What Our Clients Say
"Charlie and Kyle provided supportive service throughout the loan application and funding process. Both highly responsive and knowledgeable in their field."
Melissa
"We are very grateful to Charlie and his team. They are very detailed and hard working group. They take us step by step through the refinancing process so it was very clear to us. I would recommend this team highly without any hesitation. Thanks again for another job well done!"
Annette & Peter
"Charlie, Kyle and team were great to work with and guided me through the loan process in a comfortable and efficient way. I'd highly recommend his services."
Noah
"Charlie and his team were great in helping my husband and Me secure a refinance in record time. He carefully walked us through all of our options, and helped us secure a low rate. His team guided us through the process kindly and with a lot of patience, so that we were able to present a complete and thorough package to the lender. We so appreciate them!"
Catherine & Brandon
"Charlie and his team (esp. Kyle) did an amazing job of walking us through the process of obtaining financing for our home purchase. They even came up with a creative outside-the-box means of getting us enough $$ while keeping our conventional mortgage loan in place. While we plan to remain in our new place for a while, I wouldn’t hesitate to return to Charlie for my next loan or potential refi. Thanks for the help, especially when driving to/from the airport!!!"
Colin & Erin
“It was a such a pleasure working with Chris with my home purchase. He was very detailed oriented and was able to keep my mind at ease despite the stress that comes with trying to close an escrow on a home. He is very knowledgeable at what he does and was able to deliver results as promised. I would highly recommend him for your home loan needs and would definitely use him again in the future.”
Joannie
“I am now working on my third loan with Charlie, which shows I believe it when I suggest I would highly recommend the group. They work very hard, can understand difficult situations and don’t give up when a problem comes up. You are in good hands with Charlie and his team.”
Ish
“Charlie and his team were great to work with. They kept track of a huge number of details and made sure that the process kept moving and my wife and I were kept up to date. Refi’s are a pain – but Charlie and Kyle made it as smooth as possible. Great service.”
Jacob
“Very detailed and informative yet very quickly pulled together – if you can call a refi process fantastic, this would have been it!”
Liz
“Charlie and his team are great! Charlie carefully explained to my husband and me what we needed to know upfront, with clear figures and examples, so there would be no surprise at the end. Indica responded as fast as lightning, and Kyle always explained why he needed certain documents while being flexible. In another words, the team not only helped us secure our first mortgage in record time, but provided a feeling of assurance throughout the process… in the Bay Area’s competitive market during Covid-19! We thank you, EMG!”
Rumi
“Charlie and his team are fabulous! As a Realtor in Marin County, I refer Charlie to all my clients, as well as using him for my personal refinancing needs. Charlie and his team are extremely communicative, proactive, and always in touch with updates, rather than having to continually reach out to them for answers. They come through on what they promise. I highly recommend Charlie – hands down, he is one of the best!”
Gina
“Very professional and clear about what needed to be done, each step of the way. They were understanding of our limited knowledge of technology and accommodated the way we submitted our paper work. Thanks for friendly service and getting the job done.”
Patty
“Another FABULOUS job by Charlie and his team. From origination, documentation to signing and closing, he and his team do an outstanding job. How do I know? This is the 4th time I have worked with him for my own loans. AND, I’m a Realtor and I have a finance background. I see and work with a lot of mortgage brokers in my line of work. Charlie at Equitable Mortgage is the best. He explains my options thoroughly and provides me with a spreadsheet with all my alternatives clearly explained. My loans get done on time, at the rate/costs quoted, no hidden fees, no delays. Curious about getting a loan to purchase a home or investment, or maybe to re-fi? Call Charlie today!”
Susan
“Charlie and his team were amazing partners and helped us buy our first home! They were friendly, knowledgeable, and responsive to all our questions from our first contact. They provided detailed information on our loan options and costs and helped us understand what we needed to make it happen. The closing costs came in less than expected which was a huge bonus as many people told us to watch out for unexpected fees. Charlie made sure we knew what it all would cost down to the cents! They helped guide us through this complicated process and loads of paperwork and documents with kindness and humor. We are so grateful to have had such a wonderful first home buying experience. Thank you Charlie!!!”
Carissa & Ian
“Charlie and his team provided constant assistance and kept us informed throughout the loan process. The team seamlessly managed the difficulties of our jumbo loan that arose due to new covid restrictions. I would highly recommend Charlie and his team.”
Catherine
“I am now working on my third loan with Charlie, which shows I believe it when I suggest I would highly recommend the group. They work very hard, can understand difficult situations and don’t give up when a problem comes up. You are in good hands with Charlie and his team.”
