Find Trusted Mortgage Lenders & Brokers in Milpitas CA

Naresh was a professional and a knowledgeable loan officer. He respected our time throughout the process, which we appreciated

Excellent Service in these area, Communication, Thorough documentation, upfront honest and sets expectation and minimize the closing cost, Always goto person, Thank you !!!

They went above and beyond for us

Naresh and his team at loan factory helped us very diligently and patiently to get the refinance of the loan done recently in the month of September and it was really hassle free working with them. Naresh was very prompt and got all the things done on time for refinance , will definitely recommend working with them for any refinance or housing loans.

Naresh assisted me with refinancing my mortgage and made the entire process smooth and stress-free. He patiently explained each step, addressed all my questions in detail, and maintained clear and timely communication throughout. Overall, it was a seamless and hassle-free experience.

Very quick and up to date responses. Loan closed in very less time.

I recently completed my home refinance with Naresh Ravuri, and the experience was exceptional. Naresh was professional, transparent, and incredibly thorough, he clearly explained every charge and stood by everything he promised. In today’s tough mortgage market, finding someone this honest and dependable is rare. His communication and guidance made the entire process smooth and stress-free. I highly recommend Naresh to anyone looking for a trustworthy mortgage professional.

I recently completed my loan process with Naresh Ravuri, and I’m extremely satisfied with the overall experience. From start to finish, Naresh was professional, knowledgeable, and very supportive. He explained each step clearly, answered all my questions patiently, and made sure I understood every part of the process. What I appreciated the most was his responsiveness and attention to detail. Whether it was documentation, follow-ups, or guidance, Naresh was always on top of everything, which made the entire loan process smooth and stress-free. His transparency and commitment to helping clients truly set him apart. I highly recommend Naresh Ravuri to anyone looking for a reliable and trustworthy loan officer. Thank you, Naresh, for making this journey easy and successful!

Vikram was amazing to work with! He was super honest with his opinions, never pushy, and always just a quick call or text away whenever we had questions. He really listened to what we wanted and helped us find the perfect home at a great price. What impressed us most was how patient and supportive he was through the whole process. He even went the extra mile and helped us find a tenant right away when we needed one. We’re so grateful for all his help and would 100% recommend him to anyone looking for a trustworthy realtor!

Joseph is a great mortgage consultant with years of experience. He takes very good care of his clients, and works hard for them. I would refer anyone I know to use Joe to get a mortgage!

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!

Joseph helped me to find the right lender and got a great interest rate. Refinancing process was made easy and he was able to help and answer all my questions. good work by Joseph and team.

It’s hard to trust someone whom you’ve never met in person. Joseph Chacko is highly recommended by my friends here in Arizona. He is very knowledgeable and he can provide you with the best options out on the market.

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.

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.

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.

My experience was hassle free, its great working with you

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.

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.

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.

Great experience. Fast and reliable. Definitely recommend for anyone.

My go to company for anything related to mortgage, primary home purchase, refinance, or investment homes!!

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.

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.

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.

Joseph and his team are very responsive and got me very competitive rate and also followed up with detailed steps until the loan process is completed ... Thank you Joseph and team !!

It was great working with C2 and Joseph…provided all possible loan options in the market and was always responsive to the queries…????

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.

Had great experience with loan officer throughout the mortgage process. very competitive in rates. Highly recommend their services to anyone in need of mortgage assistance

Absolutely recommend.

Best lender i have worked with. Very approachable, always available for you and gave the best possible interest rates. More over, covers almost all of US. Highly recommended!

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.

Joseph made the process really simple from start to finish. It was really great working with him!

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.

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.

Great service!

Outstanding job. High end professionalism and customer care

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

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.

Great experience, promptly closed on time and gave good rates

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!

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.

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.

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.

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!

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.

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.

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

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.

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.

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.

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.

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.

Highlights transparent guidance, which builds trust

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!

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.

This team truly cares about their clients. They were always available to clarify my doubts, even after hours. I felt supported and confident throughout the process. Thank you, Jatayu Loans!

I refinanced my mortgage with Jatayu Loans LLC and the process was so smooth. They handled everything on time, answered all my questions, and made sure I got the best deal possible. Great experience!

Working with Jatayu Loans LLC was the best decision I made for my home loan. The team explained every step, guided me through the paperwork, and got me a great rate. Highly recommend their professional and friendly service!

The team was extremely professional, explaining programs like FHA, VA, and jumbo clearly. Communication was top-notch. The only small hiccup was a slight delay on a form, but they fixed it quickly. Overall fantastic!

VVR Loans secured me an excellent rate, and the online portal made uploads effortless. Only suggestion: expand weekend availability for consultations. Still, I highly recommend them

Worked directly with Pavan (and his amazing team) who provided clear communication, rate comparisons, and kept everything on track. A truly professional and reassuring experience

I locked in a low rate quickly, the document system was secure and easy, and they delivered on their promise of fast closings. Really efficient and reliable

VVR Loans really puts clients first. They took time to walk us through all our mortgage options, explained every detail clearly, and walked us through the process from application to closing. Felt like family, not just another customer

Their advice was spot-on and the process was clearly explained. Everything ran smoothly. The only thing I’d love is a few more weekend hours for consultations—but still a very strong experience

I locked in a fantastic rate and the staff was helpful throughout. There was a small delay in coordinating signatures, but they resolved it quickly and kept me updated the whole way

They provided a free quote within 24 hours, offered customized comparisons, and let me upload documents securely online. I closed my loan quicker than expected with excellent customer care.

From our first consultation to closing, the team was incredibly responsive and professional. They guided me through every step, handled the paperwork digitally, and made refinancing my home completely painless

Lowest Rates Home Loans delivered exactly what their name promises—an unbeatable mortgage rate in Cary. The entire process was fast, transparent, and easy. They explained all of my options clearly and got me a loan in no time. Highly recommended

Suman explained all the mortgage terms patiently and attended to every detail. A slight administrative delay occurred, but he resolved it promptly. Still a very strong rating

Suman provided excellent guidance and helped us secure a competitive mortgage. Only suggestion: offering more weekend appointment availability would make it a full 5-star experience

As first-time homebuyers, we were anxious about the process, but Suman’s expertise put us at ease. He explained options clearly and secured us a great rate. Highly recommend

Whenever we had questions, Suman was right there with answers. His professionalism, punctual follow-ups, and proactive updates kept us informed and confident

Suman guided us through every step—from pre-approval to final closing—with clear communication and expert advice. His attention to detail made the entire process feel effortless

Jason and Laura were nothing short of good. From the first call …to the closing was absolutely flawless…He ran the numbers … never pushy … if we ever need to use them again we 100% will

Working with Sree was an outstanding experience…responsive…I felt supported at every step.…His professionalism, integrity, and personal approach made a big difference

I recently worked with Sree on refinancing my home…proactive, transparent, and incredibly knowledgeable. He kept me updated every step of the way …secured a great rate and improved my financial outlook. I highly recommend Sree…a true professional

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.

