Joseph Flannery

San Francisco, CA

NMLS # 791180

mortgage coach briefcase icon


9 years

mortgage coach education icon


B.A. University of California, San Diego.
J.D. Santa Clara University School of Law.
M.B.A. Santa Clara University, Leavey School of Business.

mortgage coach license icon



5.0 rating
49 customer reviews


Joseph started SELFi because he saw an opportunity to educate and empower consumers to save money on their mortgage by eliminating sales costs and passing the savings back to consumers. As a mortgage coach, Joseph thrives in finding creative solutions to best meet his client’s goals.

Prior to starting SELFi, Joseph was a top producing mortgage adviser. He has helped over 1,000 clients with their mortgage. In 2017 and 2016, he was recognized by Scotsman Guide magazine as a top mortgage adviser in the country.

Joseph is a real estate owner and active investor. He knows what it’s like to be on the other side of the transaction!

Client Reviews

5.0 rating
April 2, 2020

Working with Joseph and his team was great. They not only found us the best rates anywhere, but they were also super responsive, took time to walk me through all the scenarios, gave great advice, and were always 100% ‘on top of it’. Hugely appreciated their help! The process was simply, seamless, and they even moved up our close date when we requested to. Thank you Joseph, Dalton, and the Selfi team!!

T & L Ramos
5.0 rating
March 27, 2020

Joseph was always quick to respond to all my questions. The entire refinance process was a breeze and the SELFi client portal made all the document viewing and signing very simple. Joseph got us a better rate than all other brokers that I compared. I highly recommend him and SELFi.

Drew Kelly
5.0 rating
March 25, 2020

It’s no wonder Joseph has nothing but 5-star reviews. I have never had an easier experience than with Selfi.
I’ve always turned to my credit union for mortgages, but they wanted $10k in closing costs at a higher rate and APR. Through Selfi and Joseph, I got the best rates without a bunch of hidden fees, the application and verification process is all web based, the Quicken Loans site was easy to navigate, timely notifications via email, fast response to questions, you name it and Joseph does a better job than the rest and in record time.
I had never heard of Selfi and was a bit cautious at first, but I couldn’t be happier that I discovered them through a web search.
Thank you Joseph, you’re the rock star of mortgages.

5.0 rating
March 21, 2020

Joseph did a great job assisting in this process. He is a professional, knowledgeable and a joy to work with. He is straight forward and guides you through the refinance process and saves you money on closing costs. I had contacted the same lender and the closing costs were considerably higher but Joseph managed to negotiate lower closing costs
by asking for some to be eliminated. He goes to bat for you.
He makes this process as painless as possible. I Highly recommend his services.
Thanks again Joseph, you are the best!
Irvine, CA

Irvine, CA
5.0 rating
March 13, 2020

I came across SELFi by chance searching for rates when refinancing. Joseph made everything much easier than traditional lenders and got us a rate better than the one we were trying to match! And we were actually done with our refi before other lenders even got back to us on matching rates. Joseph was super responsive and transparent throughout the whole process, and offered sound advice. Everything was seamless via email, online tools, and phone when I chose. Definitely will come back next time. Highly recommended!!

5.0 rating
March 10, 2020

Found SELFi from searching the internet. The process was WAY EASIER than i have ever experienced in the past. Everything was done online, everything electronically, and everything was FAST and EASY. The only thing not online was the notary which comes to your home and uses an Ipad to sign everything.

Randy Tanaka
5.0 rating
March 10, 2020

Lowest rates we can find – by a LOT! Beat all other mortgage providers even Costco vendors! Found SELFi accidentally when searching for refinance quotes. Joseph helped us and answered all the questions and concerns. Quick, efficient, and professional. Best experience we could have imagined. Definitely Highly Highly recommended 🙂

5.0 rating
March 4, 2020

Fantastic experience. No other mortgage broker was able to come close to the offer I received from SELFi. The initial estimate was spot on in the end.

5.0 rating
March 3, 2020

Selfi gave me the best total package, hands down. Joseph was responsive, easy to work with, and transparent throughout the process. I would recommend Selfi to anyone interested in refinancing.

5.0 rating
March 1, 2020

I have financed/refinanced a home 5 times over my life. The experience with Joseph and Selfi was by far the fastest and easiest… i am shocked! We closed our new mortgage about 20 days after reaching out to Joseph via yelp.
After reading great reviews, i contacted him via yelp. We sent a few notes back and forth that afternoon, and on my way home from work we had a conference call. By that evening, he had sent me the loan details and application. 24 hours later we had approval from quicken loans. The appraiser came 2 days later, and we never slowed down from there. So easy, great person to work with and extremely responsive. Highly recommend!

