Top-Rated Mortgage Lenders & Brokers in Bay Area

• - 5/5

In Years Past, Warren has helped me refinance my home twice reducing my debt each time. He is a great guy and you will enjoy him immensely and be pleased by the reduction in your monthly mortgage payments. I highly recommend him to you. :-)

• - 5/5

We could not be happier with C2 Financial Corporation and specifically Joseph Chacko, who managed our loan process. We have used him in the past with such a great experience that when it came time to purchase a new home, we went straight to him for our loan needs. He helped us work through our options with patience and professionalism, and when it came time to process the loan and take it across the finish line he prepared us every step of the way, reliably and efficiently. Thank You!

• - 5/5

C2 Financial Corp, my lender for my first house, demonstrated excellence throughout the process. Their expertise and personalized approach ensured a smooth journey. I highly recommend their services for a seamless home-buying experience.

• - 5/5

The best knowledgeable loan officer We had a great experience with Joseph for our first home buying. As a first time home buyer I had many questions which were answered in detail and also Joseph had also explained various other options that are available to me which was really helpful especially in the seller’s market. From pre-approval through closing the process was stress free. Our loan was processed in 7 days. & the closing was done within 21 days . Joseph also provided us the closing cost estimate which was very helpful for the first time home buyer’s. Joseph and Martha are very knowledgeable and responsive, always happy to answer my questions and also provide me best solutions. I highly recommend Joseph chacko and team for smooth loan process.

• - 5/5

Joseph is easy to work with, very knowledgeable, prompt and most importantly has the numbers right with no surprises at the end. I would go back to Joseph for my next refi or buying

• - 5/5

When another lender backs out on your loan, C2 Financial Corp steps in to secure it for us. I wholeheartedly endorse Joseph and his team for any home loan requirements. They exhibit exceptional expertise and competence in their work.

• - 5/5

My personal experience with C2 Financial Corp was very positive. Being a first time home buyer, I had lot of financial queries and many a times, Mr. Chacko himself or his associates were patient enough to clarify, guide and answer all of these queries no matter how trivial it was. Overall I had a pleasant experience and would recommend C2 Financial Corp for any home loan or refinancing needs.

• - 5/5

Joseph Chacko and the team were excellent to work with. Joseph and his team helped in every way possible and answered all the queries quickly, and the response time for queries was very quick. I closed the loan on time and was also able to get a good rate. I would recommend them to anyone who needs a lender. Thanks to Joseph Chacko's team - Martha and Deanna.

• - 5/5

As a Realtor, I've had the pleasure of collaborating with Joseph Chacko and his team on several transactions .Their expertise in the realm of real estate financing is truly commendable, and they consistently demonstrate a dedication to providing top-notch service to my buyers. What stands out about Joseph Chacko is his unwavering commitment to client satisfaction. They take the time to thoroughly understand each client's unique financial situation and work tirelessly to find the best loan options tailored to their needs. Whether it's guiding first-time homebuyers through the mortgage process or assisting seasoned investors with complex financing arrangements, Joseph approaches every situation with professionalism and a genuine desire to help clients achieve their real estate goals. When it comes to Home Loans, Joseph Chacko will be the first person that comes to my mind all the time. No wonder he ranks in the top 100 loan originators in the country.

• - 5/5

Exceptional service from start to finish! Our experience with C2 Financial was nothing short of fantastic. Their team was incredibly knowledgeable, attentive, and supportive throughout the entire process. From securing a great rate to seamlessly guiding us through each step, they exceeded our expectations. We couldn't be happier with our new home and highly recommend C2 Financial to anyone in need of a mortgage.

• - 5/5

Worked with Joseph Chacko to buy our first home. His team gave us the lowest rate, and our sellers wanted to close it within 3 weeks and Joseph Chacko was able to accommodate our request and do it even faster. Would definitely recommend his services and also would be my first choice.

• - 5/5

Exceptional Service!! We recently worked with Joseph and team for our home mortgage, and I must say they provided us a phenomenal service! From the initial consultation to the closing Joseph and his team constantly are on top of all the things that needs to done. We highly recommend C2 Financial Corporation, those who are seeking mortgage needs.

• - 5/5

Really happy to work with Joseph. He is very professional and trustworthy and we like to appreciate all the assistance he provided us to secure the loan.

• - 5/5

Joseph has been very helpful in getting all the home mortgage paperwork ready for us. I didn’t have to worry about anything during what is always a hectic and stressful time from putting an offer for a home you love and closing on it. Much thanks! Highly recommend Joseph for your future home buying needs!

