Best Residential Mortgage Brokers in Clovis, CA

Thanks Sanjeev Verma for finding dream house for me and helping understand whole process. We were unable to find such a great property with good interest %. Will surely recommend you to my friends and family. It's hard to find someone who understands what others really need.

Naresh and Pattrick have been amazing to work with. They got me a very good deal and they were extremely patient with me, explaining all the numbers and next steps thoroughly in detail. Would love to work with them in the future and recommend them for your mortgage needs! Thank you both!

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

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

?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!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Had a great experience refinancing my home with Naresh Ravuri. The process was easy, and he was always available to answer my questions and everything went smoothly. Highly recommend!

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

?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!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

The communication from Joseph Chacko and their team was outstanding. They kept us informed at every stage of the process and was always available to answer our questions, even outside of regular business hours. Our experience was stress-free because of their dedication and hard work. They are truly the best we've ever worked with.

Joseph gave great rates and a no cost refinance option . The process was smooth and straightforward. I’d work with him again .

We had great experience working with Mr. Joseph Chacko from C2 financial co and he has helped us two times with our refinancing. He is very efficient and knowledgeable and makes the right moves. When in doubt he takes time to listen to our questions and explains the process in simple language. We highly recommend Mr. Joseph if you are looking for a trustworthy and reliable loan officer for your mortgage needs

I highly recommend Joseph Chacko from C2 Financial Corporation in San Diego. He truly took the time to understand our goals and needs, helping us plan the loan process in a way that made sense for us. Throughout the entire journey, Joseph was patient, professional, and incredibly thorough, handling every detail with care and keeping us informed at each step. What I appreciated most was how he tailored everything to our situation rather than using a one-size-fits-all approach. We not only got the right loan but also learned how to plan better for our future needs. Joseph’s calm, honest, and knowledgeable guidance made a stressful process feel easy. If you want someone who genuinely listens and works in your best interest, C2 Financial Corporation and Joseph Chacko is the person you can trust.

Provided me with the best rates possible

I had an excellent experience working with Joseph Chacko during my refinance process. He was professional, knowledgeable, and always responsive to my questions. From start to finish, he clearly explained every step, making the entire process smooth and stress-free. I appreciated his transparency, attention to detail, and ability to secure a competitive rate that fit my financial goals. Overall, it was a seamless experience, and I would highly recommend Joseph to anyone considering refinancing.

I worked with Joseph Chacko, C2 Financial Corporation to refinance my property in Seattle in Oct 2025. It was an excellent experience from start to finish. Joseph and his team communicated very clearly, all my questions were answered timely. Besides, I was offered a great rate and was a cost-free refinancing, and the closing happened exactly on schedule. The entire process was stress-free and I highly recommend them for anyone else!!

Great Experience! We recently worked with Joseph and his team at C2 Financial Corporation for our home mortgage, and they made the entire process smooth and stress-free. Thanks to their expertise and efficiency, we were able to close quickly. We highly recommend them to anyone in need of a trustworthy and professional mortgage team.

I had the pleasure of working with Joseph as part of my refinance. He did excellent and provided timely help and options for my refinance. I ended up going with him which helped me save few 100s of dollars each month. Thx,

Thank you Joseph and team for the excellent service during the refinancing process of my primary residence. Your team's expertise, guidance, and support made the entire experience smooth and stress-free. Also, thank you for helping me secure a great rate and terms that fit my needs. I appreciate the time and effort you invested in ensuring a seamless transaction.

I originally worked with Joseph to buy my home, so when it came time to look into refinancing a year later, he was my first call. Once again, Joseph and his team didn't disappoint. They really took the time to understand my current financial scenario and navigated the market perfectly to secure the best possible rate for me. The process was incredibly seamless from start to finish. Highly recommended!

I recently refinanced my house (single-family home in Greater Seattle) with Joseph and C2 Financial Corporation (San Diego). Despite being from a different city, Joseph worked with me, went out of his way, and found me the best rate available out there in the market. Very respectful at all times, Joseph made the whole process really smooth for me. All communication and paperwork were timely, comprehensive, and accurate. I strongly recommend Joseph and team (Deanna) for any new-home loans and refinancing.

We recently refinanced our house mortgage with Joseph Chacko and C2 Financial Corp. And this is the 3rd time we are working with Joseph for finance and refinances. He gave us the best competitive rate as per the market situation. He is very knowledgeable and clarifies whatever questions we ask. The best thing we've admired in his work is keeping up the closing-time in a shorter period possible every single time we had worked with him. When we worked with him for the initial financing of our home, he had promised us that he'll make sure to do our next refinance with no closing cost and he honored his words. We highly recommend him to those who are looking to refinance.

From the moment we started working with Mr. Sanjeev Verma, we felt a sense of honesty and efficiency. We were very nervous about working with a new loan officer based on our experience with our previous lender. We were in a very tight escrow timeline already when we switched to Mr. Verma as our new loan officer. Without wasting a single minute Mr. Verma examined all of our documents, explained all of our options, got our file ready overnight and APPROVED with underwriter the next afternoon!! Not only Mr. Verma helped us secure our loan so quickly, he locked it with the best interest rate while offering us huge savings with lender credits towards our closing costs!! We saved over 12K in closing costs as compared to our previous lender! We are now in our new home all because of Mr. Verma’s help. Can’t thank him enough for his excellent services. We would definitely recommend him to anyone looking for a honest, efficient, easy going and hard working loan officer! Thank you so very much Mr. Verma, you’re the BEST!!!

BEST REALTOR EVER! I would highly recommend Sanjeev to anyone looking to make their home buying/selling process stress-free. Sanjeev is extremely responsive and answers all questions quickly. Sanjeev really values his clients and it shows in how he treats them. Will definitely work with Sanjeev again and again. Thanks Sanjeev!

Thanks to Sanjeev Varma I was able to lock in a good interest rate. He has exceptional customer service skills. He’s knowledge of the real estate market is very admirable. Very highly recommend Sanjeev Varma.

Sanjeev is truly a pleasure to work with! His professionalism really raises the bar among realtors and I genuinely look forward to my next opportunity to work with him!

Sanjeev Verma helped refinance about a dozen residential and a commercial properties of our family. I found him very competent in his professional field.

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 :)

Truly , was a pleasure working with sanjeev in buying our first property. I would highyly recommend Sanjeev to anyone interested in buying. BEST REALTOR EVER. THANK YOU SO MUCH.

Sanjeev 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!

Sanjeev has been my go to person for all mortgage needs. I have two of my properties financed with him and he always makes sure we get the best price in the market. He is also very diligent and knowledgeable with all the paperwork involved in a real estate transaction.

Sanjeev is incredibly professional and reliable from start to finish. He ensured that all paperwork was completed accurately and on time, making the closing process smooth and successful. He truly went above and beyond to help us find our home. He kept us extremely well informed about the process, he always advocated for us and truly understood our needs. We are so glad to have worked with him!! I highly recommend Sanjeev to anyone looking to buy or sell a home. Thank you, Sanjeev!!

Sanjeev is an amazing agent. He helped with buying my first home and the process was very easy. He explained every step along the way and worked hard to get what was best for us. I recommend having him as an agent because he is honest, patient, and very helpful!

I'm a Realtor, I had a pleasure to work on a sale where Sanjeev represented the buyer and I resented the seller. Sanjeev is a great agent to work with. Sanjeev is not only a great agent he is also a great loan officer, he did the loan prosses in a very short time. I really recommend Sanjeev.

