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About Josephine Chu

At JC Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

Featured Reviews About Josephine Chu

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Reviews about Josephine Chu

Your Friend
5

As nervous first time home buyer for our primary residence, finding the right mortgage professional was extremely important for us. I usually do business with people who are referred to me by trusted friends and business associates. A good friend of mine has once mentioned Josephine Chu's name and he was very pleased with her services. And am I glad that we decided to contact her !! I still remember it was pretty late in the evening and hence I refrained from calling her and just sent her an e-mail. In less than an hour, she called be back - I wasn't even expecting her to call me back that night. In a nutshell, that's Josephine for you - pro-active and always available. We had a great conversation - she was very attentive and asked just the right questions and immediately gave us a sense of feeling that she'll be able to help us out. What turned out to be a regular loan process turned out to be quite a complicate affair. Josephine was the kind of support any client can ask for. She did whatever it took to make sure we funded in time. It is a long story but the bottomline is that my wife and I are her fans for life. She answers her phone and replies to e-mails as if she has nothing else to do. But I knew for a fact that she was an extremely busy professional and treated all clients with equal importance. And talk about high energy levels - I have never felt that she was ever stressed out or tired, even at 10 at night. Honestly, I have not encountered too many professionals like Josephine in my lifetime who has it all - great product knowledge, excellent customer service skills, very easy to get hold of and so much more !! I could go on and on but I have just another story to share. During the process of our loan, She had a baby. She reassured me that her assistant would take care of business while she was gone. But the very next day she was on the phone and e-mail working on our complicated loan. That's says it all. We are ever thankful to her that we have a house to live in today and also very thankful to my friend for referring us to her.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

I initially found Josephine through my local mothers group and her reviews on Yelp. I was looking for someone to help my parents with a refinance of their mortgage. She handled that transaction smoothly and my parents were pleased with the results.

Six months later my husband and I started looking to buy a house. We have a foreclosure on our records and knew that FHA was probably our only option. I approached Josephine, the mortgage broker referred by our realtor and a well known mortgage broker in town with our situation and reviewed all of their responses. It quickly became clear that Josephine was the only one who knew what she was talking about in regards to FHA loans and our tricky situation. Josephine informed us that we needed to be at least 3 years out from our foreclosure and that the FHA rules would be changing soon and that the change could have a large financial impact for us. The other brokers knew nothing of the impending change in FHA rules and didn't seem to take much of an interest in our situation. Josephine took the ball and ran from my very first inquiry email, quickly doing the leg work and letting us know all of our options. It was a no brainer to ask Josephine to join our team and help us buy a house.

With only three months to find a house and get in contract before the FHA rules changed, we wrote one offer, had it accepted and went through a very smooth mortgage process with Josephine. We have an FHA loan with a very low rate and are very pleased.

I recommend Josephine every time someone is looking for any type of mortgage help. Josephine is very smart and methodical. She will explore any and all avenues so you can get the best deal.
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Josephine's Reply

 

Your Friend
5

I initially found Josephine through my local mothers group and her reviews on Yelp. I was looking for someone to help my parents with a refinance of their mortgage. She handled that transaction smoothly and my parents were pleased with the results.

Six months later my husband and I started looking to buy a house. We have a foreclosure on our records and knew that FHA was probably our only option. I approached Josephine, the mortgage broker referred by our realtor and a well known mortgage broker in town with our situation and reviewed all of their responses. It quickly became clear that Josephine was the only one who knew what she was talking about in regards to FHA loans and our tricky situation. Josephine informed us that we needed to be at least 3 years out from our foreclosure and that the FHA rules would be changing soon and that the change could have a large financial impact for us. The other brokers knew nothing of the impending change in FHA rules and didn't seem to take much of an interest in our situation. Josephine took the ball and ran from my very first inquiry email, quickly doing the leg work and letting us know all of our options. It was a no brainer to ask Josephine to join our team and help us buy a house.

With only three months to find a house and get in contract before the FHA rules changed, we wrote one offer, had it accepted and went through a very smooth mortgage process with Josephine. We have an FHA loan with a very low rate and are very pleased.

