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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5.0 rating
79 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
July 13, 2020

We weren’t a slam dunk simple refi, but Joseph was a pleasure to work with and made it easy to understand and get done. Plus, our rate was better than anywhere else we looked. I highly recommend Selfi!

Lori G
5.0 rating
July 13, 2020

The whole process of refinancing can be intimidating and overwhelming for most people but our experience with SELFi, and Joseph went smooth. Joseph was very patient with our questions and made the whole process easier than we thought possible. We will gladly recommend SELFi to anybody who wants to refinance their mortgages. Thanks again, Joseph and the whole SELFi team.

5.0 rating
July 12, 2020

Joseph is very responsive and the loan was closed within the estimated timeline. Everything is online and the process to refinance was very smooth!

5.0 rating
July 11, 2020

Great info on website, lowest rates on the internet, and fantastic communication with Joseph. Questions were always answered in less than a day, often less than an hour. Small issue with title company was taken care of very quickly. Highly recommended.

Tom N
5.0 rating
July 9, 2020

Awesome service ! Joseph always communicates and keeps me updated . It was a smooth process . Totally recommend Selfi! I had a great rate too ! Thank you !

5.0 rating
July 2, 2020

We closed a few days ago and the relief knowing that our monthly mortgage was down a couple more hundreds was amazing! Not only that, we got the lowest interest rates we didn’t ever imagine! This is our first time refinancing our home loan and from shopping around and comparing different refinancing companies, I must say that Selfi did a great job! Working with Joseph Flannery made our entire journey very smooth and easy. He is very reassuring and he is very efficient in what he does. The online process and website were very systematic and user friendly. He walked us through the entire process and never left us any question unanswered. This company is highly recommended!

Jonathan and Ailen Arcilla
5.0 rating
June 29, 2020

Just close my refinance few days back. Was looking to refinance my home loan. I was shopping around. Got estimate from other companies and initially went with as they were giving me better rate and credit. I gave deposit to; but even after 2 weeks they did not do appraisal. In the mean time, Joseph contacted me and offered me lower rate and higher credit. I accepted that offer and moved to Selfi. The offer was compensating my deposit with and giving me lower rate. The very next day, appraisal for my property was done. It took 3 weeks to close, after I accepted the offer ( did not do my appraisal even after 2 weeks). Throughout the process, Joseph was so responsive and made it smooth. He is honest and will not hide anything from you.
The best part during this refinance process was, everything was done right from our house. The closing agent came to our house and took our signatures :). I would highly recommend Selfi to anyone looking to refinance their loan. For those, who are thinking twice about online refinancing, I would suggest them to do refinance online. It will not only save your time, but also you will get better rate.

Amit Das
5.0 rating
June 24, 2020

I worked with Joseph and the process went very smoothly. He was upfront about all details of the process and quick to respond to any questions I had. The entire process took from start to finish took just 1 month.

Isaac Neibaur
4.0 rating
June 24, 2020

Overall a really easy and quick experience. It was difficult getting quick responses from Dalton or Joseph so you will need to be patient when trying to get immediate answers to questions. There were also a few hiccups with the rate lock but Joseph and Dalton made it right by ensuring I received the credit and rate I requested to lock. I especially appreciated the hybrid closing which allowed for as little wet signatures with the Notary as possible.

Nick Martorano
5.0 rating
June 23, 2020

I first tried to refinance last December using a no-closing-fees site, but they didn’t make it work. I’m glad I waited to refinance with Selfi! I worked with Dalton Dillender through the whole process. Between phone calls, emails, and the Selfi site, the process was well-described and surprisingly simple. Dalton answered all my questions and helped me through the challenge the other company wasn’t able to in December. Being able to refinance has been a huge relief, especially now. Thank you, Dalton, Joseph Flannery and Selfi!

Howie D
5.0 rating
June 17, 2020

I was shopping rates because my current provider’s offer was horrible. I found an outfit in Newport Beach offering attractive rates but with a high APR. So, I did an online search and found SELFI. At first the rate and APR seemed too good to be true… so I did due diligence on Joseph and Dalton. They both checked out. SELFI moved swiftly, they were communicative and they got the me best deal by far of the three lenders I worked with. We closed quickly which was important to me. Joseph found a unique financing option that everyone whom i’ve spoken with, including finance professionals, were remarkably impressed with. The APR ended up less than originally quoted. Fast, effective and professional. I’d do business with these guys again.