• - 5/5

Joseph Chacko was great. His team was very efficient in gathering documents and completing the process in time. We had some delays from the lenders side but Joseph intervened at multiple times to get everything completed. Overall great experience. I will definitely go back to him for our next mortgage.

• - 5/5

Joseph is an extremely sharp and helpful mortgage consultant. He is available round the clock to help guide me through my process of buying a property. He doesn't try to sell his business and works in the best interest of the people. I was referred to Joseph by a friend and now I know why. I will also continue to refer him to my friends and continue using his services for any of my property needs.

• - 5/5

I had the opportunity to work with Joseph at the recommendation of my realtor for my home loan. He was very receptive to my requests. He explained to me everything very clearly and communicated all the pros and cons of different options. Joseph was in touch with me each step and kept me updated with all the process. He has a wealth of knowledge and was on point with all of his recommendations. Very satisfied with working with Joseph and use him again when I need to refinance. Thanks Joseph

• - 5/5

My experience with Joseph Chacko as my loan officer was outstanding. His excellent communication skills, ability to address all concerns, and prompt handling of the process set him apart. Joseph had the best rate and lowest fees for our unique loan situation. I wholeheartedly recommend Joseph to anyone seeking a dedicated and knowledgeable professional in home loans. It was a pleasure working with him, and I am confident that others will find the same satisfaction in his excellent service.

• - 5/5

I highly recommend Joseph Chacko as an exceptional loan broker. Throughout the challenging process of securing our loan, Joseph demonstrated remarkable patience and professionalism. He adeptly navigated the numerous and often unexpected requirements from the lender, ensuring that every detail was meticulously addressed. His dedication and unwavering support made a significant difference during this trying time. Joseph's expertise, coupled with his calm and reassuring demeanor, provided us with the confidence and peace of mind needed to successfully complete the loan process. We are immensely grateful for his outstanding service and highly commend him for a job well done.

• - 5/5

I had an excellent experience with Joseph Chacko and his team. They provided outstanding service when we needed it most. The entire team was courteous, knowledgeable, and their exceptional communication kept us informed every step of the way. Their professionalism and commitment were evident in every interaction. We felt supported and confident throughout the mortgage process, thanks to their expertise and dedication. I will definitely return to Joseph Chacko and his team for any future mortgage needs. Their exceptional service, knowledge, and communication make them a top choice in the industry.

• - 5/5

We had an exceptional experience working with Joseph Chacko throughout our first home purchase process. He was incredibly helpful, knowledgeable, and always available to answer any of our questions and concerns as new homeowners. His guidance and dedication made the entire process smooth and stress-free. We highly recommend Joseph Chacko to anyone looking for outstanding service in their home-buying journey.

• - 5/5

I am so grateful that I chose Lalitha, Champion Home Loans Inc, as my mortgage broker. Navigating the loan process can be daunting, but she made it smooth and stress-free for me. Lalitha thoroughly explained every step of the process and patiently answered all of my questions. She shopped with multiple lenders to find me the best possible rate and terms on my mortgage loan. Additionally, Lalitha helped me identify and qualify for a down payment assistance program, which was incredibly helpful. I cannot say enough good things about working with Lalitha of Champion Home Loans Inc. She is extremely knowledgeable, responsive, and truly cares about her clients. I wholeheartedly recommend her for any and all mortgage lending needs.

• - 5/5

I recently refinanced my home loan and couldn't be happier with the experience! The process was smooth, and the team at walked me through every step. They were transparent about all the costs involved and helped me find the best rate available. I ended up with a lower interest rate, which significantly lowered my monthly payments. The customer service was outstanding — I always felt supported and informed. Highly recommend this service to anyone considering refinancing their home loan!

• - 5/5

I can’t thank Chris and processing team enough for their incredible work on what turned out to be a very challenging file. Despite multiple complications — from income verification issues to documentation delays — they remained calm, professional, and solutions-focused throughout the process. Their persistence, attention to detail, and constant communication made all the difference in getting this loan to closing. It’s rare to find someone so dedicated and knowledgeable, especially under pressure. I highly recommend Chris for anyone needing a true expert who can handle even the most complex loan scenarios.

• - 5/5

I had an excellent experience working with Ensure Home Loans LLC. Rohini, was exceptionally clear and thorough in explaining every aspect of the process, which made everything much easier to understand and significantly reduced the stress involved. She took the time to walk me through the details, patiently answered all my questions, and ensured I felt informed at every step. Her transparency and support gave me great confidence in making the right decisions. I highly recommend Rohini to anyone seeking a smooth, knowledgeable, and supportive mortgage experience.

