Chad Baird – JMJ Financial

I have had the pleasure of working with Chad on my initial first home purchase loan and then most recently (just closed today!!!), the refinance of that loan. Chad is more than a very knowledgeable mortgage professional, he seriously does care about his clients. He took more than his fair share of time to walk me through every process, answer every email and text message I sent throughout both processes, always in the most professional way possible. There is no other person I would ever trust to assist me in my mortgage needs, Chad and his team will always be the one and only option for me and my family, they are simply the BEST!

Chad Baird… there is a reason why he comes so highly recommended and that is because his services are extremely accommodating throughout the entire process of buying this home. The fact that he personally writes the offer letter for each individual home you may choose to bid on was a huge selling point for me. There is nothing worse than receiving a draft email with some numbers punched in it. Huge thank you to Chad and his team who helped us the whole way through!

Chad, Erik, and Elizabeth made the process easy.

Chad Baird = Magic Maker. Chad and his team pulled off the impossible for us and I’m happy to tell you I’m writing this from my new condo. Chad was an unbelievable professional and his team was just as great. I’m so impressed with this crew, their speed, detail, and general kindness/​great personality. I am so happy we came upon this team… couldn’t be more thankful. I’ll recommend them all day long. And all night.

Chad and his group are fantastic. Special shout out to Erik and Emily who were always on top of their game! They saved us from losing our house by succeeding when the lender we initially chose changed terms on us two days before the close of escrow. Luckily we received a short extension from the seller.
We got in contact with Chad who then jumped in and salvaged our deal. We transferred all the loan paperwork and had closed escrow less than two weeks later. This was a VA Loan which is immensely complicated, and I know that any other lender couldn’t have accomplished what Chad was able to do. Anytime we needed something they were there for us. Chad was working hand in hand with the Underwriter to make sure everything would run smooth. The loan is the most stressful time in the whole home buying process, please don’t fall into the same trap searching for the lowest rate and go with a mortgage broker who has no control over the lenders they partner with. We ended up with the same rate the broker gave us with JMJ including their top notch service. JMJ Financial will take care of you as though you are their only client. They responded to emails even as late as midnight on Saturday to keep us informed especially since I work during the day and couldn’t send info out till later at night.
The peace of mind they provided us was refreshing because they consistently fulfilled at each milestone. I can only imagine how much stress I could have lessened if I knew about Chad and his group from the beginning. I’m fortunate that any endeavor for my family and friends, I have someone to help them out. JMJ Financial are the real deal.

Chad and his team were great! They made the whole process very smooth and quick! Their customer service is superior. I would highly recommend using JMJ Financial.

Chad was great. He’s a very easy person to talk to and work with. His laid back attitude was a very calming influence. We had many questions and he was willing to answer all of them for us. Even the basic questions that first-timer’s ask. Furthermore, he was able to turn around a short contingency period that ultimately got us the house. We highly recommend working with Chad!

Chad was great. He’s a very easy person to talk to and work with. His laid back attitude was a very calming influence. We had many questions and he was willing to answer all of them for us. Even the basic questions that first-timer’s ask. Furthermore, he was able to turn around a short contingency period that ultimately got us the house. We highly recommend working with Chad.

Its rare that you meet someone who gives 100% (especially when buying a home). We chose him because his rates beat everyone else’s, however his honesty, speed, and willingness to keep saving us money through the process blew us away! From beginning to end, Chad was completely on it! He made sure we maximized every opportunity to make this transaction as fast, easy, and as thorough as possible (because buying a home is not a walk in the park). I will only work with Chad in the future and he will be my only recommendation to friends/​family. Thank you to Chad and his assistant Erik, who were both always available!!! We closed in 24 days!

Chad and his team were a great help throughout our entire home buying process. Chad is knowledgeable, responsive and helpful and got us a great loan. We were on a tight turnaround with a 30 day close and everything went extremely smoothly. I would highly recommend Chad/​JMJ.

I first met Chad at Redfin’s home buying event in San Diego. He is very insightful & knowledgeable. Later when I reached out to him for pre-​approval letter he was very responsive and quick. Few weeks later when our home offer got accepted Chad and Elizabeth did an amazing and efficient execution to get me a loan.
Our Escrow was able to close in 26 days (which includes 2 weekends and 1 long weekend). I would highly recommend them

Chad was very knowledgable and timely with our loan. Completely professional and a creative problem solver. He had to save our loan on numerous occasions. Throughout our entire loan process Chad was always positive and encouraging. Highly recommended!

So since buying the house I’ve now refi’ed twice through Chad and his coordinator Elizabeth at JMJ financial. They are top notch, on top of things and get the job done quickly and efficiently. The more recent refi was an actual «no cost» refi, not cost’s wrapped into the loan, literally nothing out of my pocket and I saved $ 150 a month. Can’t beat that.

Chad worked hard to get the loan done. He was responsive to my emails way beyond business hours. One small warning to borrowers that is not related to Chad specifically. The lending process is gotten enormously picky about «proving» every aspect of your financial background so expect to spend a lot of your personal time gathering documents. Remember this when you negotiate the time between purchase and close — you will need all the time you can get. Because of this new approach to lending Chad will not approve you until very close to the closing day. This can create anxiety but its part of the price you pay for a house.
My compliments to Elizabeth Battaglia. She was the person working with Chad who had the duty to gather and review all of the documents. She was precise in her communications and was always perfect in her analysis of the documents. She caught multiple mistakes by me and just as many by the escrow company.

Chad was recommended through our Real Estate agent. After a horrible experience with Wells Fargo, Chad was a breath of fresh air. He handled both our refinance and purchase of our second home. He and his staff were proactive, responsive, and reliable. He had control over the process and was able to execute on time. We will continue to use Chad for all of our financing needs.

Chad and his team are one of the quickest working in the business. they follow a strict timeline and are always ahead of the schedule. They helped us (first time home buyers) close before time and guided us extremely well through the whole process.
I would like to put a special word for his team Erik and Elizabeth along with Chad at JMJ financial who were extremely fast to respond with the right details.
I would definitely be working with them in the future.

My wife and I also met Chad at a Redfin home buying seminar and have worked with him since then. He and his team are the real deal. They are quick to respond to any question and they are available almost any time day or night. They have kind of a crazy work ethic and know how to get the job done right and fast. Chad and his team made the home buying process efficient and quick. Thanks so much guys for all of your help!

We met Chad at a Redfin home buying seminar, and have since consulted with him extensively. Before meeting him, we knew absolutely nothing about the very daunting process of home buying. Chad has since worked with us face-​to-​face and over the phone to help us understand the process, the financial considerations, and the nuances in an honest and straightforward way. He and his staff are quick and responsive.
Now we just need to find that perfect house…

Anyone who says buying a home is a difficult process hasn’t worked with Chad, Erik, Elizabeth, and the whole JMJ team. Our loan process was very straightforward, and we knew exactly what was required of us. Additionally, Chad advocated on our behalf several times with escrow, HOA, and the listing agent. As first time buyers, my wife and I appreciated how they kept us informed on a very regular basis. Great experience! A+!

Chad and his team were INCREDIBLE to work with. They got us a great deal and were always available when we needed them. All of our questions were answered quickly — and believe me, we had A LOT of them! They were patient and super responsive. Our loan ended up going through on time and without a hitch.
We will definitely work with Chad, Elizabeth and their team again for our next transaction.
HIGHLY Recommended!