Joseph Flannery

San Francisco, CA

NMLS # 791180

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9 years

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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.

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Rated 5 out of 5
156 customer reviews
Very good1%


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. In 2020, Joseph was the #8 ranked mortgage broker in the country with Rocket Mortgage. He is now teaching ethical and energetic mortgage coaches his system of creating value for homeowners. 

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

Rated 5 out of 5
June 7, 2021

I found SELFi after searching for an online refinance option with low cost of entry so to speak. I liked the idea of showing transparent rates and allowing customers to directly search for loans based on their needs (without having to necessarily talk to anyone first). But if your not sure like I was, I just talked to Joseph
directly because with his experience he narrowed down my loan needs very quickly. He really does coach you through the process. I was able to get a no fee refinance and lowered my monthly payment by about $200 at the same time, which met my needs well. The refinancing experience was very fast and smooth. Joseph was very professional and responsive making sure my questions were answered thoroughly (by email and phone) before proceeding with next steps. I appreciated the ease of uploading all the documents straight through the Selfi app portal, really made things easier. He also walked me through the process with Quicken loans so that we could make sure we closed on time. Over all the whole process took about 2 weeks start to finish. I am so glad I found SELFi and I will definitely keep them in mind next time I purchase not refinance

Munder Zagaar
Rated 5 out of 5
May 26, 2021

My experience was fast and easy Joseph helped me save a lot of money on both my loans

Joseluis Sandoval
Rated 5 out of 5
May 24, 2021

Joe provided excellent customer service. We purchased our home last year using Selfi and just completed a refinance with Selfi. We’ve been loyal and been rewarded with another smooth transaction. Highly recommended; thank you again!

Rated 5 out of 5
May 14, 2021

Very easy process! Joseph was a clear communicator and got things things done efficiently. Thank you for all you did for us this year!!!

Barbie Ternlund
Rated 5 out of 5
May 8, 2021

Joseph provided awesome service made my refinance as smooth as possible. He was prompt with updates and answers to any questions I had, and helped me figure out how to deal with some of the hurdles in my situation. Everything was transparent and efficient!
After an error on my part during the process, he was extremely helpful and went the extra mile in helping me figure out how to resolve, coordinate, and eventually finalize things.

Lam Nguyen
Rated 5 out of 5
April 27, 2021

Great service, everything was handled in a timely fashion online. I would recommend using their services to find the lowest rate.

Vinod Krishnan
Rated 5 out of 5
April 15, 2021

Our second refinance with Selfi, great customer service, and a proactive approach.

rosibel janania
Rated 5 out of 5
April 2, 2021

Before talking to SELFi, I felt like home refinance is like a maze with a meteoroid shower of phone calls. After my call, I got enough clarity, thanks to SELFi for educating me. I got multiple quotes with the best recommendation and reasoning. I talked to different other providers, no one able to match the quote from SELFi. After sharing my SELFi quote, they offered to match, but they could not beat on the first quote, so I considered SELFi a trusted service provider. The team worked with me very patiently to fit my busy work schedule. After giving my consent to move forward, everything was orchestrated very well, and I’m pleased with the overall experience.

Rated 5 out of 5
April 1, 2021

This is my second refinance with SelFi and both experiences were amazing. Joseph made the experience easy and painless. He answered all my questions quickly and thoroughly. Thank you!!!

Edelin Mercado
Rated 5 out of 5
March 25, 2021

We are so glad we found SELFi, Inc. for so many reasons. After comparing with several other mortgage companies, the rate SELFi offered was the lowest. The entire closing experience with Joseph was like a breeze. He is very professional, very responsive, and always kept us up-to-date with various due dates. Even if there was a shortage of appraisers and the possibility of not able to lock the initial rate, he kept us calm and we were able to close the deal. This is the situation that a true professional shine. We are very satisfied and happy with the experience we had with SELFi. Thank you so much!

Shinya Ito
Rated 5 out of 5
March 18, 2021

Great company and great service. Very informative and prompt. You won’t find better rates and costs. The easiest process you could imagine.

Rated 5 out of 5
March 10, 2021

Great service, smooth transaction! Will highly recommend it. Joseph was very helpful every step of the way.

Nikil Wale
Rated 5 out of 5
March 2, 2021

My cash out refinance with SELFi was the fastest and easiest refinance experience I’ve ever had, it took only 9 days from applying on the website to loan closing. Rates were exactly as advertised, and actually ended up receiving more lender credits due to the waived appraisal. Joseph Flannery was easily reachable and always prompt to respond to any questions. He also gives very well rounded answers that often led to me learning something new. I highly recommend Joseph and the team at SELFi for any mortgage needs.

Weijia J.
Rated 5 out of 5
March 1, 2021

Working with Selfi was one of the most seamless financial transactions I’ve ever taken part in. Joseph was super knowledgeable, the rate and pricing was transparent (and best in market) and the team was always super responsive. Would recommend to anyone looking to finance or refinance a home purchase

Rated 5 out of 5
February 25, 2021

You know how you usually have to choose between “good, fast, cheap” and you can only get at most two of the three?
Joseph and his team exceeded my every expectation. I had a moment of “this is too good to be true” and “why is this so easy, what’s the catch?”. The reality is that for me, I was able to get a Good (actually, Great), Fast, Cheap refi on my mortgage.
Good (Great): Joseph and team provided excellent customer service. They replied to my questions super quickly whether by text, email, or phone call. I never waited more than a business day to get a reply, but usually got answers within a couple hours. The SELFi website is super user friendly, easy to navigate including clear actions you needed to take.
Fast: From initial inquiry to approvals to underwriting to signing papers to getting the loan funded took under 3 weeks.
Cheap: I compared rates, points, closing costs etc across 5 different options, and Joseph easily had the best financial option for me. The closing costs were less than 1/3 of the most expensive option I researched. Rate was also between 0.25% and 0.75% lower than other quotes.
Caveats: You have to be comfortable with the process of digital sharing of your financial docs. I also have a high credit score, stable income, and a conventional loan (non-Jumbo), which I assume all helped to move things along.

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