Ish
“Charlie was extremely instrumental in holding my hand during these challenging times of refinancing thru COVID. Offered assistance in choosing the right refi offering, preparing a spreadsheet of costs so there were no surprises. Excellent customer service with Charlie and his team.”
Lizz
“Charlie and Indica got it done… and that’s what counts! While I can’t say the process was always easy breezy, I know this team was working hard for us the whole way through. Thank you for helping us refinance in this intense market!”
Alison
“Charlie and Indica are awesome! Even during an incredibly busy time for everyone in the mortgage business this team was willing to help out day or night. They made the refi process as simple as it could be and made sure we understood everything along the way.”
Kevin
“This is the 2nd time we’ve worked with Charlie’s company and once again I was very satisfied. Charlie was very responsive to our emails, even during these crazy times with everyone refinancing. Would highly recommend.”
Chris
“Charlie was incredibly helpful through every step of the loan process. Not only is he extremely knowledegable, he is also very fun to work with, making the process enjoyable and interesting instead of a drag. He brought competency and efficiency to the table every day and helped us to move through the process quickly and with ease. I recommend him to every one I know and would choose him one thousand times over.”
Sierra
“Charlie has done a few loans for us and is incredible to work with. His software is easy to use and team is awesome. He has worked miracles for us, and we highly recommend him.”
Sarah
"I could write about what a great guy Charlie is. Or how good his team was. Or how well they kept me informed in a very chaotic situation. But what it really comes down to is this: 2.625% fixed rate 20 year loan, no points, and a rebate large enough that I received a refund of over $2,200 at closing. That kind of says it all, doesn’t it? Try and beat that, Rocket Mortgage.”
Dan
“Charlie and his team had our backs from the get go and never hesitated to slow down and explain twice what was going on when we had questions. They worked double time around the holidays even though they didn’t have to. Truly grateful for an amazing experience with this team (wished we’d used them for our first purchase, it was a different experience).”
Libby and Adam
“Charlie and his team are the best. Don’t hesitate to use this service. Even with the crush of people buying and refinancing now Charlies and his team were able to get to closing within three days of the the estimated time. Well done. Thank you so much.”
Judy & John
“Once again, Charlie did an amazing job of securing a loan and guiding us through the process – in the midst of a pandemic. We fully trust Charlie and highly recommend him!”
Julia
“Hi all, I worked with Charlie, sorry he did all the work! for my new home. He made it so easy, fast and very clear on everything that was needed. I was very nervous at the start since it was my first time buying but this guy and his employee was so assuring I soon lost all nerves. Don’t go any further, just use Charlie.”
John
“Charlie and his team are fantastic! Even while dealing with a huge surge of refinances he was able to help us navigate the little speed bumps along the way and answered all our questions. He’s very professional and extremely hard-working. We also got a loan from Charlie a few years ago and he was great then too. I would never go anywhere else!”
Caryn
“What a trip! I’m honestly a little stunned this is for real. I know it wouldn’t have happened without your help and guidance through a complicated (at least to me) process. Charlie, you’re the best in the biz! Your dedication to your craft is unrivaled. You’re a man of your word and I’m forever grateful for that. Tobias, you’re absolutely incredible, and I don’t know how to thank you. I know how busy you must be, but you always made us feel like we were the only people you were working with. I don’t know too many folks looking to buy, but if it comes up in conversation, I’ll be sharing my positive experience with each of you as well as your contact info. Thank you doesn’t cover it, but thank you both.”
Shannon & Danielle
We worked with Charlie through the pre approval and lending process. He was fantastic, always took the time to explain things to us, worked quickly and was super responsive and supportive. As being first time home buyers we had lots of questions and he always took time to explain things. Would definitely recommend working with him!”
Ami
“Thank goodness for Charlie! As a first time home buyer, Charlie was extremely patient and took the time to really walk us through the process. He was knowledgeable, friendly, and very responsive. He always had our backs throughout the entire process, especially when things got rough in this competitive market. We would not be where we are today without him.”
Alex & Sydney
“We couldn’t have had a better experience with Charlie and his team. They were with us every step of the way and gave us all the reassurance we needed!"
Aimee
“Super responsive. Very positive. Understanding and patient but persistent. Ready to explain any detail. All in all I could not imagine a better interaction.”
