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Testimonials
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Good: Very responsive, honest and persistent. I always got responses to my queries either via phone or email and never had to wait more than a few hours to get them. They kept me updated of the developments and were thorough with the followups. We did have some hiccups during the process, but even after...
Kunal belnekar
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Jay and his team were able to move quickly to get my loan approved. It was a difficult loan and needed to be expedited and they got it done in a short amount of time.
Winnetka24
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I would recommend Jay for his deep knowledge about the home loan industry. I financed my first loan in 2002 and since then successfully refinanced 6 times through him only. Jay does an excellent job always closing on time with no surprises and offers the most competitive rates in town. I always recommend Jay to...
Arbhalani
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Jay Patel was very helpful and I recommend him highly. He was knowledgeable and followed up promptly. Always answered any questions we had promptly and courteously. Five stars for Jay Patel.
User055472
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My wife and I had not refinanced in a number of years and Jay was very patient to walk us through the process and help us arrive at a rate and duration that made sense to what we were trying to accomplish. He answered our questions thoroughly and honestly. On top of great service his...
User086449
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I would recommend Jay for his knowledge regarding the home loan whether is buying house or Refinancing. Jay was our Real Estate agent when i bought my first house in 2002 and since then we have successfully refinanced 3 times with him . Jay does an excellent job always closing on time with no surprises...
NehaValand
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Exceptional customer service. Very patient. Explained everything to me. Went above and beyond to make sure that I was comfortable with my loan. No pressure. I’ve recommended him to all my friends.
User554472
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Jay Patel did an excellent job on helping me refinance my house. Jay is an upfront, honest businessman and he worked very hard to find the best refinance loan available for our house. Jay was very responsive to our questions and needs and was more than willing to present multiple options for comparisons. Thanks to...
User416335
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Jay is a professional with years of experience. Really knows real estate and loan packages. He has helped me in the past with refinancing our home loan and we have referred other clients to him. All whom were very happy with the service and products. He goes above and beyond to help his clients. I...
Dhar patel
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Jay has helped us on two refinances. He worked hard for us on both. The lender was more picky on the first one, which stretched out the time significantly. The first one cleared in no time at all. Jay did his best to expedite both.
User20274773
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This is truly a great team to work with. Very knowledgeable in the field and helpful at every stage. Jay’s approach is very honest and will not waste your time with false promises. I highly recommend 0Pointloan.
User8141927
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The whole refinancing process for me went extremely smooth and fast,thanks to Jay Patel and his staff,they are extremely knowledgeable.They were able to simplify the whole refinancing process for me and my wife,and we’re able to meet all our expectation.
Hyder ali mavandadipur
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Jay Patel did an excellent job on helping us refinance our house.Thanks to Jay, the entire process went very smoothly with no surprises at closing. I would use Jay again and would recommend him to others. Thanks Jay for being there for us.
User3882215
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Jay and his team has financed my home multiple times. His team is extremely professional and dedicated. We are in the process of closing a 21 day loan on an investment property and needless to say that 21 day funding is an arduous task in current lending environment. I recommend Jay to all of my...
User3410202
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Highly experienced, through, and efficient. I would highly recommend him and would definitely do all my future refinancing and loans with him. He has 23 years of experience and delivers outstanding service with integrity and honesty.
Balu
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I had my experience with Jay during my refinance of my home. I thought he was excellent in many ways. He was very through, friendly, professional, and punctual. If I have to refinance or even purchase a new home, I would definitely with no reservation contact Jay again. Thank you so much.
Bhavana
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My experience with Jay was very positive. He was very professional, always mindful of my time, prompt in his response and always willing to answer questions. He is a straight talker and gives the facts which to me was critical and valued in order to make a sound financial decision. I highly recommend him
Nndoshi
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Jay is extremely knowledgeable/honest & straight forward in his business. I had wonderful experience in refinancing my property in Tiburon CA. I would highly recommend him to my friends & family. I give him 100/100 marks.
User82300430
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Second time Jay has help us – easy to work with and a great staff. Kept us in the loop and out of trouble. With the rate Jay got us (2.625%), I doubt we’ll be needing his service anytime soon. The in-home docs saved us time and were as expected. Did I mention this was...
User1431607
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Jay has helped me obtain very competitive rates through two home purchases and several refis. He is responsive, customer oriented and reliable. I would recommend Jay and his team without hesitation.
Raseshp00
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Jay Went out of his way for me & my wife many times ,Once when had did not even have the loan .Jays love for his clients comes first……My sons & family also Love Jay because of his help..
