JC Financial

Josephine was a pleasure to work with, and definitely went the extra mile for us to help my husband and I get our financing in place for our new home in Danville. Given her real estate background, she was able to give us good advice about things we weren’t even thinking about (I was supposed to change jobs before we closed, and casually mentioned it to Josephine, who warned me that our financing could be affected if I was not with my long-​time employer on the day of close. I will be calling Josephine again to work on a refi!

Jospehine did a great job helping us navigate the mortgage process and helped us secure our loan for our new home. She came directly to us, explained everything carefully and was very responsive. You can tell she is a professional and very good at what she does.

Josephine is the best mortagage broker I have ever had. I needed to close a loan as soon as possible. Josephine was able to close the loan in 18 days, faster than the direct lenders! The whole process was very smooth and Josephine was very professional and responsive to every question I had.
JC Financial is the BEST!

JC Financial is a straightforward and competent firm for re-​fi and more! Think your situation is uniquely challenging? Unclear about your options? Need advice to guide you toward the optimal plan? Appreciate people who are reliable, with the experience to execute confidently? Josephine and JC Financial offered all that for me with a clear, understandable strategy to get the job done. Very satisfied.

Josephine is the person to go to for all your home needs, from selling your home, re-​financing, buying a new home, and getting the home loan for that purchase. She provides full realtor and financing services. She’ll work really hard for you and in your best interest!

We were referred to Josephine by our best friends from Wharton. My wife and I have busy careers and have gotten mortgages and refinancing before. We wanted to work with someone who would get the job done fast and efficiently. Josephine was a perfect fit. She was on top of our refinancing process throughout. The final rate, costs, and timing came out exactly as she had indicated at the start, and was better than the banks and credit unions we had shopped independently. We had her refinance our house a second time when rates dropped. That also went smoothly. We are in southern CA and worked with her entirely through phone and email.
We continue to refer our family and friends to Josephine when they are thinking about a mortgage. She has helped my sister with three refinancings with similar success.

Josephine, founder of JC Financial, is a first-​rate mortgage broker who goes to great lengths to help her clients. She is head-​and-​shoulders above all the other mortgage brokers or bank loan officers I dealt with.
Several months ago I decided to get a home equity loan because of the low interest rate. I contacted several brokers before Josephine, but none could help me. Some tried hard sell. Some had trouble because I had a private mortgage. Others wouldn’t because their computers gave a very wide range for my home’s value.
Josephine was different. She and I discussed in detail about my mortgage and my reasons for wanting a home equity loan. She also visited my neighborhood, saw my home and neighbors’, and estimated my home’s worth herself. Once she had all the information, she put together several options for me. In addition to the home equity loan, she suggested arrangements that would lower the interest rates on all loans.
However application was interrupted by my yard renovation, but Josephine managed to defuse that problem. The project was for a total renovation of front and back yards and couldn’t be rescheduled. Sensing mortgage rates were rising and project would take longer than projected, Josephine suggested me to extend the rate lock for as long as possible. She also rescheduled the appraisal to just a week before rate lock expiration. Meanwhile, she pointed out areas for the contractor to focus on, so the appraiser saw an orderly project on the way to completion and not just piles of rocks and dirt.
Amazingly, she also found a way to cover the fees for the rate extension.
All in all, working Josephine was a great experience. I recommend her highly to anyone looking for a mortgage broker.

I don’t know where to start. A couple of years ago, after my wife and I got married we both had it in our heads that we needed to get a house (more so her, but she ended up being right). We met Josephine through our realtor Jeff, and honestly I’m so thankful for this.
Josephine was absolutely ESSENTIAL in our home buying process. Josephine was always extremely helpful (often at all hours of the night) in answering any questions or concerns we had. She is an extremely hard worker, and I really admire that about people we do business with. I had a hard time writing «people we do business with» about Josephine though, as it surely didn’t feel that way. Josephine was always a pleasure to speak with, and was more like family by the time we signed loan docs.
I would 100% recommend her to anyone (and I have recommended her to several friends and coworkers already). I know they will have just as great of an experience as we did. I know the next time we go to purchase a home later down the road, exactly who I’m calling. Thank you again for all of your hard work Josephine!

Josephine was awesome to work with. I got exactly what was promised and within the expected timeframe. Great person to work with.