Absolutely recommend.

Great service!

My go to company for anything related to mortgage, primary home purchase, refinance, or investment homes!!

My experience was hassle free, its great working with you

Great experience, promptly closed on time and gave good rates

Outstanding job. High end professionalism and customer care

Great experience. Fast and reliable. Definitely recommend for anyone.

It was great working with C2 and Joseph…provided all possible loan options in the market and was always responsive to the queries…????

Joseph made the process really simple from start to finish. It was really great working with him!

Joseph helped me to find the right lender and got a great interest rate. Refinancing process was made easy and he was able to help and answer all my questions. good work by Joseph and team.

Best lender i have worked with. Very approachable, always available for you and gave the best possible interest rates. More over, covers almost all of US. Highly recommended!

Joseph and his team are very responsive and got me very competitive rate and also followed up with detailed steps until the loan process is completed ... Thank you Joseph and team !!

It’s hard to trust someone whom you’ve never met in person. Joseph Chacko is highly recommended by my friends here in Arizona. He is very knowledgeable and he can provide you with the best options out on the market.

Joseph is a great mortgage consultant with years of experience. He takes very good care of his clients, and works hard for them. I would refer anyone I know to use Joe to get a mortgage!

Had great experience with loan officer throughout the mortgage process. very competitive in rates. Highly recommend their services to anyone in need of mortgage assistance

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!

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.

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.

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

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.

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.

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.

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.

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.

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!

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

Working with Sree as my loan officer was an exceptional experience—his professionalism, clear communication, and deep understanding of the lending process made everything feel seamless and manageable. He was always quick to respond to questions, took the time to explain every detail, and made sure I felt informed and confident at every step. Sree truly went above and beyond to find the best loan option for my situation, and his dedication and support made a stressful process feel much more manageable. I highly recommend him to anyone in need of a knowledgeable and trustworthy loan officer.

I recently worked with Sree on refinancing my home, and I couldn’t be more pleased with the experience. From the very beginning, Sree was proactive, transparent, and incredibly knowledgeable about the refinancing process. He took the time to understand my financial goals and walked me through the available options with clarity and patience. Sree kept me updated every step of the way and made sure everything moved smoothly and efficiently. Thanks to his expertise and dedication, I was able to secure a great rate and improve my overall financial outlook. I highly recommend Sree to anyone considering a refinance—he’s a true professional you can trust.

Working with Sree was an outstanding experience from beginning to end. He is highly knowledgeable, responsive, and truly committed to guiding his clients through the mortgage process with clarity and confidence. Sree took the time to explain every detail, was always available to answer questions, and made sure we felt supported at every step. His professionalism, integrity, and personal approach made a big difference. Thanks to Sree, the entire process was smooth and stress-free. I highly recommend him to anyone in need of a trustworthy and dedicated mortgage loan officer!

Vikram is an excellent realtor and I would definitely recommend him for anybody who needs his services . He does an amazing job as a realtor and provides right feedbacks when needed . We really loved working with him and definitely wiyld like to work with him in future also . He is humble and down to earth person who keeps our interest first . He has very good contacts in the industry and also good reputation with them which helped us lock in excellent rate . He is willing to go the extra mile even if it not part of his job . He has in depth knowledge and definitely would recommend him

We had the pleasure of working with Vikram for both selling our home and purchasing a new one, and the experience exceeded our expectations in every way. From the start, Vikram demonstrated outstanding professionalism and an in-depth understanding of the market. In a challenging market, he successfully helped us price our home strategically, ensuring we received a competitive offer at just the right time. This allowed us to navigate the purchase of our new home, even in a contingency situation. Throughout both transactions, Vikram was there every step of the way, providing expert guidance and ensuring we felt informed and confident in our decisions. His communication was flawless, and his negotiation skills truly set him apart. We wholeheartedly recommend Vikram to anyone looking to buy or sell – his expertise, commitment, and client-first approach made all the difference!!

Working with Vikram was an absolute pleasure! He was knowledgeable, professional, and always available to answer our questions. He guided us through every step of the home-buying process, making it smooth and stress-free.His expertise and dedication helped us find the perfect home, and we couldn't be happier.

Vikram did an outstanding job in getting my first single family home at San Jose. He is very responsive, has deep knowledge and understanding about real estate and never pushes you to over bid. Instead he listens and respects buyers point of view. His negotiation skills are just amazing. Be it any problem, if you are working with Vikram, you will have that peace of mind. I highly recommend Vikram for any type of real estate transaction

Vikram did a great job in finding our investment property recently. He is super knowledgeable of the areas in San Diego, and was always there to answer all our questions.

Vikram did a great job in finding our investment property recently. He is super knowledgeable of the areas in San Diego, and was always there to answer all our questions.

I am very grateful to Vikram for helping me purchase my first home! As a first-time homebuyer, I had so many questions and concerns, but Vikram was there every step of the way to guide and support me. From finding the perfect property to navigating offers and closing, he made everything seamless and worked tirelessly to ensure I found a home that checked all the boxes. His expertise, market knowledge, and attention to detail gave me complete confidence throughout the process. What truly stood out was his patience and commitment. He made sure I understood every step, answered my countless questions, and always had my best interests at heart. Thank you so much for your help! I was able to find and purchase my dream home, and I couldn’t be happier! I highly recommend Vikram to anyone looking for a dedicated and professional realtor. His exceptional service and genuine care made all the difference, and I am so thankful for everything he did to make my home-buying journey such a success

Vikram was a great agent and systematically guided us towards buying a home. He was amazing and I would strongly recommend agent Vikram for buying a home.

Vikram has lot of knowledge and information with real estate. His expertise helped me throughout the course of finding house of my choice. I would love working together for future projects. I would recommend considering him as your realtor too.

Vikram did an outstanding job in helping us buy our first home. He is extremely patient and well informed. His knowledge about the real-estate market is immense. He is very competent with negotiations. He is extremely cooperative. I would recommend Vikram to anyone who wants to buy a house as he will make sure you get your dream home. Thank you Vikram for guiding us through this daunting process of purchasing our first home

Vikram is really nice person to work with. We had pretty good experience. His had good insight into the local market and provides valuable suggestions on the initial quote amount. He also helps a lot by providing various contractors information to do minor repairs. He provides valuable suggestions on the house before making an offer. He helped us to stop going for bidding for one house by giving proper explanation. That helped us to buy much more valuable house later.

