My friend and I were looking for a mortgage professional who can help us with the All-In-One loan product from CMG Financial. He got in touch with Peter first and then introduced me to Peter. Peter worked closely with my wife and I as he guided us throughout the whole tedious and long loan application process. I had a good idea about the loan product I was getting into but had some questions that Peter either answered immediately or did some research to get the answer for me. Just as we were about to officially start the application process, I learned of the new tax law and it's impact on mortgage interest deduction. It was unclear to me whether I would be able to deduct the interest from the loan product I was interested in. Peter sensed that it was a major concern for me and took the time to discuss what he thought the new law meant (and of course, he advised me that he is not a tax attorney nor a CPA trained in the new tax law and that I should seek council in those experts). I had to spend a couple of weeks doing research into this area and Peter was there to support me without pressuring me to go one way or another. In short, Peter was constantly communicating with us during the application process to let us know what was happening and what the next steps were. Peter was easily accessible via email or phone. I highly recommend Peter and his team at Sterling Mortgage. read more

Peter Holmes is very helpful and true to his word. He gets things done in a timely manner and keeps you informed along the way of what is going on and what to expect next. He made phone appointments with me throughout the entire process and it was always extremely easy to reach him seven days a week. When I asked for his advice, he gave it to me without hesitation as if he were the one going through the refinance. I really appreciated his honest opinion about which type of loan to choose. I felt safe with him throughout this scary process. He was true to his word and everything we agreed upon in the beginning of the refinance happened in the end and was reflected in the final closing costs. Whenever I needed to talk to Peter, he was there for me until the very last email about when my loan funded. I never met Peter because I live an hour away from him, but my sister had an extremely positive experience with him, so I decided that I would work with him even though he was located farther away from me than I would have wanted. However, the location of his business did not negatively affect the refinance whatsoever. I would highly recommend Peter Holmes to anyone without hesitation. He knows what he is doing and he can get you the best deal out there. - A .Coleman read more

The word "sterling" conjures something of impeccable value or of the highest standard and that describes my experience today with Peter Holmes and his top-notch staff at Sterling Mortgage in Alameda. My husband and I went to refinance our home (we live in Moraga) and let me say I HATE REFINANCING or doing anything involving numbers and copious documentation. Peter was totally cool and professional, helping us through the process and expediting all the procedural stuff that needs to take place. His office staff were fully supportive and helpful as well, cheerfully photocopying our various documents and making us feel warmly welcomed. The refinance will save us loads of money and lower our monthly expenses, which seem ever increasing thanks to the growing demands of our two young children. We were so grateful Peter could help us make our refi easy and FUN! (is that even possible?) Now is a good time to refinance! If you haven't already, check out www.sterlinghomeloan.com or contact Peter directly to get your " fun refi" at info@sterlinghomeloan.com read more

Peter Holmes was our knight in shining armor! Peter stepped up when Bank of America left us in the lurch; they made several promises and didn't come close to delivering. Peter took over the reigns and got us the mortgage we needed and were happy with in less than 21 days! He cleaned up the mess left by Bank of America and ensured that we were able to buy the home of our dreams! Obtaining a mortgage is an incredibly stressful process, however working with Peter made it far less arduous. The experience was literally night and day; whilst Bank of America made promises they couldn't deliver, Peter was forthcoming with a transparent process that ensured we did not experience any last minute surprises. Indeed, we had no issues at all once Peter took over! If you are looking for someone who truly cares about his community and those living in it, then you should definitely call Peter. When you work with Peter, you are not just working with a world class mortgage broker, you are working with someone with integrity and a strong financial business acumen. read more

I have worked with Peter Holmes on three home financing transactions and I highly recommend him. He helped my wife and I finance the original purchase of our home in 2007 in Alameda (In fact, he helped convince us that Alameda was a great place to buy a home in and we're happy he did!). We worked with Peter again to refinance our home in 2012 and again in late 2014, securing better interest rates and terms each time. Peter is great to work with. He really knows his business, and will take the time to explain loan terms and concepts to you so that you understand what you're signing up for. I feel Peter is very honest and upfront with his clients. He will not try to sell you a loan that is not in your best interests. In short, I highly recommend Peter to anyone who is seeking to work with a knowledgeable mortgage broker. read more

Peter Holmes, an outstanding mortgage broker, was referred to us by our real estate agent. We are thrilled to have worked with Peter and his team at Sterling Mortgage in the journey of buying our first home. From start to finish they were so professional, knowledgeable, supportive and efficient about everything that it made it much easier for us to go through the difficult and stressful process of applications, approvals, rates, loans, taxes, paperwork, etc. We appreciated Peter's availability to answer all questions, clear communication and advice and cherished everything he did to get us the best deal. Peter Holmes excels at what he does with great respect, wisdom and personality and we highly recommend to partner up with him through the loan process. Thank you Peter read more

