Magid Emrani – RPM Mortgage, Inc.

I have been in sales for over 35 years and my company considers me somewhat successful. I pride myself on taking care of the needs of my customers. It is always a humbling experience when I meet someone who has upped his game to the level Magid has. It’s not hard for him, just a natural ability to react to peoples needs.
Magid reminds me of that commercial, «The Most Interesting Man in the World!»
After a mortgage and refinance, you want to take HIM out to dinner to celebrate.

Majid is the best. End of story. We were extremely happy and grateful for the way he was always on top of our loan process, guiding us and following up on our questions in a swift and thorough way. He really went above and beyond to orchestrate our experience and locked the best loan. Even when he was so sick that he needed to rest for days, he was still available to work on our loan and answer any question that we had literally ²⁴⁄₇ … Majid and his team (Joseph) were very communicative with us and our real estate agent so there were no surprises in our expectations. We could not have done this without Majid’s help– If you value customer service and communication, look no further and call Majid today. I am saying this from the bottom of my heart. I bet you won’t be disappointed.

I’m usually a 3.5÷4 Star person but if I could give Magid more than 5 Stars I would! I have financed two houses with him and both experiences (almost five years ago and last month) were wonderful. While he is very professional, he is also quite personable and authentic. He stays on top of the process and with the help of his assistant Joseoh, moves everything along rapidly.
From your first contact to well after closing, Magid is your partner and advocate! Even the Title Company and my realtor were impressed with the high quality service and work provided by Magid and RPM.
You’d be craaaaazy to go anywhere else or use anyone else other than Magid. He is THE BEST! Do yourself a favor and call Magid for your mortgage loan needs.

My husband and I have had the pleasure of working with Magid on the purchase of our first home! I have spoken with other lenders in the past and I can tell you from my experience, Magid is the best! He is very quick and thorough with his work, he always keeps my husband and myself in the loop and informed on every single thing going on. The man is a machine and I’m sure never sleeps because he is so on top of his game, he can’t have the time to! And what he doesn’t get done, his assistant Joseph picks right up and doesn’t miss a beat. Looking forward to moving on with our process and getting into our new home and I’ll be referring him to everyone I know and for sure using him in the future. Magid turned one of the most stressful things I’ve ever done into something painless and exciting!

If you need help with a mortgage during this crazy real estate boom in the Bay Area, Magid Emrani is your «go to» guy. After months of searching, a handful of unsuccessful bids, and finally the BIG WIN… Mr. Emrani steered the entire process with calm confidence, and brought it to completion. Magid will truly have your back, at a time of stress and unknowns. You can count on him, with a capital C. As my own home purchase draws to a close, I am eternally grateful to have had Magid, and his team, on mine. He gets my full vote of confidence.

I really have only one word to describe Magid … Awesome! He is amazing as is his assistant Joe. They made the financing part of the home buying process the easiest piece as it turns out. That is not an easy feat — Professional, efficient, knowledgeable, honest and downright pleasant to work with. Thank you Magid and Joe !! I could not more highly recommend using your services !!

My wife and I have worked with Magid a couple times (once 20 years ago when we first bought our house and again recently) and we have also referred others to him. He is a real pleasure to work with because he takes a personal approach to our needs while at the same time being a consummate professional. His knowledge of the industry is 2^nd to none and complements his creative and innovative approach. Do yourself a favor and call Magid!

Jon M.
I wanted to use my VA to purchase a home and my realtor, Knight Realty, referred me to Magid and RPM Mortgage. From day one Magid was responsive, professional, and most of all he sincerely had my best interest at heart. I was selling a home and purchasing a home at the same time, and wanted a concurrent closing. Magid made it happen!
Despite all the stories I heard about the VA being slow and sometimes difficult to work with, Magid and Joseph made the entire process seamless! Magid was with me every step of the way providing direction and support. Anyone who’s purchased a home before knows that although the process is very exciting, it can also be very frustrating and time consuming. This is my third home purchase and by far this has been the best home-​buying experience I’ve had! Day or night, weekday or weekend, whether he was in the office or out of town Magid was ALWAYS accessible, always made sure the process kept moving and on time, and always had the answer to my questions and concerns.
Magid and RMP Mortgage provided absolutely fantastic service! I encourage anyone who is looking for a mortgage to contact Magid and RPM mortgage. They are excellent!

We had the pleasure of using Magid Emrani and MPR Mortgages for purchasing our first house. Magid and his assistant, Joseph Ferreira, went above and beyond, and were an absolute pleasure to work with. Our circumstances were difficult since we had been asked to leave our rented apartment and had very short time to find a new home. To make matters worse it was a very ‘hot’ market with no room for error on the buyer’s side. Amazingly, we managed to close in a little over three weeks.
Magid was extraordinary helpful and attentive: He answered phone calls and emails promptly, often within the hour, even on weekends. Similarly, prequalification letters were sent to our agent even at very short deadlines. In addition, he was very careful and patient to explain all aspects of the financing process. Last, but not least, he locked us at a very low rate and his closing costs were much lower than any other estimate we had received.
In conclusion, Magid Emrani is a superb mortgage broker and loan advisor. His experience and character made an otherwise stressful experience much, much easier. I highly recommend him.

