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Wolf Rob & Associates

3.7 (3 reviews)

Services - Wolf Rob & Associates

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Sean Crowley - OriginPoint - Living and dining room that is in the process of getting organized

Sean Crowley - OriginPoint

(63 reviews)

Chinatown

After speaking with five different banks for our mortgage, we decided to move forward with Sean and…read morehis team at US Bank, and we have been really happy with that decision! They offered one of the lowest rates, but what really stood out was how much time Sean took to understand what I was actually looking for. He walked me through all the options in depth, explained the trade-offs clearly, and gave a recommendation based on my specific situation. When we bought the house 1.5 years ago, rates were high. I specifically wanted something that would let us refinance easily and with no fees, even if that meant taking a slightly higher rate upfront. Sean helped structure it that way. Two months ago, he * proactively * called me to say that better rates were available. We just completed our first refinance, which reduced our payments by about $4K per year, and we even received a $3K lender credit toward our February interest payment. I'm hopeful rates may continue to drop over the next months or years, and that we'll be able to take advantage of that again, and it's great knowing we are working with someone who actually keeps an eye on those opportunities for us!

I worked with Sean and his assistant Carla to buy my latest condo. they are both very dedicated,…read moreknowledgeable, and helpful. They spent quite a bit of time with me from getting me pre approved to close and showed me many different scenarios and loan options. they would also take time to explain things to me and help me understand the options. I would work with them again in the future. If you are buying, call Sean, you will be happy you did.

James W Argo - I am a Real Estate Loan Officer, in San Francisco since 1984 and associated with Real Estate Financial Services since 1994.

James W Argo

(14 reviews)

Financial District

It looks like my review will be the aberration. However, my review is current. Also, I am being…read moretruthful. I am glad for others who had a different experience with this broker than I did. I was referred to Jim Argo via the general manager of the Watergate complex in Emeryville, CA. I own rental property in that complex. I was having trouble getting a loan or refinancing because the property was unwarrantable for a period of time. There was litigation going on and repairs were needed on some of the balconies. (Not on my balcony or the balconies in the adjacent units above and below my unit). So I had to look for a private lender, rather than a conventional lender. The property manager told me that Jim was familiar with Watergate, that he knew private lenders, and that he could help me get a loan. I called Jim and started to explain the trouble I had with prior brokers I had contacted. He clearly was not interested in learning or hearing about my experience. He interrupted me and said that he needs to make money. Then he laughed. As though somehow that laugh was supposed to soften what he had just said. A few days later Jim called me and told me that he could not help. He stated that none of his investors were interested in my property. Then he said that he had told me he would get back to me quickly. It was very clear to me that Jim did not care about me as a consumer. I can appreciate wanting and needing to make money. But when you are dealing with a potential customer, it is never a good idea to let them know that you do not care about them. And, to rush them through a conversation. Particularly if they are trying to give you information you may need to help them. I eventually got a loan through another broker. So it worked out for me. In fact, I had competing offers from different lenders because investors recognized the value in my condo. The broker who eventually got me the loan, never made me feel like he did not care about me. He never made me feel like my needs were not important, or that I was merely a dollar sign. Unlike Jim, he was interested in building relationships. We were able to close the loan in a short period of time.

I highly recommend James for his mortgage brokering services. When we were first time homebuyers,…read morehe spent hours on the phone walking us through the process and providing clear explanations (indeed, my experience with James taught me that your mortgage broker is at least as important as your realtor). And he got us a great rate for the time. We used him again for a condo purchase for my mother, and he came through big time. He was fast and efficient putting together a somewhat complex transaction. And when our first deal fell through, he was able to transfer our initial rate lock to a new deal at a time when rates were rapidly rising.

Jeanine Nucum - Mortgage Brokers - I take much pride in my work. My goal is to simply "HELP and MAKE A DIFFERENCE" one client at a time.

Jeanine Nucum - Mortgage Brokers

(138 reviews)

First time home buyer and Jeanine took care of us like family. She took calls and responded to…read moretexts at any time of the day. She was able to answer my questions in terms that I would understand. From the start she knew our concerns and worked around it such as hard and soft credit checks. She was amazing to have on our side because once we started putting in offers, she was able to accomodate any timeline our realtor put to have a competitive edge. Besides her website providing notifications and reminders, she personally texted to remind us what documents were pending. She was able to get us a good interest rate and really broke down the differences in how much we put down and how that would affect the interest rates. She even broke down future recasts and how that would lower our montly payments. I'm glad to say she'll be my broker for life or until she retires. Can't wait for her call to say lets refinance when the interest rates lower.

Jeanine was wonderful to work with, especially as a first time buyer. We had a LOT of questions and…read moreshe was quick to answer them, and was easily reachable when needed. She was diligent about sending us reminders and kept us on track with to do lists, which was so helpful. She also helped explain things easily so we could understand. Our whole buying/loan process went by quickly and very smoothly with her guidance. Even post closing she has been so helpful to us and we really value Jeanine's expertise and care.

Mickey Cogliandro- Bank of America

Mickey Cogliandro- Bank of America

(28 reviews)

Financial District

Mickey has been a trusted advisor when it comes to San Francisco home loan and mortgage for almost…read moretwo decades now. Here is what I love. Yes, he knows how to find the best home loan product. He is a wealth of information with so much experience from being a top mortgage broker in San Francisco for so long. He used to focus on tenancy in common as well so he truly knows about financing for every kind of property that exists in residential real estate in San Francisco. But because he is born and raised in San Francisco, he also knows all the players in the business. Don't underestimate how important having a local lender with a strong network can be when it comes to the competitive market. Another thing about Mickey is that he is not shy when he is not the best person to help you. He doesn't waste your time he'll tell you right away that the loans that he has to offer are not going to be your best fit and even refer you to someone else who might be able to help. Definitely give Mickey a call when you need to buy a home or refinance and need a home loan.

My husband and I went through Mickey to process our mortgage. He gave us the best rate by cutting…read moreof .6%. That's huge! He beat SoFi too and way WAY more responsive than any other lender. He called, texted, emailed so quickly! We were thoroughly impressed with Mickey and his team. He helped us through every step of the way. It was almost too easy to have everything done so smoothly. Can't thank him and his team enough. We even got a box of chocolates mailed to our new home!! A+

Chris Kamali - US Bank - Great loan programs and rates!

Chris Kamali - US Bank

(118 reviews)

We are closing on a house this week and had to share our fantastic experience working with Chris!…read moreFrom start to finish, he made the entire process feel easy and seamless. Chris was always responsive, communicative, and proactive about keeping us informed at every step. He answered all of our questions quickly and clearly, which gave us so much peace of mind during what can be a stressful process. Beyond that, he's just a genuinely personable and kind person, just an absolute pleasure to work with. We're so grateful for his expertise and support, and wouldn't hesitate to recommend him to anyone looking for a smooth, efficient home loan experience!

Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

Wolf Rob & Associates - mortgagebrokers - Updated May 2026

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