What Our Clients Say…

If you’d like to share your experience with us. Please send us a message through our contact us page.

Adrian, Ann Marie, & Amari - Sacramento, CA

Sofia was recommended to us by a friend who had recently refinanced with her, and I’m very glad we took the recommendation. Initially we wanted to refinance two homes, but in the middle of it all we decided to sell one home and purchase another. Sofia didn’t miss a step and assured us our sudden change of plans would not be a problem. Sofia is very knowledgeable, collaborative, and always made time for us when we needed it. She guided us through the process for each home, made both transactions very smooth, and she locked in rates we were very happy with. The team she put together was also great to work with and I would recommend Sofia to anyone wanting to work with a professional who really cares about their clients.

Maria G. - San Jose, CA

When I decided to refinance I had a few different options/people I worked with in the very beginning. After doing my research and speaking to the different brokers, I decided to choose Sofia because she was very responsive, explained everything very thoroughly and got me the best rate. She asked for all the documents that were needed, I emailed her everything, she worked with the notary, lender, appraiser, title company step-by-step. It was such a smooth transaction and she was so respectful and kind. Thank you, Sofia!

Tiffany, Leo, Lucas, & Ocean - South San Francisco, CA

Sofia helped us purchase our home five years ago and recently helped us re-finance. She is so thoughtful in her recommendations providing my family and me with the insight and knowledge to make informed decisions. She is so patient explaining details that were challenging for us to understand. We appreciate and trust Sofia so much having all the knowledge and experience in real estate/mortgage!

Tony, Lidia, & Tiago - San Jose, CA

This review was hard to write because I feel like it’s hard to put into words how much we loved working with Sofia. My wife and I just had our first baby and as our family grows we are setting the stage for the future with a goal of moving into a new home. In the first step of this journey we refinanced our current home and used Sofia as our broker. It was the best customer service experience we’ve had. Sofia made us fell like family and through the entire process took the time to explain each steps; not only telling us what we needed by why. Creating trust. She was compassionate and patient with us as we went through some periods of no contact because life was just so crazy with a new born, a pandemic and work. Through it all Sofia guided us and nudged us with a gentle push along the way. In instances even contacting a lender directly to help mediate an issue that was causing a hold up in the process. Which turned out to be the banks fault. Everything was organized into the website where we could upload documents securely and when it was time to close the notary Sofia selected worked around our schedule was punctual and professional. We feel a sense of confidence as we continue along our journey and when the time comes to the steps into a new home we will come right back to Sofia for her service. We couldn’t be happier! Thank you, from the Saraiva’s!

Juan R. - San Bruno, CA

Sofia is very knowledgeable in what she does. My wife and I were at ease as Sofia walked us through our refinance process. She makes sure you are able to get the best rates. We just referred her to our neighbor because she is the best at what she does. I will continue to refer her to friends and family.

Brian N. - San Francisco, CA

Sofia came highly recommended to me from a trusted friend. I have had terrible experiences with loan officers from the big banks and mortgage brokers before so was hoping this would be different and it was! I am very particular with people who I work with and have high standards for quality of work. Sofia easily meets the high expectations: she has excellent communication, very knowledgeable, and efficient with getting me through the process as smooth and painlessly as possible. I will definitely be going to her for future lending needs and recommend her to anybody looking for a mortgage broker!

Ben & Miaoling - San Francisco, CA

Sofia helped us refinance our home last month and we could not be happier with her service and the rate she secured for us! She is very friendly and got the refinance completed for us very fast. She answered every question we had and made sure we were comfortable with everything when it came to signing. She is definitely the gold standard for the industry and we wish all of our business partners work as hard and tirelessly as her!

Pam V. - Auburn, CA

This was our second time working with Sofia on a loan financing, but this time it was for the purchase of our dream vacation home!  Sofia, as always, was nothing short of amazing. As a long-time friend, we already knew she was dependable—but going through this process again with her really reminded me just how knowledgeable, patient, and incredibly reliable she is.

From start to finish, Sofia was there—answering every question (even the ones I sent during my sleepless nights!), offering expert guidance, and always ensuring there were no surprises along the way. I trusted her completely, and she never let me down. Honestly, without her support and advice, I’m not sure we would have felt confident enough to move forward with this huge life decision. She took what could’ve been a stressful process and made it feel manageable—and even exciting.  

She was our sounding board throughout the entire process and I can’t thank her enough for everything she did to help make this dream a reality. I would recommend her in a heartbeat to anyone looking for someone who truly knows their stuff and always, always shows up.

Ted K. - Portola Valley, CA

The favorable evaluation of your professional mortgage banking services was provided by us in connection with the lender survey sent to us for our post-closing review of our mortgage application process. Thank you for your amazing work.

Karen Y. - Los Angeles, CA

My husband left you a sterling recommendation, as we were quite impressed by your professionalism and quick responses during this long process. I appreciate these last steps of making these documents available for our computer files. I wanted to thank you for working at all hours (judging from the email time stamps!) while juggling your family. We may not have much contact in the future, but we appreciate the time you’ve spent on us as clients and hold you in high esteem. Most sincerely, Karen Y.

Marcus T. - San Jose, CA

Sofia was very personable and worked with our unique situation to get us a fantastic rate and smooth closing. Highly recommend her to anyone looking to refinance their home!