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JC Financial, Mortgage Lender, Alamo, CA

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You have been far and away the most attentive, knowledgeable and responsive person I have worked with. I would be happy to make referrals to you.


David A.

Saratoga, CA


Three years ago my wife and I started on a quest to find the perfect house for us to raise our kids, and  when we finally found one we thought getting the financing would be impossible, but being the miracle she is, Josephine got the financing for us. We will be forever grateful to Josephine.


Tommy C.

Alamo, CA


We can’t say enough about our experience working with Josephine Chu at JC Financial.  Home buying, especially in the current climate, is stressful to say the least, but she was professional and supportive every step of the way.  She has a clear understanding of the industry, and the roles of each of the players in our process, and was able to communicate to us what to expect (and why), which helped us to be prepared and feel like we were making informed decisions at every turn.  In our case, we were 500 miles away, but she was always available, and seemed to be next door when we needed her.  At the end of the process, many of the players asked for her card and commented that "they'd never had a transaction run more smoothly," attributing much of the success to Josephine's thorough preparation and foresight.  We have recommended her to friends, family and colleagues, and plan to work with her on our upcoming efforts.


Matthew Smith

San Diego, CA


Josephine Chu worked diligently to get us through a very difficult and unusual loan process that required some creativity and aggressive follow through. She kept in constant communication with status updates and answered questions. We are now happy home owners with a mortgage we feel very comfortable with. I would definitely use Josephine’s services in the future and would recommend her to others.


Chris Hinrichs

Santa Cruz, CA


I have just bought a home with a difficult financing situation and Josephine helped me find the best rate and the loan closed within a month. I am very thankful for her hard work and impeccable customer service. I highly recommend her to everyone who looks for a mortgage consultant with integrity, ability, and the best rates.


Elena Kwan

Concord, CA


Josephine is sharp as a tack, bright, personable, and driven to results. I have no doubt she will help you find exactly what you need. Josephine is also a stellar customer advocate - she is superlatively capable, driven, and successful. She is on your side 100% of the way, and that's where you want her.


Robert Bell

Menlo Park, CA


I want you to know I was so very grateful for all your help, advice and support through every aspect of our transition. You truly went above and beyond! I hope we can work together again in the future.


Bay Area, CA


I've known Josephine for a few years and have witnessed her grow her business almost overnight.  There is no secret to her success.  She is smart, personable, and the most dedicated individual I know. Most people including myself don't know if I have the absolute best mortgage loan.  After seeing her in action, all my friends including myself have nothing but praises for her relentless at making sure we have the absolute best deal.   What really sets Josephine apart is that she genuinely wants to use her financial and analytical skills to help other people save money.  Helping others is first, making money is second. I will continue to recommend my friends to her and without a doubt, I am sure they will all be grateful for her service. 


Christina Wong

Sunnyvale, CA



We were so happy to have Josephine helping us with our new mortgage.  Having had experiences working with two other mortgage brokers on prior loans, it was refreshing to actually have transparency in the process.  Brokers always enter a deal with the intention of making money for themselves, but not always being up-front about where their money is coming from.  This makes it difficult to gauge whether you are getting a good deal or not.  Josephine was up-front and clear in her explanations of costs and fees, such that we felt we understood where we stood in the process.  We would gladly work with her again.


Tom and Rachel McCutchen

Walnut Creek, CA




I chose Josephine as my loan agent after I read all good reviews about her in yelp. I think this is one of my best decisions I ever made. Although I haven't met her before, She earned my trust just with a few phone calls and emails. Why?  Because she is very knowledgeable and honest, doesn't hide anything from you and really understand your need.  In her first email, she listed all the loan options with detailed analysis such as rate, cost, monthly payment and the suggestions for my future loan.  She is very detail-oriented and prepared almost all documents for me. When I have a question and call her, she is always there to answer my questions and concerns.  She worked very hard to close my loan application so quickly and try to save me the interest cost for existing loans.  The whole loan application process is very smooth and I feel very comfortable to work with her. Finally, I got the best loan rate with almost no closing cost (only a few hundreds bucks).  I am so glad to choose Josephine as my loan agent. I will definitely recommend her to my friends and all of you.

