John Carnahan – Prospect Mortgage

My husband and I just purchased our first home in Alameda, and it never would have happened without the great work and guidance provided by the team at Prospect Mortgage. John and Chris did an absolutely amazing job to secure us a loan at a fantastic interest rate, and were always available to answer our many, many questions about the process.
I’m self employed, and so the lender required a lot of paperwork to prove my income. Chris was always on hand to help me figure out what was needed, and worked tirelessly and patiently to get the deal through. Plus, when we asked for a reference for a realtor, they suggested Richard Matus of Better Homes & Gardens, and he turned out to be an absolute gem.
We love our new home and have no intention of moving anytime soon, but if we did, I’d go back to Prospect Mortgage in a heartbeat. I can’t imagine receiving better service anywhere.

This review is long overdue and I certainly owe John and the Chris’s the highest and most positive review. We were going through the home loan process through the private mortgage division of a «big bank» where we hit a snag with 10 days to go in escrow. We were about to accept the loss of the property when our agent had John call us. We starting talking about our options to save the deal where he was very forthright, clear and creative in our discussions. He knew we were in a bind and him and the team put forth the EXTRA EFFORT and got us a very competitive package as well as a closure on time! I could not be more impressed with him and his team — he even met me on a Sunday morning at 7am to get the paper work filled out correctly. If I could give them 6 stars I would and I certainly will be recommending him to all my family and friends! I will also never work with anybody other than the team at Prospect Mortgage!

I heard about John Carnahan at Prospect Mortgage, Alameda, through one of the most reputable sources there is, word of mouth. I could not be happier with his knowledge, service, and willingness to do business the old fashioned way. With so many companies out there trying to throw as much mud on the wall as possible to see what sticks, John took the time to meet me and my wife in person and walk us through the finance process. There is nothing better than to meet the person you are making one of the biggest purchases of your life and being able to shake their hand and look them in the eye. John is passing not only his knowledge but also his business acumen onto his protégé Chris Granger. I bought my house back in October 2013, with John, and just went through my refinance process in March 2015, with Chris. It was one of the easiest experiences that I have ever gone through. I applaud Prospect Mortgage, Alameda, for their attention to detail and for making my experience truly noteworthy. Thank you for all you do and will do for me in the future. Cheers!

John and Chris are established experts who takes their time to explain everything to the customer, which is great because this stuff is very confusing for the average consumer. They help you make intelligent decisions and they are trustworthy. They have your best interest in mind, which is the recipe for success in any business and they certainly take care of their customers’ best interests. Excellent guys. Very smart. Hard to find in today’s real estate market.

We were recomended to Prospect Mortgage (John) through a co-​worker a few years ago. During the painstaking process of looking for a new home, John was always there to answer any questions that we had along the way. John is very knowledgeable with everything from finance to federal guidelines. He made a complicated process a piece of cake! Chris Granger was also super friendly and Johns go to man. When I needed to get paperwork submitted, Chris offered detailed instructions and was always on it. These two are the power team that I would reccomend to anyone who is thinking about buying, selling and everyting in between. Thanks again John and Chris!

I just refinanced our San Francisco home thru John. His knowledge, experience and execution on our refi was painless, efficient and saved us tens of thousands $. I will never again deal with another bank for a home loan or mortgage broker as John & Chris provided the far & above the most competitive package over any bank/​broker coupled the highest level of service we could of imagined. To say I’m satisfied is an understatement, I’m blown away and referring all my family and in-​laws to John after this experience as I trust John & Chris with all my family’s RE dealings. If you need to finance RE and are shopping, STOP and speak/​deal with John/​Chris, the value of their service, experience, rates and process was the best experience I’ve had in years.

John (and Chris) are the best. They answered my numerous questions on finances and helped break down every available option to get me the best deal on my first home. Even after I purchased and the deal closed, John was still available to answer my questions on my property taxes. He really goes above and beyond. I’m so lucky that my great realtor Richard Matus sent me John’s way! Thanks John and Chris!

John was great: He pre-​qualified me very quickly and I got the home I wanted. When it came to choosing my loan options, he carefully and thoroughly walked me through the numbers. I highly recommend him. He and Chris were kind and professional and the the entire funding process was completely painless.

My wife and I just bought a GREAT home in west Oakland and I must say, it would have never happened if John and his assistant Chris did not take the EXTRA effort to help us get to the finish line. John prequalified us as we were viewing our perfect home. He always told me «Those who want will get». For over a month and a half of going over paperwork, adn more paperwork, John got us funded. We have been in our house for 2 months now and I can not say THANK YOU enough. John delivered where 2 others failed. Thank you JOHN!