Read SELFi reviews from our incredibly happy customers
The secret to making our customers happy is very simple – offer them the lowest rates to save the most money … and be kind, supportive and diligent every step of the way.
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SELFi was #17 of 10,000+ mortgage brokers with Rocket Mortgage in 2020.
I was a little skeptical of the concept of Selfi. Refinancing can be a consuming task, and I was concerned about not meeting a broker in person; however, based on the reviews and my perception that my refi situation was pretty straightforward, I decided to give Selfi a chance. Now that the process is complete, I’m thrilled. The result was an embarrassingly low-interest rate, very reasonable closing fees, and a new lender that looks to be easy to work with. It took a little longer than I’d expected, but I assume that has to do with how many folks are refinancing now. I worked with Erica, and despite the longer than anticipated runway, she kept me informed and maintained my rate lock weeks past the expected closing date. Again, my loan situation was pretty straightforward. I don’t know what this process would be like for a more complicated loan, but I would 100% recommend this service to anyone who thinks they have an uncomplicated loan and good financial documentation. The entire process was very manageable, and for me, the result is an outstanding loan with a great rate and savings that will make a huge difference every month for years to come! Thank you, Erica and Selfi!
Pat was super helpful and answered all my questions by email thoroughly and quickly. This was the easiest refinance ever! Thank you:)
We are so glad we found SELFi, Inc. for so many reasons. After comparing with several other mortgage companies, the rate SELFi offered was the lowest. The entire closing experience with Joseph was like a breeze. He is very professional, very responsive, and always kept us up-to-date with various due dates. Even if there was a shortage of appraisers and the possibility of not able to lock the initial rate, he kept us calm and we were able to close the deal. This is the situation that a true professional shine. We are very satisfied and happy with the experience we had with SELFi. Thank you so much!
My refi with SELFi was ridiculously so simple and straightforward, it was almost a non event. Zach was always available and kept me in the loop every step of the way. And yeah, he got me the best deal, too.
Super responsive and easy to work with. Made the refi process painless and not stressful. Would recommend!
I am self employed which really complicates the loan process, yet I refinanced 3 properties with Zach and he made it feel easy and seamless! He was easy to reach, always quick to respond and answered all of my questions thoroughly.
Great company and great service. Very informative and prompt. You won’t find better rates and costs. The easiest process you could imagine.
My wife and I have worked with Patrick before, and while our first transaction with him (selling our house and buying another house) had some mighty snags, none were any reflection on Patrick. The refi that we just completed was a breeze and we owe Patrick a great deal. We couldn’t have been dealt with in a more upfront and honest way. Two enthusiastic thumbs up!
Raul was so helpful all throughout the process. This was my 3rd refi, and it was the easiest by far, plus with SELFi we saved a ton of money! Raul was super-responsive, and it was so great to be able to do everything virtually. Thank you!
Seshah’s professionalism, timeliness, and attention to detail are unmatched. He worked diligently to ensure that the process was completed seamlessly. I am grateful for the effort he expended on my behalf and have not hesitated to recommend him to family and friends. Thank you, Seshah and SELFi for a wonderful experience!
Very knowledgable and extremely responsive. Felt like he was a real partner throughout the entire process.
Highly recommend SELFi!
Great service, smooth transaction! Will highly recommend it. Joseph was very helpful every step of the way.
Zach thank you so much for assisting with the refinance of my home.
Thanks for being quick to respond when I had I had questions. The fact that you were available on weekends and evenings when I was not at work was paramount. Other finance companies require an appointment that is likely 2 or 3 days out just to ask a quick question. Your experience and prompt responses really helped make this transition less stressful. After shopping around you offered the best rate. I appreciate your thoughtful guidance and listening to all my concerns and goals. There was a lot of technical terms and nuances involved and you answered all my questions. Looking forward to my next financing transaction since I know you will make it easier and less painful. Bravo and keep up all the hard work!
The rate you were able to secure for me has made a huge impact! I can’t thank Zach enough for his hard work on my loan. 5 stars just doesn’t do it justice. With the rate and credits he got me and the service he provided he gets an A+++ must use grade! Don’t hesitate to contact Zach for all your mortgage needs!
Worked with Kevin for my refinancing needs. Kevin was very responsive to my needs, and got my loan closed in 1.5 months. I would highly recommend Kevin and Selfi for your loan needs.
Zach was great! He was very communicative both proactively and in response to our (many) questions. He helped us figure out some solutions after the process initiated that we didn’t anticipate to make the process smooth for us (appraisal wasn’t what we expected, not anything to do with Zach or Selfi). Additionally, we had challenges with the document upload software and Zach made sure that was easily and quickly mitigated. Would definitely recommend the company and Zach especially to make this process easy and super-efficient.
I have been a frequent visitor to SELFi.com for over a year now. I had refinanced mid last year from a diff mortgage company as their rates were better than SELFi offered at the time. Mid-February 2021, SELFi was offering essentially cash back based on loan costs/lender credits for a rate slightly lower than what I had. Zach from SELFi worked with me and it was one of the smoothest transactions as it pertains to mortgage loan process (original loan or a Refi) as I’m sure everyone is aware how painful it can be…anyhow we closed in about 13 days. Zach is very receptive, responsive and respectful. Very pleased with Zach, and just a pleasant experience overall!
My refi with selfi was quick and easy. On top of that Zach is the man! He’s well educated, responsive and kind. I would recommend any of my friends/family work with him.
Aside from Zach being awesome, selfi offered low rates and low fee’s and I shopped around quite a bit.
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.