Vikram was prompt, knowledgeable and helpful! We bought our home with Vikram's help. Before finally choosing, Vikram would take us on tours, offer us suggestions on whether to go for the house or wait, suggest repairs required, whether house is really worth it or not. He also gives proper direction on bidding - whether to really go for it or not etc. It was really good working with Vikram.

Vikram did a super job assisting us with the purchase of our home. He was fully involved in the process right from the beginning till closure and his expertise in the neighborhood area, market conditions, and the negotiation skills helped secure the deal. He provided great advice on various aspects of the home buying process. Vikram is someone who would help figure things out whenever we go to him with some hurdles or ask for his opinion.

Vikram did an outstanding job in closing my house. Once I committed to the house he ensured to take all the steps to get me the house. His technical knowledge about navigating immense competition was vital to get me the house. Being my first house, I was not aware of the process. Inspite of being my first home I never felt left alone in the process. Vikram ensured to have no gaps from viewing the house to closing the house. I would highly recommend Vikram for your home search needs. Thank you Vikram.

Vikram did an outstanding job helping us buying our first home. He is very responsive and professional to his clients. Will definitely recommend Vikram to our friends who are looking to buy or sell home.

The most striking thing that we observed about Vikram was that he is a gentleman. Very soft spoken & non aggressive. Vikram, saved us from investing in a money pit(home) by warning us about the pitfalls associated with it. We were in a very tough & hopeless situation and he was very gracious about the financial aspect of it and helped us find our home. Also, he helped sell our home. Strongly recommend Vikram, for his patience, general decency, kindness and honesty. Vikram always has a cool head and was very upfront about whether something will work or not. We felt Vikram also has the luck factor too, he definitely proved lucky for us. Thank you so much Vikram, we really appreciate your patience with us

We used Vikram from beginning to end: Property mgmt, renovation asst, and selling. it was beyond convenient and simple being bicoastal. Communication and accessibility to him was stellar. I would recommend him to anyone from a first time buyer or renter to someone who has a realtor but needs expertise across all areas. His work ethic is superb and unmatchable. We sought several realtors and Property managers before we were recommended to him. We will forever be grateful for him

Vikram is best and never pressure people to buy and guides right way to fullfill the client needs. I didn't know how to begin the search for a realtor in the area I was interested in purchasing my next home. Vikram was recommended to me. He was responsive and efficient in getting back to me very quickly, and absolutely terrific. I would highly recommend Vikram. Thanks

Despite a highly competitive market in San Diego, Vikram goes above and beyond to get the deal,His expertise in negotiation and guidance in the offer process helped us securing our dream house.He is friendly, polite with positive attitude and would let us know about the pros/cons of each property without being pushy.He also helped and guided us with property management expertise to rent our condo. Vikram is your to go person for real estate and property managment

There aren't enough words or sentiments to describe the assistance of Vikram during this process. Initially, Vikram was our property manager. Seamless process from start to putting it on the market. He had jmthe ability to reach contractors to assist in getting the house turn-key ready. Furthermore, when it was time to receive applications he made the process so simple. Finally placing the house the market, Vikram was transparent and kept is up to date with the market trends and the buyers. He is flexible. He is as hands on as you need him and hands off when you want him to be. He listens and he gets the job done. His experience and knowledge is matched by none. I would use him whenever I needed if he was licensed everywhere. Thank you Vikram from our family to yours.

Vikram is a very knowledgeable realtor who truly works for the client's benefit. In my case he pursued aggressively with the seller's agent and got the process rolling very quickly. Throughout the process he regularly shared updates and was very patient in answering any questions I had. Towards the closing time he worked out all the details meticulously to get us the seller credit that is required to perform the required repairs and fixes. Thanks to Vikram, I was able to finish my home purchase process within 2-3 months of starting.

Vikram did fantastic job showing us several properties. He helped me in every single step for home buying, all the way from open house visit to escrow closing. He is amazing person to work with as he understands client requirements and advise accordingly. If you are first time buyer, I would certainly recommend for Vikram.

Vikram helped us buy a single family home. He is very knowledgeable about the local area and guided us on a fair price for the property, while informing us about local price trends. He is responsive and can help first time buyers make an informed decision around any issues with the property itself. I recommend working with Vikram on any real estate purchase or selling.

I was specifically looking for a house in Scripps Ranch Area. Vikram is very knowledgeable about the ongoing market situation. He would guide about pros and cons of the house very thoroughly. He will be genuine about the house. Overall I'm very pleased about his services and highly recommend him

Vikram deserves 5 stars for all the efforts he puts in. Despite a highly competitive market in San Diego, he tries his best to win deals. With a friendly & positive attitude, he made me aware of the pros/cons of each property without being pushy. I had some constraints w.r.t the type of property & he was understanding & willing to work within those constraints. I have found his energy levels & enthusiasm to work in real estate sector to be very high. I highly recommend him for the above reasons if you are looking for a realtor.

Vikram did a great job in helping me buy the condo. As a first time home buyer, I had no idea about the home purchase process, Vikram provided exceptional assistance throughout the process of buying. Vikram's knowledge of the real estate market, attention to details and prompt-quick communication were invaluable. He patiently addressed all the concerns and questions, ensuring I had clear understanding of the steps involved in the process, which helped me make decisions. Vikram's expertise in negotiation and guidance in the offer process helped in securing a fair deal. I felt confident having Vikram on my side and his commitment to my best interest was evident. Overall it was great working with Vikram in the process of buying my first home

Bought a Single Family home in 2022 in Fairmount park, San diego, CA.

Vikram did a great job in helping me secure to buy a home. It was very time critical for me to move to the new home and Vikram worked very close and very hard and ensured, the deal is closed on time and the keys were handed over on time. Overall, its a good experience and would recommend him for anyone looking to buy or sell.

We used Vikram Boregowda to buy our home in 92129 last summer and he was outstanding.. We accepted and vikram (who was also incredibly friendly and helpful) walked us through every step of the closing process. It couldn't have been a more pleasant experience. In short, he was always on our side working to make our house purchase as simple and successful as possible. The best part about working with vikram was that he was always more focused on answering our questions, giving us good advice, and finding homes that met our needs than he was on closing a deal. We would recommend him to anyone. I've recommended the vikram to everyone I know. He's a true professional and a genuinely nice guy.

Vikram's part in our transaction was a dual agent. I felt he was fair and unbiased in his dealings with us(the seller). He was very responsive and kept us informed the whole way through. I would definitely recommend Vikram B.