We have only the highest praise for Magid. He recently helped us get our home refinanced. We chose him because he was able to offer us the lowest monthly payments of all the brokers we contacted, and he was the most responsive and available.
He worked hard to get the deal we wanted, as quickly as possible. He communicated with us regularly, and made the process as smooth as possible. He was able to get all the paperwork without having to leave our home.
We have the highest recommendation for his services.

Magid recently helped us purchase our new home. He made the process look very simplified and bearable. Magid worked with us to help us. It was very nice to work with someone who has a drive and a personal sense of responsibility towards his customers. I am looking forward to working with Magid in the future.

I was probably Magid’s worst nightmare —
RPM — Magid waited a year for our business, due the fact we had facilitated a Short Sell we needed to wait 3 years in order to be eligible for a Mtg. In the meantime we had purchased a home via Land Contract and the Balloon Payment ($ 1mm) was coming due; oh and by the way our FICA numbers were not exactly the best.
Magid worked with us to clean up our scores and the day we were eligible for requesting a loan he was on top of it. We received our $ 1mm loan even after selling short our previous home 3 years ago…
Without Magid’s patience and perseverance we never would have gotten this loan.
My Family thanks you Majid!!! My Friend
FZ

My family and I had the opportunity to work with Magid Emrani in the purchase of our second home and we give him the highest recommendations.
He was incredibly professional and insightful throughout the entire homebuying process. Being that this was our second home purchase, one would anticipate that the aspects of home buying were somewhat predictable. However it wasn’t the case. The heightened competition in the market really required that our overall home buying Team of Magid and our realtor were in synch and quick in moving forward in the overall process from pre-​approval to final funding. Our home buying strategy somewhat challenged the overall process. We put in a pre-​emptive offer, had a short close and encountered some unanticpated issues. Magid took it all in stride and really guided my family and I through the process in an optimistic, clear and instructive way.
In terms of commitment, Magid was really committed to my family and I from the beginning. He was referred to us by one agent that we were were working with early on. As we began to work with multiple agents and put in multiple offers, we’d connect Magid with each of our new real estate agents. He immediatley synched with each of them and literally in a matter of a day in some cases he’d be lock n step with the agent to submit our offer. When our earlier offers were not accepted, Magid would be the first to provide encouragement that we’d get an offer accepted the next time around. He was really a true partner in this unpredictable journey called home buying in the Bay Area.

Magid helped us finance the recent purchase of our home and was extremely helpful getting our new home financed. The last time we applied for a mortgage was before the housing crisis. Needless to say, the process was a lot different (more complex) today. Magid guided us through the process perfectly. He kept us informed throughout, answered telephone calls and emails quickly, and importantly, gave us a roadmap about what to expect at each stage from getting preapproved, to underwriting through the close of escrow. I had explored going with a big bank for financing but the level of service simply does not compare to what we received from Magid. Magid knew we were nervous about the whole financing process after hearing horror stories about loans falling through at the last minute right before close (after investing thousands of dollars in earnest money). Magid would call us after hours when he was not able to reach us during the day to keep us informed on where the loan and underwriting status. Needless to say, a very positive experience.

[cross posted to main RPM Mortgage Unilocal page]
We used Magid Emrani as our Mortgage Banker at RPM for purchasing our first home.
PROS: Even before we decided to go with him, Magid spent about an hour on the phone with me answering questions and walking me through the home loan process. Once we started, Magid did an excellent job giving us anticipatory guidance and responding very quickly to our questions. My calls (if I had to leave a voicemail) and emails were almost always answered within the hour (!) but definitely by the end of the day, including weekends. When we were ready to make an offer on our house, Magid had our loan approval letter to our realtor within 3 hours, despite it being late afternoon on a holiday weekend and him being on vacation. Needless to say, we were VERY impressed. After escrow closed, I had a couple questions to followup and even though he had no obligation to us at that point, Magid provided the same amazing service. I would not hesitate to recommend him to anyone, and especially for first time home buyers — he is very patient, knowledgeable, and friendly (funny too). Our realtor was likewise impressed and will be recommending Magid to his other clients.
RPM has it’s own underwriters (people who deal with actually making the loan) so everything went very smoothly. We did not have to wait around wondering if we had all the proper documentation or if we were missing a signature somewhere.
CONS: I had to think hard to come up with a con (nothing’s perfect), but RPM’s appraisal fee was about $ 100 more expensive than other lenders (when comparing with my friends). However, this is rather insignificant when considering the overall cost of purchasing a home.
NEUTRAL: I never actually met Magid in person; everything was done via phone and email. We live a bit far from his office but could have gone in if necessary to submit forms. It worked out well for us since we are reasonably ‘techie’ and had no problem doing everything virtually.