My friend and Realtor Jen Beehler with Elevate Group, referred me to Rob McCarthy with 101 Loan to…read morehelp me with the purchase of new home. From the start to the finish, Rob and his team went above and beyond to help me with the process (making it as smooth as possible) and offered the best rates and lowest fees on the market. He and his staff were always available for any question, big or small, even on weekends. They were amazing to work with and my "go to lender" for anything financing in the future. If you're looking for a great mortgage broker or lender, look no farther than Rob McCarthy at 101 Loan. He's the best!

Rob and Renee did a great job helping us buy our home. I appreciated the time they took to explain…read moreall of our options on how to obtain financing. During the offer construction process, where minutes counted, we were able to get on the phone with Rob quickly to discuss strategy and make adjustments to make sure that the loan wouldn't break the bank, so to speak. When the offer was made, the team also lent their support to reach out to the seller and reassure them that we were in a solid position to meet our obligations. Going with Rob and Renee gives a level of extra service and responsiveness that can go a long way in a competitive market where time, relationships, and market knowledge count for everything. During the contract process, they executed everything smoothly and seamlessly, resulting in a drama-free transaction. Overall, we were very satisfied with their work.

Bob is great. All I can say is, he will make it happen no matter what the situation is.read more

Bob has continued to harass our family after we've asked him not to contact us. When he left NAF…read moreand went to another outfit, he took our information and started spamming us from the new organization. Now that he is back at NAF, he has started doing the same thing again. We've unsubscribed, blocked and he still manages to access us since he is doing it outside of the NAF channels. Now, he has signed us up for Homebot, which is something we never authorized. Taking someone's information and signing them up for things that they didn't authorize is a violation of the California Consumer Privacy Act. I've gone ahead and reported him to NAF a third time, contacted an attorney and will be filing a report against his license on Monday. I've given you several opportunities to stop harassing us. I have every text, email, and snarky voicemail saved. If this is the route you want to go, I'll be happy to follow through. Final warning, Bob.

Esther and her team are amazing! We got a terrific rate and closed on our home a few days ago…read moreafter 5 years on/off trying. Essentially we worked with Team Esther 3 times, because after failing to buy a home and taking a break, each time the financials would have to be reprocessed given our life changes. But we stayed with them and they stayed with us, always with an open door and a welcome back. I can say from time tested experience how consistently reliable, accessible, and knowledgeable they are! Would highly recommend.

We had a really great experience with The Loan Story! Esther and Yvonne were super helpful during…read morethe home search process and were always quick to answer our questions. After we were under contract Yvonne provided great insight on mortgage rate trends and Paul helped make sure the process moved along smoothly. They helped make buying our first home much less stressful!

We had a great experience working with Grant. We contacted him after we had already submitted an…read moreoffer with a 15-day close, and he was able to get everything done on time without any hiccups. He was extremely thorough and knowledgeable about every aspect of the home loan process. As first-time homebuyers, we were pretty out of our depth, but Grant answered every question we had and made sure we understood what was happening at each step so we could feel confident we were making the best decisions for our family. I would recommend Grant to anyone in the area looking for a home loan.

The reviews are absolutely true about Grant. He is an amazing broker and also person. I highly…read morerecommend him and his services; especially to first-time home buyers. He's very honest and thorough, which helped us really get understand how the home buying process works. He's the guy you want on your side and the friend that has always felt has been by your side.

My realtor recommended Lee and I'm very grateful that I ended up using her. Her rates were as low…read moreas anyone I could find, but with the added benefit that she was local. She really knows the fast paced Silicon Valley lifestyle, and was always a text message away, or would meet with me at odd times that fit my schedule. I'm very happy that I went with her as my loan officer and would recommend her to a friend in a heartbeat.

We are investors and have worked with many loan officers. Lee is definitely one of the best. She…read morehas the most loan options available and the rates she provided was the lowest. Lee took the time to explain the different loan options to us. Keep us posted on the interest rate movement. The application process was easy and it was done quickly. Lee kept us informed every step of the way and explained things clearly whenever we have questions. The entire process was smooth and great. Will definitely work with her again.

We have worked with Lucy Mcguire on getting a mortgage loan for the house we purchased - although…read moreit wasn't an easy deal and there were many hurdles along the way, Lucy had efficiently helped us overcome all of them and complete the deal two weeks before the projected time - we also had to refinance one of our houses as part of this process and she again demonstrated an outstanding capability to run all those deals in parallel successfully A few months later we wanted to do a HELOC on our home (Get a line of equity) - Lucy used her connections and influence to smooth up the process for us and found creative solutions to resolve several problems we faced during the process - this is what I call a value added service! I Highly recommend her work and professional and dedicated approach to everyone thinking about going forward with a real estate financial transaction

Great loan offer and very quick service! Would highly recommend working with Dave and his team!read more