Vikram is an amazing realtor, extremely diligent, He closely monitors every step but also respects your space and opinions.. he will walk you through every step and gives helpful advice, without getting pushy. And he has a lot of patience and calmly listens to his clients requirements. He started off with the whole buying process and also helped finding us someone to renovate as well. I would definitely recommend him for a hassle free buying process

I knew Vikram for 15+ years, long before I picked him as my real estate agent. To be honest, I had second thoughts like Is it correct, to pick your friend as your agent? Will I be able to say things openly and get things done in a way I want to get them done? .. But oh boy, I am so glad I kept those doubts aside and picked him as my agent. In the past 3 months, there was not a single moment where he brought our frienship into the professional Agent-Client relationship. He guided us every step of the way in this Crazy-monster like real-estate market and was able to sell my current home in time to buy/upgrade to a bigger home. He always says his goal is to Protect his client's interests is his 1st priority.. And I vouch that he met that goal 100% and if you are a 1st time home-buyer, believe me, there are endless steps to get through. He was Professional, Punctual, always-reachable, xcellent local knowledge, good-negotiator and above all he was patient with our 1000's of questions. So if you are in the market or planning to get into a market and in a state of mind asking, Who is the agent, who can help me buy my dream house or sell my current house?, I would recommend you give Vikram a chance and you will be a happy customer at the end of process.

During the house hunting process, Vikram patiently showed lot of houses, based on our requirement. He was always reachable for our queries and answered them even when they were repeated and simple questions. He never influenced us during the decision making process. Once the home was shortlisted, he negotiated well and helped us in settling for a decent price. He also offered wonderful guidance/insight during the mortgage and other process that were related to buying process. Overall we are extremely pleased with his service.

I have been working with Vikram for my home buying Needs, He has been excellent in providing required information and has right negotiation skills to get the deals closed. I am very with his ability and performance. Thank you Vikram

Vikram helped me selling and buying the houses. Overall he is passionate and got great negotiation skills. He charges very reasonable agent commission fee and i personally able to save thousands of dollars simply opting him as agent. He was able to close my house in 21 days with very thorough followup with Escrow and lender. He also very ethical and makes factual statements and don't play any tricks to sell/buy homes. He also assists finding good lender and chose right escrow company. I recommend Vikram if you are looking to sell or buy the house.

Vikram is very knowledgeable in general with real estate process and proceedings. Was there to help with each step. He was able to answer all our queries. Guided us in each and every step. I would definitely recommend him.

Vikram is a honest and non pushy realtor. He patiently listens to your requirements and leads you in the right direction. He filters out the fluff and points you the right set of houses that you can select and make it your home. Vikram is also very good in negotiating and helps you to out-stand the competition

Vikram was very punctual and and was always on time. He found houses that worked according to our needs. He was very friendly and professional. He was always on task and on top of everything. Would totally recommend him to anyone.

Vikram helped us with buying our house . He is very knowledgeable and approachable. He has vast experience in real estate. I might have called him tons of times but he always picked the call and answered all my questions or concerns. I highly recommend him

Vikram is a great agent to work with. With his extensive knowledge about the housing market trends, he helped us in the whole process starting from searching for a home, gave suggestions about getting loan, escrow process and closing the house. I strongly give Vikram reference to my friends in finding their dream home

Professionalism and valuable advices are no match to any. It resulted in a successful purchase of a house . Always made himself available no matter what time of the day or week it is. It was pleasure working with him. Will not hesitate again to reach out to him again future

I was a first time homebuyer and I came across Vikram on accident but boy was I pleasantly surprised. Vikram was so incredibly responsive I never felt like I had questions. He was prompt, knowledgeable, and he even gave me answers on stuff before I had questions. I never felt pressured or like I was stuck in a time restraint. He was very easy to get along with, felt more like a friend was helping me through the process. All in all I would very highly recommend him to my friends, family, or complete strangers.

Vikram is so great to work with - knowledgeable, helpful and walks you through the process and he sold our house in a week ! He's a great realtor. I can't thank Vikram enough for his help with selling our home.

Vikram was a pleasure to work with as a real estate agent. Vikram never left any questions unanswered and always responded promptly. I would highly recommend him, as you will save thousands as well as receive the best service any agent can provide. I myself have lots of experience in buying/selling properties. However having worked with Vikram, i felt that his experience, professionalism, ethics and knowledge is a huge plus. I now consider Vikram a friend and would highly recommend him to anyone that is searching for a new home.

Working with Vikram was a wonderful experience. His dedication and professionalism made buying a home an enjoyable and stress-free process.

Vikram’s expertise was crucial in securing my home. He guided me every step of the way and ensured I felt confident with each decision.

Vikram was extremely helpful in helping me find my first home. His attention to detail and timely responses made the entire experience seamless.

Vikram is a fantastic realtor who made sure I understood each step of the home-buying process. His professionalism and guidance were top-notch.

Vikram helped me find my dream home and made the process smooth and stress-free. He was attentive, responsive, and always put my needs first.

Vikram is a true professional. He made buying my home easy, answering all questions promptly and ensuring I felt comfortable throughout the process.

I had an excellent experience with Vikram. He was attentive to my needs and guided me smoothly through the entire buying process.

Vikram’s expertise and patience made my home-buying experience easy and enjoyable. He took care of everything and made me feel confident throughout.

Vikram's professionalism and market knowledge were invaluable during my home purchase. He made sure I felt comfortable with every decision. Highly recommend!

Vikram was a pleasure to work with. He helped me find the perfect property, always keeping me informed and answering all my questions.

Vikram was great to work with. He was always available to answer questions and made the whole home-buying process easy and enjoyable.

I had an incredible experience with Vikram. His attention to detail and dedication ensured I found the perfect home. Highly recommend him!

Thanks to Vikram, I found a beautiful home that met all my expectations. His knowledge and commitment made the process stress-free.

Vikram was amazing. He really listened to my needs and helped me find the ideal property. His commitment to his clients is exceptional.

Vikram made buying my home an easy and smooth experience. His expert advice and dedication to his clients set him apart.

Working with Vikram was a pleasure. He always had my best interests in mind and helped me secure a great deal on my home

Vikram's professionalism and attention to detail were outstanding. He guided me through every step of the home-buying process. Very impressed!

Vikram was patient, understanding, and responsive throughout my home-buying journey. I felt confident in his expertise. I highly recommend him

I had a wonderful experience with Vikram. He was attentive to my needs and helped me find the perfect property. Highly recommend!

Vikram was extremely knowledgeable and professional throughout the entire process. His guidance made buying my first home easy and enjoyable

Sanjeev is one of the best loan officers out there. Went to him closer to the close day, however he worked day and night to keep the same close date. Thank you Sanjeev :)

anjeev is a professional and hard working loan officer and realtor, he closed my house in just 8 days, I really recommend to buy a property with him!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Joseph and his team are very responsive and got me very competitive rate and also followed up with detailed steps until the loan process is completed ... Thank you Joseph and team !!