Mark
“This is a long overdue review for a truly phenomenal person and company. My wife and I have worked with Charlie and his team 3 times over the years — to purchase our condo in 2014, to refinance our condo for lower rates in 2020, and then once again in recent months to purchase a second home in the Russian River area. Charlie and Indica are truly awesome, and made this very intimidating process incredibly smooth and easy. Their communication was top-notch, and they would follow up with us at all hours, weekends, etc, as we were going through the process. They managed to help us navigate a very short escrow period for our recent home purchase and kept us in the loop every step of the way. Everything was done with great transparency, and the final fees and rates mapped on perfectly to what had been discussed along the way. Charlie knows this business inside and out, he’s truly a wizard and Indica is incredible as well. Whether for a first home purchase, a refi, or a second home purchase, we couldn’t recommend this company more highly.”
Jonah
“I’m a lender, but regulations don’t allow me to handle my own refinance. Of the over 1,000 loan officers I could use in our company, I chose Charlie Christensen. He and Indica were fantastic: responsive; easy to reach; easy to do business with. And the education Charlie provides to his clients is superb…very well thought out; very thorough; no surprises.”
Lloyd
“Charlie and his team were exceptional to work with. We were 1st time home buyers that started our relationship with Charlie back in January 2019. It started as a simple inquiry to see what we needed in order to ready ourselves for a home purchase. He took the time to explain the strategy and things to be aware of. Our home close 18 months later in the middle of the Covid shelter in place. Throughout the entire time Charlie was optimistic and continue to work with us to adjust our strategy given the ever changing landscape. His loan processor also stepped up beyond expectations to hustle our loan to the finish line. Honest, direct, optimistic, and utmost professionalism.”
Paula & Doug
“For all questions regarding loans, Charlie is our go-to guy. He always tells us what is reasonable, not just what we want to hear, and is happy to be a sounding board to find the financial solution that works best for us. Love his Excel breakdowns so I can play with numbers on my own. 🙂 His team is also awesome. Special shout out to Indica who is quick to respond and was wonderful at navigating us through what was needed and when so that our loan was always moving forward. Delay in official/final closing was about a week due to COVID processing influx – the papers were actually prepared and notarized earlier than anticipated. Thank you for all your help Team Christensen!"
Anonymous
“My wife and I learned first hand how difficult it is buying our first house, in the bay area no less. We were referred to Charlie by an agent we met and couldn’t have been happier to have worked with him. Charlie was there to help us every step of the way — through all seven properties we made offers on. He answered calls and emails at almost any hour and made the closing process (relatively) easy.”
Mark & Jennifer
“Charlie and Indica were fast, knowledgeable and trustworthy. Charlie spent considerable time with us getting to know our situation and presenting us with multiple options. He went above and beyond to also educate us on all of our options spending considerable amount of his time ensuring we felt satisfied with our option. Plus, he is a good person so feels nice to work with someone who aims to do the right thing. Highly recommend.”
Morgan & Scott
“Charlie and his team have helped my wife and me through multiple refinances and now a home purchase. Charlie and Indica were always on top of things and incredibly responsive. They provided a pre-approval on the same day I asked for it. They provided multiple versions of what I called the “magic spreadsheet” — a little gem that made comparing multiple financing scenarios easy and gave a great indication of the costs and benefits of each. Charlie and his team made sure that things were all in order and there were no surprises. I cannot recommend them highly enough. They are the gold standard.”
Mark and Sarah
“Charlie and his team completed my refinance on-time and on the terms originally promised, despite unprecedented volatility and difficult financial market conditions brought on by the COVID-19 pandemic. Throughout my experience, communication was consistent, timely and complete. At the start of the process, I was presented with several great options, a clear list of what documentation I needed to provide and what I could expect every step of the way. Charlie is a straight-shooter, thorough and knowledgeable. As a real estate professional, I encounter a wide range of mortgage providers; Charlie and his team are among the few really elite mortgage professionals I have encountered. Do yourself a favor and give him a call today!”
Susan
“My husband and I recently worked with Charlie and Indica for refinancing our investment property which 3 different lenders did not even want to work with us, and 1 lender spent almost 5 months and could not get our loan approved due to it’s complexity. However, we just closed our refinancing yesterday with Charlie and Indica which took less than 2 months in this crazy market. The best part was that it was the easiest refinancing we have ever done. My husband is still so shocked how smooth the transaction was. We know and believe that it is all because Charlie and Indica know exactly what they are doing and asking for all the necessary docs up front to avoid any surprises. He also locked our rate at the right time which saved us $8000 on closing costs and $200 for monthly payment for the next 30 years 🙂 Charlie and Indica are very knowledgeable, responsive, caring, and super easy to work with. We highly recommend them, and we are super grateful that we can always rely on them.”