5.0 rating
February 19, 2020

I came across Joseph and SELFi while researching another discount mortgage broker.
I have always gone the traditional route when buying or refinancing and was a little exhausted by the process. I was intrigued by SELFi’s claim that they could beat most any rate as I thought the company I was looking at was making a really good offer and had great reviews themselves. Not only did Joseph beat the rate, but he did it with negative points, giving me a free refi and getting a little cash back.
The process was quick and painless. I had many questions, this being my first internet mortgage experience. Joseph answered them quickly and professionally. In just a few short weeks I was sitting with a closing agent in the comfort of my own home. I lowered my rate by .5125 points on a loan I had just closed on a few months prior.
I would have no problem referring Joseph and SELFi to my closest friends and family!

Scott Real
5.0 rating
February 15, 2020

So, where do I begin…we have used Joseph & his services on numerous occasions & he doesn’t disappoint! Every single time he has been professional, knowledgeable & his responsiveness is top notch. Everyone is busy right? Joseph respected our time and worked hard for us to get the deal done in a timely manner & also ensured we got the best deal. Most correspondence was handled online & via email, however, he was available to talk via phone upon our request. Thank you Joseph for always taking care of us.

5.0 rating
February 12, 2020

My husband and I were looking to refinance and take some equity from our home. I wanted to get a great rate and minimize the number of calls from multiple lenders. I stumbled across SELFi online and loved the website, rates, and ease of use. We initiated the loan, Joseph immediately responded and worked with us through the process. He kept in constant contact with us, responded quickly (even on weekends) and made the process painless. It was fast, and with everything handled digitally extremely easy for our busy family. Thanks Joseph and SELFi for being a great partner and helping expedite our REFI so quickly.

5.0 rating
February 9, 2020

Just finalized my refinance with Joseph at SELFi. He helped me determine the best scenario for me with what I wanted to accomplish. I had tried to Refi directly with Quicken and they denied me. When Joseph contacted me he was confident he could help me. At first I was doubtful, but Joseph was very committed to delivering what he promised and even exceeded expectations. The process was all done online and via email and was so seamless I still can’t believe it’s completed. I will definitely use Joseph and SELFi again and would highly recommend him and SELFi to anyone.

5.0 rating
February 7, 2020

SELFi was recommended to me by a friend ant work and now I am recommending them to my friends. Joseph delivered on all fronts: great communication, great interest rate, and great price. Very pleased!

5.0 rating
January 31, 2020

I was very impressed with the manner in which Joseph handled my refinance. He was prompt and efficient in getting me a refinance in a short period of time with a rate that was far better than I could have imagined. Thank you SELFI!

Lucia Gomez
5.0 rating
January 30, 2020

Joseph has been amazing through the whole process! I contacted him the first time on a Saturday afternoon. He replied right away and my loan was through underwriting by Monday! He was super responsive with everything and his rates cannot be beaten! Highly recommended!

Jordan Wise
5.0 rating
January 26, 2020

I don’t typically give reviews, but felt compelled here. Wow! Joseph is amazing. I spent weeks searching for rates and had a friend “in the business” help me get a rate. Not only did Selfi blow them out of the water with its rates, but Joseph was an absolute pleasure to work with. Very responsive, extremely helpful advice throughout the process, and, for those who prefer to work by email instead of phone, he did all the work without a single phone call! I wish I could give 10 stars! I’ve already referred him to some friends and family. Thanks again for all your help!

5.0 rating
December 29, 2019

We had a great experience refinancing with SELFi! From the beginning, I love the transparency of being able to get a decent interest rate quote directly on the SELFi website. And, no one else we talked to was able to beat SELFi’s rates. Joseph was very knowledgeable, responsive and attentive to detail through the whole process. We felt well taken care of with SELFi, and are very satisfied with the whole process.

5.0 rating
December 28, 2019

A coworker referred me to Joseph at SELFi. I was amazed at how easy and fast the process was. Joseph was always there to answer any questions that I had. He was also able to get me a great rate. Much lower than my bank was offering me! Thanks Joseph!!

Leave a review


Join the SELFi marketplace and grow your business. Our marketplace provides direct access to customers looking for solutions, not sales.