Sanjeev has made the process of buying a home very easy for my partner and I, especially since we’re very young. He helped us with the loan process as well and also helped us save a lot of money!

I recently had the pleasure of working with Sanjeev Verma as our real estate agent, and I can't recommend him highly enough! From the very beginning, Sanjeev was incredibly helpful and supportive throughout the entire loan process. His expertise and knowledge in the field are truly impressive, making every step feel seamless and manageable. Sanjeev took the time to explain everything clearly, ensuring that we understood our options and felt confident in our decisions. His dedication to helping us secure the best loan was evident, and he was always available to answer any questions we had, no matter how small. What stood out the most was his genuine care for our needs. Sanjeev went above and beyond to make sure we felt comfortable and informed every step of the way. Thanks to his hard work and commitment, we were able to achieve our goals with ease. If you're looking for a real estate agent who is not only knowledgeable but also truly cares about his clients, look no further than Sanjeev Verma. He is absolutely amazing, and I am so grateful for his assistance!

We had the pleasure of working with Sanjeev Verma for the purchase of our restaurant, and we couldn't be happier with the experience! We were so impressed with Sanjeev's extensive knowledge, not only in residential real estate but also his impressive understanding of commercial properties. He guided us through every step of the process with incredible patience and clarity, making what could have been a stressful experience feel manageable and even enjoyable. Sanjeev is exceptionally kind and truly dedicated to his clients. He was always available whenever we needed him, and his responsiveness was truly remarkable. We honestly believe that without Sanjeev's expertise and support, we would not have been able to successfully purchase our restaurant. We are so grateful for his hard work and dedication. If you're looking for a knowledgeable, kind, and highly accessible real estate agent for either residential or commercial properties, we wholeheartedly recommend Sanjeev Verma!

I have known Sanjeev for more than 20 years. He is an amazing realtor and loan officer. He is extremely knowledgeable and very creative when doing loans. I highly recommend Sanjeev for any real estate or mortgage needs.

Sanjeev did such a great job explaining and helping me and my family with the purchase of our first home. The rate and closing costs were better than everyone’s, but his best attribute was the white glove service. Thank you Sanjeev.

Very knowledgeable in both Real Estate and Mortgage!

Working with Sanjeev has been a great experience both when buying my home and later refinancing it. He was available 24/7 to answer any questions I had and always made sure I fully understood every step of the process. His knowledge and professionalism gave me complete confidence, and he went above and beyond to make the entire experience smooth and stress-free. I couldn’t have asked for a better loan officer - highly recommend him to anyone looking to buy or refinance a home!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Extremely satisfied with Sanjeev as my broker. He was professional and always willing to go the extra mile and guided me step by step through the refinancing process, answered all my questions with patience, and made the entire experience smooth and stress-free.

Overall good experience.

Great person and helped us find the right home for my wife and I. Thank you Sanjeev!

I had a really great experience with him and would recommend him

Great Loan Officer

Worked with Sanjeev on a listing and he was great to work with and communicative. Excited for our next deal.

I had an exceptional experience working with Sanjeev earlier this year while closing on two properties. He went above and beyond at every step.He was extremely knowledgeable, responsive, and genuinely supportive throughout the entire process. Everything was seamless and stress free from start to finish. His expertise, professionalism, and dedication gave me complete confidence in every decision.I couldn’t have asked for a better experience and would highly recommend him to anyone looking for financing or real estate needs.

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Working with Sanjeev felt easy from day one. He helped us understand both the real estate and mortgage side without making it confusing, and he was always patient with our questions. What stood out most was how human he was he truly cared, checked in often, and made sure we felt comfortable every step of the way. It never felt rushed or transactional, just honest help when we needed it. Would absolutely recommend him.

Sanjeev is is wonderful about educating you about all the most reasonable/feasible financing options to meet your specific need. He is very up front, honest, transparent, extremely resourceful and works very hard to get you the best deals he can.

If you’re looking for someone you can trust with one of the biggest decisions of your life, this is the person you want in your corner. Sanjeev has so much experience and is the by far the best.

I had an outstanding experience refinancing my home loan with Naresh Ravuri. From start to finish, the entire process was seamless, and we closed in just 3 weeks—much faster than I expected! Naresh Ravuri was extremely knowledgeable, proactive, and always available to answer my questions. They secured a fantastic rate and made sure every detail was handled efficiently, making the refinance stress-free. If you’re looking for a loan officer who is responsive, transparent, and highly skilled, I highly recommend Naresh Ravuri. Thank you for making this such a smooth experience!

I have worked with Naresh and he is very informative and patient with me through out the process and has best rates to offer with along with decent lender incentives.

I had an amazing experience with refi of my property. Naresh Ravuri have been super helpful during the entire closing process answering any questions I had. He is super knowledgable of the entire mortgage lending process. I will surely reach out to him and the team next time I need their lending services.

Naresh is outstanding! He made the entire loan process smooth, transparent, and stress-free. His communication was prompt and clear at every step, and he truly went above and beyond to secure the best deal for us. I highly recommend Naresh to anyone looking for a knowledgeable and trustworthy loan officer. Thank you for the excellent service!

I had an excellent experience working with Naresh Ravuri for my home loan. From start to finish, Naresh was professional, knowledgeable, and incredibly supportive throughout the entire process. He explained every step clearly, helped me understand all my options, and was always available to answer any questions I had. What I appreciated most was his attention to detail, timely communication, and genuine care in ensuring the loan process was smooth and stress-free. Thanks to his dedication and guidance, I was able to secure the right loan without any delays or confusion. I truly appreciate all the hard work Naresh put in and would highly recommend him to anyone looking for a reliable and trustworthy home loan officer.

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!

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

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!

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.

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.

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!

Shankar Reddy is one of the Best person that I have met in my recent times. His primary focus is to provide best opportunities to the clients and sharing necessary feedbacks in every aspect of Home purchase. With his tons of real estate experience, always drives customers to find the best home in the desired place with affordable pricing options!! He is very friendly and easy to approachable always !! Really appreciate his flexibility, commitment,trust and great service to this community !!

Did an excellent job in listing my home and selling it during high volatile market conditions. Personally looked into the house and went through all steps in advance and cleared all our questions i.e. regard to selling and also finances. Very hard working and definitely use him in any other real-estate transactions in future too.

Recently refinanced our home with Jacob and had a very positive experience. Jacob constantly communicates through every step of the process and keeps you informed which was very assuring. He is always open to questions and very quickly gets back to you and found him very trust worthy. The entire refi cycle was very quick and efficient. Really valued working with Jacob and would definitely utilize his services again and highly recommend to anyone who is in looking to refinance. Thanks Jacob for everything.

It was a pleasure doing business with Mr Jacob. It was one of the best refinancing experience we have ever had. The process was very smooth. He was on top of the process the whole time. He eased the pain of refinancing by calling and following up with various places when I had busy weeks. Overall a great experience. Would highly recommend.

Jacob is very knowledgeable, dedicated and helpfull. He does all the work for you to make your loan process simpler. Jacob is great in communicating the updates which makes you very comfortable. We highly recommend Jacob if you are looking to buy your home or want to refinance. Thank you Jacob for all the help and guidance!

Jacob is very knowledgeable and help you in every way you can to get your loan needs. I have done refi three times with him and some of the friends and clients do purchase and refinance loans with him. Very professional and easy to work with and fast closing. Thank you Jacob for your dedication to the entire process from start to finish on any loan.

