John Zialcita – Wells Fargo Home Mortgage

John was outstanding in the whole loan process. He is by far the best loan consultant that I have worked w/​. He made the process as easy as possible for me. He was always available and responsive. I have total trust in his work and would highly recommend him.

We just bought our first home, and John could not be more of a pleasure to work with. He’s been responsive, clear, and thoughtful — a huge help and invaluable resource for us as newbies. I’d recommend John to anyone purchasing a house in the Bay Area.

We had an outstanding experience working with John, for our first home purchase a little over two years ago, and for our refinance this past fall. There were many points in which things could have gotten complicated, and John knew what to do to make it smooth sailing. For instance, we had a repair that had to be done before our refinance could be approved, and he advised us brilliantly. He’s knowledgable, super helpful, responsive, and just all around great to work with. We would not hesitate to work with John again in the future and highly recommend him.

John was by far the best mortgage broker I’ve ever worked with.
John is THE reason why we now have our beautiful new home in San Francisco. Although we were hoping to buy eventually, we didn’t think we had enough for a down-​payment to purchase the type of home we would like. One day we were killing some time before the Anchor Steam Brewery tour and popped into an Open House where we met John who was there along with the realtor. He answered our questions and was able to quickly discuss some options and plans to be able to make our home-​buying an option now, rather than in one year.
In this market, waiting 1 year could mean being out-​priced, so we followed up with a personal appointment at his office. We discussed our financial situation, he ran the numbers and was great at providing us options we never even thought of to present various scenarios. He was able to expeditiously run our credit, get us pre-​approved and under-​written, to make our potential offers be as strong as possible.
John knew that we were somewhat nervous about any possible appraisal issues, so he devised a back-​up plan (without our even asking) to put our minds at ease and to help prepare for a worst-​case scenario (which we luckily never had to worry about).
John was available ²⁴⁄₇. He responded quickly to our myriad of questions (many times late at night and on the weekends). He had everything prepared so when it came to presenting offers, he had all the paperwork ready and worked closely with our real estate agent to prepare a strong offer package. He even called the listing agent to discuss our financial situation, making the case for why we were strong buyers.
After about 2 months and over 50 open houses later we saw a property that had everything we were looking for. Along with out real estate agent, John was all over it. He helped us with getting the offer submitted and accepted. Once that was done, John was amazing at guiding us through the closing process.
He was on top of getting the appraisal ordered ASAP. He helped ensure we had the funds sent correctly to the escrow company for the initial deposit. He answered 1000 of our questions. All of those were very professional and extremely timely. He worked closely with the under-​writers and title company to get all the paperwork prepared for the closing. About 21 days after the offer, thanks to John, we were signing all the documents. What was also unexpected was that John also personally attended the document signing to make sure all went smoothly. Fortunately none of the paperwork (tons of documents to sign) needed to be edited as all were correctly prepared.
Once we completed signing all the paperwork, we felt such a relief and felt extremely happy that thanks to John we now were able to own a small part of San Francisco. To top it off, before we parted ways, John left us with an amazing unexpected present.
I would highly recommend John to anyone looking for a mortgage.
Thanks John for everything!!!

We cannot say enough positive things about John. He has helped us through two tricky home purchases now. The first home we bought with John was tough because I’m a private business owner, we owned a second property (with no rental history), my husband has multiple jobs (some of which have varied incomes from month to month), and we have some pretty hefty student loans. John was able to get us into our home without any hiccups!
Our most recent purchase was «interesting» because in addition to everything we had with the first house (although, at this point we have proof of rental income) we had a VERY long close of escrow on the home we were selling as well as the home we were buying (4 ½ months). The extended close was due to tax purposes, but John took it all in stride. He was able to coordinate everything so that not only did we close on our new house the DAY AFTER the close on the sale of our previous house, but it was also stress free!
John is organized, thorough, and just a really great guy! Thank you John!

John is hands down one of the best people to work with! He was quick and always available for us. I found him on Unilocal,thank you Unilocalers! If you are looking for a mortgage broker, look no further. He is 5 stars all around!

John is simply amazing. We were having lots of trouble dealing with an incompetent broker at another branch of Wells Fargo and were very concerned with being able to secure the loan. That’s when we reached out to John who was highly recommended by our agent.
John stepped in and walked us through every step of the way. He was always in communication and could be easily reached; not to be underestimated in this market. He was always cheerful and helped us manage the stress of buying a new home.
The best part? John was able to secure us the best rates out of anyone!
Don’t waste your time with anyone else!

John helps us close our mortgage in less than 30 days, and got us really competitive rate. During the whole process, he held our hand step by step to get to the finish line, and it’s truly the most professional and dedicated customer service I have ever had. Thanks John to help us purchase our new home, and we will always come back to you for help!

A colleague recommended me to John and my conclusion after working with John is to echo the Unilocal rating of «Woohoo! As good as it gets!» John was nothing short of phenomenal in getting our mortgage done in time to close. He was completely on top of the entire process, guiding us through it step-​by-​step. His responsiveness is so great you would think he was psychic, anticipating your every question and/​or potential roadblock to getting the loan approved. I proactively recommend John to anyone considering stepping into the market here. He is simply incredible!

