Paul Stella – American Pacific Mortgage

Paul was recommended by my real estate agent and he recently helped me secure a loan with a low rate for a house purchase in Walnut Creek, CA. Paul is awesome, and the BEST in the business!!! I highly recommend him to anyone who is interested in purchasing a property in the Bay Area. I remember the day before the open house on Saturday, I dropped him an email and let him know that my agent and I would be going to an open house that weekend, and might be making a purchase offer afterwards. Paul wrote back «I will stand ready, so if you need a letter this weekend, I can get that taken care of and sent over to XXX (my agent’s name) to submit with an offer!» How supportive he was! It really helped a lot in such a competitive housing market in the Bay Area right now (It’s very hard to believe Walnut Creek market became so competitive). My purchase offer was submitted that afternoon right after the open house. My agent touched base with the sellers’ agent the next day evening and got response from the sellers’ agent — «the sellers did not accept an offer at asking price as they were expecting an offer above asking» I really like that property (now my new sweet home; today is my third day as a new homeowner!!) so decided to move forward with a stronger offer. I finished discussion with my agent on the phone around 9:00 PM on Sunday night and she informed Paul my decision right after. We got Paul’s second pre-​approval letter the next morning around 7:00AM and my second purchase offer was submitted before 8:00 AM (before most of the loan offices open). Paul really stood by that entire weekend! My offer was accepted that evening, and Paul moved my loan application forward super fast. I received my loan approval «13 business days» after the offer was accepted. All my friends in the Bay Area who have purchased a property after 2008 asked me how Paul made this happen. This amazed me as well. I had an option to close the escrow early (shorter than 30 days) but the sellers were not quite ready to move out yet. I really appreciated Paul’s help during my home purchase. Paul is extremely patient to answer all my questions and provide suggestions. I am a first time home buyer. You could imagine how many questions I had for Paul. Paul answered all of them very quickly (I usually email him). I usually don’t write Unilocal reviews but Paul is so good and special so I decided to do one for him (I had to create an Unilocal account to do so!!). Paul is the BEST in the business — his high integrity and morals make him one-​of-​a-​kind. I highly highly recommend him!!!

I have worked in real estate for years and I meet a lot of mortgage people. I have to say that I have enjoyed working with Paul and find that he is an honest, hard working guy who won’t let a deal die, even if he has to refer it to someone else because of some crazy circumstance about the loan. Paul is extremely knowledgeable and I trust him to do the right thing. His follow-​up is excellent. I would highly recommend Paul for your mortgage needs.

Paul was the recommendation of our real estate agent, Marcus Miller, and we absolutely could not have been happier with our choice. After working with a handful of Mortgage brokers over the last few years I can confidently say Paul was the best we’ve encountered.
Paul is genuine, honest and a true pleasure to work with. He took time to understand us, our finances and goals. His resourcefulness and knowledge helped us secure a great deal to finance the purchase of our new home.
I highly recommend Paul for any of your home finance needs!

Paul helped me and my husband with our financing for a home and we just closed yesterday! He was professional, responsive, and really pleasant to work with. We really dreaded the home buying process but Paul made things simple and quick. We met Paul via a recommendation from our friend and are so happy to have worked with him. Paul also introduced us to our realtor, who was also fantastic. One thing that we really liked about Paul is he was great about following up and was very responsive to our questions but was never pushy. There are so many people out there that are just so sales-​y and aggressive but Paul was not like that at all.

Paul is highly professional and courteous. We are grateful to run into him. My husband is self-​employed which is always challenging to get the loan or to refinance our mortgage. He’ll be honest to the situation and will help you navigate through the system when the time is right. Thanks, Paul!

I can’t say enough good things about Paul Stella, however, let me start and focus on his caring attitude towards his clients. He begins by learning what is important to you as a client of his and what YOU want the outcome to look like, then he matches you with the best financial products that will help you achieve your goals. He is witty, smart, kind and has a great sense of caring for his clients leading to a practice that is mostly by referral.
For nearly a decade I have referred my clients to Paul and have used him for my own family’s personal mortgage needs. I can’t endorse a qualified mortgage banker more highly. If you want an advocate and experienced mortgage banker on your-​side, look no further.

If you want a professional, personable, and efficient mortgage consultant you wan to work with Paul Stella!
I cannot believe how easy it was for me to work with Paul and get a loan for my new home.
I know I got the best rate and service that is available, and I have a beautiful new home!

We just closed on a property this week that Paul helped to finance and I couldn’t be happier with the service we received.
Paul came with a recommendation from a friend and I will be buying that friend a few beers tonight to say thanks!
He took the time to explain the nuances of the US buying process compared to the UK (which is what we’re used to) and was extremely patient, knowledgeable and honest with us. He was extremely responsive, even on weekends and over the Thanksgiving holidays, making the whole process seem very simple (even though I am sure there was a lot going on in the background).
Our Realtor also had nothing but great feedback saying that she felt fully informed throughout the process and confident in the progression (which took less than 4 weeks). As ex-​pats I don’t think it is too easy to get a good loan without years of credit history and I found this to be an issue when approaching banks alone (prior to Paul becoming involved), In the end we got a better rate and I would very confidently recommend Paul to anyone who is looking to secure a loan — you will not be disappointed.

Delightfully responsive, extremely knowledgeable, and wonderful to work with.
Paul came highly recommended by a friend who just bought a house as we were starting the home-​buying process. We had previously spoken to a Wells Fargo rep to get a quote, but in the time the Wells Fargo underwriter took to get us a pre-​qualification, Paul had already pushed through 3 pre-​approvals on homes we put offers in on. And they were all 100k over what Wells Fargo was willing to lend us.
The San Francisco market is tight, and if you don’t get in there quickly you can easily lose your dream home. It was crucial to have Paul on our team. He was quick with answers to all our questions (even on weekends), and as minor issues came up in the later stages of loan funding, always came back with solutions that ultimately resulted in us getting the home we wanted.

This is the second refinance loan that Paul has processed for me. It has been a complete pleasure to work with Paul again and I am thoroughly impressed with his work ethic. Paul continues to impress me with his excellent customer service, going above and beyond what is expected. He was always focused and diligent in pushing the loan through to closing. His knowledgeable responses were always quick and almost instantaneous via email/​phone. Working with Paul made the loan process completely pain and anxiety free.
If you need the services of a professional mortgage broker that will have your loan processed and closed on time, I cannot recommend anyone more highly than Paul Stella. You will not be disappointed.

Paul secured our home loan within 3 weeks to accommodate our need to have a quick close before end of Dec 2010. Because of his diligent follow up, negotiation skills, industry expertise, and consistent communication with our real estate team, Paul made it happen! His level of customer service is superior and he was always timely in answering our many questions via phone/​email.