Recently purchased a home and had Peter as our Mortgage Broker. Most of our interaction was with our Loan Officer, but Peter was available for consultation. As you know, mortgage rates have been going up and up. I was able to secure a VA loan with the best interest rate I could find anywhere. If I found one better they beat it. The whole home buying process was very simple. I think it is unique to have the right combo of Broker, Loan Officer, Real Estate Agent and Title Company. I picked up the phone and texted Peter today to ask a question about property taxes. He called be back and we went through everything I had. Great resource, approachable, friendly and does his job with integrity. read more

I would not work Pete again given the poor advice I received at the time. Markets change but the lack of listening to a buyers real needs and lack of perspective left me flat. read more

Peter was knowledgeable and responsive throughout the entire loan process. We had a number of issues arise that required fast response times, and Peter was always at the ready to get us the documents/information we needed. Buying a house can be stressful, and Peter, confident and reassuring, is an amazing guide who stopped at nothing to find creative paths forward for us. We'll definitely be contacting him when it's time to refinance. read more

What a great experience! Thank you, Peter for all your help and support during my first home purchase! Your knowledge helped provide the best options that fit my needs and made the process easy and fast! Thank you! read more

As first-time home buyers, we were very fortunate to work with Peter Holmes. He took the time to really explain the process to us, was always available to answer our questions, and kept us updated as things progressed. We highly recommend working with him. read more

My wife and I worked with Peter to buy our first home this past August. Peter was incredible. He was a consummate professional, warm, and reassuring throughout--answering all of our questions, walking us through every step, giving us clear directions of what documentation we needed to provide, and essentially being on-call with our realtor to make sure we hit all of our deadlines. In my opinion, our home-buying process moved very quickly and we had some interesting particulars to how we financed everything (this is our first home though so I have no point of comparison) and Peter handled everything brilliantly. We are very grateful for all of Peter's help and definitely hope to work with him again in the future. read more

Back in March, Peter helped me and my wife refinance our mortgage. From the beginning to the end of the process, he was exceptionally responsive, super-easy to work with, and transparent. He was also abundantly detailed and knowledgeable about the refinancing process. I came away feeling like he could walk us through this process in his sleep. Throughout the process, he was communicative and always let us know what was coming up next so that there were no surprises. He also made himself available during off-hours, which was unnecessary for us, but still appreciated. All in all, Peter was trustworthy, very friendly, and consistently made us feel like we were in great hands. I can't think of the process being handled any better and we wouldn't hesitate to work with him again. read more

We worked with Peter on a mortgage with as little as 5% down on a near million-dollar home in Bay Farm. We qualified for a program where you have to maintain a higher monthly income allowing you to get into our first starter home, but bypassing the major roadblock of a down payment. We have 2 kids so we had to jump into a 3-bedroom minimally, which in this market is nearly unaffordable unless you have a competitive down payment. With that context in mind, here's why you should work with Peter. First, he is very good at what he does, modeling what you can afford based on all your finances. He's very responsive with nearly insane deadlines to meet. However, it's more unique how good he is at explaining every nuance and next step along the way and delivering hard truths about what's needed when necessary. We are rookie of rookies, ignorant to everything about the house purchase process and if he can work with us, he can work with anyone. Second, Peter was able to put in perspective the huge buying opportunity, which allowed us to stretch our original budget to be competitive/do-able and move forward with such a small down payment in the world's most competitive housing market. Third, to even find a seller who will work with these terms is rare. I attribute the fact they accepted our offer partially to Peter's reputation and abilities. The local seller works with Peter and clearly stuck their neck out for us. In 2019, in this market, there's no reason any seller should want to work with you at 5% down but they trusted Peter's expertise to get us funded. Lastly, Peter is an overall great person. He's made himself available nonstop for a quick turnaround, talking to us on weekends, early in the morning, and late at night. He goes above and beyond and I'd recommend him to anyone in the future. His level of empathy is unmatched. I genuinely enjoyed talking with him which is great since you have to talk so freaking much throughout this process to get a close. read more

Peter Holmes and the Sterling mortgage network will get the job done quickly and efficiently! They provide a mortgage that the sellers realtor was not only unaware of, but in a fast paced highly competitive market beat an all cash offer and made my dream a reality! Thank you Peter and thank you Sterling Mortgage Specialists! Update 5/14, Just went on Lendingtree.com and spoke to a couple lenders.... zip nada zero, they couldn't beat the Sterling/CMG mortgage. (Not that I ever doubted them but it is the information age) GREAT JOB! Peter "Bulletproof" Holmes read more