Soomi
“Charlie got our refinance done during a chaotic period with mortgage rates and with a shelter in place order in place. Charlie and his team responded promptly to all e-mails and our requests for more information. Our refinance process felt seamless and we have already recommended him to other friends. We will be back for our next purchase!”
Mike & Liz
“Charlie worked tirelessly for us on a very complex loan with a duplex involving three buyers. He responded quickly to all forms of communication. He was patient and remained calm under pressure. He helped us understand our options. It is clear to me that Charlie is a true professional whose years of experience and knowledge of the mortgage industry is a true asset to his clients. I would highly recommend Charlie to anyone in the market for a home loan!”
Nancy
“Awesome loan experience is an understatement. This was a unique experience as it was a duplex purchase with the owners being related. Three owners in uncharted waters and Charlie was able to pull it all together. We closed on time with no hiccups, everything went smoothly. If you’re in the market for a home loan, re-fi or whatever, I highly recommend Charlie. You won’t be disappointed.”
Michael
“Charlie communicated with us throughout. He was very thorough, helpful and responsive. I have full confidence in Charlie to get us the loan that works best for us. We would use Charlie again for any lending needs.”
Onnie
“We refinanced with Charlie and it was amazingly smooth going. It was SO MUCH MORE CONVENIENT and straightforward working with Charlie than any loan or refi I have ever been through by about 1000 times.”
Marc
“Once again Charlie Christensen navigated my loan process with expert knowledge and prompt communication. Also- Indica was incredibly helpful with document organization and all my questions!”
Pam
“Once again, Charlie arranged the financing I sought, helped me thru the documents required, and sorted out the lender where issues arose. No question, he is the best."
Unknown
“Hi Charlie, I saw two places with Matt and Carolyn today…and they were singing your praises till the cows came home. They so appreciate your thoroughness, attention to detail, willingness to go above and beyond, and everything else you do. Huge fans of Charlie, they are. Just wanted to give you the mid-weekend pat on the back, because, you know….why not?? Thanks for taking such stellar care of them!”
Tobias, Marks Realty Group
“We just completed our third time working with Charlie and Indica at Equitable Mortgage Group. Each time they have been extremely helpful and patient with us as we gathered everything needed to complete the process. I highly recommend this team to anyone looking for a first-time loan or to refinance. We are grateful for their expertise.”
Angela
"Working with Charlie Christensen and team for our mortgage and refinance needs has been the easiest experience ever! Charlie offers multiple options for us to choose from that fit in our budget and with our goals. The team works together seamlessly, sending links and very detailed instructions on what documents and signatures are required, only when they are needed. We will always use them for our mortgages!”
Theresa
“Thank you Charlie! For all your help this year. Your guidance has put my worries at ease, you are AWESOME! I wish you the warmest holidays in the company of your loved ones.”
Marisol
“I feel lucky to have been pointed in Charlie’s direction for my first home financing experience. I immediately could tell I was in expert hands, and even more importantly, that I could trust Charlie and his team. Charlie and Indica were extremely responsive, knowledgeable and patient and got my pre-approval and mortgage done seamlessly with a very tight turnaround. Thank you guys!!!”
Liz
“I just refinanced my home for the second time with Charlie Christensen and his wonderful assistant Indica. Once again, an incredibly smooth and easy ride – despite some complications on my end. I find Charlie and his team to be amazingly helpful, fast, and willing to go the extra mile. Cannot recommend more highly.”
Julia
“It was an absolute pleasure working with Charlie and I highly recommend both him and his team. He was described to us as a straight shooter, and he certainly lived up to that. We are first time home buyers and so were very unfamiliar with this whole process. Charlie took the time at each step along the way to educate and inform my wife and me, and really went the extra mile for us. In addition, he went out of his way from the first time I spoke with him to be very clear about the costs of this process – he laid out precise and clear estimates and helped me understand what each part meant. Ultimately, our closing costs were under what he had originally estimated, though his estimates were extremely close. Finally, it’s worth highlighting that throughout the closing process, Charlie was a total professional and a great advocate for us. He was cool under pressure and helped keep us cool as well! We really enjoyed working with Charlie and strongly recommend him.”
Pete
“Charlie was wonderful to work with. He was very helpful and thorough through the entire process. He took the time to meet with us whenever we needed and broke down every step of the process. Every detail was laid out and he discussed scenarios/routes we could take when choosing our loan options. Charlie was always available and even responded to us late in the evening, early in the morning and on weekends when he was off. He made the experience easy and would recommend him to everyone. He’s the man!”
