Michelle was a pleasure to have as our mortgage broker. We spoke to another couple of mortgage…read morebrokers, a credit union and a couple of the bigger banks. We happened to receive a recommendation to get in touch with Michelle at Emerson Financial, and we are so glad we reached out. Michelle's knowledge, response time, and overall abilities made the whole process of getting our mortgage easy and pain free. She not only helped us secure our dream home, but her care and attentive actions helped us lock in a favorable rate for the current market conditions. The attention to detail she brings is on a different level from what we experienced, when speaking with all the competition. I truly believe that we wouldn't have gotten it done without her. Michelle and Emerson Financial thank you so much, and we are so excited for our new home.

I've been working with Dan (and his daughter) at Emerson Financial for five years, and they've been…read moreincredibly helpful. Dan advised me through the home-buying search then through the two-year wait to refinance. Dan consistently tracked market ups and downs, offering great advice on managing my loan and navigating the volatile market without losing my mind. He's not only friendly and incredibly smart, but he also provides just the right amount of detail without overwhelming me with financial jargon. His organized approach makes everything easy to understand, and I'm definitely looking forward to continuing our work together and recommending him to all of my friends.

Wesley Ko came highly recommended from a friend. He laid out a plan for us to sell my current…read moreapartment and purchase a new house in 6 months (all in Oakland) and he worked very hard to help accomplish that goal. Throughout the process he was patient, responsive and professional. For the sale, Wesley and his teammates were extremely efficient when it came to staging and holding open houses and we were able to sell my apartment after the first scheduled showings. The only really difficult thing I had to do was say goodbye to the apartment and move out. I am extremely picky and so when we began to tour houses, Wesley's patience and eye for details really helped narrow down potential properties that would be a good fit for me and we also struck out a lot of bad ones. Wesley's experience shines during touring. Just to name a few things he has a keen sense of smell for moisture/mold, can feel for the slightest unevenness in floors and can tell good from bad repair work just from a quick glance and feel, he has really seen it all. This is where a whole lot of Wesley's value comes from, he's not just another paper pusher...he actually enjoys looking at houses with clients and he is great at pointing out things that a normal person wouldn't see. Eventually a few months later we were able to close on a new house that was exactly what I was looking for. It was a pleasure to work with Wesley and he was so helpful throughout the entire process. As I said before he is thoughtful, smart, engaged and it's clear he loves what he does and I now recommend him to everyone I know who is looking to buy in the bay area.

I think a 4 1/2 star review would have been more appropriate so I would rate OWN very good. We…read moreengaged Wilson and his team at OWN to sell our home in Millbrae. We interviewed three realtors and we selected Wilson because we agreed with his vision as to how to prepare our home for sale and his assessment of current market conditions. We were very pleased with the decision as we found out that Wilson has a strong team to support the preparation and sales process. A project plan was developed months in advance and for the most part all deadlines were achieved. Luis (contractor) and Priscilia (coordinator) prepared the house for sale on time and on budget. The staging firm did a great job in presenting our home. When necessary Wilson was alway available to answer our questions. The Open Houses took place as we planned months in advance and we were given an update at the end of each weekend. When offers came in Wilson and Cathy (Experttcs) helped us navigate through the negotiation process until we accepted a bid that met our target. We were then introduced to Michele (Director of Ops) and Aldolfo (escrow officer of WFG Title Co.) to guide us through the closing process. Their assistance made the paperwork burden as painless as possible. We were happy with the entire process and impressed with how the Own Team worked together to get the job done. We deducted a 1/2 star because the lateral sewer work mandated by the city was delayed for weeks because the plumber that OWN uses was not available. This caused a delay in closing. My recommendation to OWN is to expand the list of plumbers the company can use. Also, we were assigned an original coordinator with whom we did all the pre-planning. However, when execution time arrived we discovered she left the company. Thankfully Priscilia stepped in and everything worked out fine.

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.

I was a victim of the recent real estate bust in 2010-11 and thought I would be renting for seven…read moreyears before getting into home ownership again. Robert Reyes and his team made home ownership possible again for my family and I. They walked me through each stage of the process and personalized the experience. My only regret is that I didn't find Robert sooner! Definitely recommend. Al d.

Some people may call him Carlos De La Fuente, but to me he put Pinnacle Mortgage on the map and…read morewill always be the G.O.A.T (Greatest of all times). He came recommended to me by a family member years before I was ready to buy a home, and out of his kindness and heart to give everyone a chance to purchase, he guided me toward what proved to be one of the most difficult but at the same time the most rewarding experiences of my life. Using his recommendations, I worked hard to do my best to get ready for the purchase and when it was time, Carlos went immediately into action and advocated for me at every turn. Though we had to go through the paces, he was kind enough to check on me daily and encourage me to keep going, and to let me know that it would be okay, and we would make it through and be victorious. I honestly believe that if it wasn't for Carlos, I would be looking at renting for many years to come, he helped me believe that I could do it and now I have. He is such a seasoned professional, he could tell me what could happen before it hit, so that I could prepare myself for the roller-coaster in this crazy market. We even had a very tight closing window working against us, but Carlos helped me hurdle over every obstacle. The only sad part in this whole experience is that I won't get to talk to Carlos every day. Carlos for me was more than a Senior Loan Consultant, he was like a brother to me, and I will be indebted to him for the rest of my life. If you are ready to purchase or thinking about making a purchase or a reverse mortgage, there is no one else to call, but Carlos De La Fuente, he truly is the Greatest of All Times!!!!

