Local: 415-454-1130

charlie@emgmortgage.com
 

 

 

Local: 415-454-1130

charlie@emgmortgage.com
 

mortgage loans
 
 
 

Testimonials From Our Clients and Realtor Friends

Top 1% 2015

"I've worked with the Equitable team on three transactions and each time they have made the process seamless (and painless). Key to the results is maintaining great communication through the process, and everyone that I have ever dealt with on this team is personable and professional. I highly recommend Charlie and team to anyone looking for high-quality service." James, Los Angeles 

"Karen and Charlie made every step of the way easy and clear. They were always available to answer questions and explain everything to us making us confident in our decisions. They did everything in their powers to have us close a day early so we could start our son in ... "Angela, San Rafael

"I have worked with both Charlie and David throughout the loan process and they were on top of their game at all times. We were out of town for two weeks during the escrow and David has been available and reached out to us through what's app and updated us with each step of the process. They also found us a very favorable interest rate and their estimates were very accurate. I highly recommend Equity Mortgage Group and Charlie's team for your mortgage loan."  Ellen, San Rafael

"Charlie and his team prepared me very well and provided excellent service through the entire home loan process. With his help and expertise I was able to close the purchase of my new home in a very short period of time. This was a critical element to my transaction. He promised a very high level of performance and he delivered! I found their preparation and anticipation of the lenders requests for information extremely helpful. Charlie's team remained in constant communication with me and provided valuable guidance and insight throughout the entire process. I'm very grateful for their help and would recommend them to anyone looking to purchase a home or refinance an existing mortgage."Greg, San Rafael

"Charlie has done several loans for me - home purchase, refi, and home equity loans over the last 28 years. He is outstanding! Charlie is very responsive, he knows the business inside and out, offers smart recommendations and makes the loan process as easy and smooth as is possible. He is a man of integrity who works hard for his clients; their satisfaction is his top priority. One will be pleased with their experience in this ever-changing and challenging industry when they work with Charlie." Kaela, San Mateo

"I have worked with Charlie through several purchase and refinance transactions over the past 10 years. He is truly committed to insuring that your real estate transaction goes as smoothly as possible. I have learned a ton from Charlie over the years because he takes it upon himself to educate you, and to help you think through all of the options available to you. Charlie has huge integrity, is a pleasure to work with, and someone that I recommend to friends and family with confidence." Stefan, San Anselmo

"We have been working with Charlie Christensen and his team for nearly 20 years and consider him my "go to" person when it comes to real estate financing. In addition to our personal transactions, I have referred a number of my (financial planning/wealth management) clients to Charlie when the need arises. Not only is the service top notch, but he does the due diligence for the client and educates them about which option is going to be most cost effective based on their needs and objectives. I have heard very positive feedback from my clients after engaging Charlie. Tough to go wrong with "Team Christensen!"  Mary Ellen, Petaluma

"I don't normally write but I feel compelled to let you know how grateful I am to you. You were so nice to spend so much time explaining stuff to us - and re-explaining again and again! You really made this happen for us. We appreciate all your hard work so much - even the work we can't possibly know you did. You are so good at your job and I'm glad we had you by our side. I'm telling everyone I know to use you."  Liberty, Novato

"I find Charlie easy to work with, thorough, and responsive. I have worked with Charlie and his firm for my refinance and referred him to friends and clients. I find him easy to work with, thorough, and responsive. He explains all the options available, costs, payments, and terms of the loans available which allowed me to complete my financing with minimum head aches and delays."                     Ryan, San Anselmo

"I have known Charlie Christensen both personally and professionally for more than 13 years. I have spent my 24 year career in the mortgage industry, with the majority of that time calling on mortgage lenders as my clients. Charlie's approach always puts the client's best interest first and he requires the same of any member on his team. Without reservation, I recommend Charlie to my family, friends and anyone else who may be in need of real estate financing or even for scenario planning and mortgage counseling."  William, San Anselmo

"Charlie and his team have been very responsive to my needs and in finding me a loan. They seemed to take it in stride when I said I wasn't in a hurry only to find a house and tell them "I need it yesterday, offers are due". So, yes, I would definitely recommend Charlie and his team." Ryan, Larkspur

"Refinancing a home can be quite painful, unless you are working with the right people. Charlie and his team are extremely good at setting expectations early in the process, and staying on top of things as the process unfolds. I've used Charlie multiple times now, and will do so again!"  Theresa & Scott, Benicia 

"Charlie is a true professional! He not only is an expert in mortgages but also provides financial guidance based on his client's overall needs to assure the most appropriate loan is recommended. I know this from personal experience as Charlie has helped me secure two home loans!" Mike, Santa Rosa

"To Whom it may Concern, I have done business with Charlie for over 15 years and have always had a great experience. Within the last few years the requirements and paperwork needed to refinance have become almost impossible, but Charlie and his team work with you and guide you through the process and continue to make it seamless. Charlie is an honest professional with integrity and a pleasure to do business with." Mark, San Rafael

"I know it's a lot of 5 stars, Charlie deserves every single one. What sets him apart is a true concerns for one's needs, I can tell he really cared about our needs and cared about the quality of his work. Our loan was not easy to complete in 2005 and I know it's even more difficult in today's world, but if anyone can get it done any get it done right Charlie can, you won't find anyone with more energy." John, Marshall

"Charlie was very helpful throughout our home purchase. He gave us that personal attention and communication every step of the way. A home purchase and home loan is a big decision and it's nice to have that comfort and confidence during the process. We found that with Charlie." Vinny, Santa Rosa

"Charlie and his team of experts were incredibly helpful with the process of securing a loan for the purchase of our first home. From the ability to quickly generate easy to read loan charts based on our budget, to helpful advice navigating the many types of interest rates, we were so thankful to have Charlie's help. My wife and I highly recommend Equitable Mortgage." Rod, Fairfax

"Rod, FairfaxDavid Clark was great at handling my refinance. He was extremely patient as it took me awhile to get all my paperwork into him to get the process started. He explained all the different plans that I had available and help guide me on my decision. David was really professional throughout the entire process and I would definitely go back to EMG for my future mortgage needs." Haig,  El Cerrito 

"Charlie and his team were a joy to work with. They made our lives so much easier by really taking the time to walk us through the process and make sure we understood every option. David and Charlie were always responsive and any time we had questions, they were quick to help. I can't thank them enough for going above and beyond to help us purchase our home. I highly recommend connecting with Charlie and his team for your home finance needs!" Ryan, Petaluma

"Amazing team! We loved how much transparency they shared w us about all our options. Karen and Charlie were so patient and really walked us through each step of the process - the hand holding and cheerleading to get through to the finish line was much appreciated. We learned a lot from them as no question was ever a stupid one. Highly recommend!" Mariposa, San Rafael

"Karen and Charlie were helpful, insightful, and knowledgeable in all things loan-related. They were responsive to all questions and contributed to us closing on a 16 day escrow. The way this organization is able to break down all of the options and costs associated was nothing short of amazing. Would recommend to everyone I know!" Katie & Dillon, Oakland

"We have now purchased and refinanced with Equitable Mortgage Group and both experiences have been great. Charlie Christensen and his groups commitment to customer service is what earn my repeat business." Mike, Mission Viejo 

"They are awesome! Available on weekends, they follow up timely and make for smooth escrows! Fantastic group to work with." Colleen Madden, Golden Gate Sotheby’s International Realty

"Charlie was super helpful along the process of buying our first home. He went SO above and beyond to make sure we understood everything and that we felt confident in our decisions along the way. Highly recommended!" Nick, Petaluma

"Charlie is plain great.  Diligent, caring, and honest.  Does what he says and what you want not the other way around." Greg Kelisky, Ground Matrix

“Karen Mason is Tenacious about getting the job done. Helped us to close quickly.” Wes, Novato

“Exemplary service!”  Tracy, Ell Cerrito

“Despite my somewhat complicated personal circumstances, Charlie and Karen helped navigate me through a double refinancing with a combination of pleasantness and professionalism that made them a joy to work - I almost want to do it again! ;) ” Russell, San Rafael

