Joseph Flannery

San Francisco, CA

NMLS # 791180

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10 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
170 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
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
Rated 5 out of 5
August 17, 2021

This is an amazing company that I truly did not expect. At first I had doubts about it – but since my co-worker closed her refi w/Selfi within two weeks, I decided to try it out. Joseph was very professional and answered all my questions diligently. I filled out the Selfi application online on a Friday afternoon w/Joseph’s help, submitted all the necessary docs on Sunday, and the next day – Monday, I was already approved. Hard to believe, but it’s true. I closed my loan in less than two weeks, with a lower interest rate, and no fees. Definitely I will refer Selfi to all my networking contacts. Thank you Joseph/Selfi for making a big difference in the mortgage world today!

Rated 5 out of 5
August 10, 2021

It has been very smooth , quick refinancing through Selfi . We have refinance three times and we got very best rate at minimum closing cost . We like to thanks Joseph for his excellent service and recommend to those who are in the process of buying or refinancing their home .

vijay jain
Rated 5 out of 5
August 4, 2021

We were referred to Joseph through my nephew who had used him and had a good experience as well. Being somewhat computer illiterate Joseph through patients and understanding walked my wife and I through the process. We were impressed with the rate he got us as well as his professionalism. We will refer him to anyone interested in a refi in the future.

Rick & Carol
Rated 5 out of 5
July 8, 2021

The view rates estimates that SELFI hosts lets you customize and view different options before allowing you to opt from bucket of options. It offers one of best mortgage rates in the market. Joseph guides and helps you throughout the process and make it look so quick and easy from document upload all the way to closing.

Raghuvir Goradia
Rated 5 out of 5
June 22, 2021

Awesome service! Thank you Joseph and your team for everything! My refinance wasn’t an easy one but you and your team work hard and endlessly to get it done for me. I work 2 jobs and have to handle a newborn baby and you made my refinance painless and less stressful. Thank you again for all your help.

Rated 5 out of 5
June 22, 2021

The smoothest-process, best-rates refinances I’ve done. Get rate quotes from the website without the usual “enter your email to see your rate” business from other sites, nor the automated callbacks. I’ve refinanced with Selfi twice now, and both Ben and Joseph were knowledgeable, quick to respond, and pressure-free. The most digital/paperless and “errand-free” process I’ve had to date.

Bryan Lin
Rated 5 out of 5
June 7, 2021

I found SELFi after searching for an online refinance option with low cost of entry so to speak. I liked the idea of showing transparent rates and allowing customers to directly search for loans based on their needs (without having to necessarily talk to anyone first). But if your not sure like I was, I just talked to Joseph
directly because with his experience he narrowed down my loan needs very quickly. He really does coach you through the process. I was able to get a no fee refinance and lowered my monthly payment by about $200 at the same time, which met my needs well. The refinancing experience was very fast and smooth. Joseph was very professional and responsive making sure my questions were answered thoroughly (by email and phone) before proceeding with next steps. I appreciated the ease of uploading all the documents straight through the Selfi app portal, really made things easier. He also walked me through the process with Quicken loans so that we could make sure we closed on time. Over all the whole process took about 2 weeks start to finish. I am so glad I found SELFi and I will definitely keep them in mind next time I purchase not refinance

Munder Zagaar
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