Rosemary Gee goes above and beyond! What a great broker. Myself and my family have used her. We…read morewouldnt go anywhere else. She is super efficient but also has the 'personal' touch. Really takes care of her clients in all ways (including getting the best rate) Thank you so much, Rosemary

We have used Spinner Mortgage a few times and have been treated so wonderfully, and professionally…read more Ted and Jodi are such a team! Correspondence back and forth is quick. They respond immediately and always have an answer to our questions. Very experienced and knowledgeable. I would never go anywhere else. There are a lot of brokers out there but Ted and Jodi will never disappoint. They will get you the best rate in town! Laura C

I had an amazing experience with Asad, he made sure the whole process is smooth and address all my…read morequestions. He was exceptional in giving the best rate and through out the process was thorough and detail oriented. To add, Asad was able to give me rates that no other lender could beat! I would highly recommend him for any of any lending needs.

We had an excellent experience working with Asad for our mortgage. From start to finish he was…read moreknowledgeable, responsive, and made the entire loan process very smooth. One thing that truly stood out was his support when our home appraisal came in below the contract price. Asad prepared a very strong reconsideration of value package with detailed comps and context about the competitive offer situation. Thanks to his effort, the reconsideration was accepted, which made a big difference in our financing. Throughout the process he was proactive, transparent, and always available to answer our questions. We really appreciated his guidance and would highly recommend him to anyone looking for a reliable mortgage lender.

Mike was exceptional to work with! I was in the process of finding a lender and was referred to him…read moreby my real estate agent. I had been in communication with separate lenders through big banks, but due to the pandemic, their guidelines made it almost impossible to find a reasonable loan. I was almost ready to give up on the home mortgage loan application process, but Mike made this process go by with ease! Mike was efficient and extremely quick to respond to all of my questions via email. He was very organized with his checklist of documents needed to start the application process. As soon as my documents were submitted, he was able to find a lender who offered me exactly what I was looking for. The entire process went by quickly, as he was able to close in record time: three weeks! As an added bonus, Mike even covered the lender fee! I was very lucky to have had such a great experience with Mike as my broker! If you're in the market for buying a home and need a broker, please do not hesitate to contact Mike at Ascend Mortgage!

Mike is the real deal. I have referred and used his services many times. The communication is key…read moreand quick responses. If you are seasoned and dealt with financial institutions and know the hassle, lack of communication, errors in your needs, and having you feel like a number file.....yup then Mike is for you. The process is a drag but when you have someone who is on top of their craft you don't need to worry to much you almost forget this is happening very smooth every time even though snags come up Mike has the answers and process down perfect. You will not be disappointed.

My husband and I worked with Eileen last year on our first single family home purchase. Knowing we…read morewere up against the toughest housing market in the country, we were thankful to have Eileen on our team. We started the process with her in May of 2016. Eileen's communication was clear and concise, making the complex process as smooth as possible. She was also accessible and responsive at all times and had everything prepared when presenting offers. An offer was accepted in November of 2016 on a beautiful home we never thought we would own in the Bay Area. She quickly guided us through the closing process and the endless paperwork. Although stressful, it was seamless and quick under Eileen. Most impressive of all, she was able to secure our loan in under thirty days due to a demanding seller. I absolutely recommend Eileen as she goes above and beyond for you. She will be there at every step of the home buying process and was even present at our escrow signing! I would definitely work with her again.

I am BACK to continue to sing the praises of Eileen!! She is truly the best!! Eileen has been with…read moreme since Day 1 of my home buying, selling, and now looking to buy again and I could not feel any more comfortable or safe... This market has been so overwhelming and Eileen has really helped me to see exactly what I can manage---She is reliable and very responsive all the time--I sometimes feel like I just need to send her a note to calm my nerves. Eileen is an expert in her field and goes out of her way for her clients. I recommend her to everyone I know!

Terry is an absolute professional. As a Senior Consumer Lending Specialist, he provided outstanding…read moresupport throughout my financing journey. He is responsive, clear, and super helpful every step of the way. Truly a 5-star experience, and I couldn't have asked for a better specialist to work with!

Just had the most wonderful thorough professional experience refinancing my two cars with Terry…read moreZhang in lending services at Monterra Credit Union. The entire transaction was done seamlessly made possible working with Terry. He knew details immediately, presented solutions, and finished the process quickly and confidently helping me save thousand on car payments. If you don't like hassles and want the best customer service, best price, professional attention to detail, and do not want to waste time then use Terry Zhang at Monterra Credit Union. They have the best rates and are very easy to work with.

This review is for Ken Hui. He has been our loan officer for the purchase of our 2 homes within the…read morepast 4 years. Ken went above and beyond to help us find the best solutions and interest rates for our complicated situation with the most recent purchase. He would lay out in details our loan situation and the alternative scenarios for us to consider. Ken helped us close our most recent home within 15 days flawlessly. If you are in a market for a trusted and dedicated loan officer, look no further than Ken Hui. He will ensure your are taken care of from beginning to end.

The review is for loan officer Lee Zhang. It was our first time buying a home, and we didn't have…read moremany connections in the Bay Area. When we were shopping around, he initially quoted us a lower interest rate compared to other loan officers, which led us to choose him for our loan application. However, by the time we closed, we ended up paying more than 1% higher than what we were initially promised. Additionally, throughout the entire process, I felt that Lee Zhang was manipulative and used tactics that made me uncomfortable. I felt judged and bullied whenever I questioned his decisions or didn't follow his advice. What's more, He asked me to sign an additional agreement that included a penalty if I paid off the loan early, which raised a red flag. This practice isn't even legal. I didn't realize it at the time, and I regret signing it. If you're in the market for a loan, I would recommend speaking with multiple loan officers and comparing offers right up until the last moment. Don't make your decision based solely on trust at the beginning. Ultimately, it's about money, so do your own research and keep comparing until the very end. What's more, it's unusual to see so many reviews that are either 5-star or 1-star. It raises suspicion that someone may be posting fake 5-star reviews to attract customers.