“We have worked with Charlie and his team several times and they are, bar none, top notch professionals. They make the entire process simple, direct, and efficient. Highly recommended. There is absolutely no way you can go wrong choosing Charlie.”  Sonny & Serina, San Rafael

“Great company!! My team member was almost always available and when not responded immediately. The lender continually asked for more and more information and there was often successful push back on my behalf. Highly recommended!!” Gary, Novato

“Very responsive. Explained all options to find the right loan for what I needed. No pressure tactics and truly had my best interests in mind when recommending different loan types. Less than 30 days from start of escrow to close. Great job!” Blair, Guerneville

“It was a great experience working with David and his team at Equitable Mortgage Group. David’s knowledge, efficiency, help, professionalism, and care for us as people make his team stand out compared to other businesses in the industry. The process was more than just a deal, it was an experience where we developed friendship, trust, and were left very satisfied with the outcome. You will be thrilled you chose David and his team for your home mortgage loan as they are a wonderful group who CAN deliver!!” David & Danielley, Sonoma

“Charlie and his team could not be better. They provide the personal touch to the professional mortgage process. They got the best possible rate for me, and made everything easy for me. I can't speak highly enough about Charlie and his team!”  Vicki, Sausalito

“The Christensen team was very professional and patient with our many questions as first-time buyers. The rate they found was the most favorable and we were walked through the best options given our situation. The signature process was seamless and there was always a positive, can-do attitude.” Christian & Charlotte, Corte Madera 

“We are seniors on fixed income and were seeking a fairly unusual loan. Charlie's team outlined our options and secured an agreeable lender. Charlie's team did a lot of hand-holding while proactively working very hard with the lender to speed up and simplify the process for us. We are now very happy with the terms of our loan, which has helped us immensely to ease our financial concerns at this stage in our lives. Can't say enough wonderful things about them!” Rich & Bonnie, Olema

“I had the privilege of working with David Clark on Charlie's team to purchase my first home. I had spoken with 5 previous firms before linking up with David and he was BY FAR the most helpful in terms of understanding the entire economics of the mortgage process (FYI it is much more than the monthly payments that you get quoted off the top!), the best way to navigate the real estate agent selection process, strategy for submitting the right documentation to the bank, how to get ahead of potential slowdowns with the underwriters and finally being incredibly available to ease my anxiety throughout the process. David was also very helpful in walking me through the different mortgage products and how future life decisions impact the right product. David was also able to remove a few roadblocks to meet out 30-day close deadline which in the SF market is crucial. We were able to wire and close on day 30 even after the seller and bank told us earlier in the week there was "no way" it would close on time. David got in there and made it happen.  Overall I cannot recommend David enough to potential home buyers who want a trusted professional to help them with every aspect of the mortgage process.” Jeff & Susanna, San Francisco

“The Christensen team was outstanding in their commitment, diligence and process in getting my mortgage approved. They went well beyond what others might do to help me overcome closing hurdles and complete my transaction on time. They worked evenings, weekends, and even drove to my house on my behalf to get the loan completed. I would definitely recommend them to anyone who wants great rates, results and customer satisfaction experience.”  Rosemary, Farifax

“This is the third time I have worked with Charlie and his team to refinance my home. I know it seems like it shouldn't have been necessary to do so often, but falling interest rates coupled with two daughters approaching college age and a host of home improvement projects give you plenty of reasons to work to get the most you can out of the biggest asset you own. I have worked with Charlie, David and now Jana over the course of the past 6 years and would recommend any one of them without reservation. They each bring a true concern for their client and make sure that each step along the path is understood and that all paperwork is complete and accurate. That makes for no nasty surprises at closing time and a process getting there that is as painless as the lender will allow it to be.  I cannot recommend Charlie and his team highly enough. It has been a pleasure to work with all three of the people I have had contact with and I will send anyone who asks for a recommendation to their doorstep. Thanks so much!!” Mark, Concord

“We feel like we've hit the mortgage broker jackpot! Buying a property can be stressful and confusing. Thank you for going above and beyond answering all our questions with patience and clarity. We are blown away by your expertise, professionalism, work ethic, responsiveness, and availability. We'll cheerfully recommend you to anyone who needs mortgage help. Wish we could clone you for all customer service needs!” Ruth, Sonoma

 “David Clark at Charlie Christensen's office helped me and my husband with our first home loan. he was so patient with my questions (i had a lot of them) and explained things in a way that was easy to understand. He's smart, quick to return calls, and a great team player. really happy with the loan we got. It was all pretty painless!” Aryan, San Francisco

“Charlie and his team prepared me very well and provided excellent service through the entire home loan process. With his help and expertise I was able to close the purchase of my new home in a very short period of time. This was a critical element to my transaction. He promised a very high level of performance and he delivered! I found their preparation and anticipation of the lenders requests for information extremely helpful. Charlie's team remained in constant communication with me and provided valuable guidance and insight throughout the entire process. I'm very grateful for their help and would recommend them to anyone looking to purchase a home or refinance an existing mortgage.” Greg, San Rafael

“I have worked with both Charlie and David throughout the loan process and they were on top of their game at all times. We were out of town for two weeks during the escrow and David has been available and reached out to us through what's app and updated us with each step of the process. They also found us a very favorable interest rate and their estimates were very accurate. I highly recommend Equity Mortgage Group and Charlie's team for your mortgage loan.” Aras, San Francisco

David and Charlie were wonderful to work with! They were always responsive and answered our many questions in detail. We appreciated that they really took their time to walk us through the entire process and ensure that we understood our options. David went above and beyond to guarantee a quick close for us. As first-time buyers, we were able to sleep at night knowing that David and Charlie were on our team!" Stephanie, Petaluma

"I just closed my refinance loan with Charlie Christensen and his fabulous associate Karen Mason. Mine was a tricky situation, and Karen and Charlie addressed every issue/need as it arose. All interactions were professional and clearly fine tuned to meet my individual needs. I highly recommend the Christensen Team!" Julia, Fairfax

"The team at The Christensen team were outstanding in their commitment, diligence and process in getting my mortgage approved. They went well beyond what others might do to help me overcome closing hurdles and complete my transaction on time. They worked evenings, weekends, and even drove to my house on my behalf to get the loan completed. I would definitely recommend them to anyone who wants great rates, results and customer satisfaction experience." Paul, Fairfax

"Hi Karen! I moved in yesterday. Thank you for your help, calm, and expertise.  Business is business, but you helped me make a dream come true.  It's important to me to say thank you for that!" Tom, Tiburon

"The process was a breeze.  The team was helpful and responsive.  We are going to save A LOT of money!” Vlad, Tiburon

"I wanted to take a moment to say thank you from the bottom of my heart. Through the thick and thin of it, I could really count on each one of you and so very much appreciate all the hard work that you did, and especially the push to get this to close so quickly. Much appreciation – have a great weekend!" Mary, San Anselmo

"We are blown away by your expertise, professionalism, work ethic, responsiveness, clarity and availability.  We will cheerfully recommend you to whoever needs real estate help." Ruth, San Rafael

"Hi David, Annnd we're done! We want to be sure to thank you from the bottoms of our hearts for being so wonderful through this process. You provided great guidance and helpful explanations when we really needed it. We want to leave you positive testimonials so other people know how awesome you are as a broker. Are there specific sites on which you have a profile that would be best? Just let us know! Take care! Shari and Alex, Novato

"Hi Charlie, Angie, the girls and I are still realizing how grateful we are to get into this house…it is just starting to sink in.  Obviously, you guys do this so often and it is such an important milestone for first time buyers like us, and we have learned a great deal in this process.  We admire the huge piece you, David and your team have fulfilled for our family.  Angie and I were just discussing how we are in awe of the type of minds you and David have and your knowledge of the financial and market side of "making dreams come true" for people.  As well as your patience with the many questions and repetitive explanations, thank you Mr. Clark!   It must feel good to be a company that works in this capacity.  We also can not thank Jonathan enough for referring us to you you, we have come to trust him like no other and it just goes to further prove his value and good judgement.We will be in touch and update you soon.Warm Regards," Jason & Angie, Woodacre