I recommend Josephine every time someone is looking for any type of mortgage help. Josephine is very smart and methodical. She will explore any and all avenues so you can get the best deal.
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Josephine's Reply

 

Your Friend
5

Josephine is by far the best loan agent I've worked with. Her knowledge, expertise, professionalism, and responsiveness are unsurpassed. Before I met Josephine, several agents tried to help me refinance and all the banks rejected my loan applications. I was so devasted until Josephine came to the rescue and now I'm able to have substantial savings thanks to her! I know she worked late into the night on my behalf just to make sure the loans are closed on time (yes i get emails from her past 1AM in the morning).

Talking about dedication, I remember a year ago on Thanksgiving day, I sent her an email requesting a pre-approval letter for a property I was interested in buying and to run some numbers on estimated mortgage payment, property tax, and insurance. I certainly didn't expect an answer right away...but two hours later I got an email saying "just got the turkey in the oven, and here the numbers and pre-approval letter." My reaction? WOW!! She really rocks. I have referred her to friends and family and they are all very pleased with the service. They all have similar experiences like me where they have a lot of difficulty getting refinanced, but Josephine did her magic and made it work for everyone. If you're looking for an agent, look no further! Josephine's is truly the best.
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Josephine's Reply

 

Your Friend
5

Over the course of two years Josephine helped us refinance our house multiple times, working to attain the lowest rate possible. She also helped us get a great rate for our investment home.

Josephine always worked her best to help us get the best rate possible, gather all documents needed for the process, order the appraisal, and get the loan approved as quickly as possible. Besides a lower loan rate, she also helped find credits to lower or cover the closing costs.

Josephine is incredibly resourceful, knowledgeable, and extremely dependable. She knows how to jump hurdles and push through obstacles.

Josephine is also very personable, always prompt in response to phone calls, text, and email, always clear in her communication and happy to help in any way she can.

We really appreciate Josephine for all her help. If you are looking for a mortgage broker, please give Josephine a call. Once you talk or meet with her, you will know you have found a dependable agent for life.
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Josephine's Reply

 

Your Friend
5

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.
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Josephine's Reply

 

Your Friend
5

Josephine is the broker you want on your side. She is competitive and knowledgeable in all things financial. If you ever want to know all possible options for your individual financing needs, she is the one to have. She is not satisfied until she can present the best deal s or outcome for your situation. I am impressed that she can make things happen all within one week’s times for our refinance
.
Josephine may come off arrogant and know it all, but with her track record of clients and deals in the short amount of time she been doing business is something to behold. Her goal is to be the best.
In fact, I feel she is THE financial person to you want next, behind, and in front of you on anything concerning your money. She is solid GOLD standard.

I am very happy to endorse and recommend her abilities.
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Josephine's Reply

 

Your Friend
5

I have known Josephine, AKA JC, since 2011 through a banker at Wells Fargo. At the time, I was trying to refinance my existing home loan. The banker could not able to get me the rate that I needed; thus, it came JC. Since then, JC helped me refinanced twice on a 750k home saving me thousands of Dollars. She pushed through couple difficult loans for my two sisters and an impossible one for brother. She also helped two of my co-workers too. Besides the thousands of Dollars that she had help me saved, I am really enjoyed doing businesses with her because she excels at what she does and deliveries results on time with complete transparency. Most importantly, she keeps her words; she says what she means and she means what she said. I trust her with my financial matter.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine has helped us on numerous occasions over the years. Each time, it has been to help refinance our mortgage. Things have always gone unbelievably smoothly, and we've typically been able to close in three weeks. For starters, Josephine seems to find a way to beat/match the best rate/terms out there. In addition, she's a consummate professional. She's diligent about getting everything right upfront so there'd be no surprises. She'd give us regular updates so we always knew where things stood at any given point in time. Josephine is actually a CFA, and as a bonus, we've also gotten some good financial advice pertaining to our situation. Needless to say, we strongly recommend her for your real-estate needs!See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine and her team got us a great rate on our mortgage! We are first time homebuyers, so needed a fair bit of explanation/hand-holding through the process. JC Financial was always responsive at any hour, and never added any delay to the process - we were able to meet our pretty tight close deadline (less than 4 weeks) and are now in our new home! She was also very detail-oriented, catching even the smallest mistakes in paperwork through the escrow process. Overall the experience was very professional; she got the job done efficiently, correctly; and best of all - we have our super low rate locked in for the next 30 years! We will go back to Josephine and JC Financial for our next home purchase.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Having been referred to Josephine by my family member, I am extremely satisfied with the experience from the beginning until the closing of my home purchase. Even if I have a question a year after my purchase, she is still available to answer any questions that I may have. Josephine assisted my wife and I through every step of the way and answered 100% of my questions with full confidence. My wife and I felt no worry nor fear being first time home buyers knowing that we have Josephine's expertise to lean upon. I will highly recommend her services to everyone; her professionalism, efficiency, and expert knowledge is highly commendable. She made my first home purchase a truly positive experience.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

