To say it was a pleasure to work with Mr. Schonian is an understatement. As first time home buyers,…read morethis was a big deal for us. There were countless things Karl helped explain. He was always prompt with his response, patient and honest. My husband said he always went above and beyond our expectations!! He helped me to navigate through different scenarios and made things happen. I'm not a procrastinator myself so I really appreciated this. We look forward to building our portfolio and working with Mr. Schonian in the future.

Karl and his team continue to deliver professional and friendly service to my family. We've been…read moreworking with Karl for a few years now and we have nothing but respect for him and his team. This time around we didn't think he could help us due to a few challenging factors; VA loan, self employed, and spouse hours were cut. Not to mention, taxes were being held up due to COVID-19 pandemic. We have found him to be so helpful and recognise how time consuming this must be for him; but at no time had he made us feel that it was an inconvenience to him. Karl was organized, thorough, professional, and kind which made all of the difference in our interactions.Thank you for your patience as well as treating us as people rather than just home loan customers.

Karen is awesome. I was trying to refinance our mortgage and look at buying a second home and we…read morehit some unexpected issues and Karen was all over it. I would highly recommend Karen - she is smart, focused and reliable. I am happy to be working with Karen!

Karen was referred to us by a friend who had a wonderful experience purchasing their home with her…read more She was described to us as a "closer who knows her stuff" and that was certainly our experience. She was very generous with her time, walking us through the wonky details of funding a home purchase. She was highly responsive and communicative and worked closely with us throughout this process, going above and beyond her role as a mortgage broker. She moved very quickly to get appraisals done and to ensure an expedited closing when requested by the seller. You should always shop around for the best interest rates, but after speaking with several brokers, we found her rates highly competitive and she worked with us to secure financing we felt good about. She and her loan agent assistant, Gladys, displayed a very high level of professionalism and clear communication throughout this process. She has years of experience in this industry and that proved to be a huge asset in our experience.

We found Sean through a referral from our Realtor, Jessica Nance, and honestly, I don't think we…read morerealized at the time how much that decision would shape our whole experience. As first-time homebuyers, we had a lot of questions... and then somehow even more after that. Sean never made us feel rushed or like anything was too basic to ask. He was quick to respond, super patient, and took the time to actually explain things so we felt confident in what we were doing. What really stood out to me was how calm and steady he was through the entire process. Buying a home can feel like a lot, and there were definitely moments where it could've been overwhelming, but Sean and his team made it feel manageable... and honestly, smoother than I expected. They stayed on top of everything and kept things moving without us having to chase anything down. My husband and I just always felt taken care of, which matters a lot with something this big. If you're looking for someone who knows what they're doing, is responsive, and genuinely wants the process to feel easy for you, Sean is your person.

We had given up on buying a home and when we saw our Dream home was back on the market we were…read morescrambling to get a lender and securing a loan. Sean was referred to us from our realtor and she told us Sean was great but we didn't expect him to actually work magic. He was able to get us pre-approved in a day and worked to get our loan funded in a week (yes, actually 7 days), which left us a week in spare in our 14-day close! Sean was so communicative and loved how he explained every step of the process. He made our first home buying experience so easy! Would definitely recommend Sean!

I just refinanced my home with Steve, and he did a great job. He stayed on top of the rates and got…read moreme a 3.5% 30 year fixed, which I'm thrilled with. Ive done all of my home loans since 1999 with Steve. He is one of the most knowledgeable lenders there is. He can explain different programs and any of the documents you have to sign to help you feel comfortable.

From the owner: Serving the entire San Francisco Bay Area we provide real estate financing for the Purchasing or…read moreRefinancing of Residential, Investment, Multi Family, Commercial and Construction loans.

My partner and I are currently first-time homeowners, and unlike the other parties we had to work…read morewith throughout this transaction, John made it super easy and walked us through each step of the way. Multiple, multiple times to ensure that we understood the how and why. In fact, he is the highlight of this stressful, home-purchasing process. Even post transaction, John made sure to send me reminders, and I still go to him with questions to validate my Google searches on a monthly basis. Though I am an excellent Google searcher, I highly value John's opinion and experience. Highly, highly recommend John! No regrets!