"Charlie and Erin, Thank you so very much for taking the time to actually LOOK at my finances (as a small business owner).  I had a few other loan companies just glance at my taxes and completely blow me off (one said I could buy a home up-to $375K lol) and of course you got me the $665k I needed! You and your staff took the time to understand my business model, income stream and taxes and present it to an underwriter who also was interested in my business. Without you taking those steps, we’d still be on the sidelines of the housing market. Again, thanks so much." Jeff, Gilroy

"I just recently worked with Equitable Mortgage group to finance my home. They were truly exceptional. They provided a spreadsheet at my very first consultation that clearly laid out all the different options on how to finance my new home. But not only that, it also proved to be totally accurate in the end. Amazing! No hidden cost or fees. Everything was very easily understandable. We also got the house I wanted because they were able to get the loan documents in an impressive short time. In addition they were very very approachable esp. to the multitude of questions we bombarded them with. I can only highly recommend them. Strong Work!" Frank V, MD, Mill Valley

"Erin, Charlie - Thank you too! I certainly appreciated your hard work and professionalism throughout this process. Gaylen spoke highly of your team from day one and I can clearly see why. I look forward to recommending your team to my friends, family, and peers. Thanks again." Brendan and Jessica, Oakland

"Hi Charlie, without David this would not have been possible... You have someone fantastic people on your staff! You and your staff  will come highly recommended. Thank you again!" Eva, San Lorenzo

"I highly recommend Charlie Christensen. I  am sure he will do a great job for you. Honestly one of the best mortgage people I have ever met." Jason Holmes, Holmes Burrell Real Estate

"Hi Charlie & David, We closed escrow on the home purchase this morning. Thanks to you, I know have huge boulders on my shoulders for many years to follow. On behalf of my family, I want to thank you for pulling through and helping us with our loan. You guys are a great team!! Please keep me posted when it’s a good time to refi. Best Regards." Will, Pleasanton

"In regards to financing there is only ONE person to call these days. And trust me, I have worked with them all. My main guy, my go-to guy, my ONLY guy is Charlie Christensen at Equitable Mortgage Group. He and his team are the most thorough, competitive and responsive professionals that I have EVER had the pleasure to work with." Jonathan Marks, Alain Pinel

"David has done a great job for Sarah and me.  He did a wonderful job of communicating what needed to be done and reminding me when I needed it, without being pushy. I feel like I understand what we’re getting in to with this ARM loan and I think we have chosen a package that makes sense for what we envision the next 7 years to be. That is a credit to both you and David for helping us choose a loan product that made sense for us, rather than just taking the safe route with a 20 or 30 year fixed rate.  And as far as managing expectations, I think David is to be commended there as well.  I have done this a few times before, so I wasn’t a complete newbie, but he didn’t over promise.  He did what he said he would do and I couldn’t be more pleased with how easy it has been – especially compared to last time when I did it all myself through BofA.  Never again!" Mark, Concord

"This is why I love working with Charlie and his team! Another on-time closing on a tough deal with tight timelines! So proactive and willing to get it done. We had a 12 day loan contingency which is stellar in my opinion. Great service, follow through, follow up after the transaction and just easy to work with. I recommend Charlie and his team highly!" Gaylen Roberts, Highland Partners

"Erin/Charlie - I really want to thank you for the dedication and attention you paid us.  As soon as we contacted you to say we were truly ready to move forward, you were lockstep with us and it brought tremendous comfort along the way to a nerve-wracking process.  Although I should not forget to mention that you really helped us prepare to be ready for the process so that we did not run into issues.  You came highly recommended and I can now say I would highly recommend you to anyone I know in the market." Nancy and Chris, Mission Viejo

"Dear Charlie, I know this wasn't the easiest of escrows. Hopefully the refi goes better. I so appreciate your attention to details, exploration of scenarios, thoughtful planning for Deborah and Scott and patient communication. I've been at this for over 25 years, and never before have I seen such a thorough recap for the buyers before signing. Definitely a cut above." Thanks again, regards..." Alyssa DiFilippo, Terra Bella Properties

"Charlie, it's difficult to convey enough thanks to both you and Erin, especially in light of the emotional roller coaster we encountered with Wells Fargo. We had decided to give up the quest less than two weeks ago! As I said before it kinda restores our faith in humanity. A simple thank you doesn't seem near enough for both of you, but it certainly is heartfelt from both Mary Lou and myself..." Tom and Mary Lou, San Anselmo

"Charlie, I had dinner with Trina last night and she couldn't say enough good things about you and your impeccable service. She said you were the third mortgage broker she talked to and the only one that made any sense or took the time to really explain the process to her.  So thank you for taking such good care of her." Cari Gennarelli, Marin Modern Real Estate

"Hi all! Super busy day so just getting to this. But I wanted to express a sincere and heartfelt THANK YOU to all of you who helped make this possible. As I said to David yesterday, you somehow managed to turn a crazy and overwhelming process into a piece of cake. I have already been singing your praises to everyone I've spoke with about the process and will continue to do so. You guys are an incredible team and we feel so grateful to have found you. Thank you so much for your help. We could not be more excited about our new home!" Jonah, Novato

"Ginger and I want to take a moment to express our sincere thanks to each of you.  Without exception, each of you operated with incredible professionalism and worked hard to help a couple of hyperventilating home buyers see the bigger picture and keep things in perspective.  While transactions of this nature are routine to all of you, for Ginger and me, this was a major life event.  That said, our gratitude can’t be understated.  Thanks again for all you did to help us complete this important transaction!!" Bert and Ginger, San Anselmo

"Hi Erin, I just wanted to thank you guys for all your patience, time and energy with this home loan!  I really did not think this loan could come together so quickly. I'm really impressed by you and Charlie and wanted to express my sincere thanks and appreciation." Omid, Oakland

"Hi Jana, I'm not sure if I ever responded to your last email...but thank you so much for all the help you provided us during our refinance!  You were wonderful to work with and extremely responsive.  Hope you are doing well and I'm sure you're looking forward to your soon approaching new arrival!" Joanna, San Francisco

"Charlie and Erin:  You made the process so much easier than I would have ever expected.  I know there were a lot of questions from us being first time buyers, but you always were able to explain things in "layman's terms" and kept us in the loop on what was happening.  Can't say thank you enough for everything." Greg and Jeannie, San Rafael

"Erin- you guys are one of the most responsive, organized, efficient and reputable businesses that I have had the pleasure to work with. You went above and beyond for us and we will never forget that. We will always refer our friends and family to you. Thank you!! Laura, San Rafael

"Thank you Charlie. You and your staff make the process very easy which is greatly appreciated! Have a wonderful holiday!" Charalynn, Antioch

"Happy Thanksgiving to you Charlie, and your dedicated staff! I'm very appreciative of the communication and graciousness of your staff. The communication was clear, concise and very organized. Good communication is so important. In business there is no higher compliment! All the best! Arthur, Belvedere

Charlie, Thank you for all your hard work. It's great to do business with TRUE professionals! You can always count on me to recommend you personally, and the entire Equitable Mortgage Group team as trustworthy and first-rate industry professionals. Thank you again! Gerry, Sausalito

Charlie, I wanted to thank you and Jana for what you did for me. We LOVE our new home and thanks to you it happened! I will always HIGHLY recommend you to my friends, family and acquaintances who may be in the market for a home or a refinance. It’s been a dream come true, and I’m very proud to have done business with you. Hope to see you next time around!! Nick, Vallejo

"Hello Charlie and Jana, I've been meaning to contact you and really thank all of you for making the process go smoothly and seem easy to me after some of the things I’ve heard from other home buyers. You guys are the best! Sincerly and Gratefully" Kevin, Oakland

"I will never forget how you kept the commitments that you made to me and my family all through the process of making our refinance a reality.  We felt like we were dealing with a close friend, because we found we could count on you to be available to honestly answer our questions and concerns on an as needed basis.  It has been refreshing to find a business with such high standards and integrity.  Good luck to you in your future!! I would just like to finish by saying I am totally honored to do business with you because you have shown so much integrity in standing behind all of the promises that were made. Working with you has been definitely uplifting." Carole, Newark