User75687922
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He is an excellent in his work area. Respectful to his customer. Responsive & knowledgeable. He is professional in his business. He locked our rate at very good rate (as we expected). He completed all paper work in reasonable time period. He gave us the list of paer work required to complete the process. Missing...
User40295451
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Find me chipper loans for my 3 homes and provided status of my loans every day. Jay closed my loans in 1 month. He is very responsive. Helped me improve my scores due to wrong information in the systems and help me correct and improve my scores. Nice person to work with.
User42244528
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High Integrity and I can trust him. I worked with him to get my home loan that I bought more than 10 years ago. I have know him since our college days(over 20 years) and feel that he will tell me the trust and be upfront with me. He will work hard to get you...
User53780233
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Jay goes out of his way to delivery outstanding service. He has the experience to handle all financial transactions. He is honest and always upfront with his transactions. Integrity in this business, is hard to find and Jay Patel has this, which is why I highly recommend Jay for all your financing needs.
User37654410
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It was great working with Jay during our house refinance loan process. All his effort was greatly appreciated. We had all our feedback from time to time and completed our refinance loan process on time without any excuses. We are happy to refer him to our friends for future services. His effort and service was...
User5925927
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Jay is very knowledgeable about current trends and competitive landscape. When I was buying my home, he was very helpful in sorting out the different interest rates and programs offered by banks. I would not hesitate using or referring friends and family to him in the future.
Bnp29
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Jay was a God send! He was able to help us refi our home in a very short time to make an important deadline. He was thorough, kept us up to date on our progress and even took the time to explain some of the more complicated ideas to me. I highly recommend him!
User7071654
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To put in a nutshell, I can say that without Jay, we couldn’t have closed the loan process in time for the escrow. He went above and beyond to make it happen. There were lots of complexities due to running my own business. Jay got us through all the roadblocks guiding us throughout the entire...
User6005953
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I called a number of individuals in the industry to get information in regard to my situation regarding being self employed and wanting to obtain a mortgage. Ever one of them said no problem we can get you financed without even asking any questions. Now I have been been in business for a number of...
Realist
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It was a real pleasure working with Jay. He is knowledgeable about the business and always provides excellent advice. He goes out of his way to make sure his clients get the best deals. He was really proactive during the entire loan approval process and ensured that there were no last minute surprises. I would...
Shahzadragaby
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We found Jay to be knowledgeable about mortgage financing and very patient in explaining complex issues. He would always take time to answer our questions and made us feel very comfortable.
Amika6
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Jay and his team are the consummate professionals. They make every effort to help you understand the complexities involved, offer various options, give their best advice and help you choose the best available option for you – depending on your financial situation, short/long term goals and your station in life. We have been very happy...
ATTNYCPA
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Jay patel is by far the most helpful and professional agent I have ever dealt with. He always invests 100% of his time and efforts in trying to make sure I received the best possible service. I would definitely recommend him to anyone who is need of financial advice or service, especially with home loans...
Srpatel1967
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I have done a few loans with Jay. He is the best loan broker that I have ever used! I used to think that getting loans from banks was the cheapest way to go until I met Jay who was referred to me by a good friend. He was able to get me the better...
Patel kirt
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Jay was a pleasure to work with. He was knowledgeable about the types of loans and which one would best suit me. He always followed through and made sure I filled out the paperwork correctly. I would work with Jay again and recommend him.
SachinShah0
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I picked Jay because he is a CPA and people at first team used him. He was impeccable in the way he worked and followed requirements of the lender. When he filed the paperwork it was complete and approved. He let you know what was required of you. Jay was able to get us the...
Pcwlkr
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Jay really does know his stuff and more importantly values ethics above all. He really took the time to help my wife and I understand what we were doing and why we needed to do it. I would recommend Jay to anyone, experienced or not in the housing market. Thanks Jay!
CodyBunganich
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Jay did a wonderful job in securing a loan for our home. From start to finish, he was courteous and there to answer any questions we had. We will definitely be using him in the future for any of our loan needs.
User3056428
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Jay is an honest, helpful and creative real estate professional. He is quick to move on low interest rates and keeps his clients informed on the most advantageous loans for their specific needs. His straightforward approach does not take advantage of his clients but rather gives them options that make the most financial sense. I...
Abetonte5
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Jay at Net1Finding helped my sister and I refinance our home when Bank of America turned us away due to errors made by our loan service provider. Our loan agent worked with our previous lender corrected the credit reporting issue and funded our loan. We are more than happy with the services at Net1Funding.