It was great working with C2 and Joseph…provided all possible loan options in the market and was always responsive to the queries…????

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.

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

Had great experience with loan officer throughout the mortgage process. very competitive in rates. Highly recommend their services to anyone in need of mortgage assistance

Best lender i have worked with. Very approachable, always available for you and gave the best possible interest rates. More over, covers almost all of US. Highly recommended!

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.

Joseph made the process really simple from start to finish. It was really great working with him!

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.

It was nice to work with Indra and her team, which was an absolute pleasure throughout the Mortgage process. She patiently explained each step, making the complex easy to understand. She was always available to answer any questions we had throughout the process. I highly recommend Indra and her team if anyone seeking for home loan.

Indra and her team were great with communication. They kept me informed throughout every step of the process. They made it a very stress-free and truly enjoyable experience. They were also great about not only answering my questions promptly, but also explaining things at a level that I could understand as a first-time homebuyer. I look forward to recommending Indra and team to friends and family.

Vikram was a pleasure to work with as a real estate agent. Vikram never left any questions unanswered and always responded promptly. I would highly recommend him, as you will save thousands as well as receive the best service any agent can provide. I myself have lots of experience in buying/selling properties. However having worked with Vikram, i felt that his experience, professionalism, ethics and knowledge is a huge plus. I now consider Vikram a friend and would highly recommend him to anyone that is searching for a new home

Vikram is so great to work with - knowledgeable, helpful and walks you through the process and he sold our house in a week ! He's a great realtor. I can't thank Vikram enough for his help with selling our home

I was a first time homebuyer and I came across Vikram on accident but boy was I pleasantly surprised. Vikram was so incredibly responsive I never felt like I had questions. He was prompt, knowledgeable, and he even gave me answers on stuff before I had questions. I never felt pressured or like I was stuck in a time restraint. He was very easy to get along with, felt more like a friend was helping me through the process. All in all I would very highly recommend him to my friends, family, or complete strangers

We recently brought our house through Vikram Boregowda. Very happy with the service as he was efficient, professional and excellent at communicating with us on every aspect of the process. We can highly recommend him. He is always helpful if we had any questions and got back to us with answers quickly. For any real estate needs contact him

Professionalism and valuable advices are no match to any. It resulted in a successful purchase of a house . Always made himself available no matter what time of the day or week it is. It was pleasure working with him. Will not hesitate again to reach out to him again future.

Vikram is a great agent to work with. With his extensive knowledge about the housing market trends, he helped us in the whole process starting from searching for a home, gave suggestions about getting loan, escrow process and closing the house. I strongly give Vikram reference to my friends in finding their dream home

Vikram is a honest and non pushy realtor. He patiently listens to your requirements and leads you in the right direction. He filters out the fluff and points you the right set of houses that you can select and make it your home. Vikram is also very good in negotiating and helps you to out-stand the competition

Vikram was very punctual and and was always on time. He found houses that worked according to our needs. He was very friendly and professional. He was always on task and on top of everything. Would totally recommend him to anyone

My friend introduced me to Vikram and at that time I was not really sure about buying a house. After I met Vikram and he guided me with process and helped me started looking for places I ended up buying a house in a month. Vikram helps you as a friend and available to answer your questions anytime even after we closed the house. I still call him to ask recommendation for lot of things before buying it and he always has best answers. He is very friendly and extremely knowledgable. I would recommend him to anyone who wants to buy or sell a house

Vikram helped us with buying our house . He is very knowledgeable and approachable. He has vast experience in real estate. I might have called him tons of times but he always picked the call and answered all my questions or concerns. I highly recommend him

We bought our house through Vikram Boregowda recently. His services are efficient, professional and excellent at communicating with us on every aspect of the process. We highly recommend him. He is always helpful if we had any questions and got back to us with answers quickly. For any real estate needs contact him

During the house hunting process, Vikram patiently showed lot of houses, based on our requirement. He was always reachable for our queries and answered them even when they were repeated and simple questions. He never influenced us during the decision making process. Once the home was shortlisted, he negotiated well and helped us in settling for a decent price. He also offered wonderful guidance/insight during the mortgage and other process that were related to buying process. Overall we are extremely pleased with his service

I have been working with Vikram for my home buying Needs, He has been excellent in providing required information and has right negotiation skills to get the deals closed. I am very with his ability and performance. Thank you Vikram

Vikram helped me selling and buying the houses. Overall he is passionate and got great negotiation skills. He charges very reasonable agent commission fee and i personally able to save thousands of dollars simply opting him as agent. He was able to close my house in 21 days with very thorough followup with Escrow and lender. He also very ethical and makes factual statements and don't play any tricks to sell/buy homes. He also assists finding good lender and chose right escrow company. I recommend Vikram if you are looking to sell or buy the house

Vikram is very knowledgeable in general with real estate process and proceedings. Was there to help with each step. He was able to answer all our queries. Guided us in each and every step. I would definitely recommend him.

We highly recommend Vikram as he is very hard working and detailed oriented. Within a few days of working with him, he understood our requirements and was always available for visiting new houses. Within 3 weeks of working with him, we found our house. During offer process, he guided us well and remained available throughout the buying process. We are proud owners today and thanks to Vikram for playing huge role in this

We used Vikram Boregowda to buy our home in 92129 last summer and he was outstanding.. We accepted and vikram (who was also incredibly friendly and helpful) walked us through every step of the closing process. It couldn't have been a more pleasant experience. In short, he was always on our side working to make our house purchase as simple and successful as possible. The best part about working with vikram was that he was always more focused on answering our questions, giving us good advice, and finding homes that met our needs than he was on closing a deal. We would recommend him to anyone. I've recommended the vikram to everyone I know. He's a true professional and a genuinely nice guy

Vikram's part in our transaction was a dual agent. I felt he was fair and unbiased in his dealings with us(the seller). He was very responsive and kept us informed the whole way through. I would definitely recommend Vikram B

Vikram is an amazing realtor, extremely diligent, He closely monitors every step but also respects your space and opinions.. he will walk you through every step and gives helpful advice, without getting pushy. And he has a lot of patience and calmly listens to his clients requirements. He started off with the whole buying process and also helped finding us someone to renovate as well. I would definitely recommend him for a hassle free buying process