"Professional, courteous, excellent follow up. Like taking a step back into the past where customer service was something of value." David and Phyllis, Castro Valley

"I have worked with many mortgage professionals over the past 30 years. The experience with your team was by far the best. I will gladly return for future business and recommend you to my friends. Thanks for the great service." Richard, San Jose

"It is hard to put into words how grateful we are to you but I do want you to understand that we know that this wouldn’t have been possible without your time, effort, and concern for our future. You are an awesome company and I hope in the future there will be some way to be able to show our true appreciation for all that you have done. While this is a huge commitment, we are both beside ourselves in excitement. You are the greatest...thank you, thank you, thank you!!!" Mike, Novato

"You did everything so well! Thanks for your hard work and market expertise -- it means a lot to us to have solid professionals in our corner!" Margot, Novato

"We really appreciate the work-ups you provided; they were excellent. The review of multiple scenarios really is educational and would make it easy to select a mortgage in an informed manner. We will keep your contact information; you can be sure we will use your services in the future.  I will also send along your contact info to my pals via email.  We were very impressed with the quality of your service and information." Mary, San Rafael

"Thank you for all your help and persistence in making my dream come true. I love my new home!" Toni, Vallejo

Incredible. very easy, what I wanted, friendly, All good, Thanks. We are a good testimonial for you." Bill and Jennifer, San Anselmo

"You are Awesome!! :-> Thanks EMG - I'll definitely recommend you to anyone who needs a loan!! Robin, Richmond

Thank you, thank you, thank you!! You were an absolute pleasure to work with and I will most definitely refer you to others!!! All the best, Trina, San Francisco

"This has been an amazing process - so easy. I appreciate all your work. " Katy, Napa

"Leonard and I are very happy to have gone through this process, and you/your office made this a painless exercise.  We had been prepared for something much worse!" Quiana, Berkeley

"Thanks so much! Another perfectly delightful transaction with you!" Mary, Lake Tahoe

"Thank you again for handling our loan with great efficiency and professionalism - we both really appreciate your super service." Jen and Russell, San Rafael

"You provided excellent financial service advice and solutions to accommodate a fast move from southern California to northern California. If ever there was someone who in crunch time can produce results, think outside the box, and do so with the utmost integrity and reliability, it's you. Thanks!" George, Tiburon

"You were the best loan people that I have ever had the opportunity to work with. And, even though I know that this is only business, character and relationship mean a lot to me - and you came across with integrity." Stefnie, Pasadena

"Lynn and I appreciate all your help on our refi. It was the most trouble-free refi we've ever experienced. I particularly like that you took the application over the phone. We will definitely recommend you to our friends." Neil, San Rafael

"I just wanted to take the time and commend your choice of employees. They are not only professional but have been very kind when I call them frantically with issues. Not to mention they often have gone way beyond the call of duty. They have really helped us get through this refi and I wanted you to know the fantastic job they have been doing. Thanks for your help. Babak and Mailana, Lafayette

"Thank you so much for your help (& that of all in your office). We were so pleased with the attention and response that your staff gave us during the insanity of purchasing a house! Lisa and Benjamin, Mill Valley

"We just wanted to give a warm heartfelt thank you to the family of EMG. The entire staff made our fist home buying experience wonderful. We appreciate all of the time and effort that went into making our dream turn into a reality. Thanks again! Sincerely, Joel and Kristy, Pleasanton

"We are situated in our new home in Novato in record time! Your company's timely and professional service made a big difference during the escrow process. We enjoyed working with you and appreciate your responsiveness and your excellent staff. Thank you!" Marty and Deanna, Novato

"I have been meaning to come by one morning to personally thank you and your team for the awesome job you did with our refinance. Everything you told us about the process was 100% correct! I will be sure to refer you to family and friends as you are truly the experts." Theresa, Benicia

"I don't normally write but I feel compelled to to let you know how grateful I am to you. You were so nice to spend so much time explaining stuff to us - and re-explaining again and again! You really made this happen for us. We appreciate all your hard work so much - even the work we can't possibly know you did. You are so good at your job and I'm glad we had you by our side. I'm telling everyone I know to use you." Liberty, Novato

"Alas, I wanted to thank you for making my refinance such a pleasant experience. It was short and sweet; thanks for clearly explaining all my options so that I could make the best decision for me and my future goals. You and your professional staff are to be commended and, with first-hand experience, I will gladly recommend you to my clients." Desiree, Oakland

"You have been extremely responsive and helpful to us and we appreciate your patience and hard work in addressing these few remaining concerns. Both Ann and I greatly appreciate your patience, hard work, and assistance in working with us to obtain a mortgage loan for the Belle Terre property. Thank you again for all your efforts." Thomas and Ann, Novato

"Thank you for including me in your newsletter mailing. Great information! It was so much fun to meet you the other day - and what a fantastic gift! You know I crave my new toolkit! What a keen thing and how sweet of you to give it to me. I'll keep your cards on hand and will definitely recommend you to others! Best wishes!" Lyn, San Rafael

"This is my third home purchase and this has been the best experience by far. The work you did with me to improve my credit scores was fantastic! I calculated my savings, as a result of the credit score work, and you saved me $73,125! Thank you very, very much." Vince, San Francisco

"Thanks for all your help. You were great to work with and a true professional. I will be back in a few years to refi, so keep me in your files! I will send people your way if anyone I know is interested in a first time home loan or re-if. Thanks" Nick, Novato

"You guys were the best. We've done a lot of these transactions and NEVER has it been so smooth. Unlike the other deals we've done, there was no bull and no surprises throughout the entire process. You guys are absolutely the best." Lisa & Brad, Concord

"We have really appreciated working with you. In the many years we have been homeowners we have never had an experience even as remotely positive as the one we had with you. Your customer service rates A-1. The older I get, the more I appreciate being treated with respect and concern. Rest assured that we will recommend you to anyone we know who is seeking a loan. Thank you." Sue, Union City

"EMG, just a quick note to say thanks for your efforts on our new home purchase in San Rafael. You are making the move so simple." George and Cynthia, Novato

"We just wanted to say thank you from both of us to all of you.  You and your entire staff made it happen and it was quite remarkable.  We are in our new home by the bay in Vallejo.....and it is better than we ever expected.  We absolutely love it!.  Thanks again for all the hard work. Take care and God bless." Michelle and Jim, Vallejo
 

"You were great. This was the easiest escrow we have ever had!" Stella, Novato

"You made this a very simple process. Our calls were always returned or answered - even in the busy environment that must exist now. Thanks." Ed, Mill Valley
 
"Just a quick note to say thanks to you and your staff for taking care of our refinance and purchase. I appreciate how smoothly the process went. I've already passed on your contact information to friends, so you may hear from them soon. Cheers." Sudha, San Rafael
 
"Thank you, thank you, thank you...you saved us with the fastest home equity line in history - that was everything we wished for. Please enjoy an Omaha Steaks cookout as part of our thanks while we search for home-buying friends to send your way" Joce and Bob, Lafayette
 
"You did a fantastic job on the analysis. Thank you...If we need a loan in the future, I will definitely keep you in mind. Thanks so much for your prompt and professional work." Carmen, North Bay
 
"Thank you so much for all you did for us. You have taken a lot of stress out of our lives!"Kaela and Tim, Belmont
 

"The EMG team was professional, knowledgeable, and responsive to our needs.  I will refer them to my family and friends without hesitation." John and Denise, Petaluma

"You are bright, friendly and resourceful.  You made our lives easier as we made our way through the loan process."Jeffrey and Dianne, Mill Valley 

"Thanks a million. You guys made it so easy. I have never had a loan go through as easy as this one. I am so happy I found you. Thank you for your professionalism.....You guys are the absolute best!" Gary, San Anselmo

"Thank you both so very much for working with Angie and Jason. I am extremely impressed by your customer service and will absolutely be referring you in the future. You are true professionals! Jessica Allen Cleary, Holmes Burrell Real Estate