Sergio Miramontes
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Jay has refi’ed my house three times since 2000. He also help my family members with their needs. He is a true professional who keeps you informed thru close. Furthermore, he is very responsiveness and treats you well
Papatel12
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Jay was extremely helpful with closing my loan. His knowledge and rapport with lenders was invaluable. He was also very responsive and made sure the loan closed in a timely manner. I would recommend his services to anyone.
Vimalnpatel
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Jay was very helpful in helping me go through the process and completing my loan. I am technologically challenged and he was very patient walking me through each step and was able to help me over the phone to send him the necessary paperwork. This was my 2nd time to refinance with Jay Patel and...
Anderson150
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Jay was great. Very straight forward process. Provided me with a list of items needed for loan upfront. Kept me updated through out the process and got me a good rate. Would use him again.
Amedfranco6
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From the beginning to the end, Jay and his team were on top of all aspects of my refi. If i had a question(s), it was answered by simply calling and or emailing them. His team did not hesitate to expedite any documentation that needed my attention. So because of this, they made my first...
Rubix8
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I had a great experience working with Jay. The loan process went very smoothly and Jay got me a great rate. He took the time to walk me through the entire process and explained all the details of the loan. I had a lot of questions and he was always quick to respond.
Patel Manish
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Jay has expert level knowledge in new home loans and refinancing. He provides everything upfront with no surprises later and works really hard to make sure that the loan closes and on time. He is highly customer service orientated and will do whatever in his power to help his clients. He is very trust worthy...
Tjm83
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Jay is true loan expert! Not only is he an expert in his trade but Jay also has excellent customer service skills, was always available and has a wealth of information related to real estate. My wife and I are first time home buyers and even though we knew very little about loans or real...
P mcquinn
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They provided me with great and prompt service – they were very helpful in providing information throughout the loan process – they also helped in getting a good interest rate
RobertEstrella
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Jay was extremely helpful and professional. He explained every step as we went along and stayed in constant contact with my wife and I. His team did the same. whenever we had to speak with one of his team members he informed us of their name and that they would be contacting us ahead of...
Kevin
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I recently used Jay to refinance my home loan. Jay and his team are awesome! After talking to various loan officers at different banks, credit unions and other mortgage brokers, I found Jay to be the most competitive. Jay contacted me immediately with a full break down of options and detailed cost analysis. I was...
User1595402
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I was referred to Jay by my realtor and could not be happier with the service. After initially talking to Jay he assured me he would handle all the details of the process as well as give me the lowest rate. I was a bit skeptical and am naturally a bargain hunter so I talked...
NathanScharfe
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It was a pleasure to work with Jay Patel and his staff at 0pointloan.com. Mr. Patel was responsive to all questions, reliable and very helpful with every step of the loan process from application to closing. I am very impressed with a great service I received and would highly recommend working with Jay Patel to...
Zuser20140503193244111
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Jay and his colleague processed two house loans and they were quickest loans we were approved on. These people work on borrower’s time and convenience. They are very detailed oriented and work in very simple manner so the borrowers do not feel overwhelmed or intimidated. I never got email or phone call unanswered. Gomathi was...
User4999306
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Here is my honest review, i have had financed three houses and several sba for my small businesses in past with different brokers,agents and banks.every single transaction was time consuming and lots of paperwork,there were times when broker or agent don’t deliver promises that they had made and being asked about your ongoing loans,first they...
User2975655
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I bought my house in 06 with 6.25% 30 year fixed. Since then, I was not able to refinance since the house was under water and it was a jumbo loan. all the banks told me to stop making payments in order to force the bank to negotiate, but I refused based on principle. I...
Nick
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Jay Patel’s Zero Point refinancing was best experience so far. I have refinanced several times and this was 1st time I was referred to Jay. It was by far the best and efficient. He delivered his promise with no hassle. Ravi his office assistant was superb with follow through during the loan processing and appraisal,...
Atulrad
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The first conversation I had with Jay was very business like, not pushy, informative, and reassuring gave me best rate right of the back. He was straight up from the start, telling me everything I needed to do. He made himself available after hours and was always polite and a wealth of knowledge. He was...
Nick
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Jay Patel and Ravi Chandron were great to work with on the funding for our home purchase. Jay was very attentive, and responsive, and worked hard to find a great loan and interest rate for us. Jay and Ravi were very professional and I would highly recommend 0pointloan.com to my family and friends.
Renee thornton3
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Overall great 5 star experience . Refinance closed within 30 days. Closed before end of year, able to claim on tax return. Very professional, always kept is informed of process.
