I feel so fortunate to have found Scott Wise and Reliance financial. Reliance Financial had the best rates for a refinance, that I was able to find anywhere. Scott was so patient and available, through the whole process, helping me navigate different rate and lender credit options, answering paperwork questions, and walking me through each step of the process. In my opinion, the only thing more important than a good rate, is a broker that you can trust, who prioritizes relationship building and doing what is best for the homeowner. I plan to use Reliance for every refinance or home loan I might ever need in the future, which is a great peace of mind. Thanks again Scott! read more

We got loans done for our business and for our homes. for over 20 years the team here has worked tirelessly to find the best rates all while being incredibly kind, supportive, and attentive to all our needs. Highly recommend. Lucky and Scott have also helped many friends of ours. They will take care of you. read more

Lucky, Scott and their whole team is wonderful !! I've worked with them for new house purchase as well as the refinance and had very pleasant experience working with them. They are very knowledgeable, professional and helpful. They kept me informed during the entire process. I would definitely recommend them for anyone looking for buying a home or refinancing existing loan. read more

Had a great experience refinancing with Reliance Financial. We worked with Scott, who helped us secure a 5.5% rate with low total costs, making it one of the best deals we found. The process was smooth and efficient from start to finish. Scott was always reachable, walked us through each step clearly, and kept communication consistent throughout. Would definitely refinance with them again. read more

My wife and I just bought our first home and honestly had no idea where to even start. Scott made the whole process so much easier. He walked us through everything step by step, answered all our questions, and really took the time to make sure we understood what was going on. There were definitely some bumps along the way, but Scott was always there to help us through them and keep things moving forward. He also helped us find programs to save on closing costs and got us a great rate, which made a huge difference. In the end, we were really happy with the results. Thanks again Scott! read more

My husband and recently closed on our first home in Washington state thanks to the help of Scott, Lucky and the rest of the team. Before them, getting quotes and rates was a headache - spam calls nonstop trying to sell us an awful rate 24/7. Not only was the team at Reliance able to get us a super competitive rate, but the service they provided was warm and professional. Questions were answered promptly, documentation was smooth, and the fees for their services are minimal. They even helped us use leftover concessions to pay down our balance! Would and will highly recommend them to everyone we know. read more

Scott and team were absolutely wonderful to work with. Responsive, helpful, and provided both extremely competitive pricing as well as top-notch support. I'd reached out after hearing great things online, and was not disappointed. Would absolutely recommend reaching out to Scott and the team at Reliance Financial. read more

Scott Wise was our loan officer and helped us with a seamless close on our dream home! He has since kept an eye on the market and helped us refinance at the perfect time and could beat any rate we found! He made each process incredibly smooth and simple. He answered all our questions and was always an easy phone call away. You can tell he's an expert in the field and wants to help people. The entire team at Reliance Financial was personable and organized. We felt like we are in great hands. read more

I'm someone who likes to price shop and do my research. I talked to so, so, so many brokers while trying to refinance my investment property. Scott Wise got me the best rate relative to closing costs because he takes low broker compensation - I assume his business model is low fees/high volume. He's also super professional and very responsive. I didn't go through with the loan because my break even would have been about 2 years out, but I can confidently say he has to have some of the best rates of anyone in California and I'll reach out to him first if I ever need to purchase a property or want to go through with a refinance. read more

There is truly no one better to work with. Scott and the team at Reliance worked hard to find us a rate well below everything else we were being quoted. Unlike a few other companies we talked to, the team at Reliance wanted to get to know our preferences and really provide the right options for our situation. Scott guided us through the whole process and was always available to answer questions. We happily recommend this team to everyone looking to buy or refinance. We are looking forward to using Reliance for all our refi's moving forward. read more

Lucky, Scott and team are the best at what they do. They really go to bat for their customers to get the best deal. Document requests are concise, and they keep you informed where things stand. I have used their services on 3 occasions and highly recommend them. read more

Scot and his team were absolutely exceptional to work with. I have dealt with several loan companies over the years and Scot and his team were by far the most professional and efficient of any of them. They made the whole experience stress free. Which typically is not what happens when you are getting a home loan. This one was a bit complicated but you wouldn't have known that with the way Scot and his team handled the whole process. I will for sure be using Scot for any future home loans or refinance and will feel very confident referring Him and his team to any family or friends. read more

Lucky is hands down one of the best partners you can have when buying or refinancing your home. We've worked with him multiple times in the last few years, and he's always made the process easy for us. He and his team are so kind and patient, and they really make you feel like you're part of the family. We will always turn to Lucky for our property needs. read more