"Omar and I truly appreciate your professionalism, attention to detail and ease of working with you. Your group has already made one of our dreams come true and now a second in a few days. We look forward to our partnership over the years to come." Omar and Kelly, Windsor

Top 1% 2015

"I've worked with the Equitable team on three transactions and each time they have made the process seamless (and painless). Key to the results is maintaining great communication through the process, and everyone that I have ever dealt with on this team is personable and professional. I highly recommend Charlie and team to anyone looking for high-quality service." James, Los Angeles 

"Karen and Charlie made every step of the way easy and clear. They were always available to answer questions and explain everything to us making us confident in our decisions. They did everything in their powers to have us close a day early so we could start our son in ... "Angela, San Rafael

"I have worked with both Charlie and David throughout the loan process and they were on top of their game at all times. We were out of town for two weeks during the escrow and David has been available and reached out to us through what's app and updated us with each step of the process. They also found us a very favorable interest rate and their estimates were very accurate. I highly recommend Equity Mortgage Group and Charlie's team for your mortgage loan."  Ellen, San Rafael

"Charlie and his team prepared me very well and provided excellent service through the entire home loan process. With his help and expertise I was able to close the purchase of my new home in a very short period of time. This was a critical element to my transaction. He promised a very high level of performance and he delivered! I found their preparation and anticipation of the lenders requests for information extremely helpful. Charlie's team remained in constant communication with me and provided valuable guidance and insight throughout the entire process. I'm very grateful for their help and would recommend them to anyone looking to purchase a home or refinance an existing mortgage."Greg, San Rafael

"Charlie has done several loans for me - home purchase, refi, and home equity loans over the last 28 years. He is outstanding! Charlie is very responsive, he knows the business inside and out, offers smart recommendations and makes the loan process as easy and smooth as is possible. He is a man of integrity who works hard for his clients; their satisfaction is his top priority. One will be pleased with their experience in this ever-changing and challenging industry when they work with Charlie." Kaela, San Mateo

"I have worked with Charlie through several purchase and refinance transactions over the past 10 years. He is truly committed to insuring that your real estate transaction goes as smoothly as possible. I have learned a ton from Charlie over the years because he takes it upon himself to educate you, and to help you think through all of the options available to you. Charlie has huge integrity, is a pleasure to work with, and someone that I recommend to friends and family with confidence." Stefan, San Anselmo

"We have been working with Charlie Christensen and his team for nearly 20 years and consider him my "go to" person when it comes to real estate financing. In addition to our personal transactions, I have referred a number of my (financial planning/wealth management) clients to Charlie when the need arises. Not only is the service top notch, but he does the due diligence for the client and educates them about which option is going to be most cost effective based on their needs and objectives. I have heard very positive feedback from my clients after engaging Charlie. Tough to go wrong with "Team Christensen!"  Mary Ellen, Petaluma

"I don't normally write but I feel compelled to let you know how grateful I am to you. You were so nice to spend so much time explaining stuff to us - and re-explaining again and again! You really made this happen for us. We appreciate all your hard work so much - even the work we can't possibly know you did. You are so good at your job and I'm glad we had you by our side. I'm telling everyone I know to use you."  Liberty, Novato

"I find Charlie easy to work with, thorough, and responsive. I have worked with Charlie and his firm for my refinance and referred him to friends and clients. I find him easy to work with, thorough, and responsive. He explains all the options available, costs, payments, and terms of the loans available which allowed me to complete my financing with minimum head aches and delays."                     Ryan, San Anselmo

"I have known Charlie Christensen both personally and professionally for more than 13 years. I have spent my 24 year career in the mortgage industry, with the majority of that time calling on mortgage lenders as my clients. Charlie's approach always puts the client's best interest first and he requires the same of any member on his team. Without reservation, I recommend Charlie to my family, friends and anyone else who may be in need of real estate financing or even for scenario planning and mortgage counseling."  William, San Anselmo

"Charlie and his team have been very responsive to my needs and in finding me a loan. They seemed to take it in stride when I said I wasn't in a hurry only to find a house and tell them "I need it yesterday, offers are due". So, yes, I would definitely recommend Charlie and his team." Ryan, Larkspur

"Refinancing a home can be quite painful, unless you are working with the right people. Charlie and his team are extremely good at setting expectations early in the process, and staying on top of things as the process unfolds. I've used Charlie multiple times now, and will do so again!"  Theresa & Scott, Benicia 

"Charlie is a true professional! He not only is an expert in mortgages but also provides financial guidance based on his client's overall needs to assure the most appropriate loan is recommended. I know this from personal experience as Charlie has helped me secure two home loans!" Mike, Santa Rosa

"To Whom it may Concern, I have done business with Charlie for over 15 years and have always had a great experience. Within the last few years the requirements and paperwork needed to refinance have become almost impossible, but Charlie and his team work with you and guide you through the process and continue to make it seamless. Charlie is an honest professional with integrity and a pleasure to do business with." Mark, San Rafael

"I know it's a lot of 5 stars, Charlie deserves every single one. What sets him apart is a true concerns for one's needs, I can tell he really cared about our needs and cared about the quality of his work. Our loan was not easy to complete in 2005 and I know it's even more difficult in today's world, but if anyone can get it done any get it done right Charlie can, you won't find anyone with more energy." John, Marshall

"Charlie was very helpful throughout our home purchase. He gave us that personal attention and communication every step of the way. A home purchase and home loan is a big decision and it's nice to have that comfort and confidence during the process. We found that with Charlie." Vinny, Santa Rosa

"Charlie and his team of experts were incredibly helpful with the process of securing a loan for the purchase of our first home. From the ability to quickly generate easy to read loan charts based on our budget, to helpful advice navigating the many types of interest rates, we were so thankful to have Charlie's help. My wife and I highly recommend Equitable Mortgage." Rod, Fairfax

"Rod, FairfaxDavid Clark was great at handling my refinance. He was extremely patient as it took me awhile to get all my paperwork into him to get the process started. He explained all the different plans that I had available and help guide me on my decision. David was really professional throughout the entire process and I would definitely go back to EMG for my future mortgage needs." Haig,  El Cerrito 

"Charlie and his team were a joy to work with. They made our lives so much easier by really taking the time to walk us through the process and make sure we understood every option. David and Charlie were always responsive and any time we had questions, they were quick to help. I can't thank them enough for going above and beyond to help us purchase our home. I highly recommend connecting with Charlie and his team for your home finance needs!" Ryan, Petaluma

"Amazing team! We loved how much transparency they shared w us about all our options. Karen and Charlie were so patient and really walked us through each step of the process - the hand holding and cheerleading to get through to the finish line was much appreciated. We learned a lot from them as no question was ever a stupid one. Highly recommend!" Mariposa, San Rafael

"Karen and Charlie were helpful, insightful, and knowledgeable in all things loan-related. They were responsive to all questions and contributed to us closing on a 16 day escrow. The way this organization is able to break down all of the options and costs associated was nothing short of amazing. Would recommend to everyone I know!" Katie & Dillon, Oakland

"We have now purchased and refinanced with Equitable Mortgage Group and both experiences have been great. Charlie Christensen and his groups commitment to customer service is what earn my repeat business." Mike, Mission Viejo 

"They are awesome! Available on weekends, they follow up timely and make for smooth escrows! Fantastic group to work with." Colleen Madden, Golden Gate Sotheby’s International Realty

"Charlie was super helpful along the process of buying our first home. He went SO above and beyond to make sure we understood everything and that we felt confident in our decisions along the way. Highly recommended!" Nick, Petaluma

"Charlie is plain great.  Diligent, caring, and honest.  Does what he says and what you want not the other way around." Greg Kelisky, Ground Matrix

“Karen Mason is Tenacious about getting the job done. Helped us to close quickly.” Wes, Novato

“Exemplary service!”  Tracy, Ell Cerrito

“Despite my somewhat complicated personal circumstances, Charlie and Karen helped navigate me through a double refinancing with a combination of pleasantness and professionalism that made them a joy to work - I almost want to do it again! ;) ” Russell, San Rafael

“We have worked with Charlie and his team several times and they are, bar none, top notch professionals. They make the entire process simple, direct, and efficient. Highly recommended. There is absolutely no way you can go wrong choosing Charlie.”  Sonny & Serina, San Rafael