Jacob got me a very nice rate and closing process was very fast. He is very responsive to your queries .

Joseph and his team are true professionals. As a first-time home buyer I had tons of questions and concerns about almost everything. But as soon as I spoke with Joseph, my worries were gone and all my queries were appropriately answered. Joseph and the team were very helpful and answered all my questions until I was satisfied that I understood everything. The process was smooth, and I felt like I had their support for the entire transaction which is important especially when you are new to the home buying process. Joseph and the team were a complete pleasure to work with. I highly recommend him and wish there were more people in the industry with his knowledge base, social skills, patience, and sincere interest in helping his customers.

I recently bought a new home and Joseph team helped me in funding the loan. Whole process was smooth and responses were prompt. As this is my first home, I had a lot of questions and the team was patient in answering all the questions. The team is knowledgeable and had a good experience in the field. Thank You Joseph and team for all the help. I highly recommend for anyone who is looking for home financing :)

Joseph and team are very professional, dedicated and provides great rates. He and his team were extremely helpful and supportive throughout the process. They extensively worked with my builder, Escrow team and the lender so that we could close our home on time. We will recommend Joseph Chacko to anyone who is looking for a home loan!

We had an incredible experience working with Joseph. From the start, Joseph was engaged to understand how he could meet our home financing needs and how he can make the process as smooth as possible. As a first-time homebuyer, Joseph exceeded our expectations, and would highly recommend Joseph and his team!!

Joseph and Martha worked very fast with the information I gave them. All forms online, all signatures are digital. Really, the fastest I have seen during these busy times. Not to mention very friendly and looking out for best options and lowest interest rates. Will definitely use them again.

Smooth Painless Process with Amazing team !! Joseph and his team are true professionals. As a first-time home buyer I had tons of questions and concerns about almost everything. But as soon as I spoke with Joseph, my worries were gone and all my queries were appropriately answered. Joseph and the team were very helpful and answered all my questions until I was satisfied that I understood everything. The process was smooth, and I felt like I had their support for the entire transaction which is important especially when you are new to the home buying process. Joseph and the team were a complete pleasure to work with. I highly recommend him and wish there were more people in the industry with his knowledge base, social skills, patience, and sincere interest in helping his customers.

I recently bought a new home and Joseph team helped me in funding the loan. Whole process was smooth and responses were prompt. As this is my first home, I had a lot of questions and the team was patient in answering all the questions. The team is knowledgeable and had a good experience in the field. Thank You Joseph and team for all the help. I highly recommend for anyone who is looking for home financing :)

Joseph just helped me to refinance my house. He has a very efficient system and streamline procedure to process, from listing the needed documents, uploading and reviewing, checking additional documents, to signing offs. I think the needed list is generic but also specific, and not overly required. He dropped a few reminders, timely, just-in-time to keep the flow going smoothly. He is clear on the rate, terms, cost, and delivered as he promised. It was a good experience for me.

I had a great experience working with Mr. Joseph on my home refinance. Joseph and his team made the entire process very easy. They are very professional. Highly recommend Joseph for your home refinancing needs.

Joseph and team helped us multiple times for refinancing and for the mortgage for new purchase. he provided pre approval quickly, processed loan fast. I highly recommend Joseph for any mortgage or refinancing requirement

We had an incredible experience working with Joseph. From the start, Joseph was engaged to understand how he could meet our home financing needs and how he can make the process as smooth as possible. As a first-time homebuyer, Joseph exceeded our expectations, and would highly recommend Joseph and his team!!

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!!

Great service ,rates and prompt response from everyone in the team

C2 Financial is definitely a go to resort for Mortgage loans.They helped me speed up my loan process by proactively collecting all the required documents and suggested ways to lock the best interest deal available in the market. They did clarify all my questions making it relatively easier for me to make my decision about the loan! Highly recommend them ! Thank you guys for your amazing service!

I have just refinanced my house through Joseph. He was extremely professional and helpful. He gave me the best rates possible and close the loan in the shortest time possible. I highly recommend him. The Amazing thing about him, that he was extremely visible and guided me for the best available option.

I worked with Joseph and the team for my first home and it was a wonderful experience. As a first homeowner, I had many doubts and did not know what to do and how things are working out. Joseph could help me with all the questions I had and the support from the team made the process really easy. He also helped me to get the best interest rate. Thank you, Joseph and Team

Joseph and team were an absolute pleasure to work with. They were very responsive, diligent, communicated more than needed and fast w.r.t to processing our mortgage loan needs. Joseph was always available to take my calls and ensured that the entire process went through w/o a hitch. This is my fourth home and I have to say that this has my best experience so far. I highly recommend Joseph and team.

Excellent service! was referred to Joseph by a friend of mine. I had a fabulous experience working with Mr. Joseph Chacko on my home refinance. The rate was the best in the market and Joseph and his team made the entire process a very seamless experience. Highly recommend Joseph for your home loan or refinancing needs!

C2 Financial is definitely a go to resort for Mortgage loans.They helped me speed up my loan process by proactively collecting all the required documents and suggested ways to lock the best interest deal available in the market. They did clarify all my questions making it relatively easier for me to make my decision about the loan! Highly recommend them ! Thank you guys for your amazing service!

Closed on time on our new house. Closed on time on our new house. It was a smooth process. Promptly asked for supporting documents and followed through explaining all steps and what to expect.

Great work Joseph Chacko It was really great working with Joseph Chacko. Just a Phone call, and he will set the ball rolling, provide options/best rates available at that instance, and seamlessly helps close the financing. I have always relied on Joseph for anything related to financing/refinancing. Rest assured, your only task apart from providing the necessary doc's is to sign the Loan in front of Notary!!. Joseph has a good knowledge about several things that you can seek help too...Smooth and perfect.

Right person to approach He was good and helped me a lot throughout the process. got the best interest percentage too. He and his team worked hard to close the loan before time.

Great Service & Prompt response! We recently worked with Joseph to refinance our house, Both Joseph and his team are very professional and responsive throughout the process. He was able to lock a good rate for us and close it on time. We appreciate for their dedication and commitment to help others and looking forward to work with them in future. we highly recommend Joseph and his company to others. Thank you!

Smooth and easy refinancing! Joseph Chacko gave me the best rates around and their customer service is exceptional! In fact whenever there is a change in interest rate he usually inform me about it. Joseph Chacko and his team are professional, charming, and I always felt they were on my side to get the loan done quickly and favorably to me. I have used their service for refinancing my home more than once and I am very happy. Their quotes are honest and their fees upfront.Refinance was completed quickly within 3 weeks. They were very responsive and answered all questions. Very pleased with overall experience.You won't be disappointed to use them.

We recently refinanced our home loan and Joseph helped us sail through the process smoothly...we did have a lot of questions and concerns and repeatedly called Joseph...But he was very supportive and clarified all our questions...He is also very knowledgeable and gives his best to all his clients...very happy to work with him...And I would definitely recommend him for anyone looking for financing...

I recently closed on a realestate loan. Joseph and team were simply perfect partners in the transaction. He was able to provide be the best rates, was super responsive throughout, was able to close on an aggressive timeline and was always available for consultation on various aspects of financing. Highly recommend.

