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
120 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.

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
November 16, 2020

I just got my mortgage refinance done with Selfi. I am glad I went with them. They are good at their job, and got me the best rate in the market. Don’t go anywhere else, if you got to know about Selfi just trust them, they will take care of you. Thanks Joseph and Raul for helping me out.

Manoj Kandlikar
5.0 rating
November 6, 2020

Overall great experience! Joseph was professional and responsive in both email and phone calls. He addressed all my concerns and provided thoughtful responses to my questions. Highly recommend!

5.0 rating
November 4, 2020

Worked with Joseph on my refi and from start to finish he/Selfi made it smooth and easy. He was very patient and timely with answering all my questions, and replied to emails in a timely manner.
Definitely worth checking out Selfi!

5.0 rating
October 28, 2020

Best rates and best services. If you want to refinance, is the best place to go to.

5.0 rating
October 25, 2020

This is the second refinance that I’ve done with Joseph and he has performed flawlessly each time. Best rates and the best service. I recommend him to all of my friends.

Drew Kelly
5.0 rating
October 23, 2020

Joseph worked with me on my refinance. I have refinanced my home loans 5+ times in the past 15 years and I must say my experience with Joseph has been the best.
Joseph was approachable and extremely prompt in his responses. We had HELOC on our house and that caused delay in getting our load closed. Joseph not only offered free of cost additional rate lock but also helped lock lower rate when our previous rate expired.
The process to provide documentation and closing was very simple.
I would very highly recommend Joseph and

Hemang Shah
5.0 rating
October 21, 2020

Joseph was great to work with and this site made it very easy to refinance my mortgage. It made choosing a refinance rate in a very intuitive was and best of all the interest rates were really good. Everything went smooth and we were able to close very quickly.

Nicholas A.
5.0 rating
October 19, 2020

I’ve always found it a little daunting to refinance. All the paperwork, back and forth with requests, big expense at the end at closing…..well, no more. SELFi makes this such a smooth and easy process and it all can be completed online. It is so well organized and you are guided through the entire process. Joseph answered all my questions and supported me when needed. There is no sales job going on, just straight up honest information and help. Best of all, I got the best-fixed interest rate available. If you are thinking of refinancing don’t hesitate to call SELFi.

Gail A.
5.0 rating
October 12, 2020

We received a great rate, the process was smooth and straightforward, and Joseph was very helpful. Highly recommend!

Mike Duffy
5.0 rating
October 8, 2020

I have owned many properties and secured many loans. This was the easiest and fastest start to finish transactions in my 40 years of owning property. And the lowest rate that I have ever secured!!

John Turner
5.0 rating
September 23, 2020

Great Service. Easy to work with. Lowest rate possible

Harshil Shah
5.0 rating
September 22, 2020

Great service, easy to work with and transparent at every stage of the financing process. They were happy to jump on a call and clarify any questions that I had. Their transparency was a key part of why I recommend SELFi strongly. It will be the first place I go for any future mortgage needs.

Conor Power
5.0 rating
September 20, 2020

Was really happy with my experience with Joseph @ SELFI..First off he was sending correspondence with me up until 11pm so I could lock the rate that I wanted within the 12am deadline. My loan was a little more complicated since I had a 2nd home but Joseph explained exactly what was needed, worked with the underwriters and kept the communication going to I was able to close on my loan (with a great rate:). I am a happy client and would recommend SELFI to anyone for their financing needs.

Thanh Chau
5.0 rating
September 18, 2020

This was my first refi experience and I am so glad that I worked with Joseph. He was very helpful to and patient with me. The process went through smoothly without hiccups. I highly recommend him and Selfi!!

5.0 rating
September 18, 2020

SELFi was very easy to work with, very responsive to all my questions and helped guide (and educate) me through the whole process. Would highly recommend them and work with them again!

5.0 rating
September 12, 2020

Working with SELFi was incredibly easy and straightforward. Joseph was professional and prompt with responses, and for all of my questions he not only had an answer, he also had a pre-recorded video or KB article that had more information on the exact topic I was asking about. We closed on time, and had no issues whatsoever. I’ve already recommended a friend who is using SELFi as well.

Adam W
5.0 rating
September 9, 2020

I worked with Joseph to refinance my home mortgage. Compared to previous refi experiences, this whole process with Selfi was a breeze!
I was able to explore different combinations over and over again which allowed me to capture that information and run my own calculations to choose the best term and balance and rate. The closing process is streamlined and efficient. Document exchange, review, and signing were all easily done at my convenience while at home. Joseph provides excellent service, answers his phone, and makes sure you understand the process.
I would use Selfi again and recommend his services.

Jack R
5.0 rating
August 27, 2020

We highly recommend Joseph from SELFi, Inc. as a mortgage broker. Not only is he very affordable, but offered a quick and high quality experience. We were very happy to work with him on the refinancing of our home.

Daniel Campello
5.0 rating
August 25, 2020

Joseph is not only a loan officer, he is a very good coach as well. He was very responsive. The communication was very clear. The tools were great. The process was unbelievably smooth and quick. I already recommended my co-worker to Selfi! Thanks Joseph!

5.0 rating
August 21, 2020

We had an excellent experience with Joseph from Selfi team. Joseph made the entire process so easy for us. He not only helped every step of the way but also stay in constant touch to ensure we get a very quick close. I recommend Selfi to anyone looking for mortgage loans or refinance.

A Bhanushali
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