If I could give a zero I would. Terrible customer service and follow up. Used Vulgar language on…read morethe phone with me. Worst refinance of my life.

Chris Black is a consummate professional, he got my family a loan when no one else could. On top of…read morethat he got us the best interest rate on our 30 year fixed loan. Furthermore he closed the loan in 11 days which is unheard of! I will use Chris again, and i would refer him to my own family, and friends.

Chris is about as good as you can get. We have used Chris to buy and sell several multi-unit…read moreproperties in San Francisco, so we have seen him in action in different and complicated transactions, especially with a duplex he just sold for us during this really complicated and challenging Covid time. Chris's extensive experience really paid off, because we had so many things thrown at us, like Covid showings, tenant buy outs, banks walking away from buyers after they were pre-approved, complicated permitting issues, TIC agreements, multiple escrows, and challenging pricing of the units in a fluid Covid market. Most other brokers would have been over their heads, but not Chris. He cheerfully, professionally and competently plowed ahead, overcoming all obstacles. Chris is one of the best real estate people in San Francisco, if not California. I would HIGHLY recommend Chris!

I've known and worked with Chris for years. His knowledge of the real-estate market, San Francisco…read morelegislation related to tenants, condo conversion, transfers and much more, gives you the confidence that you are in the best of hands when either listing or having Chris representing you as a buyer. In addition to all that - he is a great guy. I would highly recommend Chris Panou.

Ken Woo, Golden Gate Financial, he did an amazing Job of getting some Equity out of my property , I…read morewould definitely go with him again ! Thanks again Ken Woo!

Working with Kenneth Woo was great, communicated when necessary, got the loan funded and was able…read moreto close on time. Recommend Kenneth to anyone looking for a home!

Steve and his team were professional, warm and helpful throughout! He made the home buying…read moreexperience as gentle as possible and I felt like I had amazing support during the entire process. When things took a challenging turn Steve promptly stepped in and masterfully had a lawyer on hand to help the sale go through. I can't thank Steve and his team enough for going above and beyond.

Steve is too humble to let me include all of his well deserved superlatives in a long review-so…read moreI'll keep it short! The process of buying a Rossmoor condo was made smooth and easy by Steve's extensive real estate experience, his expertise, his attention to detail, his curiosity and his very friendly, pleasant demeanor; while still being a great client advocate! Honestly, it was an absolute pleasure to work with him! You can't go wrong with Steve on your team!

Simply put....working with Rob and his team on a refi has been the smoothest mortgage transaction…read moreEVER! He knows his stuff and responds within 45 minutes. 6 stars.

I wanted to buy a place and went thru several lenders and none could make my scenario work. Then…read moremy cousin referred me to Rob, and he actually found the perfect loan for me. Again: NO ONE could do anything remotely close to what he found for me. I ended up not getting the house since someone bid higher, but I told him I will call him for any deals that come my way, and tell all my friends and family. EXCEPTIONAL service. THANK UU ROB shaida

Just closed after a very easy, clear, and smooth process facilitated by Jay. The rate and closing…read morecosts he was able to provide were significantly better than another broker I was working with. The actual closing costs (and rate) came in under his estimate. He guided me through the process and let me know ahead of time of documents and verifications I would need during underwriting. He was always easy to reach via phone and email with very prompt responses. The whole deal was absolutely painless and there were exactly zero surprises. Just perfect. I highly recommend Jay and First Capital Group.

We worked with Jay to get our first home and had such an amazing experience! Our situation was a…read morebit complicated, and we had even been told by another broker that we wouldn't be able to get a mortgage, but Jay was able to handle everything with ease and flexibility. Further, he was great with answering our questions as first-time home buyers, and giving us ideas of what financing would look like with different properties. We would definitely recommend him and plan to work with him again in the future!

I had to sell my mother's home last fall and Craig and his team did an incredible job guiding me…read morethrough the process. I was caring for and relocating my sick mother at the time, and was basically able to "set it and forget it" as we started the sale. Craig took care of most of the logistics of prepping the home, and I appreciated his empathetic approach and respecting the pace I was comfortable going at. We sold the property for $400,000 over asking, and I'm so grateful for how uncomplicated the process was despite my worries. Thank you, Craig!

Craig and his team of professionals and referred tradesmen were excellent. This was an out-of-town…read moreproject for us and everybody made it easy for us to get the house spruced up and ready for sale. The real "proof" is in the results. Our property sold for significantly higher than the price and we have Craig and his team at Proof Real Estate to thank. Sincerely, Gregg

Our family has experience with Bob and Pat Ravasio as both buyers and sellers: Son David purchased…read morehis house in Sausalito from Bob's reluctant seller, and we just recently sold our mother's house in Corte Madera--before and during the Covid-times. Neither deal was simple, but we were so impressed watching Bob navigate and negotiate our son's deal, we sought him out. Bob's calmness and reserve , combined with a smooth savvy one might find in a classic movie detective, impressed us at once. These personal traits, as well as his knowledge in deal-making and genuine kindness, make Bob a unique--and great--real estate agent. And he works tenaciously to make the deal fair for all. In this tough virus time, he did not give up. Pat, the other half of this successful team, is lively and exuberant, also savvy but not voracious--someone you want to know. She has a good eye for what needs to be done to make a house more appealing. She knows and loves Marin. Riding her bike, she engaged the neighbors; watered the plants; shopped for mirrors. Probably because of their experience, professionalism and characters, Pat and Bob have developed a team of experts and contractors--for permits, electrical, woodworking, roofing, staging, painting, flooring, gardening, cleaning. All were excellent. Bob and Pat listened to us clients. My brother and I knew our ideas and desires were being heard. Even better, both were generous with their knowledge and information and advice. During the Corte Madera sale and Covid, we had one buyer step back the day before escrow closed, one buyer became ill and disappeared, two buyers eventually made the same offers. The house was closed to viewing, then shown only in virtually and in limited ways. Caldwell Banker backed them up. What began as an quick and easy sale in early March ended in a Covid sale at the end of May. Bob and Pat did not falter. We got to know, like, and respect Bob and Pat Ravasio during these months, and we most highly recommend them to buyers and sellers. In spite of these precarious times, we sold our house and we did fine.

Most ethical, honest, and all-around awesome realtors in Marin! Bob and Pat have done so much for…read moreour community and are very generous and charitable. Whether you have a home to sell or are looking for your next one you should go with this spectacular Team! Pat is a vivacious and creative woman who has the pulse on the community and can get anything done. Café Verde is just one of her valuable contributions to our community. Her husband Bob is the kindest realtor I have come across. His sensitivity and unusually selfless style is a rare find in the real estate market. Bravo you two! A fine team! 5 STARS