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
31 customer reviews


Joseph started SELFi to educate and empower consumers to save money and achieve financial freedom sooner. 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 as a top mortgage adviser in the country, ranking #9 in the country for FHA loans.

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

Client Reviews

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!!

5.0 rating
December 14, 2019

I work for myself so don’t have W-2’s to *legitimize* my finances. I looked around for almost 3 years before I was able to find someone who was NOT a hard money or *portfolio* lender wiling to give me a loan.
I was used to being quoted 5.8-7% interest, so when Joseph came in with a rate in the 4’s, I frankly didn’t believe it.
Though he was VERY responsive and patient, my realtor and I still couldn’t believe that he could get rates FROM Quicken, UNDER what Quicken quoted me directly, so we were wary of the whole process until it came through.
Seriously. I don’t know if anyone knows what it’s like to HAVE money, but to not be able to SUBSTANTIATE the money, and though doing so required a lot of paperwork, it all went as smoothly as anyone could’ve hoped.
Because my house purchase was *unique*, the close had to happen quickly, and we contacted him FIFTEEN business days before we needed to close, AND over the holidays (Nov19-Dec-12) and he made it happen with a day to spare and we closed EARLIER than our agreed upon date.
Now I wouldn’t recommend going to him last minute like I did, because I’m sure I was a NIGHTMARE client (SO much paperwork, SO MUCH back and forth to legitimize my finances), so if you’re just a *regular* person in search of a loan, you’ve found your Unicorn in SELFi!
Thanks Joseph!!

5.0 rating
December 7, 2019

My wife and I have used SELFi for our mortgage needs on two separate occasions. Both times we were in very different financial situations. Joseph creatively discussed our options and came up with specific solutions to meet our needs. Joseph made a typically stressful situation relatively easy. We can’t wait to do business with Joseph again.

David Kukesh
5.0 rating
December 2, 2019

Joseph’s services came highly recommended by a coworker. He did not disappoint. The whole process was seamless, clearly stated and all our questions and concerns were answered very fast.
We got a great rate on a 15 year, fixed mortgage. We will recommend his services to friends and family.

5.0 rating
November 10, 2019

My wife and I were looking to reduce our interest rate and lower our monthly payments on our Mortgage. Once we decided to go ahead and refinance, Joe kept us up to date on the daily fluctuations of the rates and made understanding the process simple. He answered all of our questions in a timely manner and spoke with us on the phone many times throughout the process when we requested it. We ended up lowering our monthly payment by $400 a month.
Thanks Joe & SELFi!

Brad & Stacy
5.0 rating
October 31, 2019

We just completed a refinance and highly recommend working with Joseph. He got us a great rate, saving us a significant amount of money every month.Every step of the process was very easy and Joseph was always available to answer questions.

Stephanie C.
5.0 rating
October 24, 2019

The rates through SELFi were much lower that we could get anywhere else. It was a very seamless process from beginning to end. All steps were clearly laid out for us and, on our end, really took very little effort to refinance. All questions were quickly answered and we felt supported every step of the way.

Tracy Weis
5.0 rating
October 22, 2019

It was super easy working with Joseph. He kept me in the loop during the whole process and we spent some time before I applied on the phone to answer a few questions. The refinance process itself was simple from begin to end. I was very happy with our rate and received a credit to help with property taxes that I know are about to go up. The rate itself was around .5% cheaper than others I shopped for. The day of the close was also easy as the notary actually came to our house and that only took around 25 minutes. I definitely recommend SELFi and Joseph for your refinance and loan needs.

Craig O
5.0 rating
October 14, 2019

I’ve shopped around and this is the BEST rate for my loan(30 yr fixed rate non jumbo loan). Better Mortgage was unable to match the offer.
Joseph is super responsive and very patient. I would definitely recommend all my friends who want to refinance to use SELFi.

5.0 rating
September 11, 2019

I was not happy with the rate I quoted from my previous lender regarding my refinance, so I tried my luck searching other possibilities online. I chose SELFi rather than other online mortgage companies because SELFi was different from them- SELFi focusing on educating people rather than just promoting their products/better rates. I learnt how refinance works, how the business model is, how they made their rate competitive on the market and decided to give it a try. I have to say that’s the best financial choice I made in 2019 so far. With the help with Joseph, I closed my refinance smoothly within one month. Joseph was honest, patient, and very professional when answering my questions. I already recommend SELFi to my colleagues and friends in case they need help with refinance.