I was referred to Joseph by one of my close friends, He had a Can do attitude for every situation I raised and helped me navigate through the process with confidence. He was able to get my load approved way before I was ready, a rarety these days. Will work with him for any mortgage needs going forward.

Joseph and the team are super awesome, they make the entire home buying experience look easy. The entire team is always there to help you and guide you through the process. Highly recommend Joseph for anyone out there looking for a Home !!

It was fast and he kept his word. Great support team and I've already recommended to family and friends.

Great experience working with C2 Finance & Joseph Chacko for my Home mortgage refinance.

I have worked with Joseph Chacko for refinancing my home loan. I got everything done lightning fast, less than 15 days to close the loan. Joseph and his team are professional and knowledgeable. The whole process was pretty smooth and nice. Thanks to Joseph and the team. I highly recommend Joseph and the team for any mortgage loans.

The team was very responsive and helping answer all questions along the way. They were able to close the loan in the stipulated time. Very happy with the service and highly recommended

I worked with Joseph and team for a refi process for my house in WA. I was initially not sure how it would work when Joseph's team was stationed in CA, but to my surprise, the whole case was handled pretty smooth and nice. Joseph gave us a good deal and ensured all processes were taken care of while helping us dive deep on numbers well. I recommend Joseph and team for any refi/ new loans.

I enjoyed working with Joseph and his team for my home loan. The entire process was fast and smooth. I look forward to work with this team in the future. I received best interest rate with minimum loan cost. The professionalism of the entire staff was remarkable.

I have worked with Joseph for my loan refinance. He is prompt and patient to answer all my questions. He keeps track of the rates and lock in for the best available rate. Happy to work with him again

Mr. Joseph, Ms. Tina and their entire team have been extremely professional during every aspects of loan processing for our new home purchase on March 23, 2021. Mr. Joseph has an outstanding skill of clearing your doubts in simple language without bombarding you with all the technical jargons. Based on my experience, I would strongly recommend him and his team for all home buyers who are looking for suitable home loan.

We had a great experience with Joseph and team for our first home buying. Our realtor recommended us and we had a smooth loan approval and processing through Joseph and his team including Martha. Joseph helped us to get the lowest rate in the market through his extensive network and guided us though the process. Also, Joseph and Martha helped us to close without delay.

I have refinanced with Mr.Joseph Chacko more than a couple of times and I have had the best service and rate. He and his team are very organized and on target all the time. I have really enjoyed working with them. Wish you the very best Mr. Joseph and team.

It was a breeze to work with Mr.Joseph Chacko in a process of buying a house in Rocklin, CA. He is the best...

I was referred to Joseph by one of my close friends, He had a Can do attitude for every situation I raised and helped me navigate through the process with confidence. He was able to get my load approved way before I was ready, a rarety these days. Will work with him for any mortgage needs going forward.

“Joseph and his team at C2 Financial Corp were amazing from the loan pre-approval stage to the loan closing stage. They were very prompt in clearing my questions and concerns at various stages of the loan process. I approached four other mortgage lenders and Joseph’s team managed to give me the best rate. I recommend him for prospective home buyers. Thank you, Joseph and his team!”

Joseph is awesome made the entire process look very simple. Both myself and my wife enjoyed working with Joseph’s team. We highly recommend this to anyone looking for their next home

Joseph and team helped me close a home loan on time. They communicated effectively to resolve any questions and worked with me to address my questions and concerns. The process completed on time and efficiently.

I have worked with Joseph Chacko for refinancing my home loan. I got everything done lightning fast, less than 15 days to close the loan. Joseph and his team are professional and knowledgeable. The whole process was pretty smooth and nice. Thanks to Joseph and the team. I highly recommend Joseph and the team for any mortgage loans.

The team was very responsive and helping answer all questions along the way. They were able to close the loan in the stipulated time. Very happy with the service and highly recommended

Best interest rate, Quick response above all excellent professionalism. The entire loan process was very smooth and fast. I enjoyed working with Joseph and his office staff from the beginning till the end. I appreciate everyone and look forward to work with them in the future.

I have worked with Joseph for a long time, from purchasing my home and also several mortgage refinance. He is very competent, he talks you out of bad options and always evaluates/ brings you better option. I have referred him to family and friends and will continue to do so :)

We had an amazingly smooth and successful experience working with Joseph in the last few years We have done mortgage financing and refinancing 3 times with him so far. Two main things I would like to point out . 1) We were taken care of with the best rates the market had to offer, everytime. I always compare the rate from other sources. But each time, he gave me the best rate 2) With him, the whole process gets completed on time or before time. Refinancing is not fun but they made it very painless. He is highly knowledgeable in his field and has many years of experience. I highly recommend him

It is the question of having peace of mind for 30 yrs. on something you call ‘home’. Like most of us, I shopped around for a good rate and to find someone that you feel comfortable in sharing the details of your finances that generally spills into your personal life stories. This later piece is not often spoken about in the mortgage process but is such a crucial piece of the equation – to feel comfortable which further leads to trust and more importantly, peace of mind. Joseph Chacko came highly recommended by my very close family friend. From my first call with him, it was very evident that Joseph was very knowledgeable and had the pulse of the market. Instead of fitting a client into a mortgage plan, I found out that he listens to you, understands your financial situation, and then finds financial solutions that best fit you. This was very unique in my experience with him. He is highly responsive with his follow-ups. Also, did I mention that he found the lowest rate amongst all the mortgage people I approached! Joseph and his team made the process so easy and personal. They were so efficient that the closing on my home happened 10 days prior to the due date. I am so grateful to Joseph and his team for helping me buy a house that I call ‘home’ now. It is my privilege to recommend Joseph Chacko for all your mortgage needs!

Joseph is absolutely wonderful to work with! Joseph was so helpful, knowledgeable, knows what is best for his clients, and always available to answer all our queries. Joseph showed great patience explaining the intricacies involved with the loan process and answering our questions in a clear and concise manner. We were happy the way the whole process went. We would highly recommend Joseph as your next lender :)

It was a great and smooth experience. He and his team dealt the whole thing in pure professional manner and explained all the aspects cleanly and neatly. They were also very fast in handling my case and closing things. Definitely will go to them on any day anytime. Overall it was a great experience

I really had a great experience working with Joseph. He was very informative and provided the best refinancing experience possible. I recommend Joseph and will work with him in the future as well

We worked with Joseph Chacko for selling our old house and buying a house. Joseph got us the best interest rates we could get for the mortgage of the new house, and guided us through the entire process of selling and buying. He and his team worked with us closely and were available to answer any questions we had. We would highly recommend Joseph and Team for new loan or refinancing needs. Thank you.

I have been working with Joseph over the last 12 years. I have done at least 3 purchases and several refi with him. Joseph and his team are very knowledgeable about the process and prompt to respond. They have a very can do attitude. I appreciate the fact that he monitors the market and if there is a better rate available he reaches out to his client base. I wish him and his team all the best.

“We worked with Joseph Chacko and JCLending team with the purchase of our new home in Washington. We were thoroughly impressed with all aspects of the service we got from the JCLending team . This was our second home buying experience with the JCLending team. Their thoroughness, timely communications and transparency made the entire lending process so smooth. From the pre-approval, through closing, they made every step as easy and stress-free as possible. They also worked hard to get us the best possible rate. We will definitely work with them again and we highly recommend JCLending team!

