James G. As a loan…read moreofficer, Ms. Laura Juarez is an ambassador for the Bay Federal Credit Union. She possesses many strengths in the lending business. Her knowledge allows new customers like myself to borrow money confidently and with peace of mind. She is quick to find ways to get the customer what the customer wants. Her cheerful attitude is always a plus when we meet face to face. There is a definite advantage of doing business with Bay Federal Credit Union. This company thinks out of the box. They want your business. Let them prove it to you. Thanks again Laura.

I just want to say THANK You for finding our our lost money after we attempted to deposit cash into…read morean ATM using a different credit union ATM machine. That ATM crashed during deposit. It started rebooting over an over again. We called their customer service and she logged everything on a recorded line. Told us to call Bay FED in the morning if we don't see any sign of our cash deposit. I called Bay Fed this morning and a very nice lady said she will open a claim and everything will be OK. Sure enough! It was! The provisional credit is there tonight so I can pay the property taxes tomorrow! So thank you.

Conscientious is the name of the game with this team. I…read morehave done a lot of transactions, but Integrity Lending is more on top of, and even ahead of every single detail there is in this transaction! Very smart & incredibly detailed, and the name Integrity fits perfectly! I recommend Trina & Integrity Lending without reservation.

From the owner: Integrity Lending is a boutique mortgage broker providing personalized, individual attention for…read moreall your mortgage needs.

My husband and I had a first appointment with Fernando it was the worst customer service I have…read moreever received. He was very rude when I approached him with questions. And when we got there he didn't even offer a chair to my daughter my husband had to get one for her. Also very unprofessional. Buying a house is a family decision. He only approached my husband during the appointment. Asked him so what do you want to do? He needed to ask both of us compared to other realtor and lending brokers appointments that I have been to. And the realtor wasn't even involved during the appointment he was just sitting on the sofa at first until Fernando asked him to get a chair and sit close to the desk. It was all very unprofessional and uncomfortable. Not a good sign to get help from them to buy your dream family house.

Fernando was very helpful and very consistent thought the loan process. He is easy to work with,and…read morealways available to help you. He cares about his job, that's why it's easy to work with,because he keeps your best interest at heart. Thank you Fernando

As renters, when we found out our home was getting sold, we were anxious, not knowing what to…read moreexpect in the process, and ultimately, if we would even have a home in the end. Janice kept us appraised and assured. Her friendly, family-like personality eased our tension and kept us feeling "at home". Janice found the right buyer and continued to offer assistance, going above and beyond even after the sale so that everyone felt settled in our homes! She was more interested in our comfort and in keeping us a home to live in rather than in her bottom line. And the bottom line? We found a trusted, honest realtor, and community member. We have a home, and a new friend!

I have used Janice for many years for both real estate sales and buys. She makes things happen…read more Can do ...positive attitude...she has worked many miracles for my friends and I...thx Janice!

WOW! She was so patient. She was extremely knowledgeble, and made the transaction go so smooth…read more Couldn't be happier! You will be happy too!

Called her number many times but no response. Learned that she is no longer in the real estate…read morebusiness and is now a book-keeper.