“Great company!! My team member was almost always available and when not responded immediately. The lender continually asked for more and more information and there was often successful push back on my behalf. Highly recommended!!” Gary, Novato

“Very responsive. Explained all options to find the right loan for what I needed. No pressure tactics and truly had my best interests in mind when recommending different loan types. Less than 30 days from start of escrow to close. Great job!” Blair, Guerneville

“It was a great experience working with David and his team at Equitable Mortgage Group. David’s knowledge, efficiency, help, professionalism, and care for us as people make his team stand out compared to other businesses in the industry. The process was more than just a deal, it was an experience where we developed friendship, trust, and were left very satisfied with the outcome. You will be thrilled you chose David and his team for your home mortgage loan as they are a wonderful group who CAN deliver!!” David & Danielley, Sonoma

“Charlie and his team could not be better. They provide the personal touch to the professional mortgage process. They got the best possible rate for me, and made everything easy for me. I can't speak highly enough about Charlie and his team!”  Vicki, Sausalito

“The Christensen team was very professional and patient with our many questions as first-time buyers. The rate they found was the most favorable and we were walked through the best options given our situation. The signature process was seamless and there was always a positive, can-do attitude.” Christian & Charlotte, Corte Madera 

“We are seniors on fixed income and were seeking a fairly unusual loan. Charlie's team outlined our options and secured an agreeable lender. Charlie's team did a lot of hand-holding while proactively working very hard with the lender to speed up and simplify the process for us. We are now very happy with the terms of our loan, which has helped us immensely to ease our financial concerns at this stage in our lives. Can't say enough wonderful things about them!” Rich & Bonnie, Olema

“I had the privilege of working with David Clark on Charlie's team to purchase my first home. I had spoken with 5 previous firms before linking up with David and he was BY FAR the most helpful in terms of understanding the entire economics of the mortgage process (FYI it is much more than the monthly payments that you get quoted off the top!), the best way to navigate the real estate agent selection process, strategy for submitting the right documentation to the bank, how to get ahead of potential slowdowns with the underwriters and finally being incredibly available to ease my anxiety throughout the process. David was also very helpful in walking me through the different mortgage products and how future life decisions impact the right product. David was also able to remove a few roadblocks to meet out 30-day close deadline which in the SF market is crucial. We were able to wire and close on day 30 even after the seller and bank told us earlier in the week there was "no way" it would close on time. David got in there and made it happen.  Overall I cannot recommend David enough to potential home buyers who want a trusted professional to help them with every aspect of the mortgage process.” Jeff & Susanna, San Francisco

“The Christensen team was outstanding in their commitment, diligence and process in getting my mortgage approved. They went well beyond what others might do to help me overcome closing hurdles and complete my transaction on time. They worked evenings, weekends, and even drove to my house on my behalf to get the loan completed. I would definitely recommend them to anyone who wants great rates, results and customer satisfaction experience.”  Rosemary, Farifax

“This is the third time I have worked with Charlie and his team to refinance my home. I know it seems like it shouldn't have been necessary to do so often, but falling interest rates coupled with two daughters approaching college age and a host of home improvement projects give you plenty of reasons to work to get the most you can out of the biggest asset you own. I have worked with Charlie, David and now Jana over the course of the past 6 years and would recommend any one of them without reservation. They each bring a true concern for their client and make sure that each step along the path is understood and that all paperwork is complete and accurate. That makes for no nasty surprises at closing time and a process getting there that is as painless as the lender will allow it to be.  I cannot recommend Charlie and his team highly enough. It has been a pleasure to work with all three of the people I have had contact with and I will send anyone who asks for a recommendation to their doorstep. Thanks so much!!” Mark, Concord

“We feel like we've hit the mortgage broker jackpot! Buying a property can be stressful and confusing. Thank you for going above and beyond answering all our questions with patience and clarity. We are blown away by your expertise, professionalism, work ethic, responsiveness, and availability. We'll cheerfully recommend you to anyone who needs mortgage help. Wish we could clone you for all customer service needs!” Ruth, Sonoma

 “David Clark at Charlie Christensen's office helped me and my husband with our first home loan. he was so patient with my questions (i had a lot of them) and explained things in a way that was easy to understand. He's smart, quick to return calls, and a great team player. really happy with the loan we got. It was all pretty painless!” Aryan, San Francisco

“Charlie and his team prepared me very well and provided excellent service through the entire home loan process. With his help and expertise I was able to close the purchase of my new home in a very short period of time. This was a critical element to my transaction. He promised a very high level of performance and he delivered! I found their preparation and anticipation of the lenders requests for information extremely helpful. Charlie's team remained in constant communication with me and provided valuable guidance and insight throughout the entire process. I'm very grateful for their help and would recommend them to anyone looking to purchase a home or refinance an existing mortgage.” Greg, San Rafael

“I have worked with both Charlie and David throughout the loan process and they were on top of their game at all times. We were out of town for two weeks during the escrow and David has been available and reached out to us through what's app and updated us with each step of the process. They also found us a very favorable interest rate and their estimates were very accurate. I highly recommend Equity Mortgage Group and Charlie's team for your mortgage loan.” Aras, San Francisco

David and Charlie were wonderful to work with! They were always responsive and answered our many questions in detail. We appreciated that they really took their time to walk us through the entire process and ensure that we understood our options. David went above and beyond to guarantee a quick close for us. As first-time buyers, we were able to sleep at night knowing that David and Charlie were on our team!" Stephanie, Petaluma

"I just closed my refinance loan with Charlie Christensen and his fabulous associate Karen Mason. Mine was a tricky situation, and Karen and Charlie addressed every issue/need as it arose. All interactions were professional and clearly fine tuned to meet my individual needs. I highly recommend the Christensen Team!" Julia, Fairfax

"The team at The Christensen team were outstanding in their commitment, diligence and process in getting my mortgage approved. They went well beyond what others might do to help me overcome closing hurdles and complete my transaction on time. They worked evenings, weekends, and even drove to my house on my behalf to get the loan completed. I would definitely recommend them to anyone who wants great rates, results and customer satisfaction experience." Paul, Fairfax

"Hi Karen! I moved in yesterday. Thank you for your help, calm, and expertise.  Business is business, but you helped me make a dream come true.  It's important to me to say thank you for that!" Tom, Tiburon

"The process was a breeze.  The team was helpful and responsive.  We are going to save A LOT of money!” Vlad, Tiburon

"I wanted to take a moment to say thank you from the bottom of my heart. Through the thick and thin of it, I could really count on each one of you and so very much appreciate all the hard work that you did, and especially the push to get this to close so quickly. Much appreciation – have a great weekend!" Mary, San Anselmo

"We are blown away by your expertise, professionalism, work ethic, responsiveness, clarity and availability.  We will cheerfully recommend you to whoever needs real estate help." Ruth, San Rafael

"Hi David, Annnd we're done! We want to be sure to thank you from the bottoms of our hearts for being so wonderful through this process. You provided great guidance and helpful explanations when we really needed it. We want to leave you positive testimonials so other people know how awesome you are as a broker. Are there specific sites on which you have a profile that would be best? Just let us know! Take care! Shari and Alex, Novato

"Hi Charlie, Angie, the girls and I are still realizing how grateful we are to get into this house…it is just starting to sink in.  Obviously, you guys do this so often and it is such an important milestone for first time buyers like us, and we have learned a great deal in this process.  We admire the huge piece you, David and your team have fulfilled for our family.  Angie and I were just discussing how we are in awe of the type of minds you and David have and your knowledge of the financial and market side of "making dreams come true" for people.  As well as your patience with the many questions and repetitive explanations, thank you Mr. Clark!   It must feel good to be a company that works in this capacity.  We also can not thank Jonathan enough for referring us to you you, we have come to trust him like no other and it just goes to further prove his value and good judgement.We will be in touch and update you soon.Warm Regards," Jason & Angie, Woodacre