We had a great experience with Joseph and team for our first home buying. Our realtor recommended us and we had a smooth loan approval and processing through Joseph and his team including Martha. Joseph helped us to get the lowest rate in the market through his extensive network and guided us though the process. Also, Joseph and Martha helped us to close without delay.

I worked with Joseph Chacko - C2 Financial Corporation for My mortgage refinancing . They were extremely helpful and knowledgeable especially Joseph and Malini whom I worked the most. I am happy with the services provided by them and fully satisfied with their automated approval system they have for eligibility processing. Great work Joseph and team.

Mr. Joseph is a well accomplished loan officer. He was very prompt and professional. During our first conversation, he explained every option that was available to me and extended his expertise beyond the scope of the business deal. I strongly believe that he provided me the best interest rate which other lenders can’t come closer to the same. He is a bright, intelligent, customer-oriented mortgage professional offering great service and rates. I am very proud to recommend Mr. Joseph as your next loan officer and I strongly suggest contacting Mr. Joseph for your best rate. Thanks Joseph for the great help!!

I highly recommend Joseph for your mortgage loan needs. He closely worked with me from pre-approval to all the way to closing and later. He was able to beat all competitive quotes I received from other lenders. He personally prepared me with right advises upfront - with timely follow ups when my responses were not fast enough. At any given time he made sure I had whatever documents/details needed by the lender immediately and at the next stages. He is the single reason my loan got processed and closed on time. Thank you Joseph for all the support you provided in spite of me making your job harder than required in my case!!!

We were buying a new home in Chicago, IL and was shopping around locally for a mortgage lender, then I remembered Joseph and gave him a call. We got the best rates with lender credits, opting for 7 yr ARM as Joseph suggested. Joseph helped us through-out the process and and the jumbo loan closed in less than a month. Highly recommend!

Absolutely outstanding service from Joseph! Joseph took the time to understand our needs and assess our asset profile to get us the best interest rate available. The closing process was also smooth and on time. We were referred to Joseph and will highly recommend him to our family and friends!

Was helpful, knowledgeable and good to work with. I was a first time home owner and had of questions and he was able to answer all my questions. He gave me multiple options and explained all the options in details.

Mr Joseph Chacko showed exceptional customer care during the whole process. He made himself available whenever needed. He never would misguide you, he is very professional. He was able to close the loan very quickly and I would highly recommend him!!!

Excellent!! Not thought of second person when it comes to Joseph. Really worked hard since day one for loan approval and explained all the pros and cons. I highly recommend him if anyone seeking for mortgage loan.

Wonderful person with tons of patience. As a first time home buyer we had lot of questions which were answered in detail. He was so friendly and reachable through out the process. I would recommend Joesph for everyone.

Joseph made things happen for me. Got me the best interest rate on the market and even was able to get some credits for me allowing me to have low closing costs. Worked with me to secure the loan for my new home. Was easy to contact and always got back to me if I had any questions. I would highly recommend Joseph for your loan needs!

I have been working with Joseph over the last 12 years. I have done at least 3 purchases and several refi with him. Joseph and his team are very knowledgeable about the process and prompt to respond. They have a very can do attitude. I appreciate the fact that he monitors the market and if there is a better rate available he reaches out to his client base. I wish him and his team all the best.

I enjoyed working with Joseph and his team for my home loan. The entire process was fast and smooth. I look forward to work with this team in the future. I received best interest rate with minimum loan cost. The professionalism of the entire staff was remarkable.

We worked with Joseph and his mortgage processors, especially Martha O., on what seemed to be a straightforward mortgage. Things didn't pan out as expected and we soon ran into some strong headwinds. Joseph and Martha helped us out, guiding us through the process and ensuring we closed on time. We're especially thankful to Joseph for providing critical insight and wisdom on the mortgage process and various products on offer. Overall, it was a great experience working with Joseph, and would definitely recommend to our friends and family.

I have worked with Joseph recently. His loan processing skills and the way he answers all of your question is amazing. He answered all my questions and more questions. He also suggested me better options and other options in terms of the rates and what's better/economical etc. He ran numbers for me all the time. He is very helpful and I would recommend him again and again. Very approachable, knowledgeable and practical! He is a good resource in terms of buying new properties and investing in real estate. Thank you Joseph for all your help and support. I am looking forward to work with you in future.

I have worked with Joseph for loan processing during purchase of 2 houses and couple of loan refinancing in the interim. He and his team are professional, respond quickly and walk through the process. I have called him multiple times during off hours and he has kind enough to answer my questions/concerns. He has been providing zero cost financing and refinancing(true zero closing costs) and best rates in the market. I would highly recommend Joseph for any home loan financing/refinance. Thank you Joseph for all your help and hope to continue working with you in the future.

Joesph and Team were the best I have worked with. Closing my loan in less than a month and making sure I get a great rate, can't ask for much more. Martha O. processed my loan deserves praise too for a job well done. I highly recommended this great team. Thank you so much Joseph and Team.

I had the pleasure of working with Joseph multiple times for my home and rental properties. He is very honest, professional, and quick to respond to questions. He was always able to find me the best possible interest rates, as well as able to close in record time. There was one situation with a rental property when he had to bent over backwards to finance the property due to some complications, but he worked diligently to make sure it happened in time. Many times, he proactively contacted me when the lower interest rates presented an opportunity, and I'm glad to have done business with him. I recommend Joseph for your financing needs.

I had a fabulous experience working with Mr. Joseph Chacko for my home loan. I got the best rate possible in the market and he walked me through the entire mortgage loan process professionally and efficiently. I want to thank my friends who referred Mr. Chacko to me.

Joseph has been our loan advisor for more than 7 years now. We have our 2 home loans done through him and 4 refi done on those loans. Every time he proactively calls me when there's an interest rate drop or better package available to refinance our loans. He gives honest advice based on the prevailing market conditions, loan amount, and credit history. Also gives suggestions on how to improve credit score, increase equity, wait or grab opportunity etc. He could substantially lower our mortgage payments by refinancing at right time and by doing a combination of things like reducing loan terms, removing PMI etc. Joseph was able to make the entire process easy, especially for someone like me who doesn't really follow the housing market or financial fluctuations.

I have worked with Joseph for a long time, from purchasing my home and also several loan modification. He is very competent, he talks you out of bad options and always evaluates/ brings you better option. I have referred him to family and friends and will continue to do so :)

We had an amazingly smooth and successful experience working with Joseph in the last few years We have done mortgage financing and refinancing 3 times with him so far. Two main things I would like to point out . 1) We were taken care of with the best rates the market had to offer, everytime. I always compare the rate from other sources. But each time, he gave me the best rate 2) With him, the whole process gets completed on time or before time. Refinancing is not fun but they made it very painless. He is highly knowledgeable in his field and has many years of experience. I highly recommend him

It is the question of having peace of mind for 30 yrs. on something you call 'home'. Like most of us, I shopped around for a good rate and to find someone that you feel comfortable in sharing the details of your finances that generally spills into your personal life stories. This later piece is not often spoken about in the mortgage process but is such a crucial piece of the equation - to feel comfortable which further leads to trust and more importantly, peace of mind. Joseph Chacko came highly recommended by my very close family friend. From my first call with him, it was very evident that Joseph was very knowledgeable and had the pulse of the market. Instead of fitting a client into a mortgage plan, I found out that he listens to you, understands your financial situation, and then finds financial solutions that best fit you. This was very unique in my experience with him. He is highly responsive with his follow-ups. Also, did I mention that he found the lowest rate amongst all the mortgage people I approached! Joseph and his team made the process so easy and personal. They were so efficient that the closing on my home happened 10 days prior to the due date. I am so grateful to Joseph and his team for helping me buy a house that I call 'home' now. It is my privilege to recommend Joseph Chacko for your mortgage needs!