As a resident of Sierra Crest, I first noticed Zaid Hanna's name back in 2024 when I saw his real…read moreestate marketing poster at my doorstep labeling him as the "your #1 Sierra crest Seller Agent." I snapped a quick photo of it, thinking I might consult him if I ever needed to sell. By the winter of 2025, I received another flyer from Zaid that read: "The market is frozen, but we didn't give up." Even though the market was rough at the time, that property sold shortly after. His words truly touched me. In the high-cost, wealthy Bay Area, a modest condo often doesn't get much attention; many agents wouldn't bother putting in the effort and would simply advise the seller to rent it out if it didn't sell quickly. Although I had never met Zaid, I saved his number in my phone right then because I was deeply impressed by his work ethic. In the spring of 2026, my mother unfortunately passed away, leaving behind a condo that needed to be sold. I was at a loss for who could help. The property's location wasn't ideal, and the market was slow, so I knew I needed a top-tier agent. While I initially considered finding a Chinese-speaking agent, for some reason, I decided against hiring a Chinese agent. That's when I thought of Zaid. One day afternoon, I gave him a call and described the condition of property. he scheduled our first meeting immediately. Zaid was very nice. Our first meeting went incredibly well. Zaid analyzed the market for me. It was April, and inventory was unusually high. He recommended a minor renovation, and I agreed because I knew it would change the look of the home. He was highly professional and honest with me, acknowledging that the market was tough, especially for condos. However, he emphasized that his goal was a quick sale upon listing so it wouldn't sit on the market. Zaid's true professionalism shines through his phenomenal team. From remodeling, cleaning to the official listing, every team member was diligent and responsible. The renovation took about two weeks--a bit long, but the results were stunning. The house officially hit the market around Memorial Day. Throughout the process, Zaid called me every Tuesday to give updates. Remarkably, after just 7 days on the market, we received an offer! This completely exceeded my expectations. Given the less-than-ideal location, I had mentally prepared myself for a long wait. Seven days was faster than I could have ever imagined. I had seen many condos on Zillow sitting on the market for over three months, forcing sellers to slash prices multiple times. I felt lucky. The subsequent escrow and contract process went smoothly without a single delay. All contingencies were removed exactly on schedule. Yesterday, on July 2nd, this modest little condo officially closed escrow. I am incredibly grateful. It is easy to sell a perfect house, but selling a property with an unfavorable location requires an agent with extensive knowledge, sharp skills, and precise valuation. I believe a challenging property is the true test of an agent's capability, and Zaid completely proved himself. He gives honest advice that both buyers and sellers should take seriously. I highly recommend Zaid and his team, and I look forward to working with them again in the future.

My wife and I worked with Zaid Hanna at Real Estate 38 to sell my father's house that I inherited…read more The outcome was positive and the process was efficient and transparent. Zaid and his staff were professional, knowledgeable, dependable, and to the point. I would definitely work with them again. Zaid was honest and forthcoming about the value and sales process that he expected for the house, and it played out just as he outlined, with the sale price beating his prediction. With invaluable advice from Zaid, we decided what improvements to invest in, and then Zaid took it from there. He introduced us to a contractor that he works closely with and trusts. It was the easiest home improvement project I have ever experienced. We all met briefly to walk through the house and discuss the desired improvements, the contractor provided a quote which was fair and straightforward, and then Zaid and the contractor drove the process from beginning to end. We were fully informed and consulted, and then before we knew it the work was done and the results were good. The rest of the process was just the same. Zaid directed me to the providers he recommends for different inspections, etc. and then he took care of the rest. The house looked great as staged, and it was photographed well. The open house must have gone well, because a few days later we were in escrow. Easy-peasy, for us at least!

When we started looking for a property in Aptos a year ago, we went to Yelp to find realtors that…read morewere familiar with the local market. Mike Bloch's reviews were great, so we contacted him. He stood out for his knowledge of the Santa Cruz market and his personality and positive, open attitude. We decided to work with him, and he and his team delivered. Within a few months, we found a property we liked, so we decided to make an offer. Even though our offer was good, the seller decided to take a different offer (the house was a duplex, half of it occupied). We continued to monitor the market with Mike's help. We narrow down our search to a very specific, relatively small neighborhood close to the beach. It took us several months, but we finally found a great property, made an offer, and we got the house! Thank you, Mike for your patience and for guidance throughout the entire process! :-) :-) :-) :-) Sincerely, The four of us

This is my second time using Mike Bloch's services. First time was like 15 years ago. So many…read morepositive things to say. First, off, we had been looking for a new house for a few year, and he was always so patient with us and never got any pressure. He is down-to-earth, very honest, straight-forward, great communicator, and just a super great guy. He did such a great job marketing our house to be sold and advising me on how to fix it up to sell quickly and for the right price. What a great partner. Thanks Mike.