Ascend Financial Mortgage

Mike at Ascend was recommended to me for the refinance of my home. The total process was seamless and the quotes provided were on target, no hidden costs or adjustments. He kept me in the timeline that was advised. I would recommend and definitely do business with again!

We had a great experience with Ascend. Having gone through the mortgage loan process before I know it can sometimes be a real headache. Mike made the process so simple that I hardly remember doing anything. When we were ready to apply I visited his office and was in and out in 30 minutes. He had the notary visit my office to take care of the final paperwork at closing which was really nice. He worked out some great credits for closing as well which saved us a lot and we really appreciated that.
Mike also represented us as a buyer and seller real estate agent. I wasn’t sure if this was a good idea before meeting with him but I’m so glad we did as he did a wonderful job there as well and it just saved so much time and pain in the end.
I’d happily recommend Ascend for anyone looking to finance or refinance and hope I get the chance to refinance with Mikes help in the future.

We’ve refinanced with Michael, a couple times in the last several years. Every time we don’t think rates can get any better, then they do. Every time has been smooth and easy. Michael takes care of everything.

We had been looking at refinancing through our existing bank but the process and hoops they put us through were extremely painful and time consuming. I found Mike at Ascend and he was fantastic! His initial assessment was very accurate, his lenders are extremely competitive and the whole process was clean and fast.
I would definitely us Mike again and would not hesitate to refer friends and family.

Ascend Mortgage deserves a 10 out of 10 stars!!! Mike, Owner/​Broker, was awesome. As first time home buyers, the process of buying a home can be extremely confusing, but Mike made the process smooth, simple and easy to understand. He not only jumped through hoops to lock us in at the best rate, but kept us informed on a daily basis, multiple times a day in fact, on the status of the loan and other info needed to ensure we could close on the property in 30 days.
He is extremely organized, professional, and more importantly follows through!!! When we had questions and/​or concerns, Mike always responded in a timely manner with honest answers and great advice.
My wife and I are truly lucky to find Mike and Ascend Mortgage. We now have peace of mind when it’s time to refinance or purchase our next property. I would recommend Ascend Mortgage to anyone looking for a mortgage loan or refinance.
One more advantage to consider… Mike is also the owner of Arise Reality, and represented us when purchasing our new home. Check out the reviews for Arise Reality. Thanks again Mike!!!

Ascend Mortgage was referred to by other family members that had success and was one of the best decisions I have made regarding the home buying process. As a first time home buyer I had tons of questions and concerns. Rest assured Mike provided quick, almost instant responses to my e-mail’s and phone calls which was very helpful throughout the process. The pre-​approval process only took a a day or so and Mike was on top of it from the start. I would highly recommend Ascend Mortgage and will definitely be utilizing there services in the future.

Michael at Ascend Mortgage was great! We found him through word of mouth by a friend of ours who highly recommended him, as we would do the same for our friends. We recently refinanced through him and he was able to get us a great rate. He is very professional and efficient. He was able to answer any questions we had right away via email at all hours of the day; mornings, nights and even weekends. With our crazy schedules, he was able to set up an appointment with the underwriter to come to our house at 10pm! We appreciate this effort very much!
Michael is also extremely knowledgeable, as mortgages are extremely confusing for most of us :) He does a great job organizing and outlining all costs of your loan in an easy-​to-​read & understand front cover page of your loan documents. Everything can also be read and emailed to you online. Very convenient! Thanks to Mike, this process of refinancing can be done easily! :)

i went through a refi a few years ago and now that home values are up and rates are relatively reasonable, it was that time again!
i contacted mike based on the Unilocal reviews and thought this is too good to be true. FALSE — he is just that good!!! everything he said he would do was done and we closed in record speed. his knowledge, experience and professionalism immediately saved me hundreds of dollars and in the end it’s much more than that :)
during our 3 wks of working together i called often (sometimes waaayy to often) but Mike never made me feel as if i was a bother, clearly explained questions i had and delivered on every promise.
i’ve already recommended him to family + colleagues and certainly plan to utilize his service again without hesitation.