Jonathan and Daniela
“Charlie is always optimistic. He starts you off by explaining the options and then provides an incredibly helpful breakdown of the best options for your goals, financial situation, and how the market is situated. Further, he will continue to study and crunch numbers to find a solution that help his clients. The loan business can be a confusing, endless series of documents and research, but he will always take the time to answer questions and give some insight about what he would do if it were him. My wife and I are grateful for his help and glad we chose to work with him to refinance.”
Andrew
“Charlie was a recommendation from Hilary Davis (realtor). He was awesome, thorough, specific, and attentive to detail. You can tell he knows the numbers and he is honest and up front with you. He did not sugar coat or gave me any false promises. He provided me with all the answers and resources for me to move forward with my home. From the moment you meet Charlie, you will know you can trust him. And he will move as fast as you need him to move to get you where you want to be. I highly recommend Charlie. Thank you Charlie.”
Mary
“Charlie is very well organized, makes the process seamless and is a great communicator and explainer of all things “loan”. We would go back to him in a heartbeat for a future loan or refi.”
Brian and Trudy
“David & Charlie were amazing to work with! Personal, professional, and knowledgeable, and communicated with me every step of the way! Thank you both for your guidance and for taking such good care of me through the purchase of my new home…..grateful and loving it!”
Dana
“I recently worked with Charlie who handled the loan for my buyers on a property in San Anselmo. I know first hand how much work was needed to get their loan approved and the countless hours Charlie spent with my client to make sure he got them the right one. Because my client is in sales, the way commissions are handled can be tricky and Charlie clearly laid out all the various scenarios including all closing costs involved so that my client would make an informed decision about which loan worked best for his family. I have seen the spreadsheets Charlie provided and they are extremely detailed. Charlie is smart, an excellent communicator and has superb attention to detail. I will absolutely be recommending him to future clients!”
Stacy Hart
“Working with Charlie on my recent home purchase was a fantastic experience. He is incredibly organized, on the ball, and communicates every step of the process clearly and accurately. Throughout the loan process there were no surprises and everything progressed as planned right through to closing. He also did an excellent job of keeping the real estate agents clued in to next steps which also contributed to a smooth process for all. Charlie has huge integrity, is a pleasure to work with, and someone that I recommend to friends and family with confidence.”
Stefan and Erica
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
"David 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
“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
“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
“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
“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
“They are awesome! Available on weekends, they follow up timely and make for smooth escrows! Fantastic group to work with.”
Colleen Madden
“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
“Charlie is plain great. Diligent, caring, and honest. Does what he says and what you want not the other way around.”
Greg Kelisky
“Karen Mason is Tenacious about getting the job done. Helped us to close quickly.”
Wes
“Exemplary service!”
Tracy
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“The process was a breeze. The team was helpful and responsive. We are going to save A LOT of money!”
Vlad
“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
“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
“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
“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, 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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“Thank you Charlie. You and your staff make the process very easy which is greatly appreciated! Have a wonderful holiday!”
Charalynn
“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
“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
“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
“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
“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
“Professional, courteous, excellent follow up. Like taking a step back into the past where customer service was something of value.”
David and Phyllis
“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
“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
“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
“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
“Thank you for all your help and persistence in making my dream come true. I love my new home!”
Toni
“Incredible. very easy, what I wanted, friendly, All good, Thanks. We are a good testimonial for you.”
Bill and Jennifer
“You are Awesome!! :-> Thanks EMG – I’ll definitely recommend you to anyone who needs a loan!!”
Robin
“Thank you, thank you, thank you!! You were an absolute pleasure to work with and I will most definitely refer you to others!!!”
Trina
“This has been an amazing process – so easy. I appreciate all your work. ”
Katy
“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
“Thanks so much! Another perfectly delightful transaction with you!”
Mary
“Thank you again for handling our loan with great efficiency and professionalism – we both really appreciate your super service.”
Jen and Russell
“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
“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
“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
“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
“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
“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!"
Joel and Kristy
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“You were great. This was the easiest escrow we have ever had!”
Stella
“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
“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
“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
“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
“Thank you so much for all you did for us. You have taken a lot of stress out of our lives!”
Kaela and Tim
“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
“You are bright, friendly and resourceful. You made our lives easier as we made our way through the loan process.”
Jeffrey and Dianne
“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
“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
“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