I knew Vikram for 15+ years, long before I picked him as my real estate agent. To be honest, I had second thoughts like Is it correct, to pick your friend as your agent? Will I be able to say things openly and get things done in a way I want to get them done? .. But oh boy, I am so glad I kept those doubts aside and picked him as my agent. In the past 3 months, there was not a single moment where he brought our frienship into the professional Agent-Client relationship. He guided us every step of the way in this Crazy-monster like real-estate market and was able to sell my current home in time to buy/upgrade to a bigger home. He always says his goal is to Protect his client's interests is his 1st priority.. And I vouch that he met that goal 100% and if you are a 1st time home-buyer, believe me, there are endless steps to get through. He was Professional, Punctual, always-reachable, xcellent local knowledge, good-negotiator and above all he was patient with our 1000's of questions. So if you are in the market or planning to get into a market and in a state of mind asking, Who is the agent, who can help me buy my dream house or sell my current house?, I would recommend you give Vikram a chance and you will be a happy customer at the end of process

In a hot market like San Diego, he is the right person to get you your dream home. He has all the skills what a realtor is supposed to have. Highly responsive, has great network with all the realtors which is needed,very positive spirited person. He keeps his words

I was specifically looking for a house in Scripps Ranch Area. Vikram is very knowledgeable about the ongoing market situation. He would guide about pros and cons of the house very thoroughly. He will be genuine about the house. Overall I'm very pleased about his services and highly recommend him

Vikram deserves 5 stars for all the efforts he puts in. Despite a highly competitive market in San Diego, he tries his best to win deals. With a friendly & positive attitude, he made me aware of the pros/cons of each property without being pushy. I had some constraints w.r.t the type of property & he was understanding & willing to work within those constraints. I have found his energy levels & enthusiasm to work in real estate sector to be very high. I highly recommend him for the above reasons if you are looking for a realtor

Vikram did a great job in helping me buy the condo. As a first time home buyer, I had no idea about the home purchase process, Vikram provided exceptional assistance throughout the process of buying. Vikram's knowledge of the real estate market, attention to details and prompt-quick communication were invaluable. He patiently addressed all the concerns and questions, ensuring I had clear understanding of the steps involved in the process, which helped me make decisions. Vikram's expertise in negotiation and guidance in the offer process helped in securing a fair deal. I felt confident having Vikram on my side and his commitment to my best interest was evident. Overall it was great working with Vikram in the process of buying my first home.

Vikram is great and easy to work with. He takes out time and gives full commitment to client. He provides with valuable feedback as well. He is punctual and follows through with house owners with full dedications. He comes up with contracts and completes all steps to finalize deal in a timely manner

Vikram did a great job in helping me secure to buy a home. It was very time critical for me to move to the new home and Vikram worked very close and very hard and ensured, the deal is closed on time and the keys were handed over on time. Overall, its a good experience and would recommend him for anyone looking to buy or sell

Vikram is a very knowledgeable realtor who truly works for the client's benefit. In my case he pursued aggressively with the seller's agent and got the process rolling very quickly. Throughout the process he regularly shared updates and was very patient in answering any questions I had. Towards the closing time he worked out all the details meticulously to get us the seller credit that is required to perform the required repairs and fixes. Thanks to Vikram, I was able to finish my home purchase process within 2-3 months of starting

Vikram did fantastic job showing us several properties. He helped me in every single step for home buying, all the way from open house visit to escrow closing. He is amazing person to work with as he understands client requirements and advise accordingly. If you are first time buyer, I would certainly recommend for Vikram

Vikram helped us buy a single family home. He is very knowledgeable about the local area and guided us on a fair price for the property, while informing us about local price trends. He is responsive and can help first time buyers make an informed decision around any issues with the property itself. I recommend working with Vikram on any real estate purchase or selling.

Vikram is very knowledgeable, prompt and communicates clearly. He was also able help us with providing quality contacts for financing and contractors.

I knew Vikram as a colleague from the past. He is a very good friend and we have played Table Tennis many times. When it was time for me to buy a property and I learnt that Vikram has also become Realtor, then it was no brainer for me. I immediately reached out & Vikram enthusiastically showed me as many properties as I needed to see. Then when it came time to put an offer, his market knowledge was very helpful. He recommended what and how we should put as offer price. Then after our offer was accepted, he was there in the escrow process and ensured that we successfully bought the property smoothly. Overall, if I were to sum up the whole experience, it was a sweet blend of friendship, professionalism, great market knowledge and genuine enthusiasm. Highly recommend Vikram for your next real estate transaction

The most striking thing that we observed about Vikram was that he is a gentleman. Very soft spoken & non aggressive. Vikram, saved us from investing in a money pit(home) by warning us about the pitfalls associated with it. We were in a very tough & hopeless situation and he was very gracious about the financial aspect of it and helped us find our home. Also, he helped sell our home. Strongly recommend Vikram, for his patience, general decency, kindness and honesty. Vikram always has a cool head and was very upfront about whether something will work or not. We felt Vikram also has the luck factor too, he definitely proved lucky for us. Thank you so much Vikram, we really appreciate your patience with us

We used Vikram from beginning to end: Property mgmt, renovation asst, and selling. it was beyond convenient and simple being bicoastal. Communication and accessibility to him was stellar. I would recommend him to anyone from a first time buyer or renter to someone who has a realtor but needs expertise across all areas. His work ethic is superb and unmatchable. We sought several realtors and Property managers before we were recommended to him. We will forever be grateful for him

Vikram is best and never pressure people to buy and guides right way to fullfill the client needs. I didn't know how to begin the search for a realtor in the area I was interested in purchasing my next home. Vikram was recommended to me. He was responsive and efficient in getting back to me very quickly, and absolutely terrific. I would highly recommend Vikram. Thanks.

Despite a highly competitive market in San Diego, Vikram goes above and beyond to get the deal,His expertise in negotiation and guidance in the offer process helped us securing our dream house.He is friendly, polite with positive attitude and would let us know about the pros/cons of each property without being pushy.He also helped and guided us with property management expertise to rent our condo. Vikram is your to go person for real estate and property managment

C2 Financial corporation is our go-to place for mortgage refi. We just finished refinancing with them once again and as usual, the process was seamless. We recommend Joseph and his team for mortgage solutions!!

It was a great experience working with Joseph and his team during the home loan process. His team is very professional and not only were we able to lock a good rate, his team guided us through each step and answered all the questions. Great experience- would highly recommend.

It was great working with Joseph, he was very responsive and helped me with the process without any hassle

We had a great experience working with Joseph Chacko and his team, especially Tina during our home buying process. JC and his team was extremely professional in working with us and was able to find us the best mortgage rate available in the market. We needed a lender to fund our mortgage in 21 days and JC's team was able to find us a lender who could meet the timeline and was able to get us to the 'Ready to Fund' status a few days ahead of time!! He also worked closely with our realtor to ensure that we stay on track to close our 21 day escrow deadline. We would highly recommend Joseph Chacko's service to our friends.

