Bay Area Loan

I’m a little disappointed I have to do this, but maybe I’ll get what I need.
I hope that Cathy has learned a lot about VA loans and TRID through my loan and that others will not have to suffer like I did.
I worked with Cathy to get our VA loan approved, and that was a struggle by itself. One minute we were preapproved, then all of a sudden we were not. After starting over, we were preapproved again and ready to buy a house. I was told I could close with zero down payment, then after we signed our contract and it was accepted I was told I need to come up with $ 32K. That was fun adjusting to.
Working through her and the lender, Plaza Mortgage, I got various loan estimates with numerous calculations to arrive at the «cash to close.» This was a frustrating period in the close of escrow period as I got 4 estimates within 1 week with a variance of $ 10K for cash to close.
Finally, I asked Cathy if she could explain to me where exactly my $ went after the close of excrow. For example, I got charged for «principle curtailment» and sadly no one (my agent, the title company, etc) could explain to me what that was. I asked the lender and they said it was a good thing and it would be applied to my balance! Well, I got my first statement and it certainly was not applied to my balance. Good bye $ 3.3K…
I will give Cathy credit that she took upon a VA loan, which I understand is one of the most undesirable in the bay area. She was friendly, helpful, and had a lot of personal challenges to overcome. I just hope I get an explanation of where my $ went…

Kathy is great to work with. Very straight forward and professional. I am working with her for getting pre-​qualified for a home purchase and thus far we are very pleased with her!

Cathy is awesome! I have done a couple of loans with her and she is on it. If you need to talk to her she always answers the phone or calls you back within minutes. She is very knowledgeable and answers all your questions. If you want to have a great experience call her for your next loan.

She’s fantastic! Give her a call. I was happy I did! As stressful as home purchasing can be, she makes the process go seamlessly, gives great advice along the way, and offered great referrals for agents, appraisers, etc.

Cathy was very nice. She was so easy to talk to and very knowledgeable. She didn’t make me feel rushed and answer any questions I had. She even took the time to help me fill out forms. I highly recommend her!

My wife and I are just about to close on our first home, and Cathy has been beyond fantastic. Her attention to detail and patience are amazing, and at no time did I ever feel like I was low on her priority list. In fact, it was hard to tell that I wasn’t her only customer most of the time!
We always knew where we were in the process and what was needed from us. She is always frank in letting us know what is outside of our control, and while the waiting can be tortuous to endure it is nice to know that Cathy is advocating for us and pulling every lever she has available to her to try and get things moving along.
We would not hesitate to refer our friends, family, and clients to Cathy.

Cathy is the BEST, she has done at least four loans for us and I wouldn’t go anywhere else!!!

There are so many mortgage brokers in the bay area. I thought they were all the same. .. .wow was I wrong. After some not so great and downright strange people brokers, my husband and I found Cathy at Bay Area Loans. She is a ROCK STAR!
My favorite thing about Cathy is that she was able to give us a very clear list of what she needed from us to help get us the best rate. We gave her what she asked for and she never asked for anything else. She is a really fun person to talk to, easy going, professional and most of all she really cares about her clients.
If you are looking for a carefree loan call her, she is the best!

(I wrote this email to Cathy @ Bay Area Loan to thank her for doing such an amazing job)
Cathy,
I’d like to take this opportunity to thank you for the fantastic job you
did with our recent refinance. I can’t tell you how incredibly
impressed I am with the level of professionalism you and your firm
demonstrated throughout this process. As you know, we’ve worked with other mortgage brokers in the past. While those experiences were satisfactory for the most part, working with Bay Area Loan was
extraordinary!
Throughout the entire process, we could clearly see that you had our
best interest at heart. Where other brokers would have pushed to close, you advised us to wait. Where other brokers would have increased their margins, you instead reduced our costs. Where other brokers would have been more concerned about their relationship with the lender, you put your relationship with us first. I am sleeping well knowing that we got a fantastic deal with a top notch lender.
You can absolutely count on us to pass your name along to family and
friends (please send me a stack of cards). I’d also be willing to be a
customer reference for any of your potential clients. Rarely do I take
the time to voice my satisfaction with a vendor, but rarely do vendors
impress me as much as you and your team have.
Thank you for everything.