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.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

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.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine helped us with refinancing of our home recently. She was provided as a referral by a friend of ours. She helped us get through the process in 29 days. This was the quickest refinancing i have ever done in 9 years of home ownership. My previous 2 attempts failed to refinance with other agents and i was very frustrated. I was pleased to see that Josephine was able to get the appraisal and loan processed in such a short time.

She was present at the final sign off of loan paper work to ensure everything went smooth. I recommended her with many of my friends and i would approach her for any of my financial needs in future without hesitation.
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Josephine's Reply

 

Your Friend
5

I came to know about Josephine from one of the reviews I found on the Windemere Yahoo groups who I am a member of. She helped me with refinance cash out of one of my rental properties. My case was one of very complicated ones as I own multiple rental properties and very few agents were willing to take on my case. Josephine did an excellent job in not only finding a great lender but getting me an excellent mortgage rate. She constantly help me during the loan process and went out of the way a few time to help me with fixing my credit also. She was very prompt in her response also. I would definitely recommend her for any of your loan needs.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

I came to know about Josephine from one of the reviews I found on the Windemere Yahoo groups who I am a member of. She helped me with refinance cash out of one of my rental properties. My case was one of very complicated ones as I own multiple rental properties and very few agents were willing to take on my case. Josephine did an excellent job in not only finding a great lender but getting me an excellent mortgage rate. She constantly help me during the loan process and went out of the way a few time to help me with fixing my credit also. She was very prompt in her response also. I would definitely recommend her for any of your loan needs.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine was absolutely instrumental in helping us purchase a complicated FHA home in San Francisco. She was very attentive to every detail and was willing to go the extra mile to broker the financing within a seemingly impossible timeframe and with excellent terms. As a first time inexperienced home buyer, we felt totally confident with her expertise, patience, and ability to communicate the nuances of the financing with us. She made it a point to be available for our needs at all times and to provide feedback almost instantaneously. I would highly recommend Josephine to anyone looking to purchase a new home in the Bay Area.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

I'm so lucky to have Josephine as my broker who handled my refinancial issues exceptionally well. Josephine is patient, friendly, efficient, knowledgeable, thorough, responsive, reliable, and accountable. She didn't treat me as a client; however, she treated me like her close friend/family member. She also provided me suggestions and information regarding some other financial issues. This was my first time experience and I did not expect to receive this exceptional service. I must convey my appreciation to Josephine for a job well done. I'll definitely refer my friends to Josephine because she is the one we can trust.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine has been absolutely instrumental in the successful purchase of our first home. She is an expert not only in lending, but also in real estate, providing us with very insightful perspectives throughout the process. She was extremely patient as we went back and forth on our decision, and it was clear that she truly wanted what is best for us. She was able to get us unbelievably great terms on our loan, and we couldn't be happier with our purchase and overall experience. I look forward to a long and fruitful partnership with Josephine, and I hope others will have the benefit to experience that as well.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

My wife and I used Josephine as a mortgage broker for our loan when buying a first house. Not only did she get us a great interest rate on our loan (3.625%), but she also helped answer other questions about the home buying process in general. She is also very quick to respond to questions, and was able to help us tailor custom loan amounts for each house we put an offer on. This helped us put in competitive offers and not let the seller know exactly how much we were approved for. I would definitely recommend her services to friends and family and would use her again for any future mortgage needs.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

I met Josephine at a conference with other finance professionals. She established her credentials immediately and later proved to be a master of her craft. Josephine helped me refinance an investment property at a very competitive rate. Most importantly, she helped me navigate the maze of financial information that is required in the current state of loan application process, and ultimately resulted in a smooth loan closing process. During the process, she was direct and open about the loan products and requirements which helped me decide which solution was best for me.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

