Sergio Szyrko – iServe Residential Lending

My wife and I had gone through the home buying process with another company and it was not pleasant at all. We found Sergio and his team at iServe Residential Lending when we were refinancing. Sergio was always organized and constantly keeping us updated. He knows the ins and outs of his business so well that we felt confident the entire time, from our first meeting all the way to the signing of our documents.

Been meaning to write this review for Sergio and his team that they greatly deserve, but I’ve been too busy moving into and settling into our new home! I can say with complete confidence and assertion that my family and I would not be in our first home if it was not for Sergio and his amazing team at iServe San Leandro.
To back up a minute… this all started in the beginning of October ’15 (not very long ago, eh?) My family decided we wanted to embark on the frightening and completely obscure journey of purchasing our first home for me, hubby and kids. I found out from a few friends that finding a good lender is a great first step. My first step was to turn to Unilocal as I often do to find local companies and services. Once again, I was not disappointed by what my fellow Unilocalers led me to. After all the rave reviews for Sergio, we decided to meet with him. As completely inexperienced first time homebuyers, we felt like jerks for not meeting with or considering other banks/​lenders/​etc. But we definitely didn’t regret it. Somehow with his calm, listening, knowledgable demeanor, we knew we were in good hands from that first meetup, and we felt no need to meet other lenders.
To make a short story even shorter, after getting some prelim info from Sergio, we found a fantastic realtor through a friend’s referral and it turned out that she and Sergio had worked together in the past, which gave us even more confidence. In under two weeks our realtor helped us put a bid in on a house in an extremely competitive area, and our bid was accepted. We know it was accepted not only because we included some crazy short contingency time periods (which realtor lady had consulted with Sergio and he assured her his team could make work), but also because the night the seller was reviewing our bid, Sergio called the seller’s agent to put the shmooze on, and to assure them that we were ideal and fast buyers and that he would make sure the loan approval happened quickly. Needless to say, Sergio came through on all his promises, and he and his team (esp Vanessa!) worked tirelessly and persistently to get the multitude of steps, paperwork, hiccups, etc, completed on time and in perfect order to get us our loan so we could get into our home stress free.
Speaking of stress free… aside from the actual loan they gave us, one of the greatest benefits was the constant personal communication and Sergio’s way of guiding us through everything so we felt totally comfortable, knowledgable and without anxiety. I never dreamed our first home buying experience would be this smooth. We started our home search in Oct 2015, and had our keys by mid-​Nov 2015. A little over a month from start to finish! Crazy! After we started working with Sergio, out of curiosity we spoke with a couple lenders from different banks (the few that actually called us back!), and told them about the terms of our offer and tight contingency timelines. Every single one said there was NO way they would ever be able to get us a loan with our timelines.
In the highly competitive housing market that is the Bay Area, you HAVE to have every bit of leverage you can to get your house. I guarantee Sergio and his team will make a huge difference in your hunt. He helped us get our dream house, so I hope this review helps more people give his team a try! Good luck!

Gosh where do I even begin… Sergio and his team are just amazing!!! Sergio helped my husband and I purchase our beautiful town home! We were first time home buyers and using a Veteran home loan. Sergio is very knowledgable about the Veteran home loan and how it works. We felt like Sergio was apart of our family because you can feel his sincerity and just felt like he was always looking out for us.
While going through the loan process there are certain rules you need to follow so your loan does not fall through at any point. For some reason we dropped the ball on this and made a few errors along the way, but Sergio was very gracious and kindly reminded us how important it is to stick to the loan process rules. We also liked the fact we could ask him any question and feel like he is reachable and does not make you feel dumb for these questions. He also has a good team behind him that works alongside him that is professional and helpful.
Nonetheless, I highly recommend Sergio as a loan officer! You will not regret it! He’s very professional, knowledgable and very helpful with this somewhat intimidating process! You are in good hands with him!

Meet Sergio 5 years ago when we purchased our first home. Process was great straight forward and no problems. Meet with him again 3 weeks ago to refinance our home. A scary process when you don’t know who you are dealing with. But this didn’t feel like that, of course it was always in back of my mind is this the right choice for us. But when you have someone who will guide you through the process with no «sales» pressure and will give you more than enough time to take it all in and sleep on it. It makes your decision a lot more clear and worth it if its for you. I will definitely recommend Sergio and his staff to anyone who can use his expertise!

Sergio and his team helped us close on our second home in less than a month. He helped us to get all of our paperwork done in and didn’t keep coming back asking for more paperwork, unlike my previous experience with lenders. I would and will recommend him to anyone in the SF bay area looking for a painless experience with getting a home loan.

Sergio and his staff helped us buying our first home, professional, honest and easy to work with… Highly recommended.

We were referred to Sergio by a friend, I was a little hesitant at first because I was not sure about making such serious business with someone I had never met before but Sergio turned out to be absolutely wonderful. He is the perfect combination of friendly, efficient, and professional. He made himself available to us at all hours, he answered all of our questions and he even went out of his way to be present when we signed our all the paperwork (we live in Concord).
He proved time and time again how professional he is and that we were his clients and that we were important. From all the people involved during this process he was the most pleasant to work with, not once did we have to wonder or question about what was going on because we knew he was making us a priority and getting things done. He made everything so easy for us, not once did we have to leave the comfort of our own home to get things done and we appreciate that. Not to mention that I feel that if at any point in time I need to call with questions he will be there to answer them, to me that says a lot of someone.
If you are looking to buy a home or refinance I would absolutely one hundred percent recommend Sergio; he will be the reassurance you need when buying a home! I know I will contact him on any future real state purchases!