Joseph thoroughly explained the details of every step in the loan processing and closed the loan much earlier than expected. He also guided me to prepare all the documents for a fast closing. I would recommend hiring Joseph as a loan officer.

I got a mortgage for new construction home through Joseph. Inspite of multiple delays from the home builder, Joseph's team managed to keep my interest rates and closing costs fixed. Martha processed my application, was always available to answer any questions. She took care of closing the loan on time.

We had a great time working with Joseph and his team. They were prompt and answered all our questions patiently. Home buying is a stressful process and they were very helpful and patient with us. Would definitely recommend .

I always had a great experience working with Joseph and his team. I have done multiple purchases and refinances through his mortgage company and they always are competitive with their rates and go above and beyond to meet our demands.

Joseph and the C2 Financial team provided invaluable support throughout our journey to secure our first home loan. Joseph displayed a deep understanding of our concerns and swiftly identified a loan that perfectly aligned with our needs. What truly set him apart was his unwavering willingness to assist us at any hour. Prior to working with Joseph, we encountered difficulties in securing the most favorable deal, with other lenders burdening us with unnecessary charges and rates that seemed questionable. However, Joseph and his team impressed us by delivering excellent rates right from our initial interaction. Unlike previous lenders who had caused delays in the process, we found ourselves approaching the completion date with concerns about being stuck with an unfavorable lender. Joseph and his team, however, worked diligently to streamline the process, ensuring it aligned with our closing dates as promised. I wholeheartedly recommend Joseph and his team to any prospective homebuyer, as he truly proved to be a lifeline in our home loan journey. Thanks to Joseph, Martha and their team.

Always a pleasure working with Joseph on my mortage needs. He works hard with his team to ensure you get what you are looking for and does his best to find the best programs for your loan needs. Try Joseph and you wont go wrong!

Joseph was given a competitive quote for my mortgage. Easily reachable and answered almost all questions that I had. Martha did a great job in helping with all the paper works. All over they helped me to secure mortgage with a great rate.

We recently had the pleasure of working with Joseph and Martha through C2 Financial and we couldn't be happier with the experience. From start to finish, their professionalism, expertise, and dedication truly stood out. They took the time to thoroughly go through different mortgage options with us, helping us understand the pros and cons of each one. This level of transparency gave us confidence in making the right decision for our financial future. Thanks to their efforts, we secured a mortgage that aligns with our needs and preferences and we were able to close in 3 weeks! In summary, our experience was nothing short of exceptional. We wholeheartedly recommend their services to anyone in need of mortgage assistance.

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. Closed the loan on time and was also able to get good rate. I would recommend them to anyone in need of a lender. Thanks to Joseph Chacko's team - Martha and Deanna !!

We just recently brought a home in San Jose, CA. Joseph and Martha were of great help throughout the process of acquiring home mortgage and closing the escrow in just 15days. They answer the phone call right away or immediately text back if they are unable to do so. I was able to get the pre-approval letter in less than a day. They made the entire process of closing escrow look easy, trust me it is not. There are lot of technical term in home loan closing and Martha explained all of them in layman terms really well. They are a great team to work with and I would highly recommend them.

I had a great experience working with Joseph Chacko and Martha. I was able find a very good rate with a lender and was able to close on time. All our questions were answered promptly by the team.

The minute I picked the phone and spoke with him to the end process Joseph and his team were there all along a special shout to Martha too for not letting off on any questions got back right away will recommend them to anyone seasoned or starting out first time me I will always go back to them great job thank you.

We worked with Martha and Joseph for our home purchase in Washington. They made sure all complexities were handled in an easy to understand manner. Martha was very patient and helpful. As first time home buyers, they also made sure we got the best mortgage rate as per our standings. Would definitely recommend!

Maria and Joseph gave me the best rate given the current market conditions. I had a quick 30 day close and everything was well ahead of time. They were cooperative and understanding of my situation. I would highly recommend them for any of your loans. This is my first time purchasing an investment property out of state and look forward to working with them in the future as well!!!

I had a great experience working with Joseph. He was very much helpful and flexible and ensured that I got the very best rate in this fluctuating market. Communications were prompt and clear and I always had a feel that things were safe in his hands, which were vindicated later:) He and his team, including Martha, was very prompt in all the email communications and was always available to explain all the nuances of the documents related to closing. We had a very smooth on-time property closing, thanks in large to C2. I would safely recommend C2 to all my friends.

We loved working with Joseph and his team while we were looking for our house in California. Joseph was very easy to work with and he was always there to answer our questions, solve our issues and guide us through the loan process. Working with him was like working with a family member, he was always just a call away. We were taking a jumbo loan which itself was added pressure on Joseph and his team. Working with them made it so simple amidst all the complicated paperwork. I can't imagine the amount of work they do in the background to make it look easy and seamless for us. Thanks Joseph, for the extraordinary work and help. It will always be a pleasure working with you in future.

Joseph and his team is very energetic to help their clients to close the loan on time with no delay. They will reply back to email or phone call immediately. I love to refer them if anyone wants to use their service for any type of mortgage loans.

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, DU 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.

We had a great experience working with Joseph Chacko and his team, especially Tina during our home buying process. JC and his team was extremely professional in working with us and was able to find us the best mortgage rate available in the market. We needed a lender to fund our mortgage in 21 days and JC's team was able to find us a lender who could meet the timeline and was able to get us to the 'Ready to Fund' status a few days ahead of time!! He also worked closely with our realtor to ensure that we stay on track to close our 21 day escrow deadline. We would highly recommend Joseph Chacko's service to our friends.

Joseph thoroughly explained the details of every step in the loan processing and closed the loan much earlier than expected. He also guided me to prepare all the documents for a fast closing. I would recommend hiring Joseph as a loan officer.

Jay was very helpful and responsive. He was equally well-informed and worked towards making the deal work better for us. Would highly recommend Jay!

