SELFi, Inc. Montgomery St, San Francisco

I have financed dozens of properties over the years. My experience with SELFi was one of the best, if not the best, real estate finance experiences of my life. Joseph Flannery is not only a great real estate loan adviser, but he is also a class act individual. Your search is over, call Joseph now.

I don't typically do reviews, but felt compelled here. Wow! Joseph is amazing. I spent weeks searching for rates and had a friend "in the business" help me get a rate. Not only did Selfi blow them out of the water with its rates, but Joseph was an absolute pleasure to work with. Very responsive, extremely helpful advice throughout the process, and, for those who prefer to work by email instead of phone, he did all the work without a single phone call! I wish I could give 10 stars! I've already referred him to some friends and family. Thanks again for all your help!

I learned of Joseph because of my son-in-law, who had recently refinanced their home through Selfi. Both my son-in-law and I are in the mortgage industry, and Joe’s rates beat even our own ‘Employee Loans’ rates. But the rate is only a part of the transaction. The communication, follow through, ease of the process, and on-time closing all made working with Joe enjoyable and stress free. I would definitely endorse him and Selfi. Jim R.

We highly recommend Joseph from SELFi, Inc. as a mortgage broker. Not only is he very affordable, but offered a quick and high quality experience. We were very happy to work with him on the refinancing of our home.

If you are ready to refinance, stop looking and go with SELFI, you will not find a lower rate or better service anywhere else. Believe me, I shopped around with well over 10 lenders that swore that they would get me the best rates and JG Wentworth even guarantees it, but they couldn't even come close. The best advantage of using SELFI, is that you can search the rates your self and see what they look like daily, and when you're ready all you have to do is tell Joseph you want to lock in that rate. No other lender publishes their rates daily and I just closed a loan at 3.5% and only had to pay $100 to close. No other lender could come close to that! Thanks SELFI!

Joseph has been amazing through the whole process! I contacted him the first time on a Saturday afternoon. He replied right away and my loan was through underwriting by Monday! He was super responsive with everything and his rates cannot be beaten! Highly recommended!

I always say that buying a house is one of the most stressful things you can do in your life, not only because it is a huge life choice and change, but also because nobody in the process cares about the deal as much as you do. For the agents, brokers, banks, and title companies, they do this every single day and it's easy for a buyer to feel like another sheet of paper in the stack. I had this exact experience with SoFI and Better Mortgage who both “pre-approved” me, assured me I should go and place offers on properties, and then when my offer was accepted were both completely unreachable. After days of phone calls, I was later assured separately and by both lenders that I would never qualify for a mortgage due to my self-employment. After almost giving up on the whole process, I found SELFi on Yelp and reached out to Joseph. He had an underwritten pre-approval for me within a couple days and got the deal done when nobody else could. In addition, he was super responsive, easy to get in touch with, and easy to work with. I cannot more clearly state my confidence in SELFi and enthusiasm to recommend them to anyone.

SELFi has a smooth and easy process to refinance. They explain all the steps, help you find the best deal for your situation, and guide you each step of the way. I have recommended them to all of my friends!

Two weeks ago I closed escrow and it was Joseph’s hard work that made it possible. Got me good rates give me credit on closing cost so I only had to come up with a 5% down payment. I do regret one thing, not working with him on my purchase my other properties. Highly recommended he knows his stuff and he’s very organized. Definitely will be working together soon.

I enjoyed working with Joseph on the purchase of my property. It was A difficult transaction made much easier by his persistence, excellent communication, and an amazing interest-rate. I have already recommended him to other friends and family and can’t wait to use him again in the future.