My husband and I recently purchased a home in the very competitive Bay Area with the guidance and support of Sergio Szyrko. We could not be more pleased with the service we received from Sergio. He was always quick to respond to our questions, and he patiently guided us along the home buying journey. He worked to get us the lowest locked interest rate available, and without being asked, he worked to lesson the financial burden of closing costs. We purchased our home with one-​hundred percent satisfaction in regards to our choice of lender.

We first went to Sergio in March of this year and he gave us all the information we needed to refinance. Sergio told us exactly what debt to pay in order to make our credit go up. Well a month later in April we went back to Sergio and sure enough our credit had gone up and we were ready to get the refinance process going. Sergio was there to respond to emails and available to answer any questions we had (we had many :)). He is really easy to communicate with and is very informative. I would definitely recommend Sergio to family and friends.

We worked with Sergio to purchase our first home and our second homes. He is amazing; On one of the deals we were working with another lender and after 4 months of dealing with a terrible terrible lender, we called Sergio to help us. He came in, and in 2 weeks he saved our deal! I would recommend him to everyone!
He was helpful on our first-​time home buying and walked us through the entire process up-​front, giving us every piece of info we could imagine needing.
Sergio es muy bueno, lo recomendaría a toda la gente que conozco.

Sergio has outstanding customer service and keeps you informed throughout the loan process! I’ve dealt with him on several occasions and has never let me down. He honestly deserves more than 5 stars since he goes way above and beyond for his clients. Hes great and responds right away when you have questions, that’s a huge plus since its usually time sensitive!
Look no further and contact Sergio!

I would give 100 stars if I could! I have known Sergio for years and know firsthand how professional and trustworthy he is. He responds promptly to calls and emails and has gone above and beyond to help my husband and I purchase our first home. Sergio is the kindest man with years of experience in the industry. I strongly recommend him to anyone in need of a residential home loan or refi!

Working with Sergio is awesome! He always updates me on the status of loans, my client’s updates and makes things happen in sequence within the timelines we have outlined. I continue to refer him my buyer’s and we exceed their expectations by closing escrow in a timely fashion!
Thank you for your professionalism!

With Sergio’s help, my fiancé and I were able to purchase our first home!
I came to Sergio hesitant and not knowing if we were qualified to buy a home. Sergio was great at explaining how the home buying process worked– he was so patient and kind to explain every little step and made sure that I understood everything that was going on. Sergio went beyond our expectations and did what he could to lower our rates. I know he had to do a lot of «behind the scenes» action to make sure that our transaction went smoothly. Our transaction was so smooth– it was amazing!
And above all, he made me feel so comfortable. Sergio is very patient and was always available to answer any of my questions. I never felt rushed or like I was being overly persuaded like how other loan officers have made me feel.
Sergio is honest, reliable, knowledgeable and professional. I would ABSOLUTELY recommend Sergio to anyone– and especially first time home buyers!

I have been working with Sergio for many years now. I refer a lot of my clients to him because as a realtor it is very important to me to make sure that my clients get the best possible service and the most competitive rates. Sergio is very professional and very knowledgeable in his industry. He will go out of his way to meet his clients needs. Thank you Sergio!

Sergio and his team are awesome! He was very professional and the timing was great. They closed my purchase loan in less than 3 weeks, I would definitely refer my friends and family to iServe

I heard about Sergio from a family member. We’ve worked together on and off through the years. I can honestly say Sergio has always gone above and beyond whenever I needed his help. I have never met anyone more knowledgable, honest, and overall ‘on top of it’ than him in his field. He works hard!
Please dont hesitate to get in touch with him. It’ll be worth your time.

We heard about Sergio through our realtor, who had nothing but great things to say about him. We had looked around for a loan officer a bit before going to iServe. We felt the most comfortable with Sergio and his team. He was very upfront and honest with us and we could tell he had our best interests at heart. We also loved the fact that he made himself available, responded quickly to any questions/​concerns, and was very patient. At one point he informed us that we qualified for a better loan situation than we were originally approved for, which was a turning point and allowed us more flexibility in our house search.
Our advice: Don’t be shy to ask any questions you can think of. As we said above, him and his team are very helpful, nonetheless take time to do as much research as you can to know what questions you may have because there is a ton of information and you want to make sure no details are taken for granted. For example, hazard insurance was included in the estimate for our monthly mortgage payment, as were property taxes. We did not realize we needed to find an insurance provider on our own. Because it was included in the estimate, we thought that meant it was taken of. Fortunately we found one in a few days, but it would’ve been nice to realize earlier so that we could have more time to compare policies.
All in all, we will definitely be referring our friends and family to Sergio and his team! Thanks again, Sergio!
–Liza and Vincent

Sergio Szyrko is our loan official that we decided to go with after we met and talked with him in person. Its very hard to find a truth passionate, dedication and always put a client first as Sergio Szyrko. Because his extra miles effort plus our realtor (Joyce, referred by him) were an excellent team players, we got the house we wanted (short sell) within a short period. The best part was, he stayed up very late (2:30am) to completed and sent the closing cost documents on time to get the house @ my wife birthday (within a week). He did turn an impossible to a possible results due to his awesome efforts.
Although we got the house for 2 years, he’s constantly helps monitoring for the best interest rates in the market for us. He did help refinance our house last year, we paid less than 1.2% thanks to his tremendous work and care. Up to today, he still keeping us updates with interest rates and house values.
I did refer my friends and family members to Sergio Szyrko and continuing to do so.
Sergio, thank you for your unbelievable efforts work that help us got our dream home.

Let me just say this… we went to all the major lenders and were denied, promised, and overall looked down on. Sergio not only took care of us, he did it with a white glove approach. Very detailed… ALWAYS listening and having the right approach to fulfill and complete the mission. Always efficient, always honest. I will never go anywhere else and will refer anyone i know to Sergio. Sergio… thank you so much!
Armando and Nieves