JC Financial made my first-​time home buying experience a breeze! Even though the home we purchased is in San Diego and not the Bay Area, she was in constant communication, answered all of our questions, and made sure everything got taken care of. I feel like I don’t even know the extent to which JC Financial worked behind the scenes, because our final loan documentation was perfect (no errors or even typos), we got a great rate, and I didn’t have to do anything! Also, we beat our 30-​day close deadline by a few days, so she was extremely quick and efficient. I’d highly recommend Josephine and JC Financial to anyone who is looking for a new or refinanced mortgage.

Josephine got me a loan for an 3 — unit investment property with the lowest interest rate. She was fast in helping me close escrow. I highly recommended her if your planing to buy a new home or investment property.

SO YOU WANT TO LOOK FOR A GOOD LOAN OFFICER? I would like to take this opportunity to share with you my personal refinancing experience. I have refinanced 8 times on my primary residence, and the last 3 have been with Josephine, so I know when I recognize a good loan officer. What an amazing lady!!! She is extremely EFFECTIVE. What I am really saying SHE IS FAST and VERY GOOD IN WHAT SHE DOES. Also, she just helped me to refinance my investment property which ran into some underwriting issues, but she tackled them. I ended up saving $ 500+ per month. More importantly, I was able to count on her to honor the interest rate and closing costs that she quoted me along with getting the job done fast.
By the way, she also helped my brother who was going thru divorce at the time, and no one else could help him. Again, Josephine did it. My brother to this date is very grateful to have Josephine helped him with his refinance.

Josephine got me a great rate on refinancing my home that no one else seems to be able to match. Everything went very smoothly and painless the first time. Amazing service and efficiency. Since then, I recommended Josephine to several friends and they all thanked me after their closing. Thanks Josephine for all your hard work!

I’ve worked with Josephine twice now, to re-​fi my home. She is amazing! She makes the whole process stress free and really easy. She goes above and beyond to get the process done well and completed on a timely manner. In addition to her expertise, she is very kind and all around nice person. I tend to ask a lot of questions and scrutinize all the documents I receive and sign. She is knowledgeable and gets you answers quickly. She was very patient with me and always made me feel at ease. I was able to reach her via email, text or phone. She makes the whole process very convenient.
She was recommended to me by another broker and I am glad he did. She’s great and I would recommend her to anyone!

I wholeheartedly recommend Josephine/​JC Financial for your financing needs!
Josephine has helped us refinance our mortgage several times in the last few years. Each time around, it’s been a breeze. Not only did she get us the best possible rates, she guided us through the process and promptly got back to us whenever we had questions. She is a thorough professional. We found her to be very knowledgeable, diligent, sincere and *extremely* dependable.
Should we need to refinance again, we’ll definitely go with JC Financial without any hesitation.

i worked with josephine remotely to get my condo refinanced. she made what could have been a painful process very easy and convenient!
josephine is pretty awesome — we got a great rate, and the process went super smoothly on my end because she took care of all the hard work, research and annoying parts!
josephine is very fast, responsive, and on top of it. i highly recommend her and would employ her services again in the future.

Josephine helped us with an FHA streamline re-​fi about a year and a half ago. It was a tricky time because the FHA rules were changing regarding PMI/​MIP. Josephine went out of her way to make a spreadsheet with the numbers in order to help us decide which was the smartest financial move. She is incredibly smart and knows a lot more than just the mortgage business! She made it clear to us that she was in business to help people; that statement definitely held true in our dealings with her.
I wouldn’t hesitate to use her again — in addition to her intelligence and customer service/​communication, she secured us an awesome rate. She’s the best mortgage broker I’ve worked with.

As a Real Estate Broker for Prudential California Realty, Josephine really stands out as someone I would recommend to all fellow Realtors and clients. She really gets the job done right and you can tell she enjoys what she does.

A friend of ours recommended Josephine. She evaluated the opportunity for us to refinance (we had refinanced already only a few months prior) and actually gave us an honest answer — we were right on the line in terms of the amount of effort we’d have to put in versus the dollar benefit we’d get. We went for it, and found Josephine to be a prompt, clear communicator. She got us a great rate. And she was just … on it. She got the refinance done so quickly and so thoroughly. She made the folks that did our prior refinance look like turtles. I’d recommend Josephine to others and would go back to her myself should we ever have the opportunity to refinance again.

We have now done 3 refinances with Josephine, including a problematic one at the Beacon, a condo here in San Francisco. Each time, she has gotten us a great mortgage rate and set us up with excellent personal service. She takes the time to answer questions and lays out all the options, and she has a great instinct for knowing which direction the rates are going. I couldn’t recommend her enough, actually– she is someone you can trust in an industry that can be a bit sleazy.