We were introduced to Josephine by our real estate broker when we've found our dream home. Josephine helped us smoothly navigate through all hurdles and supported us throughout the closing. We were impressed with her professionalism so that when rates became attractive for refinancing there was no question whom will ask - Josephine. And again, her energy and dedication to the highest quality of service to her clients brought us the best rate possible.
We highly recommend Josephine and, if there will come an occasion, will use her service again and again.
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Josephine's Reply

 

Your Friend
5

I have to say we are super lucky to have found Josephine. We were in a pretty tough situation, but she got our loan approved quickly and with great rate. She's very knowledgeable, resourceful, smart, sharp and quick. And what make her stand out from the others are: 1) she thinks outside of the box; and 2) many of her clients would agree with me - working with her is not just a business to her, it became personal, and because she really cares about her clients, and she cares about the outcome. I would refer all of my friends and family to her.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

We've been introduced to Josephine by our real estate broker when we've found our dream home. Josephine had supported us through the all hurdles to the closing. We were very much impressed by her professionalism and dedication to delivering her clients superior service. When rates became attractive to re-finance there was no question whom we'll choose - Josephine. And again, she helped us to get the best results possible.
We highly recommend Josephine and, if another chance comes, will use her help again.
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Josephine's Reply

 

Your Friend
5

I recently refinanced my home loan through Josephine. The whole experience was great, right from start to finish. She was able to provide me options right at the beginning of the process and kept me informed about what to expect next. The refinance closed in 30 days which was a rarity at the time. I found her to be extremely efficient, professional, straightforward and above all she was acting in my best interest as a friend would. I have worked with other agents before and she was easily the best.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

We were so fortunate to find Josephine through a referral in a local Mom's group. She is very professional, extremely knowledgeable, and goes above and beyond for her clients. We have refinanced twice over several years and both times she was able to get us the lowest rate and made the entire process painless. We have referred her to several friends and family members, who have also had wonderful experiences. I would highly recommend Josephine for all of your loans & refinancing needs.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine has refinanced my last two home loans over the last 5 years and the best person I have worked with in the industry. I have purchased two properties and refinanced several times before being introduced to her. She was very professional and knowledgeable. She makes the process convenient and her experience shows. Her rates were very good and the fees were very visible. I trust her integrity which is the most important factor in doing business. I highly recommend Josephine.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

We actually connected with Josephine through a random referral, and we are so glad that we had this chance encounter! She was instrumental in helping us finance our first home, and we would highly recommend her as she is great to work with and is also very reliable, responsive and has a deep understanding of the industry. She really went above and beyond to get us the best possible rate, and we're looking forward to working with her in the future!See MoreRead Less"

Josephine's Reply

 

Your Friend
5

We worked with Josephine to refinance our home earlier this year. It was a very easy process. We worked mostly online, which was convenient for 2 working parents. Josephine was always accessible and prompt with answers to questions. She was knowledgeable and provided her point of view. She even came to our house to complete the signing. Again, very helpful as working parents. I would definitely recommend Josephine for your mortgage needs.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

I was referred to Josephine, from a friend, who had previously used Josephine to help him with refinancing his home mortgage. I have used Josephine twice to refinance my home mortgage and both occasions have been great. Josephine qualities that stand out for me are that she is very personable, responsive to your concerns,looks out for your interest, efficient, accessible, and knowledgeable.I would not hesitate to use Josephine again.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

I was referred to Josephine Chu through the sales office of KB Homes. I can tell you that she kicked butt on my home loan. I had the most amazing outcome. She was very attentive and kept me abreast on all of the phases of home loan process. I will be refinancing in the near future and will definitely go back to Josephine to make it happen. She really deserves 10 stars on the quality of work and commitment to her clients.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine took the time to educate me on the different options and strategies, helped me select the best deal, and drove a flawless execution of the transaction, ending in easiest closing ever (it was my third).