This guy is a thief. He will do his best to give himself a inflated commission and make you think…read morelike he is doing you a favor while he takes your money. I don't mind paying legitimate fees, but hate someone who tries to take advantage of people. This guy is slick. He really tries to extract extra fees during the loan process I ended up having to throw this guy off my deal because he kept delaying the close of my property He kept trying to squeeze more money out of me, but never gave me a legitimate reason why it was needed. He is a master manipulator. At one point he tried to charge me 5 points in order to lower my interest rate a measly 1/2 percent. He even fooled the Realtor I was working with almost to the end. Fortunately the Realtor had some integrity and managed to salvage my deal at the last minute. He is the worst lender I have ever used. I have no idea why he is not in jail. He has had to change companies a few times after my deal closed. I am confident it is because he got caught trying to pad his commision. Stay away from this guy. He's a wolf in a expensive suit. I worked with this guy after the financial crash during the worst lending climant in history. It really takes someone arrogant to try to rip someone off during that time. I might add that my loan was not huge, so why inflate the fees so much unless you are purposefully trying to rip someone off. I also want to clarify that I am not in the real estate business as implied by other reviews. I am in the medical business. This guy cost me extra money by delaying the close of my deal. I am sincerely concerned that he is still out there being allowed to rip people off.

Terra has been an awesome Mortgage Consultant. We have used her services when buying a home, and…read morefor re-financing a home. She always works with us, explains various aspects of the process, and gets us the best deal available for a new mortgage. In addition, she reviews insurance coverage and makes suggestions where warranted. I wouldn't want to work with anyone else - Terra is The Best! 10-stars!!

I would have chosen 10 stars, if I could. I just closed an escrow in Newport Beach with the help of…read morea fantastic lender Terra Sotelo of Apex Mortgage Solutions. Terra was superior in her ability to get things done, approved, on track, and on time. She was excellent also in explaining procedures to the client and keeping them calm and collected. Escrows are NEVER easy, but sure is great to have an expert on your "team". I highly recommend Terra Sotelo to anyone purchasing a home. Thank you Terra! Janet Thompson First Team Real Estate

We have worked with Jay and Chris a couple of times now, and they are always consummate…read moreprofessionals. We have been very happy with the mortgage refinances they've handled for us. They are diligent and responsive to our concerns and never fail to get back to us promptly to handle any questions and provide thorough information about the process and status of the loans. We recommend Jay without any reservations whatsoever.

Jay is the best! I was referred to Jay by a friend after Big…read moreBank "X" declined my refinance loan because (after 2 months!) they could not get the proper insurance documents from my HOA. Jay stepped in and within 3 weeks a new loan was approved, at a higher appraisal value. Jay is able to quickly resolve problems as they come up, explains what is needed to keep the process moving, and what is needed to close the loan. I could not be happier and would recommend Jay to anyone.

John was referred to us by our realtor and we were so lucky to have worked with him! He patiently…read moreanswered all of our questions and worked diligently to meet our very tight closing schedule. He is incredibly knowledgeable and understands the lending market very well. He really took the time to run through the closing costs and estimates with us and helped us in making sure we knew what we were getting into as first time home buyers! We look forward to working with John and Emery Financial in the future and highly recommend others to work with him and his team!

John and his team were helpful throughout the mortgage process. As a first time home buyer, the…read moreprocess was opaque and made me anxious and stressed out. John was helpful and made himself available to answer all my questions along the way.

I have been through the mortgage process about 10 times now. Working with Steven for the last two…read moremortgages has been the best experience by far. He is extremely knowledgeable, trustworthy, honest, and got me the absolute best rates out there (others didn't come close). He has made the process completely painless and he knew what was needed up front. Other brokers require a ton of back and forth fetching or updating documents, where with Steven it has been pretty much one and done for me. I highly recommend reaching out to Steven. I personally recommend him to everyone who is looking at buying or refinancing their personal home or an investment home.

Steve goes above and beyond to get you the best deal with a seamless transaction! Him and and his…read moreteam are top notch and are there to assist you whenever needed!

WARNING! Do not refinance through Fremont Bank in Danville, CA. We have excellent credit and were…read morepromised a quick refinance. It took four months to complete. Mistakes were made, and in the end we ended up having to pay over $7,000. in fees. They are full of promises that they do not uphold. We have been through a few refinances in 40 years and this by far was the most unprofessional bank ever.

I LOVE this bank!! Buying a new house is stressful enough, but Susan and Michael made my process…read moreeasy and quick. Their customer service was the best ever and follow up amazing. Truly, the customer comes first and they even delivered more than they promised. I am deeply grateful.