Recently refinanced by house through C2 Finance. It was an amazing experience working with Joseph and his team. Everything was done in a short period of time, their knowledge about the process, and attention to details was wonderful. I highly recommend this team.

Joseph is absolutely wonderful to work with! Joseph was so helpful, knowledgeable, knows what is best for his clients, and always available to answer all our queries. Joseph showed great patience explaining the intricacies involved with the loan process and answering our questions in a clear and concise manner. We were happy the way the whole process went. We would highly recommend Joseph as your next lender :)

Joesph and his team were very helpful in finding me the best possible lender and rates in the current market.

It was a great and smooth experience. He and his team dealt the whole thing in pure professional manner and explained all the aspects cleanly and neat. There were also very fast in handling my case. Definitely will go to them anytime. Overall it was a great experience

I have known Joseph & Martha for last 8 years, they are professional and knowledgeable in finance. They have helped me with multiple lending and refinances. Joseph has always managed to find the best inerest rate and zero cost deals . In terms of lending documentation requiremnts - They handle underwriter and lender requests efficiently with less burden on the the buyer . Highly recommend their services.

Working with Joseph on processing my first home loan was a walk in the park. I tried going through other bigger loan institutions and they just weren't meeting my expectations and kept turning my down in some occasions. Joseph and his loan processor Martha did a great job at walking me through my financials and making sure that all my financials were in line. I must of called them 1000 times and they answered every single time. They are two very dedicated individuals that are willing to help anyone out. Without a doubt I HIGHLY recommend Joseph and Martha.

Worked with Joseph and team for mortgage processing and it was a pleasant and stress free experience. Guided us through the process and helped us get the best rate. All processing was done well in advance of closing.

Joseph and his team and true professionals. He made the refinancing for my home a very smooth and easy. He knows the space in and out and will provide you with great advice and guidance to get you be the best rates possible. He and his team are super responsive and are always available to answer any questions. He will set the right expectations so you know what to expect. He is clear in his communication and very systematic in his approach. There are no surprises and for me he was also able to give zero closing cost as well. It was a pleasure working with Joseph.

Joseph and team got me the mortgage loan with lower interest rates that I couldn't get it from popular mortgage lenders. He did my refinancing with 0% closing costs which is really awesome.

We worked with Joseph Chacko for selling our old house and buying a house. Joseph got us the best interest rates we could get for the mortgage of the new house, and guided us through the entire process of selling and buying. He and his team worked with us closely and were available to answer any questions we had. We would highly recommend Joseph and Team for new loan or refinancing needs. Thank you. Sujeet & Sreetha

I had the pleasure of working with Joseph for refinacing my primary home. Joseph offered me a great 30Yrs fixed mortage rate with zero closing cost. I did shop around bit no one came close to Joseph's rate. Whole re-fi process was smooth ... Joseph is very honest, professional, and quick to respond to questions. I want to thank my friends who referred Joseph to me. I recommend Joseph for your financing needs.

We worked with Joseph Chacko and JCLending team with the purchase of our new home in Washington. We were thoroughly impressed with all aspects of the service we got from the JCLending team. This was our second home buying experience with the JCLending team. Their thoroughness, timely communications and transparency made the entire lending process so smooth. From the pre-approval, through closing, they made every step as easy and stress-free as possible. They also worked hard to get us the best possible rate. We will definitely work with them again and we highly recommend JCLending team!

I have worked with Joseph for my loan refinance. He is prompt and patient to answer all my questions. He keeps track of the rates and lock in for the best available rate. Happy to work with him again

Mr. Joseph, Ms. Tina and their entire team have been extremely professional during every aspects of loan processing for our new home purchase on March 23, 2021. Mr. Joseph has an outstanding skill of clearing your doubts in simple language without bombarding you with all the technical jargons. Based on my experience, I would strongly recommend him and his team for all home buyers who are looking for suitable home loan.

We had a great experience with Joseph and team for our first home buying. Our realtor recommended us and we had a smooth loan approval and processing through Joseph and his team including Martha. Joseph helped us to get the lowest rate in the market through his extensive network and guided us though the process. Also, Joseph and Martha helped us to close without delay.

It was a great pleasure to work with Jacob when getting my home purchase mortgage. He was thorough, professional, answered all my questions about loan options, and got the job done, and closed escrow in 20 days.

Getting my loan refinanced was practically an impossible task. Jacob was patient enough and finally found a lender that was able to do the refinance with an outstanding rate. I would recommend him to anyone with confidence and trust.

It was our first experience with mortgage and we could sail smoothly because of Jacob. His timely updates and constant efforts ensured that we don't let go the house we had really liked. The rough weather in between panicked us, but Jacob always assured us with his support and rich experience.We shall always be indebted to Jacob for this and shall highly recommend him to anybody out there not just for securing a mortgage but also for sound financial advice.Ofcourse when we had to refinance our house in 2 years time, we went to Jacob again and refinance was a breeze.. Abhishek and Sonam, San Jose CA

I had the pleasure to work with Jacob on several occasions. he is honest with high ethics and integrity. he had always had my interest in mind and made sure I got the best deal available. I have shopped around with many institutions and with friends. Jacob was the best between all the offers. Whatever you can get somewhere else, chances are, Jacob will do better or at worst will match.Finally, I really enjoyed working with Jacob. I will definitely use him again and refer all my friends to work with him. I hope he does well as he deserves it.

We have worked with Jacob Varghese 3 times and had excellent experience each time. The latest time we worked with him, we had informed him about the rate we had in mind and he monitored it for us. When the time was right, he called us, and it was smooth sailing from that point. I really appreciated the time he took to explain the questions we had and the promptness by which he answered. He is trustworthy and honest.

I have experience working with other loan agents and Jacob stands out mainly because he provides complete details of any loan deals and never bring up any last minute surprises. I think he can pull that off mainly because of his domain knowledge and professionalism.

Working with Jacob was a great experience. Being a first time home buyer it was difficult for us to understand and make apt decisions at the right time. You have been a great support in every single situation and had explained to both of us each and every process with professionalism. Your knowledge in mortgage industry and the attention to details helped us secure a difficult loan. Thank you so much for all your support and making this whole effort so painless and convenient. I will recommend your service in a heart beat, to any one who is in process of looking for a mortgage.Thanks again, truly appreciate it!

I had the pleasure of working with Jacob this year and I would recommend him without any hesitation. My case was very unique and difficult but Jacob was very persistent and determined to get my house refinanced. He was very patient and used his extensive contacts to find a suitable lender for me to go with. The whole process was very smooth and he was on top of things. His lines of communications were open and dealt with issues like a champ. He was always there to answer my calls (even late evenings or early mornings). I definitely would recommend him and will continue to use him for any of my future housing financial needs.

I have worked with Jacob during my refinance of my Loan. He is very is very honest and responded to all my questions quickly. He was able to explain all the options available and able to close the loan in time. He is funny and professional. I would highly recommend Jacob.

