San Francisco, CA
NMLS # 791180
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.
CA, CO, FL
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!
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.
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!
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!
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.
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.
I was shopping for the best deal for my refinance with few leading lenders including Chase, Better.com, 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.
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.
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!
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.
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.
Besides been a humble person, Joseph Flannery is very knowledgeable on his mortgage products. He makes sure his clients have a peace of mind during the process.
•Everything goes smoothly.
•Always keeping you informed in advance of the process.
I highly recommend anyone to work with Joseph. I look forward to our next transaction.
– Ignacio Casillas (Realtor).
Working with Joseph on our refi was a lifesaver. Not only is he very responsive and knowledgeable, but he worked hard to get us our refi. We started out with an FHA refi, but were able to get a conventional in the end. If not for his patience and knowledge- I probably would have given up early on in the process.
I never thought that this would be a painless process, but Joseph made it pretty close to pain free. If I need to use a broker in the future, it will definitely be SelFi.
thanks for all your hard work!
Joseph was wonderful in helping us with our refi! It was very easy to apply online and refi was quick. We closed in a few weeks! I will definitely recommend him to my friends!
Joseph helped me buy my first home! Other lenders told me no, but he was able to find a way.
I enjoyed working with Joseph on the purchase of my property. It was a difficult transaction made much easier by his persistence, excellent communication, and an amazing interest-rate. I have already recommended him to other friends and family and can’t wait to use him again in the future.
Joseph was phenomenal through the entire process. The little things, such responding almost immediately to confirm a receipt of a document, added up to a wonderful experience. This entire refinance process is foreign to me. On top of that, this was a complex situation (multiple homeowners of a home that was held by third parties in a trust), so I put the process off for a long time. However, Joseph stepped in and was a superstar.
He watered it down to plain English and made it very easy for me to understand. I cannot praise Joseph enough for his patience, attention to detail, and going the extra mile to get my deal done. It is my utmost pleasure to recommend Joseph to help you in all of your financing and refinancing needs. I will definitely be using SELFi again.
SELFi enabled me to purchase in San Francisco with only 5% down… I didn’t even know that was possible! My loan application was with Quicken Loans and the process was very straight-forward. The loan took around 18 days to close. Joseph got me a lender credit to cover all closing costs, including property taxes and insurance so my out-of-pocket was only my down payment. I’m now telling everyone you can purchase in San Francisco with only 5% down.
Joseph helped my Buyer clients with a really difficult REO. He shopped for the lowest rate possible, and when complications came up, and the loan was declined, he helped shop two other lenders. He was with them every step of the way, and made sure the loan closed on time. My clients are so happy with their new home! I’ve already recommended him to all my other prospective buyers, and my previous buyers who are looking to refi. I can’t wait to work with him again.
After a terrible experience with my original lender AND my first refinance, I was pleased to work with Joseph. He was very patient with my questions and kept me informed throughout the refinance process. The transaction was smooth and timely. I will definitely be coming back to him for future mortgage needs and I highly recommend him.
I had a great experience working with Joseph. I was faced with a situation that I wasn’t sure how to handle. Joseph discussed my different options with me before I even had an application in process. He was quick to answer my questions and respond to my emails. Once I began the process, it closed very quickly. I will be contacting Joseph for all my future mortgage needs.