Working with Joe as our lender was an outstanding experience! He made the entire process smooth and seamless for our clients. From start to finish, Joe was professional, responsive, and kept us all informed every step of the way. His expertise and attention to detail ensured everything went perfectly. We’re so grateful for his hard work and dedication. I highly recommend Joe to anyone looking for... More

Working with Joe as our lender was an outstanding experience! He made the entire process smooth and seamless for our clients. From start to finish, Joe was professional, responsive, and kept us all informed every step of the way. His expertise and attention to detail ensured everything went perfectly. We’re so grateful for his hard work and dedication. I highly recommend Joe to anyone looking for a smooth and efficient lending experience for their clients! Less

We were first time home buyers and Joseph was referred to us. Now we understand when people told us that he was the best in the business. He educated us through the entire process and it felt like a family member was putting together our loan to secure us for our purchase. Highly recommend!! Thank you Joseph for helping us get our home 🏡 ❤️... More

We were first time home buyers and Joseph was referred to us. Now we understand when people told us that he was the best in the business. He educated us through the entire process and it felt like a family member was putting together our loan to secure us for our purchase. Highly recommend!! Thank you Joseph for helping us get our home 🏡 ❤️ Less

Thank you Joe for an amazing experience not only with myself, but providing exceptional client service to our wonderful clients. You are top notch in your field. Your professionalism, your knowledge and the fact that you were always available (day or night), created a easy and very smooth transaction. I hope we get a chance to work together again soon!! 10/10... More

Thank you Joe for an amazing experience not only with myself, but providing exceptional client service to our wonderful clients. You are top notch in your field. Your professionalism, your knowledge and the fact that you were always available (day or night), created a easy and very smooth transaction. I hope we get a chance to work together again soon!! 10/10 Less

I had a great experience with Joe. He’s very knowledgeable and always ensured I received competitive rates. Even if the initial rates weren’t the best, he diligently worked to match them with better options. Throughout the entire process, he was clear and well-organized. I highly recommend his services.... More

I had a great experience with Joe. He’s very knowledgeable and always ensured I received competitive rates. Even if the initial rates weren’t the best, he diligently worked to match them with better options. Throughout the entire process, he was clear and well-organized. I highly recommend his services. Less

Joe was great. Available, helpful, and responsive. Thank you Joe!

Closed in under 18 business days. Highly recommend! Will be utilizing Joe in near future

I had the opportunity to assist a lovely couple purchase their first home last month and I couldn't think of anyone better to refer them to other than Joe. He was amazing from start to finish. He found them the perfect loan program to meet their needs and was great at communicating with all parties involved to get the job done seamlessly. We were able to get our clients in their home in less than... More

I had the opportunity to assist a lovely couple purchase their first home last month and I couldn't think of anyone better to refer them to other than Joe. He was amazing from start to finish. He found them the perfect loan program to meet their needs and was great at communicating with all parties involved to get the job done seamlessly. We were able to get our clients in their home in less than 21 days. Looking forward to partnering with Joe again soon! Less

Words can't be enough to express how Joseph Kelly is the BEST! I had tried several lenders to see if I will get through with my mortgage application process but wasn't able to until I fell on the best lender through a friend referral...I tried Joseph Kelly "Joe The Mortgage Giant and I am telling you, the journey was smooth and easier than was expecting! If you are looking for a lender don't even... More

Words can't be enough to express how Joseph Kelly is the BEST! I had tried several lenders to see if I will get through with my mortgage application process but wasn't able to until I fell on the best lender through a friend referral...I tried Joseph Kelly "Joe The Mortgage Giant and I am telling you, the journey was smooth and easier than was expecting! If you are looking for a lender don't even go further Joseph Kelly got you. Thanks alot for everything, answering my call and texts made me feel you care! Thanks Joe Morgage Giant ! Less

Joe was spectacular throughout the home buying process. We purchased a new build home and closed with Joe in September 2024. He went above and beyond in assisting us through a stressful time!. He always matched and then exceeded what the builder was able to provide and got us an excellent rate. He was always willing to listen, explain anything we didn’t understand, and make sure that we understoo... More

Joe was spectacular throughout the home buying process. We purchased a new build home and closed with Joe in September 2024. He went above and beyond in assisting us through a stressful time!. He always matched and then exceeded what the builder was able to provide and got us an excellent rate. He was always willing to listen, explain anything we didn’t understand, and make sure that we understood all of our options. 10/10 overall and would highly recommend to anyone in search of a lender! Less

Joe is the best! He is very thorough and helpful with questions along the way. We had parallel loans happening, one for us and one for my daughter and with important timelines and Joe handled them both seamlessly! We highly recommend Joseph Kelley, aka 'Joe the Mortgage Giant' for all your mortgage needs! Thanks again Joe!... More

Joe is the best! He is very thorough and helpful with questions along the way. We had parallel loans happening, one for us and one for my daughter and with important timelines and Joe handled them both seamlessly! We highly recommend Joseph Kelley, aka 'Joe the Mortgage Giant' for all your mortgage needs! Thanks again Joe! Less

Joseph and his team were very professional in helping us secure a loan for our home. They worked with us to remove every obstacle, and went abov e and beyond to ensure we got the best deal available. You won't regret working with him.... More

Joseph and his team were very professional in helping us secure a loan for our home. They worked with us to remove every obstacle, and went abov e and beyond to ensure we got the best deal available. You won't regret working with him. Less