I have used Jacob three times in the past. I want to express my thanks with the way Jacob handled our loan transactions. Jacob was efficient, helpful and made the process easy. We have never had such an easy time getting a home loan. The Internet Online application was really easy to use. Jacob was so helpful, after reviewing our application, he recommended the best program for us. He was prompt, efficient and, best of all, considerate. The entire process went so smoothly that I will urge friends and relatives to visit your site. (Actually I have referred some of my family and friends to him.)

I'm writing to thank you Jacob Varghese for getting my wife and self a great purchase and refinance mortgage for our Primary & investment homes. Getting the job done and as promised! That's my experience with Jacob. I would be happy to recommend Jacob for his work to anyone.

Jacob varghese made our dream of owning a house come true. We were able to own a house within a year of residency and job in California. It was stressful but Jacob made it happen. Jacob helped and kept us updated on every documentation needed by the bank. We were able to talk to him even after business hours to clear our doubts. Thank you Jacob for everything once again. Good luck.Regards,Jaimon Mathew & Family.

Jacob was prompt, professional, and courteous. He was patient and thorough answering all of my questions. He kept the ball rolling and the process was completed in the time frame promised. There were absolutely no surprises at settlement. An excellent job.

I shopped around and Joseph gave me the best rates. Not only that, unlike my previous lender, Joseph explained to me in detail the entire process. He is very knowledgeable in this field and guides you through the entire process. He always responds promptly and patiently answers all your questions. I have recommended Joseph to many of my friends after my great experience.

Extremely satisfied to work with someone who is keen to help and close the loan. Working with a knowledgeable mortgage consultant is an important step in home buying or refinancing process. Your unique needs and situations need to be addressed while looking for the best rates for a loan. Joseph Chacko got introduced to me as a reference from my friend who was happy with his refinancing needs. Now I am happy to refer him to all my friends with confidence that he can provide you with the best options out in the market. Thanks again for your service

Joseph has helped me refinance my home twice at the best ever rate possible. I had a lot of queries as a new home owner and he patiently answered all my questions and clarified all my concerns with up-to-date and relevant information. He also proactively contacted me when the interest rates fell lower than my existing rates and successfully closed on the refinancing in minimum time. Truly recommend this guy. Very trustworthy and very knowledgeable. He knows what he is doing :-)

I had an awesome experience with Joseph and I have recommended him to all my friends and If I have any other opportunity in future I would only go to him for Home finance or refinance. He was very helpful and always treats you as a family member and makes sure you have complete information while you work with him. He is very honest and makes you have a WIN WIN deal. I am extremely satisfied with him and his professionalism. This is was my 2nd refinance after I bought the home 3.5 years back and this was the best deal, best experience and best team to work with. I strongly recommend him for any one who is looking for fiance the home or for refinance. Many Thanks to him to get me the best deal available at the time.

It was a good experience with Joseph Chacko as he has exceeded the expectation on my refinance. He was really helpful on deciding the loans and other factors

He is the best in the industry. I refinance with him a couple of times he knows what he is doing I referred so many people to him they all were very happy.

Joseph helped us with our initial home Purchase loan few years back and was happy to use his service again on our new home purchase we just closed. Joseph was initially referred to us by a family friend who availed his service and recommended to us that we reach out to him to get the best mortgage advise. I contacted him when I was ready for a loan preapproval, and he responded immediately even though it was past working hours. This was the type of service that my husband and I received throughout the process. Joseph took the time to break down the differences between different type of loan programs including FHA and conventional financing, and explained to us our options when it came to interest rates. Joseph presented me with several options and we discussed pros and cons of each. He was quick, thorough and good at explaining the loan process start to finish and updated us periodically. Both our homebuying experiences were seamless and flawless and they were by far the best experiences we have had to date with any person in the mortgage industry, Joseph is a true professional with extensive knowledge about the mortgage industry. He is thorough and responsive and no questions went unanswered and was timely in his responses as well. I would highly recommend Joseph Chacko to anyone looking for a home loan.

We had a great experience refinancing with Joseph. What was exceptional about him was that there were no hidden costs and what he promised in the beginning was what was delivered. The closing process was smooth. He really knows what he is doing.He went through all the costs that were included in the mortgage and everything was transparent and fair. In fact he offered us better value that the current refinance options. Can't say it enough that he stuck to his words. Will surely recommend to our friends.

I have worked with Joseph Chacko three times in the past. The most recent one was for refinancing my current home. My experience working with Joseph Chacko was a pleasure. He was completely upfront about the costs and whether the refinance made sense financially. Joseph is a very nice person. He is honest, very reliable and is very concerned about his customers. I think he goes above and beyond his duties. I am very proud to recommend Joseph to anyone. I will not go anywhere else for mortgage financing.

Joseph was great in helping me through my home buying process. He is knowledgeable, responsive, and committed to ensuring his clients get the best product possible to suit their lending needs. He answered all my questions, made sure I understood all the processes.. I would highly recommend him to anyone looking for a great deal.

My experience with Joseph has been extremely good. He obtains the relevant information and walks you through the process systematically and professionally. Provides all the available options on the table based on your financial strength, credit-ratings, your pay-back preference, on the length of time you plan to own house and numerous other tangibles and intangibles. You can freely discuss the pros and cons for all the options and he helps you choose the right one for you and your family. He maintains contact even after the process to inform you about market rate fluctuations. Without his timely-information and guidance, I wouldnt have re-financed. Refinancing and the time at which it was done, has helped me save tens of thousands of dollars. Joseph's rates/options are typically the best but if there's some bank offering better options, Joseph manages to beat/match competitor's rates and at the same time provide you a better/smooth experience of your process. One of this strengths is he conveys information precisely and in a way you can understand. Never have i felt burdened by the technical terms used by most other lending officers that usually tends to confuse/convolute the picture. Joseph's communication is the best and also he is available all the time, outside office hours as well as weekends. I have never thought twice before calling him and he never even once complained. I strongly recommend consulting Joseph for your home mortgage/finance and you'll not regret. In summary: Joseph and all this team are very professional, competitive and provide you the best home-buying experience from financing stand-point.

Joseph helped me on my somewhat complicated refinance where I was merging my two loans into one loan as part of refinance. With complicated tax returns over last two years, there was so much paperwork needed as part of my refinance. Joseph made the process so easy. He would even help type the documents and leaving me just to review and sign. Needless to say, Joseph gave me the best rates in the industry and made it completely zero cost to me. He was always available over phone and e-mail whenever I had any question throughout the process. I would highlight recommend Joseph to everyone – you would get the best rate, trustworthy professional and good friend for life!

I personally know Joseph Chacko for last 12 years since 2005. Our business relationship started in 2007 when I started looking for a home just after being 2 years in US. I had NO clue about the process of buying a home just like many of us who are new in US but I wanted a home which we could afford. Joseph was very helpful and made sure that I was getting into something I could afford and appropriate. I can say that he is honest and makes you have all necessary information and questions answered before you finalize the deal. I was extremely satisfied with him and his professionalism. I strongly believe that when you are in a situation where you need help, it is better to have someone help you, who knows what he is doing and talking about. I consider Joseph Chacko as such a person and completely trust him. That is the reason I went back to him to refinance my house in Dec 2016 which was again an extremely great experience. For anyone looking for a great loan officer, I strongly recommend Joseph Chacko because I know he can help you to achieve your DREAM.

Joseph has been extremely helpful in the entire Loan process, he was excellent in communication & could answer most of my queries. It was really easy to work with him, though process took little longer then expected but he could get me the best deal I needed.