A home refinance is a complicated journey with definite demands on your time during the period of a…read moremonth or two - you're basically going through the process of buying your house all over again at a new rate. There's a lot to sustain you through the journey, namely, the excitement of reducing your monthly mortgage payment by locking in a new lower interest rate. And, in truth, you need a high level of excitement to motivate you as you now begin to jump through many hoops en route to the finish line. There's the gathering of massive amounts of personal documentation to support the new loan, the making of your credit information available to the bank, the poring over reams of disclosure statements, the seemingly endless signing of final papers with a notary, maybe even an appraisal of your home. Just when you think it surely has to be over, there's something else to do that will take a couple hours of your evening after a hard day at work. And so that's where you need a mortgage broker to guide you through the process calmly and competently and give you the confidence that, yes, everything is going to work out. I can't say enough about how admirably Lee and the others at the Adeline Mortgage Team demonstrated these qualities throughout my journey. They kept their eye on the calendar so that we didn't lose the phenomenal interest rate. They kept the paperwork flowing back and forth, always aware of where we needed to be in the process to stay on track. When something in a disclosure or document worried me that I wasn't actually going to get the great terms that I'd been promised, Lee was always there the next morning with an email or phone call to explain the numbers and assure me that all was well. It really was such a positive experience to work with Adeline Mortgage Team. They're so efficient, organized, positive, and friendly - true guides through the refinance saga. You really do get the sense that they are a true team! I feel like refinancing my house and knocking almost $500 off of my monthly mortgage payment was a big accomplishment in 2021, and I'm glad I used this team to do it.

I had one of the worst experiences here working with a lender. I will not name her due to respect,…read morebut she was not very good in communicating or double checking every one works. The underwriter is horrible as well they made me write statements for the wrong amount about me paying my taxes. First of if you do not know what the closing cost will be then just telling me, I had other lender give me a list of what the fees will cost and this lady just said it could be 40k in closing cost. Now this is during the first conversation I had with them. My heart dropped already because 40k is a lot and that will cut into my home renovations. She kept emailing me about getting these files in right away or this will delay the process within barely the first 10 minutes. I had uploaded all docs within a few hours. At this point buying a new home is already stressful having her push me and talking about delays is putting more stress. She kept asking for more docs over and over. I would have hoped she had given me the list in the first place instead of asking me for the extra docs almost everyday. When I wired the money to my escrow she emails me back with why are you wiring money from an account we have not validated, this bank she was talking about was the bank of the escrow company not mine. Again not reading and putting more pressure on me. After a long 30 day process everything was completed and I get a call from her boss asking me about my experience which was horrible. She told me shes part time and she had over 11 loans to work on, this is not an excuse for bad service if she is over loaded then tell me and I would went with someone else. Fast forward to today. I now get another email from her about a document that I had already provided I'm sure shes lost from the 100s of documents she made me send and it would be easier for her to make me resend it then to look through everything. TIP: Make sure to get someone experienced, Ask them about the process. luckily my closing escrow was 30 days. If this was 17 days I would have been F'd.

Dave, Danny, and the entire team have helped us multiple times, and we've never had anything but a…read moregreat experience. Dave has consistently gone out of his way to help, and Danny has been great to work with as well. They're responsive, thorough, and always make sure I understand every step of the process. They take the time to answer questions, talk things through, and genuinely treat us like valued customers--not just another transaction. I can't thank Dave, Danny, and the team enough and would absolutely recommend them to anyone looking for a mortgage team they can trust.

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I…read morewould have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez

Angela was instrumental in getting us very quick pre-approvals and helping us with the loan…read moreapplication. She is very patient and very responsive. She responds to your texts even late in the evening. She took time out of her busy day to explain every step of the process. We decided to go with another lender for the mortgage because of a difference in the rates that the bank was able to offer. You can't fault her for that though. Highly recommended.

Has been her customer for many years. Great experience doing our loan with Angela. She is very…read moreknowledgeable, very fast in execution, always kept us in the loop. There was a case when we had to switch our lender/agent at the last minute due to unavoidable circumstances. Angela helped at that point. I felt that she keeps customer ahead of everything else.

With an impressive depth and breadth of loan financial knowledge, Michele guided me through a…read morerather difficult process. Moreover, she was a dogged champion of me achieving my loan goals. One couldn't expect to find better loan officer! Tip: Don't miss a chance to sit in on one of the Reen Team's Homebuyer's live hosted online workshops. Highly informative, like a Home Mortgage 101 college course!

If I had to describe Michele in 1 word: integrity. Michele consistently took my phone calls in my…read moremost stressful times of the home buying process. Both times she gave fantastic tips and was extremely helpful in my situation. Every conversation with Michele has been so refreshing in this constantly stressful process of finding a new home. Always honest and willing to work with me. The biggest reason she has high integrity is both times we spoke, she was able to confirm the quotes I had were strong and didn't try to pull anything on the other lenders just to make a commission, she truly cares about people and gave superb feedback on the process. There was no monetary incentive to help me, she was just a kind person who wanted to help. Thank you for being awesome!