Peter Holmes - The new front room - Mortgage Brokers Near Me

Peter Holmes is our go-to for mortgage advice and refinancing. He helped us when we bought our first home, with all the requisite handholding required for first-time home buyers. He was clear about what we needed (documentation, addressing our consumer debt, etc.) and why, and always helped us view the process and transaction with realistic expectations. We just completed our second refinance with him, which makes three major mortgage transactions he's worked on for us. His attention to detail, quick response time and anytime/anywhere advice are incredible. If you are looking for someone to work on any sort of home financing transactions, Peter is the first person you should call. He will always be our first call, and we feel incredibly lucky he works where we live. read more

I feel very fortunate to have been recommended to Peter Holmes. My family and I have used Peter twice now for our home refinancing needs. Both times were painless experiences. His professionalism and honesty helped guide us through our financial intimidation and addressed our consumer debt. His communication was clear and concise which allowed us to turn the refinance around quickly and seamlessly. I cannot recommend Peter and his team enough. You will not be disappointed. He will forever be our go-to for mortgage advice. read more

Peter is amazing! As first time home buyers, we really had little to no clue as to what we were doing. Right off the bat during the pre-approval process, we knew we were in good hands. Peter always followed up when he said he would and was so patient with us! Throughout the process, Peter took the time to explain every step we took in depth to ensure we had a clear understanding. He was always available throughout the entire time to speak with us if we ever had questions. We had such a wonderful experience with Peter because he is so professional, reliable and experienced at what he does. Young or old, if you are looking for a loan broker I highly recommend working with Peter Holmes! read more

I have worked with a number of mortgage brokers over the years and Peter Holmes is the best, without question. His knowlege and comand of the market is second to non. I know first hand. We had an unusally long escrow and Peter made sure we structured the mortgage to insure we got the best rate possible, and I did. Equally important is his character. Peter is a calming presence in the midst of the very stressful experience of buying a home. He is a great listener and very patient. While working with Peter what I most appreciated is how he always made time to meet with me, even when I showed up unexpected. He is easy to work with and a consummate professional. For these reasons I highly recommend Sterling Mortgage. read more

Peter was a great I called him asking about getting a home equity line of credit, and he asked me about my plans and goals. He gave me clear understanding of my options, the rates I would be paying, looked at my info, and clearly told me what my options were.. He was really thorough and informative throughout the process, making sure I understood where we were on the journey. I ended up not only getting enough cash to proceed with my plans, but also paying less on my monthly mortgage bill with a refinance with fantastic terms. I highly recommend working with Peter and his team. read more

I found Peter using this very site and was not disappointed with the service I got from him and Sophie. Peter was able to get our home appraisal upped by $55K, which really helped us (and the value of our home) out. The whole process went smooth and relatively fast, and never once did I feel pressured or pestered to make a decision or go with Sterling. I also got some good advice from Peter, who turned out to be a fellow neighbor :) Very nice to work with Sterling, I would recommend them to anyone in Alameda looking for someone local and knowledgeable about the Island. read more

Thank you, Peter Holes of Sterling Mortgage! From our very first conversation, he aimed to make sure that ALL of my questions were answered and that each of my concerns were properly addressed. Peter stayed in contact with me through the whole process, clearly communicated what was expected of me, helped me through inquiries, and made the whole re-fi experience painless. And - he saved me a fair amount each month with a much lower fixed rate. If you need a local, professional, attentive mortgage broker - and one that will hunt for your best interest - please keep Peter in your rolodex! read more

We've used Peter's services twice and he is professional, punctual, and knowledgeable. He has helped us purchase and refinance, and we've been completely satisfied with our experience! read more

Peter is a true experienced professional who guides you through the process with ease. I felt very comfortable with his guidance. As a fellow financial professional I have high expectations, and had many other choices. But my wife and I are so happy with the experience. I recommend Peter to all my clients with any mortgage questions or needs. read more

Once again Peter made my refinance effortless. It truly doesn't get any better than this. Peter anticipated issues that could possibly come up, had the proper avenue to follow and got the loan done quickly with very little effort on my part. It's clear that Peter is an expert at what he does. That makes it all that much easier for me not to worry about the loan process and getting a loan done. Great job Peter! read more

Peter Holmes at Sterling Mortgage made our refinance as smooth as it could be. He was helpful in determining the right loan package for us and getting it done quickly and on time. This was the second re-fi we've done with him, and we would not have gone back to him for the second one if the first one wasn't well executed to begin with. I highly recommend Peter and Sophie at Sterling Mortgage. read more

