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
108 customer reviews


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
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
5.0 rating
August 20, 2020

We had a great experience refinancing our mortgage with Selfi. Joseph helped us through every step of the way and promptly replied whenever we had a question. We were able to get a great rate, and the whole process was smooth and easy. I would recommend Selfi to anyone interested in refinancing.

Michael Davis
5.0 rating
August 18, 2020

Joseph is professional, prompt, communicative and absolutely a pleasure to work with. He is my whole family’s go to when it comes to refi’s or purchases. I really couldn’t have asked for more! I have and will continue to refer family and friends to him. Thank you Joseph!!

Lauden DAvis
5.0 rating
August 15, 2020

Joseph was a pleasure to work with and took the time to answer my detailed questions. In a refinance market that was very active, Joseph was patient and helpful and ultimately closed the loan in ~1.5mo. The rate was better than other places I looked. Overall, I would recommend Selfi.

5.0 rating
August 8, 2020

Joseph made our refinance process incredibly easy and painless. He was always available to answer all questions and got us an interest rate that we were thrilled with. I highly recommend his company and everything about his process. Thank you.

Mike G
5.0 rating
August 8, 2020

SELFi is the real deal. This is not a lead gen business which will sell your personal contact info or pepper you with emails. SELFi quoted an interest rate that hit my goal and provided a credit at close that materially exceeded the all-in cost to refi. SELFi’s APR beat all money center banks even after banks’ reduction in interest rate that is commonly offered in exchange for moving a significant amount of personal assets. SELFi’s founder, Joseph, was a pleasure to work with. He confirmed rate lock the same day I received a quote and estimate. The closing cost were conservatively estimated with actual costs coming in below the estimate. In the past, I’ve used consumer direct online title insurance, and SELFi’s vendor’s cost were lower. I literally spent an hour on the entire refi process (20 min uploading the required documents for income and asset support, 20 min to digitally sign most of the closing docs prior to the mobile notary arriving at our home, and 20 min signing in the presence of the notary. Easiest no-cost refi ever! Don’t hesitate to use SELFi.

Michael M.
5.0 rating
August 6, 2020

Joseph helped us with out refinance of two mortgages. The closing cost were very competitive and the rate we have got on the two loans were unbeatable anywhere else.
There are multiple reasons I am leaving an excellent review for Selfi in general and Joseph in specific:
– Very competitive prices (in term of closing costs) and rates
– Process in my experience of refinance was fast and easy!
– Very helpful. Joseph respond quickly to your concerns. He took the time to explain every single details to the closing cost and the meaning of each item. He is approachable on phone and responsive thru emails.
– He goes beyond his way to save you money. For example, he requested for us waivers for appraisals to reduce cost. Also he did not charge us twice for credit checks and waived some other fees.
-The estimate he gives online is pretty accurate of what you are getting. He does NOT charge fees for an application in order to get that estimate while other companies does charge you application fee even if you do not proceed with the loan.
-On the same note, SELFI site at the beginning of the process does not collect lots of personal information to get you an estimate of closing cost. This is an important point when you start shopping around for the best value in refinance.

Sal Khader
5.0 rating
August 5, 2020

We worked with Joseph to refi our mortgage. The process was virtually painless and we are thrilled with our new loan.

Tim Harendt
5.0 rating
August 5, 2020

This was my first time refinancing and I compared multiple different companies. SELFi was able to secure the best rate at the best price. Dalton and Joseph made the entire process extremely easy. Will happily recommend SELFi to anybody looking to refinance their mortgage.

Jonathan H.
5.0 rating
August 4, 2020

Joseph helped me secure a low rate and provided very good service. Although there was a little issue with the rate lock, it was addressed properly. I’d definitely use SELFi again and recommend them to others.

Bill F.
5.0 rating
August 4, 2020

Worked with Joseph on my refinance. The process was the smoothest ever and I have done 7-8 refinances so far.
Joseph was on top of details and also very easy to work with.
Highly recommended.

Suraj Ayinikatt
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