Thanks to reliance financial I can say that I successfully closed on my first ever home. The communication was excellent from both Scott and Navdeep, and as a result, they were able to handle a quick close. Scott was able to beat out the nearest rate offered to me by 0.25%. Navdeep was able to quickly address any issues that came up during closing. Lucky told me during our initial call that his team would provide the best rate and be able to handle my closing timeline. They delivered on all their promises to me and I highly recommend them to any homebuyer looking for great rates along with exceptional customer service. read more

I can not say enough good things about this company. We have left this team feeling like family. I worked directly with each member of the team and felt I 100% had their full attention during the whole process. Lucky was my go to man when it came to any questions I had. I am a first time home buyer and Lucky knew that and took the time to break down every step of the way on my home buying journey, after every conversation I left feeling I had a better understanding and more at ease. Stand up guy. Through out our journey I worked directly with Navdeep, and Sneha and they were very prompt and friendly with me. Multiple times I worked with Scott as he helped me work out the numbers side of the lending process and each time he had patience and spoke to me in a way I could understand, no jargon. These guys and gals are truly the best!! Although this was a very joyous time for me and my family, it was also a very difficult one too, as we had to put my grandfather to rest. RIP. Lucky and Scott showed so much compassion to us. Yes we were busy and working through a transaction but still they were able to treat us kindly and not just as a business transaction. They straight up told us, "take the day, we can handle business tomorrow". Very kind of them considering our deadline. This company is reliable, prompt, professional, and just a joy to work with. These are real, hard working, everyday people, trying to help you get a loan that best suites you. No shady business. We are so happy and feel so blessed to have met the team, especially after our transaction. Highly highly recommend! read more

Reliance Financial - Our very own home - Mortgage Lenders Near Me - Dublin, California

Last year I purchased a home and Reliance Financial Mortgage was instrumental in helping me through the process. Lucky Sandhu, and the team at Reliance Financial Mortgage made it easy and stress-free. They were always available to answer my questions and they were patient and understanding as I navigated the process. I was particularly impressed with the level of communication from the team at Reliance Financial Mortgage. They kept me updated on my loan status every step of the way and they were always available to answer my questions.I would highly recommend Reliance Financial Mortgage to anyone who is looking to buy a home. They are a great team of professionals who will make the home buying process as easy and stress-free as possible. I would not hesitate to use Reliance Financial Mortgage again if I ever need to buy a home in the future. Thanks Lucky and team for all your support and help! read more

My relationship with Lucky Sandhu and his Reliance Financial team spans nearly 15 years. Every one of my loans has been through Reliance Financial, and they've never let me down. The best part is how they guide you through every step of the process, offering complete support and transparency. I've never had to worry about securing the best loan because Reliance always delivers. Thank you, Lucky, Scott, Navdeep, and the entire team, for consistently getting it right time and time again! read more

I've known Lucky for a very very long time and we recently reconnected and have been able to do some business together. I know Lucky from when I was an AE back in the early 2000s and it is great to see someone who has maintained such integrity of business and is still taking care of clients today. Now I am on the Realtor side of things and am glad we are connected. I have been introducing him to my first time home buyers and WOW. Usually I expect to get a call or two from my client just asking general lending questions but Lucky answered all of the questions my client had and then some. Anyone I have referred to him has had nothing but good things to say. We had a 30 day escrow planned, but he could have done it in 20 to be honest! What a great partner to have in these crazy times. He also helped a referral relocation client of mine last year and really hand held and took care of the client even with all the bumps in the road. I appreciate his patience, his understanding, his positive attitude and the team he has supporting his business. You won't regret working with Lucky and his team. read more

Lucky Sandhu and the team made the whole process very simple and stress-free for us. They took care of all the things and made sure that all goes well, especially when it got a little tricky in the end. I really appreciate Lucky's professionalism and knowledge in navigating us through the whole process. He is very friendly, honest and makes you feel like family. Always open to our questions and was ready to go the extra mile to help us. Lucky and Navdeep kept us up to date at every step of the loan process. Thank you team, it was really a joy working with you all. I highly recommend the team at Reliance Financial! read more

Lucky and the Reliance Financial team continue to be our trusted partners with all matters related to RE financing. They truly understand their products, so you can dig into the details with them to make sure you find the right product for your transaction. Unfortunately, this is not common in the industry, as most brokers sell a pre-determined product regardless of the actual customer need. We look forward to continuing to work with Lucky and the Reliance Financial team. read more

Reliance Financial has been assisting me with various refinancing of our principal properties for several occasions as mortgage rates had been dropping. Lucky and his team have been very helpful and communicative in assisting during the refinance process. My son used them to refinance his property and we refinanced our rental property, as well. If you're looking for great customer service and upfront explanations, then Reliance is the company to consult. read more