Selfi was the most competitive provider I found for my refinance, and I’m very happy with the rate I got. Stacy kept the process easy, transparent, and fast. Very helpful and professional!
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
Refinancing with SELFi was fast, easy and an overall positive experience. Huge thanks to Stacy Mitchell who helped me through the process step by step and answered all of my questions. I totally recommend Stacy Mitchell and using SELFi.com to any who is looking to refinance.
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.
I just closed on a cash-out refinance with SELFi and Mortgage Coach Zach Gilbert. Zach was incredibly helpful, professional and kind. I was able to lock on a rate that was unimaginably low and the process was astonishingly fast. Thank you SELFi and thank you Zach!
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.
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.
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!
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!
Joseph made everything streamlined and easy to understand
SELFI offered attractive mortgage rates. Joseph was professional and responsive. He actually answers the phone—no phone tree! The approval was quick and easy.
My 2nd refi with SELFi and it was fantastic to work with Joseph again!
I have refinanced several mortgages in the past and my experience with Selfi was the best I have had. Stacy Mitchell did a great job- she is very professional and easily accessible. Thank you for the great service!
Stacy Mitchell did a phenomenal job working with me every step of the way with efficiency and professionalism.. I got a great rate, low fees and closed within a a few short weeks. I highly recommend Stacy Mitchell!! The Streamlined easy process made this refi a breeze!!!!
Kevin is in this game to get the best possible loan for the client. It’s clear he is an honest man, has a warm heart, and a fantastic work ethic. Thanks Kevin for making the process of chasing down a loan so bearable.
I couldn’t be happier with my experience refinancing my mortgage with SELFi. Stacy Mitchell worked my new loan thru the entire process from beginning to end and provided stellar service at every step. She kept me informed at every step and her clear communication and professionalism were above and beyond. Thank you, Stacy!
The whole process was quick and easy with selfi. I can’t believe how fast I got my house refinanced. I’ll definitely recommend selfi to my family and friends. Stacy Mitchell helped me throughout the whole process. She was very informative and responsive. Thanks again for all you do!
The experience with Selfi for refinance was great. The process was smooth, fast and took less than a month. Seshah was very responsive, knowledgeable, and answered all our questions. Overall, we had a great experience. I would definitely recommend Selfi and Seshah.
Erica helped me with my recent refinance. I really appreciate her expertise, knowledge, communication and speed. She reached out and explained to me all the possible options the second day I applied. And in next a few days we got all the documents ready for the underwriter. I was really glad with the easy process and the impressive execution speed.
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!
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.
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.
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.
Refinance was fast and efficient.
I first tried another lender that was taking over 100 days to close… but then I contacted Selfi, and I was able to close in approximately 3 weeks with them.
Great job! Thanks for getting this done!
Be aware, other lenders may be backlogged, but Selfi could get it done for me.
I did refinancing three times this year with different lenders, so I know how things work in this mortgage world. I have worked with many mortgage bankers, and I can tell you with honesty and confidence that Raul was by far the best of best. I was so impressed by his responsiveness, care for details, patience and open mind for all my numerous questions and requests. He is the best mortgage professional I have ever worked with. The whole refi process went as simple and smooth as it could be. Yes, I’m a picky buyer and he exceeded my expectation in every aspect. Thank you Selfi team and thank you Raul. I hope to have another opportunity to work with you.
Raul was amazing to work with. He answered all of my questions and helped me navigate the refinance process. We had a complicated scenario but even so, Raul was knowledgeable and helped us out along the way. I was incredibly impressed with both his responsiveness and ability to respond at any hour of any day. The Selfi rates are transparent and better than anything else i found while searching. We will surely finance our next home with them as well.
He was very professional, knowledgeable. And helped us with our refinance.
I would definitely recommend my friends and family.
Smooth and easy refi. Joseph was easy to reach and communicative throughout the process.
Joseph was a pleasure to work with on my refinance and got me the best rate after I checked several other lenders such as better.com. He made the process clear and straightforward and was always quick to respond to a couple of questions I had by email. Almost entire process was done remotely except for 10 minutes to sign required documents with notary safely with masks on my front porch. Almost all documents were able to be e-signed. Joseph also covered the cost of extending the rate lock for an additional week after there were some unavoidable delays due to my work HR department and homeowners association being out over the holidays. Joseph helped save me a lot of money and I highly recommend!
When thinking of refinancing, I always have been a little scared; everything sounded so detailed, the legal language used is like a foreign language to me so I was hesitant to take the steps and just do it. Joseph and SELFi took all this fear away! Not only did he find me an amazing deal which saves me so much in the long run but he made this convoluted process so incredibly simple, I would have never even dreamed about it. As my friend who recommended Joseph to me put it, this was the simplest transaction I have ever had! My whole experience has been nothing but amazing and I would definitely recommend Joseph and SELFi to anyone needing help with mortgages or refinancing.
Joseph and his team worked with me on my first refinance and had a great experience from start to finish!
Joseph was super responsive via email/phone and easy to work with. He also provided helpful insights which all made the refi process go smoothly and quickly. We received the best rate and saved a lot compared to other estimates.
Highly recommend Joseph and Selfi!
We were very pleased with the way our loan was handled this time from start to finish! We were working with two other lenders and extremely unhappy with the results until we started to work with SELFi, then it turned out that we received a rate/credit that could not be matched. Not only that, we were in the que with one company for 6-months and Joseph was able to turn our loan around in what seemed like days. We highly recommend SELFi & Joseph!
Joseph and SELFi were great and made the whole refinance experience quick and easy. I highly recommend them for anyone considering a refinance!