• - 5/5

I’ve been a loyal customer of Ensure Home Loans for over a decade, and I can confidently say that Yojana is the best loan officer I’ve ever worked with. Her knowledge, professionalism, and dedication make the mortgage process smooth and stress-free. Whenever any of my friends or family need a mortgage, I refer them to one and only company—Ensure Home Loans—and to the expert I trust most.

• - 5/5

5/5 Stars I recently worked with Yojana to secure a loan, and I couldn't be more impressed with the level of support and expertise they provided throughout the entire process. From our initial consultation to the final signing, Yojana and their processer (Shree) was always available to answer my questions, address my concerns, and guide me through each step. Their professionalism, expertise, and commitment to customer satisfaction are truly exceptional. If you're in the market for a loan, I highly recommend Yojana. They will work tirelessly to find the best solution for you, and their support and guidance will make the entire process much less stressful. Thank you, Yojana, for an outstanding experience!

• - 5/5

I had a fantastic experience working with Sowmya as my home loan originator. From start to finish, she was incredibly helpful, attentive, and responsive. What truly stood out was her creativity and dedication in structuring a loan deal that not only met my needs but actually helped me save significantly. She took the time to understand my situation in detail and came up with smart strategies to get me the best possible rate and terms. Her knowledge and professionalism made the entire process smooth and stress-free. I always felt that she was looking out for my best interests, and that gave me great peace of mind. If you're looking for someone who is resourceful, client-focused, and genuinely committed to helping you succeed, I highly recommend working with Sowmya. She exceeded my expectations, and I’m very grateful for her support.

• - 5/5

It was a great experience working with Nizar to secure our first time home buying loan. He took great pains to explain to us the entire process, he was with us during all the steps and made it very easy and stress free for us. Trustworthy, knowledgeable, has a lot of empathy and patience and he is a wonderful human being. He and the team are the best.

• - 5/5

Vijay demonstrated exceptional patience to ensure the customer secured the best possible rate. Rather than rushing to close the deal, he waited over six weeks after the preliminary approval, prioritizing the customer's long-term benefit over a quick closure. Throughout the process, he kept the customer well-informed, clearly explaining the pros and cons of locking in the rate at different points. He also ensured a smooth and seamless closing experience by effectively coordinating with the lender.

• - 5/5

We had an amazing experience working with Nizar on our home loan. He was incredibly knowledgeable, responsive, and made the whole process smooth and stress-free. Nizar took the time to explain everything clearly and helped us get a great rate.He was always available when I had any questions. Highly recommend your services! Thanks a lot

• - 5/5

From Ensure home loan we worked with LO Yojana S and she discussed about how easy we can apply and what the best options suits to our loan it’s was very clear communication from her. The application process was straightforward and definitely recommend to try Ensure for your best possible experience and better interest rates without having any hidden costs. Approval took about two weeks and she spent decent time with us to go over complete paperwork and answered all of our questions as needed!!

• - 5/5

I recently completed a refinance with Ensure Home Loans, and I had a great experience working with Kathy, loan processor. She was incredibly patient, responsive, and helpful throughout the entire process. Her prompt communication and attention to detail made everything smooth and stress-free. Thank you, Kathy, for your outstanding support!

• - 5/5

Ensure Home Loans LLC exceeded my expectations from start to finish. The entire team was professional, responsive, and made what could have been a stressful process feel easy. The rates were competitive and the service felt personalized. I’d absolutely recommend them to anyone looking for a trustworthy home loan provider.

• - 5/5

Huge thanks to Victor and Alvin for their outstanding support during the loan process. Victor was always responsive, professional, and made everything feel seamless. Alvin’s leadership kept things moving smoothly with clear communication. Grateful to have had such a reliable team by my side. Keep up the great work!

• - 5/5

Nelson and Sophia are truly the unsung heroes at Ensure Home Loans. While most of the spotlight often goes to the front-end loan process, it’s their behind-the-scenes coordination that keeps everything running smoothly. They consistently go above and beyond — working tirelessly to connect loan officers, the processing team, and management to ensure seamless communication and timely progress. Their efforts in organizing helpful sessions and internal support not only enhance team efficiency but also reflect their genuine commitment to both client success and team development. It’s easy to overlook the roles that don’t get public attention, but Sophia and Nelson’s impact is deeply felt by those of us who’ve had the pleasure of working with them. Thank you both for your hard work, dedication, and the difference you make every day. Your contributions truly deserve more recognition

• - 5/5

Thank you Ensure team. We had a very pleasurable and professional experience using your services. Anusha was amazing. Her experience and patience to explain all the particulars made it simple and easy to understand Cassie was great in her follow up to get everything finished on time. We highly recommend your group to assist future home buyers. They will also be in very confident hands. Highest regards, Fernando and Dolores Martinez.