Very friendly. Loan processing never felt this easy. Provided excellent service. I would definitely recommend him to any one who is looking to apply for home loan

Jay you are the best..Through out the loan process, I am thrilled and amazed how efficiently and effectively one can work. He works so close to the buyer(me in my case), updates every single details, gives you heads up if any thing is need before hand. He gave me the best rate that any one hadn't offered or even I wasn't expecting. Once again thank you and I 100% recommend any one buying home, contact him

Jay was very helpful on every step of the loan process. He is very professional and fast in his work. He closed my loan faster than I thought it would take. I am very satisfied with his work and would recommend him to anyone who need help with loan process

Jay was an a isiliye pleasure to work with. He was prompt, proactive and very collaborative. He just made the whole process of financing our home smooth and worry free. I would work with him again and would recommend everyone who needs a friend and not a lender, to work with Jay

Thanks Jay I'm really happy with your determination to closed my loan within the 15 days that is never happen with the another lender. I know it wasn't easy, but I knew you could do it. Your helpful attitude makes it clear that you can continue to take on new challenges and grow with the company. Thank you for your extra effort

Cooperative,energetic,friendly,helpful,fast and aggressive service.24 hours available for service.curious to help customers.Helps toprovide chief interest rate

Very friendly person, was Available 24 hours to assist and provided better interest than expected. He is definitely a go to person for your home needs

Jay is amazing! He treats his clients like they're family. Great customer service, he kept us informed in every step of the home loan process. This is our first home buying experience and he was a big help. I highly recommend Jay for any mortgage financing needs

Jay helped in identifying the product which had a very competitive interest rate at this time when interest rates are rising. He followed up through the whole process quite diligently

He has made my best loan with all the possibilities. With best rates which was available for Me took care of all my documentation and made it successfully. Thanks. A lot jay

Jay has done a great job for me in the lending process. He was prompt and answered all my questions and was available whenever i called him. Even he missed my calls, he answered back with 10-15 min. Also he helped me get the best intrest rate. I highly recommend him

Jay came highly recommended from several friends that have used his services. I do the same to anyone who is looking for an awesome experience! As a first time home buyer, I had no clue what to do, but Jay made it super easy with clear explanations and concise instructions. He and his team were readily available when I had questions and they even got my my pre-qualification letter same day. Spot on with rough estimates which kept me ahead of the game through the whole process. No regrets or complaints - smooth sailing all the way! Very Happy

We closed our refinance on July 2022. With 3 months of waiting on the loan closing from other lender I reached out to Jay and it was the right decision we made. He made it so easy with all the required documentation was provided he was able to close it within 2 weeks. Which was quite amazing. He didnt Haggled us neither we had to go thru and stress. He was upto date on the follow ups. Professionlism aside very nice person to work with and would recommend to reach out to him once just to know what he can offer because pretty sure once you talk to him you would not go with any other lenders

Working with Jay was a great experience. It was my first time working with him but his professional skills and communicative skills made me confident I was in safe hands. Working on a loan is a very important decision and should be extremely mindful of lot of stuffs. Jay helped me throughout the process and made sure it was very smooth. I did not have to worry about any minor/major issues. Anything that had came up, Jay was always there to find me the right solution and show me that direction. I would definitely recommend Jay and his professional skills

I would like to thank Jay! He made my home purchase simple, easy and seamless in term of financing. Finance is always hard to deal. He made those easy for me to understand. I don’t know whether he gave me best of best rate or not, but not bad though. I would recommend to give him a chance and compare the rate from other lenders. I am very sure you gonna satisfy 97-99.99% once you are okay with rate. I am sure he gonna match and give you better than other lenders rate. There is lots behind the scene except the term money/loan and rate like, credit health, employment verification & it’s charge, statement, insurance, balance sheet, appraisal, tax and many more. You need a lender whom you can bother anytime

I am extremely happy with Jay.He made my home purchase seamless in term of financing. He is very open and straight forward with the suitable options as per my situation

It was a great experience working with Jay. He was very knowledgeable, easy to work with and very responsive. He helped us get the loan approved in a very short time and at a very competitive rate. I highly recommend him

Jay did a fantastic job navigating me through the process right from the start. He was always there for me whenever I had a question or concern and I much appreciate his commitment to the work in resolving my queries immediately. Jay was in constant communication with me and always went above and beyond what was required. I very much liked his transparent communication informing me about each step during the process made me feel a whole lot more confident that this is in good hands. Thank you, Jay, I would strongly recommend you and Mortgage Equity Partners to everyone. It was an Awesome experience for me. I would feel great referring others to you

Jay did a fantastic job helping us close in time with better rates and closing costs. He was always available to answer any queries and concerns and made it easier for us in each and every step to get the loan. He helped us understand each categories of the loan estimates and made the loan processing very comfortable and doubt free for us

Thanks Jay for your efforts. I never think that loan will be moved to us that is pretty complicated loan you have done for us. You guys can work him he is one of the hard worker to yet your loan i will guarantee that

He is perfect in his job …. So professional…. So dedicated person..Everything right on time …. You are the best Mr jay agrawal…. You make our home come true….. so nice person ever meet….. thank u so much

Jay is one of the best lender I came across with. He is very helpful guy and gives all the details and explaining on financial question you get along the process

It was great experience working with jay agrawal.he has very good experience about loan. Easy to work and very responsible .he helped us home loan all process and good advice and very Competitive rate..I highly recommend work with him.Once again thank you.jay good luck

Jay is the best! He assisted us throughout the whole process. Any questions/concerns we had all we did was contact him and he would help. We would highly recommend Jay for anyone looking to purchase a home

Working with Jay was a great experience. Through out the loan process, I am thrilled and amazed how efficiently and effectively one can work. He helped us to understand each categories of the loan estimates and made the loan processing so easy with all the required documentation. Thank you and I highly recommend Jay for any financial services

Jay was great to work with! He was always available to answer any questions we had. He also helped ensure that all our documents were submitted properly to make the closing process as smooth as possible. I am going to recommend him to all my friends and family

Being a first time home buyer its always tricky to choose not only home but the realtor who will get you that desired property. I was lucky to have Shankar, help me find a great property in the desired location I wanted. It took me about 6 months to finalize on the property I loved and wanted to buy. But during this whole process, Shankar has been super patient, very detailed, and AVAILABLE all the time. Shankar, helped us understand both pros and cons of the property in terms of location, schools, future developments and comparables in the same region. He seems to have great knowledge about the Folsom CA in particular. Another plus point of Shankar is he helped me shop around for a good mortgage rate too. If you are looking to buy something in and around Folsom CA, I would recommend using Shankar. He is patient, dedicated and detail oriented. Thank you Shankar for all you did for us.

Shankar was wonderful to work with. He helped me sell my house in 1 week and helped to close it in 2 weeks. Shankar made what could have been a stressful and difficult process as seamless as could be. He made everything very easy to navigate and was always available and helpful. I wouldn’t work with anyone else! He is very professional and very nice to work with. He really listened, cares passionately about his job and his calming manner worked wonders for us. I would recommend him to whoever is looking to buy or sell a home in California.

Shankar made our home selling process a breeze! He has a keen eye for what needs to be done to ready for staging, like painting the whole house with a neutral color. Shankar was always on time for appointments, negotiated well with other agents or always followed up with emails, phone messages and voicemails etc., He kept up his promises. Our home was sold in 3 hours much more than the asking price!