This summer we decided to refinance our house in Alameda. I wanted to find someone local who know the local real estate market, so I went on Yelp and found Peter Holmes and Sterling Mortgage. Our experience couldn't have been better. Peter was extremely knowledgeable and friendly, and he kept in constant communication with my wife and I. We were not only refinancing to get a better rate, but we also wanted to get my parents, who had co-signed our original loan, off the loan. He was able to find us a paralegal quickly and we were signing papers by the end of the month on our new loan. Refinancing can be a nerve-racking experience, but Peter had a calming effect on me and always helped me to see that we were making a great decision. I can't recommend him enough! read more

When you want to close quickly and smoothly, Peter Holmes is the one who can do it. We were new to this frightfully competitive Bay Area housing market, and after a long recovery from sticker shock, finally waded in to make our first offer. Peter was out of the country at the time, but still managed to provide the pre-approval letter we needed. Throughout the entire closing process, he proved to be a consummate professional -- resourceful, experienced, responsive, upfront, knowledgeable, and absolutely committed to problem-solving on our behalf. This is our first (and possibly last) Yelp review -- it's just not something we've done before. But others might like to know just how good this guy is at what he does. read more

Peter did an unbelievable job helping me refinance my mortgage and it was not at all a straightforward re-fi. I had a "situation" with my current lender that needed some cleaning up and a few other messy obstacles but Peter never gave up and walked me through what I needed to do to refinance. It took some time but my mortgage was drastically reduced and I could not be happier. He is really easy to work with, really rational and really courteous - which these days is really hard to find. I would recommend Peter to anyone looking for a great Mortgage Broker. I will definitely use him again and recommend him to my friends and family. read more

Totally great experience. Peter put in a lot of work and energy into a complicated situation with lots of moving parts. At every possible stumbling block he was there with great ideas and solutions. Peter was always available when I needed information, and he even answered me when he was out of his office. We were first time home buyers with tons of questions, and Peter and his staff were always quick to respond with the answers. His guidance definitely helped us through all of the stress that comes with buying a house. I would highly recommend Peter to anyone looking to buy a house, be it their first or fifth time! read more

Wow! My wife and I recently purchased a home and Peter Holmes was a tremendous resource. Not only did we have a previous short-sale and a short 21 day escrow to deal with, but we also had an appraisal come back low. Peter supported us in contesting the appraisal as well as providing a backup option. In the end, Peter was able to get the deal through. I am convinced that we would not have been able to close on the home if had we been with any other lender. Peter was extremely knowledgeable, very professional, and was on top of every last detail. read more

I called Peter Holmes based on his Yelp reviews. He is the real deal. As good as it gets. Even though it was lunchtime, he picked up right away. I told him I was just interested in information and unlikely to be a client but would he be willing to help me. Not only did he say yes, he provided quick, accurate and professional information on loan qualifications and on his company. If I need to recommend a mortgage broker at any time or need one myself, Peter is now at the top of my list. read more

Many, many thanks to Peter for a very marvelous work he has done. We were giving up already but with Peter he really went above and beyond our expectation. He also worked on giving us discounts and credits from the seller. Never was a time when you call Peter he answers our call right away or once you leave him a message he returns our call the soonest he can. Hats off to you Peter!! Thank you very much from the bottom of our hearts. You ROCK !!! MARAMING SALAMAT !! read more

My husband and I recently worked with Peter on securing a loan, and the overall experience was great. The home loan process can be challenging, but with Peter's help, we successfully achieved purchasing a home. He was incredibly generous with his time and effort, always ready to answer our questions and chat with us when we were available after work. I would highly recommend working with Peter and CMG. read more

Peter Holmes was the Mortgage Broker I was waiting to find. When I called, I left him a message and received a call back right away. He was exceptionally kind, thoughtful, and knowledgeable about the entire process and was able to walk me through everything and how to get started. I am very excited to be working with Peter and would recommend anyone to work with him directly! read more

Peter did excellent work for us. He found us several loan options and advised us through the entire process to make sure we got a deal that worked for us. He was aware of loan structuring options that other brokers seemed clueless about. He was patient with our questions and attentive to all the paper work needs to make the loan a reality. Highly recommended. read more

We had a relatively complicated refi and Peter was a dedicated professional throughout and great to work with. What's best about Peter is that he explains everything clearly so you know what's going on. Why you need certain documents for example or when to get ready for things. He has a deep knowledge of the industry and always calls back promptly. read more

Peter Holmes is an amazing broker! He helped us with a challenging loan and was nothing less than stellar. He walked us through all the (often confusing) steps of the loan process with patience and attention to detail. He got us the best rate possible. He's personable, professional and all around great at what he does! Highly recommended!! read more

Peter is not only very professional but very patient and thorough in his explanation of the process. I have completed three different mortgage transactions over the years with Peter and he has never disappointed. He and his team are the only ones I recommend to family and friends because I can trust that they will be in good hands. read more