutely be the first place I turn to when it makes sense to refinance. read more

Wahid exceeded all my expectations, helping me get and close on my mortgage. The rate was better than I had found from talking directly with a few wholesalers. Wahid was very responsive and knowledgeable, even about uncommon situations, and he and went above and beyond to make paperwork go smoothly and allow us to close early. read more

My husband and I worked closely with Wahid for the purchase of our new home. Wahid was very thorough, knowledgeable and also prepped us ahead of time for any documentation the underwriters may ask for, which helped ensure a smooth closing process. He helped us secure a loan and helped us navigate the complexities that arose through the process. We highly recommend Wahid for anyone looking to secure a mortgage. read more

Wahid was quite professional and courteous. He was immensely helpful with all the different forms and with working with lenders. I highly recommend Oak Leaf Funding to you. read more

Thank you Mr. Afzal. My husband and I worked with with Mr. Afzal in purchasing our home. He has worked diligently in getting us our loan. He is also very detailed oriented and efficient and informed us of the requirements needed to be approved. No going back and forth. We appreciate the time and patience he has spent in our account. He is also very patient in explaining to us the various terms involved and walked us through this stressful and insane process. Thank you Mr.Afzal read more

Wahid and Ida did so much to help us get our new home. We made an offer with a quick closing because Wahid told us that he would make it possible. And he did. Because of our offer being a quick closing, our offer was accepted even though it wasn't the highest one! And, we were able to move out of our apartment and into our new condo so quickly that we saved a month of rent. Oak Leaf Funding is great! read more

Great service, Wahid is quick to respond and very thoughtful will his work. Highly recommend.

On the recommendation of a good friend, I recently used Oak Leaf Funding to help me refinance my home. Wahid was terrific! He is the ultimate professional, as well as being friendly and accessible for all my questions and fears about the process. He guided me through the confusing process with clarity and precision and explained each step and the timeline necessary to finalize the process. I would highly recommend Oak Leaf Funding in Berkeley. read more

Wahid has been absolutely amazing throughout our entire loan approval process. I was expecting to have a difficult and painful time getting our loan approved. However, Wahid made everything nice and easy for us. He was very patient with our gazillion questions and explained everything to us in detail. And, he always communicated with us regarding the progression of the loan which gave peace of mind. Our loan process was so smooth that we could had closed sooner if we wanted to. We are beyond satisfied with and thankful for the customer service and Wahid's professionalism. Thank you, Wahid! read more

Thanks to Wahid Afzal we were able to close yesterday very complicated, multi-stage refinancing of our property in the Peninsula. During the process, Wahid was courteous, knowledgeable, and always patient with us, as we had a number of obstacles, that would be a show-stopper for another broker. My highest recommendations for Oak Leaf Funding read more

I received above and beyond customer service with the Oak leaf funding group. It's rare to find a business that sincerely cares about their customers well being. Thank you for all your help. read more

I'm long overdue in recommending Wahid. A couple years ago, I needed a refi for my home in Kensington. This was challenging since I did not have regular income. After a bad experience with Bank of America (pricey and unhelpful) we found Wahid. Despite the inherent difficulties in my situation (plus I'm cranky and demanding), Wahid was surprisingly persistent and secured us an excellent rate/terms -- all with a minimum of needless annoyances. He's exceptionally competent, pleasant to work with, and a total professional. Update, the following year, I also recommended Wahid to a close friend in El Cerrito with an even more impossible refi situation - in fact, our friend had given up on getting a new loan. Once again, Wahid succeeded (not easily, but well) and I earned new credibility with my friend. Yea, Wahid! read more

I just bought a house and worked with Wahid for financing. I had a great experience working with Wahid. He was very professional and super responsive through the whole process. It was my first time buying a house and Wahid spent so much time patiently explaining to me all the details of how things work at every stage and gave me great advice for various things from choosing from different loan options to real estate related matters. I would highly recommend him. read more

I worked with Wahid to finalize the purchase of my first home. He made the process very easy and helped me understand every step of the way. He also laid out a few different loan options for me which was great! Highly recommend him if you're a first time home buyer and want the entire process to be nice and easy!! Thanks Wahid! read more