Peter Holmes is the best! We applied for a home loan through his company and we were well taken care of every step of the way. We exchanged many phone calls and emails and through all of them, he was always quick to respond, kind and incredibly patient. When it came time to finalize the loan, I realized I would be away on vacation. Peter figured out that if he made my mom the power of attorney while I was gone, she could sign the papers for me. This was absolutely essential to ensure we got the keys to the house on time. Peter proved to truly be a lifesaver and we are so grateful for his quick thinking. We can't thank Peter enough for his outstanding work and recommend him highly! read more

Left a request for information and was called back on the same day by Peter. Was informative and recommended someone that could do what i was seeking (title/deed transfer). Compared to the other people I have tried contacting, he was very responsive and was willing to offer information. read more

Peter was supremely patient with us first time home buyers, always taking the time to explain things and answer our steady stream of questions. He was prompt and available whenever we had more questions or concerns. When our offer was accepted he worked quickly and diligently to make sure our loan came through in record time and without delays. This stressful, anxiety-filled home buying experience was made MUCH easier thanks to Peter. Top marks! read more

Though buying a house and going through an escrow can be stressful, my wife and I really enjoyed working with Peter. He was knowledgeable and kind to address all the questions we had, as first time home-buyers. He took our case seriously and worked out the best loan option for us. We really appreciated how he closely worked with us and always available for us every step of the way. We were able to close our escrow process within a month and his service was nothing short of excellent. We can't thank enough and will definitely work with him in the future. Thank you Peter!! read more

Peter Holmes helped us purchase our home three years ago and helped us refinance twice since then. He is awesome! Peter is always efficient, calm, friendly, responsive and knowledgeable. He is also amazingly patient with his clients-us! He will explain something several times if he needs to, without flinching. We feel extremely grateful for Peter! Everything turned out exactly as we wished! read more

I highly suggest working with Peter on your next Mortgage. He did an excellent job ensuring a quick closing process on a home my wife and I just purchased. All told Peter was able to fund our escrow account in just 17 days from the open of the contract. Peter is very knowledgeable and does a great job of setting the right expectations up front so you get ahead of all the financial documents needed early in the process. We had no surprises and are very happy with the Experience. read more

I was referred to Peter Holmes through Walt Jacobs at Harbor Bay Realty. Peter was an absolute pleasure to work with. My husband and I were first time home buyers and really had very little knowledge about buying a home. Peter was so patient with us and took his time explaining every step of the way. He is professional and extremely prompt with emails and phone calls. I appreciated how honest he was and how transparent he made all the costs. I was never surprised with any "hidden" fees because he disclosed everything to us up front and helped us make sure we could pay for the house we were buying. If you're looking to buy a house, Peter is a great person to start with! read more

Peter and Sophie are simply the best. We went to a big bank for our mortgage needs first- they lost our application and then 2 weeks later said we would have issues with getting a loan. Went to another mortgage broker who spent 5 minutes with us and said it would be hard for us to finance a home in Alameda. Went to Peter as a referral from our realtor Steve Cressy. Best decision ever. I was anxious about finances and Peter was calm and patient and above all very knowledgeable. When we came into a quick turn around decision, Peter went into his office at 8pm and was able to confirm we could make the offer we wanted. Always responsive, professional and helped guide us through decisions. Plus a genuinely nice guy- friendly! Tomorrow we close on a home we are thrilled with and could not have done it without Peter! read more

We were needing to make a home purchase with a very quick turnaround time. We couldn't have done it without Peter and Sophie! We are convinced that their advice helped us succeed at buying our home in an extremely competitive market. Outstanding customer service! Peter and Sophie were great to work with. They delivered when they said they would, were always available for questions or discussions and helped make our experience of buying a home possible. Without any hesitation we would recommend Peter to help you with the purchase of your new home. We couldn't have asked for better or more personalized service. Highly recommended. read more

An A+ refinance transaction all the way. Peter Holmes is great with communication, professionalism, knowledge of the process, patience with your questions, and honest and up front with everything. We basically came from a disastrous refinance with Wells Fargo and once we walked away from it, we went to Peter and he completed in 3 and a half weeks what Wells Fargo couldn't do in 4 months. (Cautionary note: If you're considering refinancing with Wells Fargo there are a lot of other people out there with stories similar to ours) We highly recommend working with Peter for your mortgage needs and we will definitely go back to him with ours in the future. read more

Peter at Sterling Mortgage truly helped us get the ball rolling on our buying our home, and we couldn't be happier! He is a great guy and worked to get us the best deal we could get on our mortgage, we will definitely call him again for our next large purchase. read more

What can I say, Peter is simply amazing! He was the difference maker that made me a proud new home owner in this competitive market. Peter was always available when I needed him, he provided great service and guidance. I highly recommend Peter Holmes! read more

Peter Holmes is great. I have gone through the mortgage process before but never have I had the expert service that I had working with Peter. He makes the process simple and keeps you informed each step of the process. I will never go elsewhere for a mortgage again. Peter and his assistant are warm and friendly and he is able to provide you with information and guidance to make the experience pleasant. read more

Outstanding service, great rates! My mortgage experience was absolutely flawless. Local knowledge a big plus!