Long after the deal closed, when a clerical error caused the lender to think my insurance was no longer in effect, Josephine stepped in to make things right, even though she didn’t have to. Highly recommended!See MoreRead Less"

Josephine's Reply

 

Your Friend
5

I have reached out to Josephine twice now to get my refinancing done. She is so professional and helpful and was able to answer all the questions I have and was able to take care of me promptly! I was amazed by her knowledge and her abilities and I have recommended her to couple friends and they all have told me how they have enjoyed working with Josephine and how she had helped them. You are awesome Josephine!!!See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine helped us finance our first home. Because of Josephine we were able to close in around 20 days, 10 days ahead of schedule, largely due to her. She is seriously amazing, she knows all the paperwork, rules and regulations inside and out. With greater scrutiny for home mortgages, the financing process can seem punishing, however, with Josephine's expertise and guidance the process seemed like a breeze.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Thank you so much for all your hard work to make this closing a successful. Our re-finance process went very smoothly and was on time. I Thank you from my heart once more for making this possible. Yes, I will definitely refer anyone comes to me for the inquiry. I will never forget you(Josephine) for what you did and how hard you worked till today to make my dream come true.You Are just an Amazing Person"See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine is an exceptional broker. She and I have closed many transactions together and her professionalism stands out. She is not only dedicated to her clients but takes exceptional care and ownership of the loan transaction to ensure a smooth closing. If you are thinking of buying a home or refinancing an existing home be sure to reach out to Josephine, you will be taken care of ~
/> Christina ListerSee MoreRead Less"

Josephine's Reply

 

Your Friend
5

I know Josephine personally and I immediately selected her to represent our family as both our broker and realtor. Josephine was not only extremely patient and helpful as we searched for our new home, but she found us the best deal on our mortgage. And it's the best! Josephine was instrumental in helping us afford a home in a highly desirable location with excellent schools for our children.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

Josephine was very professional and saved me a lot of money, I had no idea how much I was wasting on my previous loan, she explained my options and and we selected what was best for me, She is very knowledgeable and can definitely pick the right loan at the best rate for you.

I plan on do more business with her in the future.

I would highly recommend her.
/> Thanks Again Josephine.See MoreRead Less"

Josephine's Reply

 

Your Friend
5

JC was a great agent! I found JC through one of my friends, and she got us a great deal on our mortgage. She worked with great speed and always responded promptly to my questions. I was so impressed with her professionalism, she always went above and beyond to satisfy my requests. Highly recommended to anyone who wants to have a great home buying experience."

Josephine's Reply

 

Your Friend
5

Josephine is very helpful, responsive, and so easy to work with. She helped us refinance our home. The whole process was very smooth and resulted in saving us some money each month. We instantly referred her to our parents and she did the refinance on their house as well. We knew Josephine from a friend and will definitely recommend her if anyone need a broker."

Josephine's Reply

 

Your Friend
5

Last year after my husband passed away, I refinanced my home to lower my monthly house payment. She so easy to work with and always response to any of my questions in a very timely manner.

I would recommend Josephine for anyone who needs to defiance there property.

I would give Josephine the highest recommendation possible. She is 100% the best."

Josephine's Reply

 

Your Friend
5

Josephine helped us refinance our mortgage twice. I can't recommend her enough. She is intelligent and has expertise in business/finance which really helps when you're about to make one of the biggest financial moves of your life. She cares about doing what's in her client's best interest, and is transparent about every step of the process."

Josephine's Reply

 

Your Friend
5

Josephine is capable, efficient and a great pleasure to work with. The service she provided was simply awesome. She was able to secured a hassle-free loan for my home which no other broker was able to come close. Since then, I've referred several friends to her that she also get great loans for. I highly recommend Josephine."

Josephine's Reply

 

Your Friend
5

Josephine Chu did a great job in getting us refinanced in a difficult situation. The valuation on the home made it difficult and it was during the time when the Fed was talking about lifting the taper which caused interest rates to rise. We were able to successfully refinance at a good rate through extra efforts from Josephine."

Josephine's Reply

 

Your Friend
5

Josephine helped us close a vacation home and she is really great. Very detail oriented and hands on. Resourceful and knowledgeable. We have a lot of confidence in her that she can close any deal and she will meet the deadline. We have referred other family and friends to her too and everyone has a good experience with her."

Josephine's Reply

 

Your Friend
5

Josephine was a real professional from the first meeting and conversation all the way through the entire refinance process. She has a relentless desire to accommodate her clients with great service and communication. It was the best financing experience I ever had with anyone and I HIGHLY Recommend her in this process."