Wanjie Zhao
5.0 rating
September 7, 2019

As others have attested to, working with Joseph Flannery was awesome! I was looking to refinance, and Joseph provided me with many options, explaining all of the factors to consider when choosing to either 1) pay points for lower interest rates, or 2) cover closing costs, with a lender credit, for higher interest rates. We played scenarios to the end many times, and Joseph was very patient when I had many questions, including some I asked two, three, or four times to make sure I understood his response and the different financial implications of potential decisions. Most importantly, working with Joseph resulted in getting the best interest rate for the best price — by far! I ended up closing with Quicken. While working with SELFi, Quicken reached out offering to refinance directly (without SELFi/Joseph as the broker). Here’s the kicker – the rate I was offered through SELFi was much lower than that the rate Quicken offered directly (I believe it was .5% lower). And I payed less up front! In other words, I was able to receive a lender credit to cover some of my closing costs, and still received a lower interest rate that Quicken was offering me directly, and their direct offer did not include a lender credit. Working with SELFi was truly the best home buying/refi experience I have had, and I highly recommend working with SELFI and Joseph if you are looking to purchase or refinance!

Ardavan Davaran
5.0 rating
September 3, 2019

I came across the SELFi site, and when I saw the advertised rates, I thought they we’re to good to be true. After some checking, it was in fact the real deal. I just completed a refi in May, and made one payment on that loan since refi’ing again with SELFi. Let me say, this was by far the easiest, most streamlined, fasted refi I have ever done. Joe is amazing, and the companies he’s doing business with are just as efficient!

Rob H
5.0 rating
August 29, 2019

I was referred to selfi and had the best experience I have ever had refinancing a mortgage. I recommend selfi to anyone looking for a straight forward process with great service.

Scott Wagner
5.0 rating
August 24, 2019

I accidentally stumbled onto Selfi after speaking to about 15 other lenders. Bored one evening, I was researching other online options– our of sheer curiousity. Their story was incredible, so I figured I would begin the process. I completed an application through the website and my purchase was complex. Joe followed up with me directly, I laid out my entire situation with him, and he walked me through the entire process.
To be clear, I worked with Selfi as a first time home buyer. So I needed a level of comfort and knowledge to proceed. Selfi is without question, the best loan provider on the planet. (after I spoke to 15 other lenders).
Their service is excellent, their knowledge is top quality and I was extremely comfortable with the entire process. I worked with Joe directly, and he has been everything you would dream of. Thank you Joe for your help in support with our complex first-time home purchase.

Matt B.
5.0 rating
August 22, 2019

I was shopping for the best deal for my refinance with few leading lenders including Chase,, BlueBrick, etc. But SELFi gave me the best rate, lowest PMI and the best service. The process was very easy and they required minimal number of documents. All my communications were done through emails. I had to deal with only Joseph throughout the process. He was very informative and helped me to understand finer points in refinancing. The numbers provided in the initial loan estimate was never raised as in many other lenders, in fact it came down after the appraisal. I feel this one of the most transparent services in the market. Overall the process was extremely smooth. I am extremely satisfied with SELFi and would recommend this to anyone.

Prasanna W
5.0 rating
July 18, 2019

I always say that buying a house is one of the most stressful things you can do in your life, not only because it is a huge life choice and change, but also because nobody in the process cares about the deal as much as you do. For the agents, brokers, banks, and title companies, they do this every single day and it’s easy for a buyer to feel like another sheet of paper in the stack.
I had this exact experience with SoFI and Better Mortgage who both “pre-approved” me, assured me I should go and place offers on properties, and then when my offer was accepted were both completely unreachable. After days of phone calls, I was later assured separately and by both lenders that I would never qualify for a mortgage due to my self-employment.
After almost giving up on the whole process, I found SELFi on Yelp and reached out to Joseph. He had an underwritten pre-approval for me within a couple days and got the deal done when nobody else could. In addition, he was super responsive, easy to get in touch with, and easy to work with. I cannot more clearly state my confidence in SELFi and enthusiasm to recommend them to anyone.

5.0 rating
July 9, 2019

Joseph did an excellent job on my refinance. The rate he got me was outstanding! In addition, Joseph is highly responsive and walked me through the whole process seamlessly. I’ve used other brokers in the past and Joseph is head and shoulders above them all. I would highly recommend Joseph and SELFi. Thanks again!

Katherine Pratt
5.0 rating
June 29, 2019

Two weeks ago I closed escrow and it was Joseph’s hard work that made it possible. Got me good rates give me credit on closing cost so I only had to come up with a 5% down payment. I do regret one thing, not working with him on my purchase my other properties. Highly recommended he knows his stuff and he’s very organized. Definitely will be working together soon.

Dereje alemu
5.0 rating
June 29, 2019

I highly recommend SELFi to everyone. I had an excellent experience with Joseph Flannery. Joseph is an expert in mortgage refinancing/loans. He was able to find a solution for me when other lenders were not. He was able to meet my tight deadlines on both my mortgages. He has been very responsive and kept me informed through out.

Sunita Singh
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