I have refinanced my house twice with Mr. Joseph Chacko and have referred him to several of my colleagues and friends ( who in turn were very happy to have dealt with him). He always gives good rates and above all...Zero closing costs (BIG savings). I would love to recommend him to more people.

I have worked with Joseph for refinancing my house 3 times. He has always provided the best rates and no issues in closing. Closed always on time or before. i have recommended Joseph to multiple friends all of them always have a very good experience and thanked me for recommending Joseph.

I have done several refinances through Joseph. I have found Joseph to be very knowledgeable about mortgage industry. Joseph is always ready to explain things and provide detailed information, and answer any question you may have. Joseph is also very professional, prompt and responsive on phone calls and emails. Joseph also finds you best rates and looks out for his client's interest. I would highly recommend Joseph for any mortgage needs.

Joseph was very friendly knowledgeable. He explained everything thoroughly and always calls me back promptly. He helped me with several loans over the past and I felt like he is pretty straight forward.

Joseph is very knowledgeable, detailed and experienced. We have used his services multiple times (Purchases & Refinance). He answers all of our trivial questions about purchasing a home. The closing processes were always smooth. We highly recommend Joseph and his team.

Joseph has been a great lender. He is well aware of the overall loan process and very knowledgeable in loan and escrow process. I was fairly new to loan process and escrow, Joseph quickly displayed an ability to clear my understanding on loan process. During loan process, He was quick in providing any help and approachable on phone/mails. With his proactive work, we were able to close the escrow on time. I am very satisfied with his services and would definitely recommend him to my friends and colleagues.

Joseph is truly an expert and got us the best rates in the market. He's easy to reach and was very helpful in advising us when we were first time home buyer. He helped us understand all the processes involved in obtaining a loan and guided us in the right direction. Thanks, Joseph !!

I am first time home buyer with zero knowledge on the mortgage process. My friend referred me to Joseph, that's the big milestone in the loan process. Joseph explained me all the options in detail, patiently answered my silly questions and helped me in picking the optimal option for more savings (undoubtedly). He is extremely friendly with solid knowledge and available anytime to talk. He was with me throughout the loan process and closed swiftly. I strongly recommend you to Joseph (you do not need to waste your time on analysis, he will give you the best options, simply go with Joseph and save your hard-earned money) for your new purchase or refinance needs. I am looking forward to working with Joseph for my future mortgage needs.

I got very good service from Joseph. There was some point in time during the loan process that I lost my hope in getting home and loan on time. Only because of Joseph involvement on time time and his valuable information removed all obstacles. I loved his friendly approach to explaining my questions and I recommend him to everyone in need

I just did refi for my current house with Joseph and he did amazing job. There were few obstacles during the process but he and his team helped for everything and completed the process. I will definitely use his service in the future for any loan-related work

Excellent team of professionals. Loan was clear to close quickly and communication was excellent. He not only made the process smooth but he gave great wisdom and advice which was appreciated. He was also on top of things and kept us in the loop with everything and always responded right away. Most importantly, his rates are consistently competitive or better, and the service his team provides is extremely fast and friendly. We would HIGHLY recommend.

We had awesome experience in closing the Loan with Joseph . He recommend changes which helped us save upon the closing interest. Provided us with great rate and handled all the paperwork with ease.

I used Joseph several times in the past for our refinancing needs. Honest, reliable and quick. All our refinancing were done in a timely fashion. You do everything electronically with him and you never have to go somewhere to sign papers. Just before closing, he will arrange for Notary to come to your place and get all the work done.

I have Used Joseph for two of my closings. On both instances process was really smooth and less painful. Got me the best rates possible and was always thinking what was best for me.

Joseph has been our loan advisor for more than 7 years now. We have our 2 home loans done through him and 4 refi done on those loans. Every time he proactively calls me when there's an interest rate drop or better package available to refinance our loans. He gives honest advice based on the prevailing market conditions, loan amount, and credit history. Also gives suggestions on how to improve credit score, increase equity, wait or grab opportunity etc. He could substantially lower our mortgage payments by refinancing at right time and by doing a combination of things like reducing loan terms, removing PMI etc. Joseph was able to make the entire process easy, especially for someone like me who doesn't really follow the housing market or financial fluctuations.

First of all, let me say that the service provided by Joseph was exceptional. With his help, I was able to explore the loan options that I have and was able to select the most affordable loan plan. He is always available to answer any questions regarding the loan and provided accurate information. When you have to make tough decisions about finance, such kind of assistance is essential the make the right choice. We were able to complete the entire process in a timely manner. Therefore I strongly recommend him for him for your mortgage needs.

Joseph Chacko processed multiple home refinance loans for us during the past few years. He is an experienced professional from start to finish and extremely competent and service oriented. Joseph has jumped through numerous hoops and overcome obstacles to close our loans. I would HIGHLY recommend him. He walked me through each step of the lending process and explained every single document. Thank you Joseph.

Joseph Chacko got me the best rate. I sent him all the documents by email and he made it very easy to refinance my loan with no closing cost! Thanks to Joseph Chacko.

Me and my husband just bought a home. Joseph is an outstanding loan officer. Joseph has always explained things very well.He was patient and thorough answers to all our questions. The process was completed in the time promised and there were absolutely no surprises at settlement. He was just amazing!

I know joseph from 2014, since i bought the house in Arizona. He was helpfull all way in the mortgage process and also in the refinancing process later when i decided to refinance.

Joseph Chacko and team helped with my refinance. Not only did he give me the best rate I could find, he also walked me through the loan information in detail so that I had no surprises at the end of the process. His team was also very quick in terms of closing. I highly recommend Joseph Chacko for your mortgage loan/refinance needs.

Joseph has been our lender twice, once for our house purchase and once for refinance on multiple properties. It was a pleasure to work with Joseph. We had a very strict timeline to close and we were heavily reliant on Joseph's commitment. He delivered exactly as promised and was easy to work with, responds to our calls and walked us through the entire process.

Joseph was tremendous in the service he provided when we went to him in need of a home loan for our new purchase. Everyone else told us that our situation would not allow us to purchase another home for our family and he was the only one out of many that said it could be done! Mr. Joseph’s hard work and dedication to our loan with honest professionalism paid off in the end and enabled us to get into our dream house. If anyone out there needs a real expert on the home loan process, Joseph Chacko is the person to talk to. Thanks so much for your effort in making our family’s dreams come true.

We have worked with Joseph and his company for 3 years now and they are very forthright and helpful . He has always been honest and give us very good prices in the current market. Will definitely recommend him and his team to get the work done in a timely and fast manner.

He is very good and knowledgeable in his line of servive. This the second time we are using Joseph as our lender. He has walked us through every step efficiently. He has pointed us in the right direction. He has answered all the questions in a timely manner. We would recommend Joseph to anyone who is looking for a professional lender.

We had a great experience with our first home purchase. We were able to close in couple of weeks as we had an issue with the existing lender. We got the best rate and the closing costs were lower than expected. Highly recommend Joseph. Thank you!

Working with this team was a real effortless process. They clearly outlined the documents that I needed. If they were waiting for paperwork or other things from me, they would let me know by email immediately and then follow up with a call if I did not respond to make sure that I did not miss the email. Compared to all the rates that I have ever been able to find including the ones listed on other popular mortgage rate comparison websites, I got a better deal through Joseph. Closing was a breeze. He was up-front with all the options available for my situation and in cases that did not benefit me, he clearly called those out.