Lucky & Scott were extremely thoughtful and patient throughout the loan process. We didn't end up moving forward with them due to them joining a bit later on in the process, but they still showed extreme transparency, candor, and knowledge. I wish I had a second home I could purchase to leverage their knowledge and expertise - hopefully we'll have house #2 sooner than later :) I would strongly recommend considering Reliance. read more

We closed 2 REFI-loans today. We would like to thank Scott, Lucky and Rajani of Reliance Financial. These 2 loans were denied by 2 major banks but Relaince get them done for us and with a good rate in a short preriod of time. I am impressed by Scott who understands the business inside out so he finds best option for us and save us money. We are thankful for the opportuniy of working with RELIANCE FINANCIAL. I HIGHLY recommend them to you. ''These guys are good!! read more

I have highly recommended Lucky and his team to a lot of friends over the last few years. Having worked with several other lenders over the years in a competitive real estate market and a fluid rate environment, I can objectively say that when it comes to the following, no one even comes close to Lucky and his team: 1) closing your loan in a timely and expedited manner 2) timely follow ups, overall responsiveness & customer service 3) consulting with you several times (and patiently I might add) to come up with the best "financial calibration" 4) troubleshooting urgent and unexpected issues outside of the typical 9-5 hours read more

The team at Reliance is nothing short of spectacular! As first time home buyer's we were not sure what to expect when purchasing our home. Lucky was very thorough when first speaking to him and was very articulate when walking is through our first steps and made us feel very comfortable when speaking to him. The whole team at Reliance was extremely helpful and patient with us when we would ask questions or were in need of support. We couldn't have asked for a better support team to help us with our purchase. If you are a first time buyer, I can say you will have comfort knowing you will have an amazing team walking alongside you throughout the process. Thank you again to Lucky and his team for their patience, support, enthusiasm, and for getting us into our new home!! read more

Top notch service. After my initial chat with a very friendly gentleman called Lucky, he straight up told me that the best way forward was with one of the bigger banks as I was after a jumbo loan. He then went as far as to name all the banks I should look at, and then introduce me to agents he knew there. Bottom line - Reliance Financial is an excellent first stop no matter what size loan you are after, staffed by people that go the extra mile for you even if it's not directly in their best interest. 5 stars. read more

I don't write review often but I am compelled to write this one. I worked with Lucky and his team to refinance my mortgage recently with a very competitive rate. He is very knowledgable and takes time to explain things in a manner that is very easy to understand. Whenever I had questions about things, he called me back almost immediately and addressed them efficiently. He is just a warm and caring individual. His firm also moved very quickly from the time I spoke on the phone and agreed to proceed to the funding. I've dealt with many loan applications in the past but working with Lucky was definitely the best experiences among all. Thank you, Lucky and Reliance Financial team! read more

Lucky was recommended to us by a friend and we are so grateful for that. As first time home-buyers, we had a ton of questions and needed a lot of guidance. Lucky and the team answered all of our questions and held our hand the whole way! We really felt like we were in good hands and great company. They made the entire process completely stress-free and were also able to get us a great rate. Throughout the process, there was not a single hiccup. When we refinanced, it was a no-brainer to work with Reliance Financial again. I highly recommend them! Excellent customer service! read more

Great team!! Proactive, professional, and highly responsive. Knowledgeable about loan products and sensitive to our specific needs. Scott Wise and the team were in constant communication, and guided us to what we feel was an optimal loan for our situation. Scott always took the time to answer all of our questions and to provide information to help us understand things. We felt very comfortable dealing with Scott and his team. They really made the process easy. We highly recommend Reliance Financial. read more

Highly professional, knowledgeable, and responsive team! Lucky explained the process to me from beginning to end. He makes the customer feel comfortable. Excellent customer service. He was always looking out for my best interests. His team helped secure my refinance during Covid with exceptional care. I put my trust in them and they most definitely came through! You stand above the rest! I wouldn't hesitate to recommend Reliance Financial to others. Thank you!!! read more

As first time home buyers, we started looking into the loan process by talking with few agents. Then we learnt about Lucky S, and I contacted him. Within few hours, a phone meeting was arranged by him and then next day a video meeting. He was so cordial, and explained us the complete process. I was blown away by the amount of attention he gave us, and the time he took to answer each and every question. I hope to complete the transaction soon. It was a very satisfying experience and I wanted to write this review for any new comers looking for mortgage. My advice would be-you are in best hands with Lucky S as your agent as we are. read more