"Charlie and Erin, Thank you so very much for taking the time to actually LOOK at my finances (as a small business owner).  I had a few other loan companies just glance at my taxes and completely blow me off (one said I could buy a home up-to $375K lol) and of course you got me the $665k I needed! You and your staff took the time to understand my business model, income stream and taxes and present it to an underwriter who also was interested in my business. Without you taking those steps, we’d still be on the sidelines of the housing market. Again, thanks so much." Jeff, Gilroy

"I just recently worked with Equitable Mortgage group to finance my home. They were truly exceptional. They provided a spreadsheet at my very first consultation that clearly laid out all the different options on how to finance my new home. But not only that, it also proved to be totally accurate in the end. Amazing! No hidden cost or fees. Everything was very easily understandable. We also got the house I wanted because they were able to get the loan documents in an impressive short time. In addition they were very very approachable esp. to the multitude of questions we bombarded them with. I can only highly recommend them. Strong Work!" Frank V, MD, Mill Valley

"Erin, Charlie - Thank you too! I certainly appreciated your hard work and professionalism throughout this process. Gaylen spoke highly of your team from day one and I can clearly see why. I look forward to recommending your team to my friends, family, and peers. Thanks again." Brendan and Jessica, Oakland

"Hi Charlie, without David this would not have been possible... You have someone fantastic people on your staff! You and your staff  will come highly recommended. Thank you again!" Eva, San Lorenzo

"I highly recommend Charlie Christensen. I  am sure he will do a great job for you. Honestly one of the best mortgage people I have ever met." Jason Holmes, Holmes Burrell Real Estate

"Hi Charlie & David, We closed escrow on the home purchase this morning. Thanks to you, I know have huge boulders on my shoulders for many years to follow. On behalf of my family, I want to thank you for pulling through and helping us with our loan. You guys are a great team!! Please keep me posted when it’s a good time to refi. Best Regards." Will, Pleasanton

"In regards to financing there is only ONE person to call these days. And trust me, I have worked with them all. My main guy, my go-to guy, my ONLY guy is Charlie Christensen at Equitable Mortgage Group. He and his team are the most thorough, competitive and responsive professionals that I have EVER had the pleasure to work with." Jonathan Marks, Alain Pinel

"David has done a great job for Sarah and me.  He did a wonderful job of communicating what needed to be done and reminding me when I needed it, without being pushy. I feel like I understand what we’re getting in to with this ARM loan and I think we have chosen a package that makes sense for what we envision the next 7 years to be. That is a credit to both you and David for helping us choose a loan product that made sense for us, rather than just taking the safe route with a 20 or 30 year fixed rate.  And as far as managing expectations, I think David is to be commended there as well.  I have done this a few times before, so I wasn’t a complete newbie, but he didn’t over promise.  He did what he said he would do and I couldn’t be more pleased with how easy it has been – especially compared to last time when I did it all myself through BofA.  Never again!" Mark, Concord

"This is why I love working with Charlie and his team! Another on-time closing on a tough deal with tight timelines! So proactive and willing to get it done. We had a 12 day loan contingency which is stellar in my opinion. Great service, follow through, follow up after the transaction and just easy to work with. I recommend Charlie and his team highly!" Gaylen Roberts, Highland Partners

"Erin/Charlie - I really want to thank you for the dedication and attention you paid us.  As soon as we contacted you to say we were truly ready to move forward, you were lockstep with us and it brought tremendous comfort along the way to a nerve-wracking process.  Although I should not forget to mention that you really helped us prepare to be ready for the process so that we did not run into issues.  You came highly recommended and I can now say I would highly recommend you to anyone I know in the market." Nancy and Chris, Mission Viejo

"Dear Charlie, I know this wasn't the easiest of escrows. Hopefully the refi goes better. I so appreciate your attention to details, exploration of scenarios, thoughtful planning for Deborah and Scott and patient communication. I've been at this for over 25 years, and never before have I seen such a thorough recap for the buyers before signing. Definitely a cut above." Thanks again, regards..." Alyssa DiFilippo, Terra Bella Properties

"Charlie, it's difficult to convey enough thanks to both you and Erin, especially in light of the emotional roller coaster we encountered with Wells Fargo. We had decided to give up the quest less than two weeks ago! As I said before it kinda restores our faith in humanity. A simple thank you doesn't seem near enough for both of you, but it certainly is heartfelt from both Mary Lou and myself..." Tom and Mary Lou, San Anselmo

"Charlie, I had dinner with Trina last night and she couldn't say enough good things about you and your impeccable service. She said you were the third mortgage broker she talked to and the only one that made any sense or took the time to really explain the process to her.  So thank you for taking such good care of her." Cari Gennarelli, Marin Modern Real Estate

"Hi all! Super busy day so just getting to this. But I wanted to express a sincere and heartfelt THANK YOU to all of you who helped make this possible. As I said to David yesterday, you somehow managed to turn a crazy and overwhelming process into a piece of cake. I have already been singing your praises to everyone I've spoke with about the process and will continue to do so. You guys are an incredible team and we feel so grateful to have found you. Thank you so much for your help. We could not be more excited about our new home!" Jonah, Novato

"Ginger and I want to take a moment to express our sincere thanks to each of you.  Without exception, each of you operated with incredible professionalism and worked hard to help a couple of hyperventilating home buyers see the bigger picture and keep things in perspective.  While transactions of this nature are routine to all of you, for Ginger and me, this was a major life event.  That said, our gratitude can’t be understated.  Thanks again for all you did to help us complete this important transaction!!" Bert and Ginger, San Anselmo

"Hi Erin, I just wanted to thank you guys for all your patience, time and energy with this home loan!  I really did not think this loan could come together so quickly. I'm really impressed by you and Charlie and wanted to express my sincere thanks and appreciation." Omid, Oakland

"Hi Jana, I'm not sure if I ever responded to your last email...but thank you so much for all the help you provided us during our refinance!  You were wonderful to work with and extremely responsive.  Hope you are doing well and I'm sure you're looking forward to your soon approaching new arrival!" Joanna, San Francisco

"Charlie and Erin:  You made the process so much easier than I would have ever expected.  I know there were a lot of questions from us being first time buyers, but you always were able to explain things in "layman's terms" and kept us in the loop on what was happening.  Can't say thank you enough for everything." Greg and Jeannie, San Rafael

"Erin- you guys are one of the most responsive, organized, efficient and reputable businesses that I have had the pleasure to work with. You went above and beyond for us and we will never forget that. We will always refer our friends and family to you. Thank you!! Laura, San Rafael

"Thank you Charlie. You and your staff make the process very easy which is greatly appreciated! Have a wonderful holiday!" Charalynn, Antioch

"Happy Thanksgiving to you Charlie, and your dedicated staff! I'm very appreciative of the communication and graciousness of your staff. The communication was clear, concise and very organized. Good communication is so important. In business there is no higher compliment! All the best! Arthur, Belvedere

Charlie, Thank you for all your hard work. It's great to do business with TRUE professionals! You can always count on me to recommend you personally, and the entire Equitable Mortgage Group team as trustworthy and first-rate industry professionals. Thank you again! Gerry, Sausalito

Charlie, I wanted to thank you and Jana for what you did for me. We LOVE our new home and thanks to you it happened! I will always HIGHLY recommend you to my friends, family and acquaintances who may be in the market for a home or a refinance. It’s been a dream come true, and I’m very proud to have done business with you. Hope to see you next time around!! Nick, Vallejo

"Hello Charlie and Jana, I've been meaning to contact you and really thank all of you for making the process go smoothly and seem easy to me after some of the things I’ve heard from other home buyers. You guys are the best! Sincerly and Gratefully" Kevin, Oakland

"I will never forget how you kept the commitments that you made to me and my family all through the process of making our refinance a reality.  We felt like we were dealing with a close friend, because we found we could count on you to be available to honestly answer our questions and concerns on an as needed basis.  It has been refreshing to find a business with such high standards and integrity.  Good luck to you in your future!! I would just like to finish by saying I am totally honored to do business with you because you have shown so much integrity in standing behind all of the promises that were made. Working with you has been definitely uplifting." Carole, Newark

