Joseph Flannery

San Francisco, CA

NMLS # 791180

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8 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
13 customer reviews


Joseph started SELFi to educate and empower consumers to save money and achieve financial freedom sooner. 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 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!

Client Reviews

5.0 rating
July 18, 2019

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.

5.0 rating
July 9, 2019

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!

Katherine Pratt
5.0 rating
June 29, 2019

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.

Dereje alemu
5.0 rating
June 29, 2019

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.

Sunita Singh
5.0 rating
June 20, 2019

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.
•Very reliable.
I highly recommend anyone to work with Joseph. I look forward to our next transaction.
– Ignacio Casillas (Realtor).

Ignacio Casillas
5.0 rating
June 10, 2019

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!

juliet markeson
5.0 rating
May 15, 2019

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!

5.0 rating
May 14, 2019

Joseph helped me buy my first home! Other lenders told me no, but he was able to find a way.

Bethel A.
5.0 rating
May 1, 2019

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.

Nathan A.
5.0 rating
April 16, 2019

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.

Hao Nguyen
5.0 rating
April 16, 2019

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.

Miriam A.
5.0 rating
March 27, 2019

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.

Jean Aldinger
5.0 rating
March 27, 2019

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.

5.0 rating
March 26, 2019

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.

carol ortega
5.0 rating
March 18, 2019

We’ve worked with a few different mortgage companies and brokers over the years, and Joe was hands down the best. Not only was he thoughtful, kind, responsive in keeping our refi process on track and answering our many questions, but he delivered on SELFi’s stated promise of saving us money with lower rates … saving $4,000 at closing and in the range of $50,000 over the life of our loan with our reduced monthly mortgage bill. He’s a breath of fresh air – a financial professional with his heart (not greed) in the right place to help the average person pay less. I’ve already started recommending SELFi and Joe to friends, family, and co-workers looking to refi or buy a home. Thanks Joe!

Jack M.
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