Josephine's Reply

 

Your Friend
5

Josepine is very responsive and prompt. She works for our best interest to get the best rate and offers timely service to be competitive in our house purchase and refinance. We have referred quite a few friends to her, all appreciated her service. We will also highly recommend her to you!"

Josephine's Reply

 

Your Friend
5

Josephine helped me secure a home loan in July 2013. She is extremely personal, professional, and prompt. She was always (and still is) readily available to ask questions. She helped me obtain a great, competitive loan, and we closed in less than 25 days. I highly recommend her."

Josephine's Reply

 

Your Friend
5

Josephine was a joy to work with. She is very informative and her tireless efforts to do the best for her clients is why we will continue to work with her on future business. Josephine is very prompt with her responses and her dedication to clients is why she is so sought after."

Josephine's Reply

 

Your Friend
5

I had loan w / wellsfargo bank I was trying to refinance my home w/that bank took 8 months and waist of my time then they told me they cannot refinance for me then I find Joseph Chu didn't take more than 4 weeks I got my new loan she is wonderfull I highly recommend to everyone"

Josephine's Reply

 

Your Friend
5

Josephine Helped me and my husband brought our first home last year. The housing inventory meet our criteria are very limited and gone fast. She is very detail-oriented, experienced, and efficient. Thanks to her we are able to have the place we want with price we can afford."

Josephine's Reply

 

Your Friend
5

Josephine provides an excellent service to me. If I need any loan financing in the future, I definitely will be a repeat customer. She is very professional and courteous about her service. Last last loan financing service from her is a very satisfying experience."

Josephine's Reply

 

Your Friend
5

I would highly recommend Josephine! She assisted us with 2 refis that both substantially helped our financial situation. She is quick, efficient, very responsive and gets things done. We were very pleased with her and would use her again."

Josephine's Reply

 

Your Friend
5

I know Josephine through my friend, and I got a great deal on my mortgage. She is responsible and works efficiently. She responses questions quickly and in details via email and phone. I always refer Josephine as the broker to my friends."

Josephine's Reply

 

Your Friend
5

Josephine has great bedside manner and is attentive to detail. She's an excellent communicator, always responsive to my requests. Service matters and Josephine understands that the little things go a long way for her clients."

Josephine's Reply

 

Your Friend
5

Josephine is outstanding! I have done 2 refinances and 1 home purchase with her. She's financially savvy, trustworthy, and goes the extra mile to make the deal work out for all parties.

I would highly recommend her."

Josephine's Reply

 

Your Friend
5

Josephine was amazingly professional and helped us through a difficult process which we probably couldn't have done without her. She goes out of her way to see to it that you get the best possible results."

Josephine's Reply

 

Your Friend
5

Worked with Josephine for years, refi a few times and purchase as well. She is very hardworking, very quick turn around, very professional, best agent ever! Excellect experience! Highly recommend!"

Josephine's Reply

 

Your Friend
5

Josephine brings decades of experience in the financial industry to deliver exceptional service as a mortgage broker. Quick follow-up and great due diligence to find great options and rates."

Josephine's Reply

 

Your Friend
5

Josephine is definitely the type of person you want to get through the arduous process of refinancing. She is tenacious and has a very keen eye on the details. I recommend her highly."

Josephine's Reply

 

Your Friend
5

Josephine never stopped working for me until my house was refinanced. She was personable and helped me step by step. I would never use another lender. She is the very best."

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Your Friend
5

Josephine was a great broker! We found her through one of our friends. We are quite satifactory for her whole service. She got a great deal on our house."

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Your Friend
5

Josephine is very good at following up and communicates. I will rate here 5 stars professional service. She is my fully recommended reliable agent."

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Your Friend
5

Josephine She is doing excellent works for my apartment loan and she did a lot extra works when she find a law suit on the apartment but not cost."

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Your Friend
5

Josephine was great. She was very helpful and answered any questions I had. She did her best to make the whole process go as smooth as possible"

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Your Friend
5

She is very professional and friendly. She knows her job very well. Glad to meet her and work with her."

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Your Friend
5

Josephine is all action. She's smart and creative - and gets fantastic results. "

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Your Friend
5

Through refinance my property, and she did great job."

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Your Friend
4

Pay attention to details. Fast response."

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