• - 5/5

I am an employee at Ensure, and it has truly been a wonderful experience working here. Anil Sir and Yojana Ma’am are incredibly enthusiastic and passionate about their work, which creates a motivating environment for all of us. The entire team is very supportive and always ready to help—making it a great place to grow both personally and professionally.

• - 5/5

I had an excellent experience with Ensure Home Loans. The team was incredibly responsive, knowledgeable, and genuinely cared about helping me find the best loan options for my needs. They guided me through every step of the process with clear and consistent communication, which made the entire experience smooth and stress-free. I truly appreciate their dedication and support, and I highly recommend Ensure Home Loans to anyone looking for a trustworthy and efficient mortgage partner.

• - 5/5

I am incredibly grateful to Stella at Ensure Home Loans for her exceptional service and expertise. From the very first interaction, she displayed remarkable patience and professionalism, ensuring I fully understood every aspect of my loan details, loan payments, and information, and account updates. Her deep knowledge of accounting and extensive experience with Ensure Home Loans make her an invaluable asset to customers navigating home financing. Stella goes above and beyond in handling all customer inquiries related to my loan payments, demonstrating her unmatched expertise and dedication. She provides clear, comprehensive explanations, making even complex financial matters easy to understand. Her attention to detail, willingness to assist, and customer-centric approach create a seamless and stress-free experience. Thanks to Stella’s guidance, I felt confident and well-informed throughout the process. Her commitment to excellence sets a high standard for customer service. I truly appreciate her support and highly recommend her to anyone seeking expert assistance with their home loan needs!

• - 5/5

Absolutely Outstanding Service! Working with Ensure Home Loans LLC was an incredibly smooth and stress-free experience. From the first call to closing, the team was professional, transparent, and truly dedicated to helping me get the best possible loan option. They answered every question with patience and clarity, kept me informed at every step, and made the entire home loan process feel easy. I highly recommend Ensure Home Loans LLC to anyone looking for reliable and efficient mortgage services. You won’t be disappointed

• - 5/5

It has been an absolute pleasure working with Ensure Home Loans. They are consistently responsive, organized, and proactive in communication, ensuring that every step of the process moves forward smoothly and efficiently. Their ability to coordinate between all parties and stay on top of details makes a huge difference in getting things done on time. Nelson is always available when needed and goes above and beyond to support the team and clients. A true asset to the company—reliable, resourceful, and a joy to work with. Highly recommend and appreciate the dedication and professionalism they bring to every transaction.

• - 5/5

Nicholas, No words to describe your professionalism!! Thank you so much for the 1000 calls, emails and text messages during the last 2 years!! We achieved our goal to own a HOUSE! ?? Thank you for this Beutiful present!!

• - 5/5

After the first bank left us high and dry, NBI closed the loan within a week! They beat the rate and fees of the traditional bank and were an absolute pleasure to work with. Can’t recommend NBI enough!

• - 5/5

NBI worked with us to mortgage a second home, we had a tight timeline and they were great at pulling it all together in a high pressure situation. Highly recommend this firm.

• - 5/5

I cannot say enough good things about the entire team at NBI Financial! They are extremely knowledgeable and communicable throughout the entire process. It was a pleasure to work with them and I highly recommend their services.

• - 5/5

Couldn’t recommend NBI enough. Joe started working with us in February 2024 and stuck it through until our house was completed and we closed in December 2024. Joe has a strong commitment to customer service and making sure home buyers are in the best position possible to close on their homes. Communication, transparency, honesty and trust is everything that we got during our home buying process. This should be your first phone call if you are looking to buy a house!

• - 5/5

Highlights transparent guidance, which builds trust

• - 5/5

As a first-time homebuyer, I was nervous about the process. Jatayu Loans explained everything clearly, shared helpful tips, and made sure there were no surprises. Only wish they had more weekend slots, but otherwise it was excellent!

• - 5/5

Jatayu Loans got me a very competitive rate. There was a slight delay with the appraisal, but they kept me updated and handled it well. Overall, I’m happy with the service.