Testimonials

Isin & Temel from San Jose, CA

Billy was focused on getting us through a much needed fast process. He was quick with follow up, giving us expert advice. His clearly defined process and communication helped us go through our tight deadline effectively.

Jil Tin from San Jose, CA

I have done financing and refinancing more than four times for different homes. Billy works for mortgage banker who has in-house underwriters and get the loan faster than big banks and other mortgage brokers.Billy is thorough initial pre-approval scrutiny. Once the amount he confirms, you are eligible for sure that amount. During my new finance, my listing agent even astonished how clear he is for verifying my pre-approval.He has successfully completed my new home finance within record time.One the complex refinance case, three big banks denied me with 800+ FICO scores. When I approached him, he went up justified to the underwriter and got it refinanced.From then on, he is my lender for all my future finances, pre-approval etc. I have referred few of my friends and they have also received the finances very fast and close the new home purchases.He is highly reliable, friendly and timely on approvals.

Billy has helped me again for my new primary purchase again this year well within 30 days of escrow. The transaction went smooth and billy was transparent about the process with me, buyer agent, listing agent and escrow officer so that closing completed on time.

mng111 from Santa Clara, CA

We have been working with Billy for probably more than 10 years on at least 4 occasions. The key is trust! We trust his knowledge on getting the best loan (creatively, not just numbers), investment ideas, diligence in getting things done on time & taking full responsibilities and resolving any issues more than fair. We have used Billy to purchase new homes, refinancing and also buying multi-tenant homes. We consider Billy as our friend and partner that we can trust and do business with.

sharanya jagan from Santa Clara, CA

Billy helped us refinance our mortgage. He was very professional and courteous all along. Never pushed us into anything we didn't want. He explanations were lucid and made sure I completely understood him. The process completed sooner than expected and to our satisfaction.

Terry Smith from Auburn, CA

Billy is a professional who provides expertise, service, and guidance beyond what's typical in the industry. He worked to counsel us through various considerations and loan structures we were evaluating and ultimately helped us to select a fitting loan, and obtained an extremely competitive rate. Being in the legal field and interacting with various finance professionals, I highly recommend Billy without reservation!

csdewhirst from Los Gatos, CA

Helped us close early and was extremely professional. Billy Is an expert in his industry and it showed through the process. He was attentive and paid attention to details. Great experience!!

mkdell from Los Gatos, CA

Billy has managed many of my mortgages and he always manages things with care and perfect guidance. Billy knows his business and guided us at each step. His care at managing the process helped us close a 30 Day Escrow in 21 Days. He was truly a rock star helping late into the night and early in the mornings as we worked to meet all the requirements. No way we would have got our keys the eve of the 4th of July Weekend without Billy's care.

brendanpkelso from Atascadero, CA

A friend recommended me to Billy with the quote, "trust me, you won't be sorry!" And boy was he wrong, I wasn't just satisfied, I was amazed! Billy took time to sit and explain the "whys" of what is happening to make our decisions that much more informed. He was always readily available, and he's lighthearted to help make all this less stressful.

Billy went above and

beyond for our refi.

Nick & Holly from San Mateo, CA

I have used Billy several times over the past 15 years to help secure funding for new purchases or for refinancing my existing loans. Billy is the consummate professional, he always follows up when I have questions and provides expert council when it comes to market conditions or loan options. When working with Billy, I truly feel he has my best interest in mind – especially when it comes to gathering the necessary documentation for your loan application – he takes his time to thoroughly explain the process and remains in constant contact from the time the application is submitted to the lender to the day we signed final docs. If you are in the market for a mortgage broker, there is simply no one better in the business.

J&K Smith from Auburn, CA

Buying a home can be quite stressful, no matter how excited you are about having that accepted offer. The loan process is extremely detailed. They will always need that one document you thought you would never need.

I am so thankful we were introduced to Billy Cunningham. He is organized and knowledgeable and made certain we understood everything about the process. Billy is prompt with returning messages and timely with the entire process. Consistent with following up with all parties involved in the process. He truly had our best interest in mind every step of the way. He even attended our sign off at title to address any concerns we might have had. An absolute expert!

TWOO from San Jose, CA

Billy was a great loan agent to work with. He was recommended to us from a friend and was with us every step of the way. He called daily to check in on how we were doing and filled us in on all information we needed. I would highly recommend Billy to any first time or seasoned home buyer as he has great knowledge of mortgage lending and is always available.