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
176 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
March 18, 2021

Great company and great service. Very informative and prompt. You won’t find better rates and costs. The easiest process you could imagine.

Rated 5 out of 5
March 10, 2021

Great service, smooth transaction! Will highly recommend it. Joseph was very helpful every step of the way.

Nikil Wale
Rated 5 out of 5
March 2, 2021

My cash out refinance with SELFi was the fastest and easiest refinance experience I’ve ever had, it took only 9 days from applying on the website to loan closing. Rates were exactly as advertised, and actually ended up receiving more lender credits due to the waived appraisal. Joseph Flannery was easily reachable and always prompt to respond to any questions. He also gives very well rounded answers that often led to me learning something new. I highly recommend Joseph and the team at SELFi for any mortgage needs.

Weijia J.
Rated 5 out of 5
March 1, 2021

Working with Selfi was one of the most seamless financial transactions I’ve ever taken part in. Joseph was super knowledgeable, the rate and pricing was transparent (and best in market) and the team was always super responsive. Would recommend to anyone looking to finance or refinance a home purchase

Rated 5 out of 5
February 25, 2021

You know how you usually have to choose between “good, fast, cheap” and you can only get at most two of the three?

Joseph and his team exceeded my every expectation. I had a moment of “this is too good to be true” and “why is this so easy, what’s the catch?”. The reality is that for me, I was able to get a Good (actually, Great), Fast, Cheap refi on my mortgage.

Good (Great): Joseph and team provided excellent customer service. They replied to my questions super quickly whether by text, email, or phone call. I never waited more than a business day to get a reply, but usually got answers within a couple hours. The SELFi website is super user friendly, easy to navigate including clear actions you needed to take.

Fast: From initial inquiry to approvals to underwriting to signing papers to getting the loan funded took under 3 weeks.

Cheap: I compared rates, points, closing costs etc across 5 different options, and Joseph easily had the best financial option for me. The closing costs were less than 1/3 of the most expensive option I researched. Rate was also between 0.25% and 0.75% lower than other quotes.

Caveats: You have to be comfortable with the process of digital sharing of your financial docs. I also have a high credit score, stable income, and a conventional loan (non-Jumbo), which I assume all helped to move things along.

Rated 5 out of 5
February 23, 2021

I refinanced twice with Joseph Flannery, SELFI, in the past year and it was by far one of the simplest ways to take advantage of the low interest rates that have been available. All a borrower needs to do, is search the current rates available, complete an application, upload the require documentation and allow Joseph and SELFI to do the rest. All this done on your computer and the only in person contact, is when a notary comes to your house, or any location you choose, to sign the documents. I would highly recommend Joseph and SELFI if you are thinking about refinancing your home.

Gordon Rickman
Rated 5 out of 5
February 18, 2021

Of all of the refinances I’ve done, working with SELFi and Joseph was by far the easiest and the one in which I felt most confident that I was getting the right outcome for myself. I left the experience feeling more educated about the refinance process and appreciate the helpful answers to my questions along the way. Highly recommend and will come back to SELFi for future needs.

Rated 5 out of 5
February 18, 2021

Joe made our refinance go really smoothly. He communicated quickly, proactively, and just the right amount. We got detailed updates of the cost of the loan throughout the process. We closed our loan in about three weeks despite some issues having to obtain extra documents from our previous lender. Thank you!

Rated 5 out of 5
February 18, 2021

Selfi is fast, secure, responsive and customer focused. Joseph saved me more by discussing my goals. I will use again and have told all my friends. Thank you again!

Jonathan Song
Rated 5 out of 5
February 18, 2021

Joseph made everything streamlined and easy to understand

Rated 5 out of 5
February 17, 2021

SELFI offered attractive mortgage rates. Joseph was professional and responsive. He actually answers the phone—no phone tree! The approval was quick and easy.

Charles Mead
Rated 5 out of 5
February 17, 2021

My 2nd refi with SELFi and it was fantastic to work with Joseph again!

Rated 2 out of 5
January 23, 2021

Total Bait and Switch. Good estimate, great rate…then the final loan offer…5 times more out of pocket…almost a year of escrow, an appraisal fee i was told we did not need . It goes on. Then the person managing the loan…communicating quickly at each stage…suddenly when silent when i challenged the numbers. DON’T LET THEM RE YOU IN!

S. Harrington-Howard

Response from SELFi

Thank you for your feedback. We will attempt to do a better job educating homeowners about how the timing of the refinance impacts the amount of property taxes escrowed.

Rated 2 out of 5
January 20, 2021

My refinance process was fast and smooth and I don’t have anything to complain about that. I’m back writing an updated review because I feel like I’ve gotten the bait and switch. My refinance loan was with Quicken loans, and I was told that they are great and my loan estimate stated they intended to service my loan. My 1 month of experience using them as a loan agent and servicer was pretty good, unfortunately I was notified that my loan was sold and my loan servicing was transferred to Mr. Cooper, and if you look them up you will find they have terrible reviews and many many complaints with the BBB. So please consider when going through a broker that you may get better rates but who know who will end up with your loan. It might a company with poor customer service rating, security breaches, a history of making late tax and insurance payments, and fees for online payment, and there will be nothing you can do about it.

Andrea A.
Rated 5 out of 5
January 20, 2021

SELFi offers a winning combination of low rates and easy execution: Joseph was super responsive and communicated clearly. If you’re looking to refi at a great rate, I’d highly recommend Selfi.

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