Horn Low – Pathmark Realty

I have been working with Horn since I was a wee lass, stepping into «real» adulthood in 2007 looking at buying my first piece of property: a condo in Daly City. I was intimidated, didn’t know where to start, scared of being taken advantage of, and nervous that I’d be getting myself into something I couldn’t afford.
I was referred to Horn by family who was familiar with his good work. From the first phone call, I felt completely at ease. I didn’t feel like he was talking down to me or impatient that I was young and didn’t know much about buying property. Throughout the process, he was accessible, always returned my calls and emails promptly, and was patient about my ever changing mind. He expertly and honestly guided me through the selection and financing process, being very honest with how much I could afford, what is the best way to save money, and how to plan for the long run.
Fast forward 8 years, I sold said condo (and upgraded to an actual house) and would trust no one else to help me through this process. Horn was able to handle all aspects of the sale, which went off without a hitch.
I recommend Horn to all my friends and family if they are selling or buying a property in the Bay Area or who need financing in California. I trust him completely (he even gave me advice during a difficult divorce that helped me protect my property and assets) as he really does care about his clients and thoroughly enjoys what he does.

We had been on the hunt for our first home for a few months before we decided to drop our previous agent and go with Horn. I’m so glad we did. He was experienced, really easy to work with, took the time to understand our situation and what we were looking for, and was quite knowledgeable about the whole process. With the housing market the way it is, you really need someone reliable and he sure was. He bent over backward for us, and had our best interests in mind. When we went into escrow and our lender pull the rug from under us (AHHHH!!), he reached out through his connections and was able to help us get a new lender quickly so we didn’t have to lose the house. Thank you Horn! We went back to him recently to do our re-​fi and he was able to get us a competitive rate – overall we had a great experience working with him!

I had a really good experience with Horn Low on my last two refis of my home loan.
I am definitely not a risk-​taker when it comes to money. Working with Horn on my refis was great. He made the process as friendly as possible and was always responsive to and patient with my questions no matter how many times I’ve asked him.
I plan to work with him again should the rates fall below what I currently have (thanks Horn!) and I would recommend him to others.

If I could leave zero starts i would! I’ve had to leave a review on how terrible my service was with pathmark and in particular Horn Low. I have never dealt with someone so unprofessional, unhelpful, unappreciative and with such a bad attitude as I have had to deal with recently with Horn Low. This guy is an absolute joke, and I plead with anyone who reads this, and needs a loan for a home to turn away quick! Go somewhere else! Horn jacked up our interest rate, forced us to pay outrageousness fees, never once, Not one time answered the phone when I called, took two or three vacations in the midst of the most crucial times of our loan! Was never available for questions, and when I did ask my question, he never answered them with a direct, and appropriate answer. I will be telling all my friends and family about my terrible, terrible experience and further spread the word with social media. I’m already working with another lender to fix the mess that pathmark and Horn Low has put us in! Stay away!