I am a local real estate agent and I have used Oak Leaf Funding as my go-to lender. They are awesome! Charle and Wahid are very professional and when they say they can do a loan they do perform. It makes for such a smooth transaction. A great member of my team! read more

Wahid is quite knowledgeable in financing. He was extremely thorough and patient in handling all my paperwork. The customer service is beyond excellent. Thank you so much for making my home buying process a stress-free situation. read more

Mr. Wahid worked very hard to get our family a fair loan. You can expect professionalism, respect, honesty, and care to conduct business. During our loan process my husband got ill, Mr Wahid took his time to explain me in detail the process and the next steps. He was there to answer my questions and found us a great deal. If you want a knowledgeable, honest, professional,and caring person, Mr. Wahid is the person. read more

Wahid Afzal is an awesome mortgage broker. He is a true professional who guided us patiently in every step of the arduous process of procuring a home loan. He is very experienced and knows what is needed so you are not left guessing what documents to provide to satisfy the picky lenders. His estimates as to the duration required for the approval to be obtained were accurate, give or take a day. We recommend him to all, especially those interested in buying in the competitive housing markets in Berkeley and Albany. He also has a first-rate staff. His processor, Ida, was very punctual and made sure everything was accounted for. When our insurance agent failed to respond immediately to a lender request, she searched our options and got us a much better quote. read more

In my online search to refinance my and my mom's homeloan I happened upon Oakleaf Funding and wound up talking to one of the partners Wahid Afzal. I wanted to give a sincere appreciation and referral to Wahid who did an excellent job in providing me customer service, and put a lot of thought into doing his best to provide us with the best rates available though both of our scenarios were quite different. If Wahid is an example of what Oak Leaf Funding is all about - you will experience sincere effort, honest talk, and thoughtful suggestions in getting the best rate for your situation. Refinancing in today's world is NOT easy - his sincerity and sense of humor really was a benefit to the process. read more

My husband and I worked with Wahid at Oak Leaf Funding to secure funding for our second home. He was very knowledgeable and helped us successfully purchase our second home before selling our first home, so that we not be rushed to buy or need to find temporary housing. He shopped around to find us the best loan type and rate. He even got us partially underwritten before we submitted an offer on a house, so we were able to escrow in only 17 days. Wahid is professional, responsive to emails and calls, and clearly committed to making this complicated process go as smoothly as possible - he even drove a last-minute document to our house on signing day. We highly recommend Wahid and Oak Leaf funding. read more

We recently refinanced two properties thru Wahid. The entire process went very smoothly. Wahid kept us informed every step, always spelling out options we could choose in terms of rate, duration, lock, etc. We ended up doing 20-year loans on both properties and are very happy with the outcome. Wahid never promised anything he could not deliver. I can recommend Wahid and Oak Leaf Funding with no reservations.Thanks Wahid! read more

Charlie has helped me refinance twice. He has always made it easy to understand and explains the loan very well. I feel he's looking out for my interest rather than the companies, he doesn't pressure me into what's best for him, it's what's best for me. Even when I change my mind frequently he is always very patient and understanding. I have recently decided to do an addition, and have talked to multiple other brokers but, Charlie by far was the best and easiest to work with. I would recommend his services for anyone! read more

I am a real estate agent who recently worked with Wahid on a closing here in San Diego. He was very responsive, knowledgeable, professional and made the entire transaction go seamlessly. I loved working with him. Thanks Wahid!! read more

My husband and I have called upon Wahid's help to refinance our house twice. We went to him the first time because we needed someone who handled FHA loans, and he was one of the few who did. His rate was much better than that of the big banks, and we found him so much more courteous and invested in the success of our refinance than anyone at the other institutions we had spoken to, including at our credit union. We went to him most recently this spring because we had such a positive experience in the first time around. He's extremely professional, follows through in a timely fashion, communicates promptly, and is flexible enough to work around people's crazy work schedules. He will tell you clearly what's needed ahead of time so there are no surprises. We were also able to get into a more unusual 20-year loan while dumping our mortgage insurance, saving us lots over the long term. If you want excellent, personal service while refinancing your home, by all means see Wahid! read more