Yong Chu
Bay Area, CA


Josephine is beyond diligent in guiding me through the refinance process. My multiple-property situation is complex and she managed to negotiate the lowest rates at the lowest closing costs. All my loans were rejected with another lender and with her patience and tenacity we closed two loans within a couple of months' time. We are onto my third and yet most complicated one.


If you are shopping for lowest rates and best service, look no further.  I highly recommend her to my friends and family for purchase or refinance.


Sandy Wong

Los Angeles, CA


We had engaged the services of Josephine Chu to help us re-finance our house last year. Like many of our neighbors, we had a Variable ARM mortgage that did not provide us with the longer term stability we needed. Having attempted this previously with a few bank-aligned brokers, we were ready to give up and sell our house, as we either received no call back or recommendations as to how we could re-finance into an affordable fixed term mortgage. Josephine was not only able to recommend a workable solution for us, but stayed energetically engaged throughout the process and communicated each step to us clearly so that we knew exactly what was occurring in the background. I would have absolutely no reservations in referring anyone to her that may be looking to purchase or re-finance their home.


Bruce Lim

San Ramon, CA


Josephine brings decades of experience in the financial industry to deliver exceptional service as a mortgage broker. Quick follow-up and great due diligence to find great options and rates.


Mark Kress

Oakland, CA


Josephine helped me obtain the best rate possible at the time of my refinancing of my home.  She is very knowledgeable and guided me through each step of the way with regards to the new and more stringent loan rules and regulations.   The process was as smooth as it could possibly be.  I highly recommend Josephine to my friends and family.  I would use Josephine again for future loans or refinances.


Rick Wong

Elk Grove, CA


Josephine had exceptional insight into the processes at her lenders. She helped us think through timing and got our loans approved quickly. We could never have gotten as good a deal as we did without her.



Redwood City, CA


She is really honest, responsive, provides current and accurate information to me. I also recommended her to my coworker and she did extra research to help my coworker to refinance his underwater mortgage. I highly recommend her!


Clement Chi

San Ramon, CA


Josephine just helped us refinance, and I am extremely pleased with her.  My husband and I have a very difficult situation and Josephine was relentless about getting us a great rate. I highly recommend her if you are looking to refinance or purchase right now, rates are very good. It definitely can't hurt to talk to her!


Andrea Siu

Walnut Creek, CA


If you are in the market to refinance or buy a new home.....please read: Josephine came highly recommended from fellow moms from the Iron Horse Mothers Club. Josephine was very thorough, knowledgeable, honest, and was able to get us a terrific rate that none of the local banks could offer!! She is extremely detail-oriented, has over 50 lenders on her platform, and had our loan processed in 30 days! We highly recommend her!!


Ashley W.

Danville, CA


Josephine has a very professional approach to her work and provided details in the current situation.  I will certainly recommend her services to anyone.  Thank you for all your effort! 


Yvonne L.

Dublin, CA


We had a great experience working with Josephine when we refinanced our home!  She is extremely professional and honest. Also she gets the job done quickly as we refinanced in less than five weeks. We would definitely call on Josephine again!


Katy Young

Danville, CA


Josephine Chu was great to work with. She was professional, dedicated, and very informative. I was happy with the entire loan process and my fees were very competitive. I highly recommend Josephine and I would definitely do business with her again.


Lawrence Lin

San Ramon, CA


Other Professionals


I have been a title representative in the San Ramon Valley area for over 13 years.  Josephine has closed many transactions (refi's and purchases) in the last year with my office in Danville.  I have worked with many, many mortgage brokers in my years of business.  Josephine stands out among my clientele.  She is extremely knowledgeable of the financial market, very assertive and professional.  I would highly recommend her services, if you are considering refinancing or purchasing a home soon, as we have hired her to be our personal loan consultant for our upcoming purchase.


Wendi Thom

Danville, CA


Josephine Chu is amazing. She is a miracle worker. We have worked together on many transactions and I wouldn’t want to work with anyone else. She always comes through. She is a high integrity broker with incredible tenacity. I have worked in this industry for 8 years and as a business executive for 14 years and I can say that she is truly the BEST. There are so many mediocre lenders out there and she is one I TRUST IMPLICITLY to refer my clients to.


Jane Smith

Empire Realty Associates





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                                 CA DRE Lic# 01932402

                                 NMLS# 1062242