If you are looking for a mortgage loan or to refinance an existing loan then Michael is your guy! Michael is highly experienced and very professional. He kept us well informed throughout the process and secured an excellent rate for us. Michael is very accessible and was very responsive to our emails or phone calls. The whole process was truly effortless.

We went to Ascend to refinance. It has been a while since our last refinancing and was a little rusty af first. Mike got the paperwork rolling immediately and locked in the rate. This is one of the things I appreciated was that the rate was locked in for 45 days (vs. 30); Mike Youssef made the decision to just do that to give us more time in case we needed it. That’s what I call good customer service call!
Mike was on top of our refinancing process throughout the whole time and at some point had to apply pressure when the Lender was lagging on the timeline. I would definitely refer Ascend to my friends and colleagues.

We had the pleasure of working with Mike for a couple of years now and he has been given us great advice. When the house market crashed he was able to short sale our home before it became foreclosed. Now we have been lucky to buy a new home with Mikes professional knowledge, especially in this competitive market we are in. Mike has answered all our questions, addressed all our concerns and has always been quick to respond. He has provided us with useful tools to find our dream home.
We can’t thank Mike enough for having been so patient with us and guiding us every step of the way in our short sale and buying our home.
We would highly recommend him to anyone that is buying or selling their home!

Refinancing is usually a daunting process for me, but working with Mike @ Ascend has made the whole deal as one smooth transaction. He is thorough when addressing my questions and concerns. He keeps his word which has earned my trust and confidence! I am one satisfied client, and if you ever need a loan broker, you are rest assured Mike will get the job done for you in a professional efficient manner.

I had so many reservations about going through a refi and didn’t know what to expect. Michael Youssef at Ascend was so patient and knowledgeable that the process was pretty painless. He and Kricket were both very thorough and Mike always looked for the best rates possible for us. Even when it meant waiting a few months and following up with us when he found a better plan. If you’re busy, he’s great at working with you online so you don’t have to spend a lot of face time in his office. As a busy parent, I was appreciative of that detail. I would go back to Mike in a heartbeat and will absolutely recommend him.

Michael at Ascend Financial Mortgage is AWESOME!!! Professionalism from beginning to end. Mike listened to our needs and over delivered. He found my family a beautiful home. 6 months later we re-​financed. The whole process was smooth and easy.
Mike is extremely knowledgeable not only on the Lending industry but also on the Bay Area markets. Michael is my go to guy for all my mortgage/​re-​fi needs.

We have been in our home since 1998 and re-​financed about 7 times since then. This is the best experience I’ve ever had with a mortgage broker. The reasons I had a great experience were the short timing of the whole process, great communication with the owner (Mike) and the comfort in feeling I could trust his knowledge and integrity. Mike is now my go to guy for any re-​finance processes. If you’re thinking about re-​financing call this guy now…

As a first time home buyer, the entire process would have been overwhelming. But… Mike (who I believe is the owner, but also is the agent/​broker) was a complete professional. He really treated me like a friend throughout the experience. He explained every detail in layman’s term so my wife and I would understand.
More importantly, he was very knowledgeable in the peninsula area, which actually led me to a home we bought in San Carlos. (we couldnt be more happier with the location).
If nobody knows… today’s market is soooooo competitive in the peninsula right now. I truly think Mike was the reason we got the place, based on an offer he had to present to the selling agent. We were able to get in super early to present our offer, and got the house!!!
Even when the lender took a few extra days to close, he went above and beyond to ensure I was taken care of with my living situation.
I’m actually in the process of re-​financing already, which is why I am writing this review. Mike called me to let me know I could save $ 300/​mo based on the rates today, versus what I had back in July. I know he probably makes commission, but this kind of pro-​activeness to help us is really admirable.
I would specifically recommend Mike from Ascend for loans or as your real estate agent.

Just completed a refi with Michael at Ascend Morgage and everything went really well. Got a fantastic rate on a 15 year loan and ended up paying nearly no fees. Everything went smoothly and I’m we are saving money with the new loan. I highly recommend Ascend!