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October 2023 by Amber L.
Josephine was a bright light in a very difficult process. She is incredibly knowledgeable, and not only does she complete and achieve what you ask of her, she goes above and beyond and anticipates other issues down the line. She provided suggestions about how to structure my loan, and was very fluent in the entire process. The realtor and title company were incredibly difficult, with a process riddled with mistakes, and directly going against my requests. Josephine was the one bright light -- she was incredibly adept at maneuvering and pivoting around these mistakes from the other parties, and still helping me competently finish. She moved mountains, and got me the lowest rate possible. I understand she also has her realtor license. While i didn't utilize her services in this area, I think without a doubt she'd be also incredible in that area too. I can't sing her praises enough.
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January 2022 by Frank Y.
I am a first time home buyer and she mentioned she loved working with younger people. We have pretty limited budget but we are still able to find a suitable habitable space. Her experience also made our team stand out at the bidding process. Lock down pretty decent interest rate in 2021 before Fed took action. Superior service. One of strongest and best agents out here in East bay, or in North Cal.
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January 2022 by Bryan L.
Josephine is simply unbelievable to work with!!! Over the last 9 years, I've worked with her on all types of transactions, including new home loans and refis as well as home sales and purchases (yes, she's a real estate agent as well), and every single experience was absolutely top notch. This was accentuated even more in my most recent home purchase. The process was so efficient and smooth that I had to repeatedly ask her if I'm missing anything or If I need to provide any additional documentation for the loan because I was recovering from PTSD after a horrendous experience working with a big bank to get a home loan one year earlier (when only big banks were able to offer jumbo loans for reasons I don't fully understand, which is why I couldn't work with Josephine on that one). Additionally, Josephine locked in such a good rate on the loan that even the notary was complimenting us on it. I look forward to partnering with Josephine on many more transactions!
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December 2021 by Shohreh F.
I lost my husband due to sudden heart attack and I was so overwhelmed with all unexpected financial responsibilities I faced. Josephine kindly helped me through refinancing my home with a best rate. She is very professional, knowledgeable and caring. I truly appreciate all her support and expertise helping me through this difficult time. I genuinely and strongly recommend her to all looking for a professional real state or loan agent.
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October 2021 by Alan L.
Josephine helped us with several home mortgages and refinances in the last few years. She is knowledgeable, honest, efficient and very reliable. For our most recent mortgage transaction, she thoroughly went through all the options with us, patiently answered our questions, gave advice with full transparency and came up with creative solutions to get us the best possible rates. In addition, Josephine was timely with her communication and kept everything on track to ensure the time frame to close was met. Most importantly, she had our best interest at heart and definitely alleviated much of the anxiety from what was already a stressful process. We highly recommend her top notch service.
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September 2021 by T H.
She is sharp and knows all the tricks of the trade, highly recommended for loans or real estate purchasing.
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September 2021 by Bobby N.
I will definitely recommend her to you if you need a knowledgeable, professional, and efficient real estate and loan agent. As a first home buyer, I encountered a lot of issues during the process and thought I had to give up. Josephine not only solved the issues for me but also did extra work to follow up on the purchase. From bidding to funding, she provided a lot of valuable suggestions that make the whole process very smooth. She just turned impossible into possible and exceeded my expectation. Buying a property is always not an easy task but she just makes it very easy. I will definitely come back to her if I need any help on real estate in the future.
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May 2021 by Kai L.
I cannot recommend Josephine highly enough to anyone who is in the market for a home in the Bay Area. As a first-time homebuyer, I can honestly say that there is no way I would be in the home I'm sitting in today without Josephine. In a crazy market, she was able to help me secure an incredible deal. Her comprehensive market knowledge; established relationships with counterparty agents across the Bay Area; negotiating prowess / keen sense on what it takes to get the deal done; consistent support pre and post transaction; and 24/7 responsiveness and attention to detail provided for an amazing experience. Between purchase price negotiations, in-contract concessions and post-close repairs, Josephine has easily created $100k+ of value in the context of my home purchase. I look forward to pointing my family and friends in Josephine's direction for all things real estate!
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March 2021 by Eric J.
Josephine is a home finance whiz! Several years ago, she helped us purchase our first home. Recently, she helped us stretch our dollars even further even more by locking a lower rate and finance another major purchase. She's a joy to work with and always goes above and beyond.
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March 2021 by L M.
We used Josephine's services to help facilitate a private sale. She proved to be an invaluable resource for both the Buyer and Seller in the transaction. She ensured that all disclosures were complete and presented in a timely manner. She also helped navigate the escrow process and helped us close the deal in record time allowing our family to be "home" before the holidays!
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February 2021 by Shawn D.
Absolutely the best of the best!! JC Financial is one of the only places that you don't feel like just "another customer". Not only professionalism and high standards are common practices, but you eventually build up a relationship on a personal level as well. I have been helped by Josephine several times in the past eight years, and my expectations were either met or exceeded every single time. I HIGHLY recommend JC Financial for your future needs, you will not be disappointed!!
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September 2020 by Brian W.
Josephine made all the difference by arranging for repairs in our house to get in tip top shape with staging which she provided. Within 2 months we were ready and she got us on the market on the right weekend. There was volatility in the months after the start of the pandemic. Timing, fixes and negotiation made a difference of over $50k. The time on market was short. Service in all aspects was impeccable. She also helped refinance our other home and got us a great rate. Josephine competence, service and negotiating skills enabled our San Ramon home to be sold over asking with multiple over asking bids. The sale happened quickly.
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September 2020 by Ken L.
Josephine was referred by my family, she got an excellent rate for us. She is very knowledgeable and is very helpful. She did a good job on analyzing each of the options and explained to us in detail so we could make the best choice. Very patient and to the point. Highly recommended!!
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August 2020 by Van L.
We were referred to Josephine by my realtor.Josephine helped us on our home loan and I'm very impressed how quickly she gets the job done. We were able to closed within 25 days. She's very responsive, professional, and knowledgeable. We couldn't have asked for a better experience. Highly recommended to anyone in the market for a mortgage loan.
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December 2019 by Regina R.
Josephine helped us purchase our first home a few years back and recently completed a refinance on our current home. She was able to get us the best rate possible and the process was complete within a week! She is professional, diligent, thorough, always has our best interest in mind, and will explain what you're getting. We highly recommend working with Josephine!
