Joseph Flannery

San Francisco, CA

NMLS # 791180

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12 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
177 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 21, 2023

We have worked with Joseph at SELFi for two refinances as well as a new home purchase. The rates always beat the competitors so the refinances were a no brainer. Then through the crazy process of buying a house, I never worried for a moment that there would be any problem on my loan side and I was right. Joseph and his team made everything seem easy. He responds at lightning speed to any requests, is extremely detail-oriented in follow up and follow through. We have also recommended him to family and friends.

Cassie Recio
Rated 5 out of 5
September 21, 2022

Joseph Flannery is a pleasure to do business with. He is an ethical, knowledgeable mortgage representative you can trust. He answers questions promptly. My family and I like to say confidently—Joe’s on our side.


Alameda, Ca.

Patricia Paul
Rated 5 out of 5
September 6, 2022

Joseph and Raul(realtor) we’re both very friendly, responsive, and efficient.

Not only does selfi offer the lowest rates I’ve found, they’re fast as well.

They were able to help me close in as fast as 16 days.

I’ve already started recommending them to friends and family. As of right now one of my colleagues is in contract on a house with the same agents Joseph and Raul.

Selfi offers low rates, great customer service, and fast closing. Nothing else is needed when you shop with selfi.

Rated 5 out of 5
May 19, 2022

Joseph Flannery is an incredible gentleman to work with. He guided me right from locking rates to closure. His response to emails was so swift that I was unable to catch up with his responses. very easy to work with and he made sure loan is processed way before my contract closing date.

Ayyappa M
Rated 5 out of 5
April 20, 2022

Thank you Joseph and your team for getting my refinance taken care of. The process was quick and easy. I got a great rate that I was not expecting. I definitely recommend Selfi for your refinancing needs.

Rated 5 out of 5
January 29, 2022

Speed and ease are what I experienced with my time dealing with SELFi. Joseph had everything handled from the start to finish without any issues. Best refinance I have ever gone through!

Rated 5 out of 5
January 24, 2022

I was considering multiple local lenders per the advice of my real estate agent, but I had a good experience working with SELFi in the past on a re-finance so I reached out to them a little late in the home buying process.

I was already pre-approved with other lenders and I was going to need to close fast. Joseph at SELFi quickly responded and to my surprise even though he was starting out a lot later than the other lenders I was working with, he thought it shouldn’t be a problem and he came in with a lower cost loan at a better rate. I’m glad I reached out as we were able to secure the loan and complete all needed steps well before the deadline.

Just as a point of reference to how fast SELFi moved, I had also reached out to a week prior to reaching out to SELFI, but had no way to meet the deadline that I was working towards.

Isaac Neibaur
Rated 5 out of 5
December 4, 2021

Wow! From the first day that I randomly started the refi process “on my own”, Joe was with me every step of the way. The most surprising part of the whole process was Joe made it easier than going to the bank and letting someone else do the work. SELFi is definitely my new go to spot for financing. Thanks Joe!

Andrew H
Rated 5 out of 5
December 1, 2021

Great experience and service! I’ve done numerous refi’s before, but none compare to this one. Thank you Selfi and Joseph for the quickest and most painless refinance and closing experience I’ve ever had. We will definitely be using them in the future!

Rated 5 out of 5
October 25, 2021

Joseph helped us right from the beginning, during our refinance process. He always was available to answer our questions, and guide us through the process. The Selfi website to check the rates is pretty straight forward (bucketed with different options), the process was streamlined and the team at Selfi were open & communicative. Thanks for a pleasant and a smooth refinance experience!

Rated 5 out of 5
September 28, 2021

We would never have managed getting our home refinanced without the expert help and great patience of Joseph and his team.

Tim Garfield
Rated 5 out of 5
September 25, 2021

Joseph was great the whole way through. I thought communication was going to be primarily email based, but he called me as soon as I submitted the application. He continued to take my calls and questions and kept me updated as to our progress. He helped me understand the options available to ensure I was making the best decision for my family.

Even after the deal closed I reached out to him with an issue receiving my disbursement check. It was not his responsibility, and there was nothing he could really do about it. That said, he reached out to his contact at Rocket and helped me get a new check issued and in the mail that same day.

He’s a nice guy and makes the process as stress free and efficient as possible. I could not be more pleased.

Amy Liera
Rated 5 out of 5
September 13, 2021

6 minutes ago

After obtaining refinance quotes from several other lenders, we found SELFi to be the best choice. SELFi, and Mr. Joseph Flannery, provided us the best rate and lowest closing costs. We were impressed with the level of service Joseph provided, always available to answer questions and walk us through the process. We are extremely satisfied with SELFi and would not hesitate to recommend the company, without reservation.

Robert and Mary

Jupiter, Florida

Robert R Foss Jr
Rated 5 out of 5
August 31, 2021

I had the pleasure of working with Selfi and Joseph for my refinance needs twice and I had the most smooth and easy processing that anyone can hope for. Everything was very streamlined and no hassle and Joseph was always able to clarify any questions that I had. I am a very satisfied customer.

Sathish Mohanraj
Rated 5 out of 5
August 27, 2021

I had awesome experience with Joseph for my refi, multiple times. With all his prompt help and quick responses, the whole process went very smooth for both of my refi with him. I really appreciate and really recommend him for any of you mortgage needs. Thank you very much, Joseph.

Ketan Soni
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