Having gone through the loan process a handful of times now, the single most stressful part part has been the lack of communication from the lender/underwriter. This is particularly true when there's a tight window to close - it's a helpless feeling with so much hinging on people who often times don't seem to care. My experience with Peter Holmes was the exact opposite from the start. He provided meaningful insight, recommendations and support throughout the entire process. Most importantly, he always picked up the phone! On the rare occasion I missed him, I received a call within the hour. Same goes for off hours - we had multiple back-and-forth conversations over email late at night and weekends. A quick story - my family had a private showing at a house at 7:30 on a Friday evening and because of a unique situation, we needed to put in an offer within hours to have a chance. We had gone through the pre-approval process, but our agent didn't have the letter in had to present with the offer. With no warning, Peter went to his office and had the letter to our agent within an hour - at 9:00 on Friday night! And we got the house! I've never heard of a lender providing that kind of service. Thanks again Peter. read more

Peter was great in providing guidance and advise to us on home loans in this competitive market. We had worked with Wells Fargo in 2016. While folks in Well Fargo did their best to assist us, it still took better part of 2 months to secure a conditional loan approval. So when our agent referred us to Peter, we were very much looking for a quicker response since we wanted to put in an attractive offer. With Peter, that was what we got and more. He helped us the same day that we first phoned him and was able to screen our financial documents the same day. We got our pre-approval the next day. When we submitted our offer, Peter has also talked with the seller's listing agent and provided confidence to the listing agent and seller about our loan status. Due to the highly competitive market in the SF bay area, we put in our offer without the loan contingency after consulting with Peter. At that time, we were close to getting a conditional approval from his company so we didn't have to worry that much. After our offer was accepted (out of 3 other offers) it was a smooth process working with Peter. We were away on vacation in Hawaii and Peter kept in touch with us by email and phone so we wouldn't have to worry about how the loan was proceeding. He guided us every step of the way and provided us status update frequently. We are closing tomorrow and everything has been finalized. We appreciated having such a responsible and professional broker on our side. We thank Peter for your service and we highly recommend Peter for mortgage broker! read more

After 2 failed attempts with Citibank and Flagstar, Peter came into the scene and took a brief look at my paperwork and said "I can get this done for you" and after a few bumps along the way BECAUSE OF MY SITUATION - Peter and Sophie were able to get this deal closed. Peter is a man of integrity, and amazing character - the epitome of professionalism. I wholeheartedly recommend Peter Holmes and Sterling Mortgage to help you get your mortgage. He goes way beyond the extra mile to help his clients get into their new homes - - TRULY THE BEST IN THE BUSINESS read more

My wife and I recently purchased our first home in Alameda last December, and we had the pleasure of working with Peter Holmes. Working in the real estate industry I am frequently approached by lenders for business. We decided to go with Peter because he struck us as very professional, knowledgeable, and confident that he could get our deal closed quickly. We were a little concerned that we wouldn't close on time due to the holidays quickly approaching, but Peter made sure that he got it done in 21 days without a single delay. I would highly recommend Sterling Mortgage and Peter to anyone after our wonderful experience. Thanks Peter! read more

Peter was great. We had a complicated situation and he was able to come up with some creative options for us. He was very thorough and kept us updated throughout the entire process. He and his team made a very complicated process much simpler for us. We really appreciated working with a local team as opposed to a website or customer service center. They gave us personal attention, which is something hard to find nowadays. By helping us secure this refinance, we will be saving over a thousand dollars each month. This will dramatically change our financial picture for years to come. Many thanks to Peter and Sterling Mortgage for all of their help and we highly recommend them for your loan needs. read more

We felt at ease with Peter from the moment we met him. He was great at explaining the process and "holding our hands" through the ups and downs that come with financing a home. He was very responsive to our needs and helped us to secure a loan that works for us. Additionally, he extremely profession has high integrity. We recommend him highly! read more