I was recommended Lucky's services by a family friend, and I couldn't be happier. Due to dropping rates, this was my fourth time refinancing in the last 3 years, and my experience with Lucky was completely different than my experience with the others. The process was smoother, the rate was lower, and the closings costs were non existent. The rate and cost I was given was lower than what my previous provider could offer, and I was an returning customer! Its been so long since I have written a yelp review or even logged into my account. Lucky treated me so well that I had to press 'forgot password'. Thank you Lucky! read more

When it comes to our mortgage lending needs there is no other place we will go to other than Reliance Financial. As first-time homebuyers, we needed a lot of guidance and an honest approach to addressing our questions and needs. Lucky and his team did an excellent job on making sure we felt comfortable and relaxed from start-to-finish. I recommend Lucky and his team to all homebuyers, especially first-time homebuyers! This is a team you can trust and count-upon. read more

Lucky and his team were a dream to work with. From our initial conversation, through close, every communication was clear, thorough and a joy to engage in. He tailored our cash out refinance exploration and selection to our financial goals and got us an incredible rate, with zero stress during an incredibly challenging time in the world around us. The process was extremely smooth and he and his team were there with answers to our questions a number of times before we even asked them. We've refinanced with RelFin a number of times over the years and if we ever need to again, there's nowhere else I'd go. read more

We are purchasing a home a few parties and the situation was a bit tricky. Reliance Financial was straightforward to work with and they helped streamlined the whole process. read more

We had the honor and the privilege of working with Lucky Singh Sandhu! He is prompt, knowledgable, professional, amiable, and really easy to work with. In addition, he is always available to jump on a call and answer any questions or doubts. We highly recommend Lucky and Reliance Financial! read more

It has been a pleasure to work with the RelFin team from the start of our loan process. Beginning from initial conversations with Lucky, we found that they're very forthcoming about their practices, methodology, and process. Scott made the whole process trustworthy by being transparent and helping us understand it. We worked with Scott and Navdeep who were both very approachable. RelFin's team is meticulous and their process is streamlined. Scott & Navdeep were available to answer any questions and provided us with the best service we could ask for! They didn't leave any stone unturned in making sure this process was easy, understandable, and most of all, worry-free for us. Thank you RelFin team and we'd definitely recommend their services. read more

I am extremely happy working with Reliance Financial for my refinance. The complete team is very helpful and answers all questions patiently. I was in a particularly difficult situation due to a recent credit incident but they were patient and helpful beyond what was expected. The complete process was smooth and swift. I would recommend Lucky and his team in a heartbeat. read more

Always a pleasure working with Lucky and his team! We refinanced our house with him a few years ago. We were thinking about refinancing again recently because rates had gone down, but was busy with work and didn't have the time to initiate the process. Lucky kept track of our mortgage and saw a good opportunity for us to refinance again and reached out. Was very glad he helped get the ball rolling this time. Got a better rate and was able to take some cash out without making much of a change to our monthly payment. read more

If you want to be treated like just another number by a mortgage rep that could care less about you any special situation you may have with your loan needs then don't come here. If on the other hand you need a lender who is willing to go to the moon and back to get your loan done in 30 days or less, and get you an amazing rate in the process then this is your lender for life! We worked with Josie and Lucky and completed 2 loans for 2 different properties in 2 different counties (Santa Cruz and Sonoma) in a record breaking under 30 days from start to finish. This was miraculous because we have several rental properties in both AZ and CA AND I'm self employed AND my husband just started a new job this year! The sheer volume of paperwork that had to be submitted to them and reviewed by underwriting prior to loan approval would make your head spin! (20 rental leases, insurance policies, mortgage statements, tax returns, etc.) Thankfully they have an amazing streamlined online document collection process which was easy to use and made the paper trail seem more manageable. We have been delaying the refinance of our properties opting to continue to remain in higher interest rates because we dreaded the process so much (our joke was that we preferred to get a frontal lobotomy to any loan application process). Josie communicated with us almost daily to reassure us that everything was still moving forward and made sure our documents got reviewed by underwriting in real time and didn't just sit there while our rate lock ticked away. She even managed to negotiate a 5 day extension when, due to an over zealous appraiser who noted some mold in an upstairs bathroom, resulting in underwriting requesting a last minute mold inspection just 2 days before our rate lock expired, we had to schedule a same day mold inspection the day before the 4th of July! (So technically that property took 35 days to close and she/Lucky got the notary to come to our house the last day of our rate lock!) Thankfully the mold inspection yielded no required action since the mold was very minor (just needed to be cleaned off basically). Anyway, Josie remained cool as a cucumber throughout the process and Lucky worked closely with her to advocate for us throughout the process and we now have amazing 30 year fixed rates on these properties! Highly recommend this team and this company if you want a smooth loan transaction process, and especially if you are a "non-cookie cutter" borrower who owns multiple properties and is self employed and has been pushed around by other lenders like we have in the past. read more