"Professional, courteous, excellent follow up. Like taking a step back into the past where customer service was something of value." David and Phyllis, Castro Valley

"I have worked with many mortgage professionals over the past 30 years. The experience with your team was by far the best. I will gladly return for future business and recommend you to my friends. Thanks for the great service." Richard, San Jose

"It is hard to put into words how grateful we are to you but I do want you to understand that we know that this wouldn’t have been possible without your time, effort, and concern for our future. You are an awesome company and I hope in the future there will be some way to be able to show our true appreciation for all that you have done. While this is a huge commitment, we are both beside ourselves in excitement. You are the greatest...thank you, thank you, thank you!!!" Mike, Novato

"You did everything so well! Thanks for your hard work and market expertise -- it means a lot to us to have solid professionals in our corner!" Margot, Novato

"We really appreciate the work-ups you provided; they were excellent. The review of multiple scenarios really is educational and would make it easy to select a mortgage in an informed manner. We will keep your contact information; you can be sure we will use your services in the future.  I will also send along your contact info to my pals via email.  We were very impressed with the quality of your service and information." Mary, San Rafael

"Thank you for all your help and persistence in making my dream come true. I love my new home!" Toni, Vallejo

Incredible. very easy, what I wanted, friendly, All good, Thanks. We are a good testimonial for you." Bill and Jennifer, San Anselmo

"You are Awesome!! :-> Thanks EMG - I'll definitely recommend you to anyone who needs a loan!! Robin, Richmond

Thank you, thank you, thank you!! You were an absolute pleasure to work with and I will most definitely refer you to others!!! All the best, Trina, San Francisco

"This has been an amazing process - so easy. I appreciate all your work. " Katy, Napa

"Leonard and I are very happy to have gone through this process, and you/your office made this a painless exercise.  We had been prepared for something much worse!" Quiana, Berkeley

"Thanks so much! Another perfectly delightful transaction with you!" Mary, Lake Tahoe

"Thank you again for handling our loan with great efficiency and professionalism - we both really appreciate your super service." Jen and Russell, San Rafael

"You provided excellent financial service advice and solutions to accommodate a fast move from southern California to northern California. If ever there was someone who in crunch time can produce results, think outside the box, and do so with the utmost integrity and reliability, it's you. Thanks!" George, Tiburon

"You were the best loan people that I have ever had the opportunity to work with. And, even though I know that this is only business, character and relationship mean a lot to me - and you came across with integrity." Stefnie, Pasadena

"Lynn and I appreciate all your help on our refi. It was the most trouble-free refi we've ever experienced. I particularly like that you took the application over the phone. We will definitely recommend you to our friends." Neil, San Rafael

"I just wanted to take the time and commend your choice of employees. They are not only professional but have been very kind when I call them frantically with issues. Not to mention they often have gone way beyond the call of duty. They have really helped us get through this refi and I wanted you to know the fantastic job they have been doing. Thanks for your help. Babak and Mailana, Lafayette

"Thank you so much for your help (& that of all in your office). We were so pleased with the attention and response that your staff gave us during the insanity of purchasing a house! Lisa and Benjamin, Mill Valley

"We just wanted to give a warm heartfelt thank you to the family of EMG. The entire staff made our fist home buying experience wonderful. We appreciate all of the time and effort that went into making our dream turn into a reality. Thanks again! Sincerely, Joel and Kristy, Pleasanton

"We are situated in our new home in Novato in record time! Your company's timely and professional service made a big difference during the escrow process. We enjoyed working with you and appreciate your responsiveness and your excellent staff. Thank you!" Marty and Deanna, Novato

"I have been meaning to come by one morning to personally thank you and your team for the awesome job you did with our refinance. Everything you told us about the process was 100% correct! I will be sure to refer you to family and friends as you are truly the experts." Theresa, Benicia

"I don't normally write but I feel compelled to to let you know how grateful I am to you. You were so nice to spend so much time explaining stuff to us - and re-explaining again and again! You really made this happen for us. We appreciate all your hard work so much - even the work we can't possibly know you did. You are so good at your job and I'm glad we had you by our side. I'm telling everyone I know to use you." Liberty, Novato

"Alas, I wanted to thank you for making my refinance such a pleasant experience. It was short and sweet; thanks for clearly explaining all my options so that I could make the best decision for me and my future goals. You and your professional staff are to be commended and, with first-hand experience, I will gladly recommend you to my clients." Desiree, Oakland

"You have been extremely responsive and helpful to us and we appreciate your patience and hard work in addressing these few remaining concerns. Both Ann and I greatly appreciate your patience, hard work, and assistance in working with us to obtain a mortgage loan for the Belle Terre property. Thank you again for all your efforts." Thomas and Ann, Novato

"Thank you for including me in your newsletter mailing. Great information! It was so much fun to meet you the other day - and what a fantastic gift! You know I crave my new toolkit! What a keen thing and how sweet of you to give it to me. I'll keep your cards on hand and will definitely recommend you to others! Best wishes!" Lyn, San Rafael

"This is my third home purchase and this has been the best experience by far. The work you did with me to improve my credit scores was fantastic! I calculated my savings, as a result of the credit score work, and you saved me $73,125! Thank you very, very much." Vince, San Francisco

"Thanks for all your help. You were great to work with and a true professional. I will be back in a few years to refi, so keep me in your files! I will send people your way if anyone I know is interested in a first time home loan or re-if. Thanks" Nick, Novato

"You guys were the best. We've done a lot of these transactions and NEVER has it been so smooth. Unlike the other deals we've done, there was no bull and no surprises throughout the entire process. You guys are absolutely the best." Lisa & Brad, Concord

"We have really appreciated working with you. In the many years we have been homeowners we have never had an experience even as remotely positive as the one we had with you. Your customer service rates A-1. The older I get, the more I appreciate being treated with respect and concern. Rest assured that we will recommend you to anyone we know who is seeking a loan. Thank you." Sue, Union City

"EMG, just a quick note to say thanks for your efforts on our new home purchase in San Rafael. You are making the move so simple." George and Cynthia, Novato

"We just wanted to say thank you from both of us to all of you.  You and your entire staff made it happen and it was quite remarkable.  We are in our new home by the bay in Vallejo.....and it is better than we ever expected.  We absolutely love it!.  Thanks again for all the hard work. Take care and God bless." Michelle and Jim, Vallejo
 

"You were great. This was the easiest escrow we have ever had!" Stella, Novato

"You made this a very simple process. Our calls were always returned or answered - even in the busy environment that must exist now. Thanks." Ed, Mill Valley
 
"Just a quick note to say thanks to you and your staff for taking care of our refinance and purchase. I appreciate how smoothly the process went. I've already passed on your contact information to friends, so you may hear from them soon. Cheers." Sudha, San Rafael
 
"Thank you, thank you, thank you...you saved us with the fastest home equity line in history - that was everything we wished for. Please enjoy an Omaha Steaks cookout as part of our thanks while we search for home-buying friends to send your way" Joce and Bob, Lafayette
 
"You did a fantastic job on the analysis. Thank you...If we need a loan in the future, I will definitely keep you in mind. Thanks so much for your prompt and professional work." Carmen, North Bay
 
"Thank you so much for all you did for us. You have taken a lot of stress out of our lives!"Kaela and Tim, Belmont
 

"The EMG team was professional, knowledgeable, and responsive to our needs.  I will refer them to my family and friends without hesitation." John and Denise, Petaluma

"You are bright, friendly and resourceful.  You made our lives easier as we made our way through the loan process."Jeffrey and Dianne, Mill Valley 

"Thanks a million. You guys made it so easy. I have never had a loan go through as easy as this one. I am so happy I found you. Thank you for your professionalism.....You guys are the absolute best!" Gary, San Anselmo

"Thank you both so very much for working with Angie and Jason. I am extremely impressed by your customer service and will absolutely be referring you in the future. You are true professionals! Jessica Allen Cleary, Holmes Burrell Real Estate

"Omar and I truly appreciate your professionalism, attention to detail and ease of working with you. Your group has already made one of our dreams come true and now a second in a few days. We look forward to our partnership over the years to come." Omar and Kelly, Windsor

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