John helped us finance our first home and we couldn’t have been happier with his service! We were referred to him via a coworker who works in commercial real estate, and we knew that she has high standards so we also had high expectations — and were not disappointed.
We first reached out to John with less than a week before offers were due, and he immediately made time to meet with us, driving up from the peninsula to SF on a weeknight to make sure everything was in order in time. He also helped us get underwritten, which strengthened our offer.
We ultimately didn’t get that house, but I firmly believe that John was instrumental in us winning our second offer, by campaigning on our behalf and vouching for our financial strength even though we were only offering 10% down. He was super helpful during the closing process, too, even making the trek out to Walnut Creek to be there in person while we signed the final closing documents. Highly recommended!

John Z. has been nothing but wonderful to work with. He’s really quick to respond and even worked a few Saturdays for us when needed. John was able to shorten our escrow close by a week; even my realtor was impressed with him. John’s part of the escrow was a streamlined, no hassle process. He was on top of the process every step of the way. I couldn’t recommend anyone more.

So, I have to admit… I had known John well before he was my broker. At first, I was cautious to work with a friend, but decided as a first time homebuyer that I would appreciate the extra help. I immediately experienced his professionalism, responsiveness and patience. He answered every question I had, offered his advice and his concern when necessary.
I put an offer in without considering the timing of an upcoming trip. The process was so seamless that I was able to close early and in advance of my departure.
Even now, after I have moved in, John checks in and is helpful with all of my questions.
Thanks, John!

John and his extended team are outstanding.
They were able to explain the details around our 30 year fixed loan, prequalify, to close.
The biggest element of the experience that we appreciated was the promptness and quick response on every email and phone exchange.
John has a very easy personality to get along with.
No pressure. Again, very helpful.
Thanks, John.

John was awesome. He really has shown me how a smooth process can help make the refinancing so pleasurable. It’s thanks to him for making it go well. He not only responded to my calls, emails and texts very quickly but also helped us navigate through all the unnecessary automated mailings we received from Wells Fargo. He told us what to expect each step of the way and he was completely transparent in his dealings with us. At one point we had a discrepancy over the good faith statement just before closing and he went line item by line item to show me why the totals were the amounts they were. And he did this in an email since I wasn’t available by phone and then followed up by phone. His service has been outstanding and I would be happy to recommend him and use him again.

A friend recommended John to us, and he was tremendously helpful in our first home-​buying experience. We were in a somewhat unique situation, and John was able to work with us to get the loan we needed, and came through fast when we needed it. He was very responsive over email, which was really helpful since it was hard for us to answer the phone at work during the day.
He went over all the paperwork to make sure we didn’t miss anything and understood everything, answered our questions as they came up, and was in constant communication with us. I would definitely recommend him to anyone in the area buying a home.

I can’t say enough great things about John. He worked with us in December on our move from SF to the burbs in Millbrae. In the Peninsula, he has a wonderful reputation of helping his clients win extremely competitive offers and completing crazy quick closings, even with complicated situations. This was exactly our story.
We believe his reputation helped us win with our offer even though we were not the highest. Our situation was also tricky as we owned a three unit apartment building in SF and lived in one of the units. We had planned on keeping the entire building in SF as investment property. At the end, John was also able to be creative enough to get the underwriters comfortable with our situation to get our new loan approved in record time. He is very personable, professional and his communication was flawless. He was always available to answer our questions and concerns, even after hours when needed. As one Unilocaler stated, he goes above and beyond to help his clients.
I’ve already referred John to more than few of my friends and colleagues, one of which just closed in record time with her new home yesterday. If you are in need of purchasing a new home or even just refinancing your existing property, give John a call! You will be glad you did!

John Z is great to work with! Our realtor recommended him and we were very happy with the experience. We were 1^st time home buyers and he provided great service every step of the way. He took his time explaining issues and was fast about getting back to us with any questions we had. He made the process as stress free as possible.
He got us a fantastic interest rate and we are headed back to him to refinance our house. He really does his research on the different loan programs out there and will really go above and beyond to find a program that fits your situation. I would not hesitate to recommend him to anyone looking to refinance or a home purchase.

John Z was wonderful to work with! As 1^st time homebuyers we had a lot of questions & concerns which he addressed in a speedy and non-​judgmental manner. He provided a lot of support & reassurance and went «above and beyond» in helping us with the loan process. We truly had a great experience with John Z. and Opes Advisor.
–Asela & Rachel Atulugama

Thank you so much John.
John came highly recommended by many of our friends who he helped get financing as well. John was very helpful to us as first time home buyers, he really helped answer all of our questions and was very helpful. He always responded to emails and calls in a timely manner. Communication is key for this business and he’s doing it right.
Our purchase was a bit complicated but John was able to figure it out and ensure that our financing was there when we needed it with a nice interest rate too.
Thank you so much John we are very happy customers. We have already recommended you to many of our friends and I believe one of them is in escrow already.
Thanks again for everything!!!

We have worked with John for over 5 years. Our first experience working with him was when we bought our place in San Francisco. It was a very hot market (much like it is today) and thus demanded that he be on top of his game and very responsive. He did not disappoint, not only did he help us move through the financing quickly and efficiently, but he kept us updated along the way.
Since that first purchase we have refinanced with John a number of times (interest rates kept falling!). The experience was the same, quick and as painless as can be!
Again recently we bought a new home and John was able to help us with verifications letters during the bidding process all the way through to close. We even needed to close early as a result of our travel schedule and he was able to work with us to make that happen.
Great experience from start to finish and I continue to recommend him to my friends who are looking to buy or refinance.