Andrew Schwab
5.0 rating
June 17, 2020

If you are trying to find the lowest rate and fees for a mortgage refinance, you must use! I had the most amazing lending experience with them. My loan closed in less than 8 working days from when I submitted my online application. I got the lowest rate I could find. It was probably 0.5% to 1.0% less than other companies, which makes a huge difference in interest paid over the loan. Both Dalton and Joseph were extremely responsive, I got replies within an hour or two each time. Very low closing costs. The best thing about this experience is how transparent the rate/fees/etc are before you even apply, which is super important so you’re not getting lots of hard credit pulls from multiple lenders. Also, other companies I’ve worked with in the past have not been very transparent, then you get to the end, and discover higher fees/rates/etc. I cannot recommend these guys enough. I’m hard to impress and cynical, so I wouldn’t be writing this review if I didn’t fully endorse their product and service. I rely on reviews! The refi DIY information on their website was great also. Thanks guys! I’m now saving $1k per month and have the lowest rate of anyone I know!

Alicia J
5.0 rating
June 16, 2020

Joseph is very helpful and responsive. SelFi empowered me to explore options and make a decision based on my personal situation, and Joseph made all the paperwork super seamless. Highly recommend.

5.0 rating
June 16, 2020

Lending standards for self-employed persons changed in the middle of the review of my application, due to COVID-19. Additional documentation was requested, and review was much longer… the refinance took about two months to complete. During this time I was kept apprised of the situation by Dalton and Joseph every week. They advised me to wait for a 15 day lock on my interest rate and that worked out great for me, as interest rates went down 1/4 percent while we waited. Closing costs were a lot less than my last refinance, and I am a happy camper. I would definitely recommend SELFi to others.

Susan W.
5.0 rating
June 15, 2020

Refinancing with SELFi is saving me a substantial amount of money and was a very positive experience, including straightforward online submission of required documents and helpful, prompt personal support from Joseph as needed.

Michael Siepmann
5.0 rating
June 10, 2020

Joseph at Selfi is a great asset to any homeowner looking to refi. The rates are great, his knowledge is great, and we couldn’t have been happier with our experience. He breaks it all down in simple terms, explains options, and has some great ideas to make the process fit exactly what you are looking for. Can’t say enough good things about the process and the great help from Selfi!

5.0 rating
June 2, 2020

I spent months searching for a company that could offer refinancing with zero or little upfront costs. I considered going with companies like lending tree, and of course the usual big banks and credit unions but quickly realized that I’d be in a world of a mess with spam and credit inquiries after reading through hundreds of reviews. I finally stumbled upon Selfi and loved how transparent the website was. There wasn’t much reviews so of course I was a little hesitant but it didn’t take long for me to have some faith. I decided to plug the trigger and just inquire through the website to see what it was all about (no credit pull, or application submission yet). I immediately received a response from Joseph in less than 15 minutes. Aside from the response time, I was more intrigued with the fact that Joseph wasn’t your typical online sales rep with a noisy background and script-like responses. I loved the fact that Joseph never pushed me to pull my credit or submit any details during our initial conversations, he actually took the time to understand my situation – what I think my credit score is, what I want or plan to do and of course what I’m more comfortable doing. After a few conversations with Joseph I decided to pull an official quote to get a better idea of the numbers. Joseph got back to me in less than 2 hours after I submitted my information and gave me his recommendations. I informed him that I’d need to shop around for due diligence and he of course was more than okay with that. It took me about 4 days to finally come back to Joseph and proceed after comparing with over 8 FIs, CUs and other refi companies. Fast forward and in a nutshell, I got GREAT rates and terms, primarily dealth with Joseph through email (which I love), was given clear and concise details on all the steps involved, enjoyed the fully digital experience of this refinance, never had to leave my house and best of all – I WAS PAID to refinance! I’d highly recommend Selfi to anyone that wants to refinance their mortgage without all the BS. Joseph, thank you so much for your patience and understanding with my refinance. I appreciate all the knowledge and effort you shared, especially since this all happened right when COVID started.

5.0 rating
June 1, 2020

Last summer I contacted 6 lenders for quotes, SELFi provided the best rate and the streamlined online process made refinance an easy process. When rates fell even further due to poor economic news, SELFi gave me another outstanding price again beating competitors by a mile. Not sure how the experience could be any better. Thanks SELFi!

Lucas L
5.0 rating
May 30, 2020

I recently closed on my loan and was very pleased with the personalized and responsive service I received from Joseph. I received professional advice tailored to my needs. SELFi’s business model is sound, offering very competitive interest rates, lower than the direct lenders offer, through reduced commission/fees and DIY online loan application and processing. In turn, they pass on value to customers in savings. I will definitely consider Selfi again in future mortgage loan needs and will recommend their services.

5.0 rating
May 29, 2020

This is my first time refinancing and totally have no idea how to go about it. Thankfully I came across Selfi. Dalton Dillender helped me throughout the process, he helped me find the best fit for me to reach my goal. The website is so easy to use and every time I have a question, Dalton is just an e-mail or a text away. I highly recommend this company. Thank you again, Selfi, especially Dalton for all your help!

Leo Soriano
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