Crskahan
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There are bigger companies that are out there just trying to make money. In no way did I ever feel that I was being taken advantage of. Jay and his company worked through and provided our family with a great loan. They walked us through step by step, so there were no misunderstandings. I am...
Jnboado
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I tried to avoid refinance as i dint want to go through the pain again. When i talked to Jay, i felt comfortable and wanted to give a shot even because he provided a great rate. Totally hassle free experience. I might have interacted 3-4 times and refinance was closed. That was easy. Thank you...
Rajendra kadam
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We have gone through Jay several times to refinance to a lower rate and wouldn’t go to anyone else for he keeps you informed on a daily basis on whats happening with your. You can always pick up the phone and call him anytime and if he’s busy he will call you right back. He...
Martha
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It’s not easy to find a businessman that you can trust. Jay Patel is that man. I found him to be straight forward, informative, available and honest. He and his staff gave me that 5 star customer service that is so rare now, in addition to the best rate available. I had heard from many...
Barbara
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We bought our home a few years ago, and Jay Patel helped us with the loan. He is very sharp and knows his field of work very well. He assisted in a trouble free low APR fixed loan and was very clear in what we are getting into and costs etc. He was excellent, and...
Vin
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Jay and Ravi were great. Super helpful and very efficient through the whole process. We had many questions and if either Jay or Ravi were not available the other would be available. They are a great team and understand what the consumer needs.I would recommend them to anyone trying get the a loan done.
Jarrasco1983
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I applied for a refi of my loan-the process was not easy because Jay n Ravi wanted to make sure I got the best rate and the underwriters will say Yes! They were on top of the whole process, went above and beyond the usual process. Very honest and patient with all my questions -explained...
Estelasuzara
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Jay and Ravi were great though the whole refinance process. The 0PointLoan.com process is super efficient — just about everything except the final document signing was done digitally, so all the early documents, disclosures, permissions, and acknowledgements were exchanged and signed via the internet. From the beginning, everything went smoothly and their experience in the...
Davidscharfe
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I am Highly satisfied with the service I received from Jay and his staff. They are very professional and helpful. They respond in a timely manner and provide you with all the information you need. The rates he offered were very competitive and the service was great.
Cattia78
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I have used Jay for many years. Always comes through!! Low rates and Low fees. Also helped with equity line. Got me a LOC for a house in Azusa as well as a house in Cypress. Jay is your Man. Thank you for your help throughout the years.
VipulPatel1
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I was looking to refi my home loan for a while and due to some reason or the other, it was just not happening. I was in touch with Jay for a while, waiting for the best rate. After a point i stopped investigating the rates. Jay was on top of it though and never...
Avi sankhla
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Jay was a great help. He and his team helped my wife and I buy our first home. They made the whole process seem very easy. Jay was available to answer the many questions that we had as first time home buyer (even after working hours). If i had to recommend anyone to for home...
Vikkie86
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I was referred to Jay Patel by a friend when I was contemplating a refi. He is great ! I ended up moving forward with it & refi’ed from a 30 yr to a 15 yr mortgage . He won’t waste your time and is very patient . Because it was almost an after thought...
Dorylynn
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I had to get an unconventional loan and came close to giving up hope on a loan, but 0pointloan came through. Jay really went above and beyond to help by researching the area and other loans made in that very same complex to find a lender. He was very thorough, quick and extremely responsive in...
Uvashirp
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Jay and his team were referred to me by my realtor. I was skeptical and not very confident about securing the type of unconventional loan that I needed in such a very short period of time. Jay made the process very easy and was able to get me the exact loan that I needed when...
Gb6552
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I highly recommend Jay Patel to anybody who is buying a first home or refinancing. I am in the sales and customer service industry and believe in taking care of the customer first and creating an awesome customer experience for future referrals and building relationships with my clients and this is the reason why I...
Gqstyle01
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I was referred to Jay by a colleague and am I glad for the referral!! Jay was super responsive and got the ball rolling immediately…very easy and up front process, with him and his team updating me frequently and taking the time to clearly answer any of my questions. Always perceived this entire process as...
aty110
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Your company was so much more professional then the last mortgage company I used. Every question I asked was answered honestly and accurately. I would recommend you to anyone
John S
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I just wanted to thank you for constantly following up with me. The last time I refinanced it seemed as if I always had to follow up with the mortgage company. Thanks for staying on top of everything and keeping things moving forward.
Don J
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I wanted to let you know how impressed I was with the job everyone did at your company. I have refinanced several times in the past and usually pick the company that has the lowest rates. Of course I did the same when I chose your company. However, this time I received great service to...
Mary & Steve R