Joe was a fantastic help and source of knowledge throughout our home buying process. He was always available and ready to sit down and explain whatever we had questions on. We highly recommend him for any of your mortgage needs!... More

Joe was a fantastic help and source of knowledge throughout our home buying process. He was always available and ready to sit down and explain whatever we had questions on. We highly recommend him for any of your mortgage needs! Less

I would recommend Joseph to anyone who is looking for buy a new home! He helped my family get the best rate and trust me, he really worked hard to find us the best rate. He also gave us a lot of good advice based on what the market was doing. We always felt that he had our best interest in mind. I'm sure he has a lot of clients, but he always made us feel like his top priority. He is exceptio... More

I would recommend Joseph to anyone who is looking for buy a new home! He helped my family get the best rate and trust me, he really worked hard to find us the best rate. He also gave us a lot of good advice based on what the market was doing. We always felt that he had our best interest in mind. I'm sure he has a lot of clients, but he always made us feel like his top priority. He is exceptionally responsive, which I appreciate so much. I would totally use him again when we make our next purchase in the future. Thank you for Joseph and my realtor Jamie Le at Portfolio for putting us in our new home! 10 STARS if I could! Less

My husband and I recently had the pleasure of working with Joseph to purchase our forever home. From start to finish, it was 100% a seamless process! Right?! I mean this is a very scary time with the high interest rates and prices of homes in California . We thought and talked to our RE agent about backing out of contract. Joe reached out when he heard and calmed our nerves instantly. He was s... More

My husband and I recently had the pleasure of working with Joseph to purchase our forever home. From start to finish, it was 100% a seamless process! Right?! I mean this is a very scary time with the high interest rates and prices of homes in California . We thought and talked to our RE agent about backing out of contract. Joe reached out when he heard and calmed our nerves instantly. He was straight forward and intentional with the us. From the first minute we got in contact with him we felt comfortable, we felt like we knew him for a long time. He communicated very well with us throughout the whole process and his knowledge of loan programs and interest rates and how each fit OUR needs. Joe is the ONLY reason we bought this home. He never gave up on us! Thank you Joe! May God bless you and yours!! Less

Joe is the best! He consistently provides a 5 star service! He’s quick to respond, provides competitive rates, and gets the job done quickly! 100% recommend using Joe for all mortgage related needs!... More

Joe is the best! He consistently provides a 5 star service! He’s quick to respond, provides competitive rates, and gets the job done quickly! 100% recommend using Joe for all mortgage related needs! Less

Absolutely great experience. Joseph made the process as smooth as possible. Very helpful with all my questions. He would explain every step in detail. I will definitely recommend him to friends and family in search of a house!... More

Absolutely great experience. Joseph made the process as smooth as possible. Very helpful with all my questions. He would explain every step in detail. I will definitely recommend him to friends and family in search of a house! Less

Working with Joseph has been a great pleasure. His dedication and expertise led us to a super fast close. He's very responsive and has excellent communication skills. Process was stress free and smooth. Highly recommend him!... More

Working with Joseph has been a great pleasure. His dedication and expertise led us to a super fast close. He's very responsive and has excellent communication skills. Process was stress free and smooth. Highly recommend him! Less

Joesph and his team are awesome. He was always a phone call away with the answers to my questions, made the home buying process so easy.

Joe was wonderful, he came at the recommendation of a friend and did not disappoint. My wife and I bought our first house and he guided us seamlessly through the process. We will reccomended him to any family and friends who are looking for mortgage brokerage.... More

Joe was wonderful, he came at the recommendation of a friend and did not disappoint. My wife and I bought our first house and he guided us seamlessly through the process. We will reccomended him to any family and friends who are looking for mortgage brokerage. Less

I can't say enough good things about Joseph. You instantly feel comfortable around him. He has a heart of gold, and is an A+ go-getter for his clients. I highly recommend Joseph & GBM for your next loan!... More

I can't say enough good things about Joseph. You instantly feel comfortable around him. He has a heart of gold, and is an A+ go-getter for his clients. I highly recommend Joseph & GBM for your next loan! Less

Joe and his team facilitated this process smoothly. He dedicated time to explaining every detail to me and displayed patience as I made my decisions. I would undoubtedly recommend him to anyone seeking a positive customer experience.... More

Joe and his team facilitated this process smoothly. He dedicated time to explaining every detail to me and displayed patience as I made my decisions. I would undoubtedly recommend him to anyone seeking a positive customer experience. Less

I am a first time homebuyer and do not know how I could have gone through this process without Joe & the team. I reached out to multiple lenders and Joe was the most straightforward, honest, and great at communicating. Not to mention was able to close lightning fast! Of all the products & services I've ever received, the quality and attention received from Joe & the team were unmatched.... More

I am a first time homebuyer and do not know how I could have gone through this process without Joe & the team. I reached out to multiple lenders and Joe was the most straightforward, honest, and great at communicating. Not to mention was able to close lightning fast! Of all the products & services I've ever received, the quality and attention received from Joe & the team were unmatched. Less

Joe was so helpful and made our home buying process easy and stress free! He has immense knowledge on the home buying process from start to closing, including the VA home loan for veterans. I would definitely recommend Joe and his team to anybody looking to purchase a home!... More

Joe was so helpful and made our home buying process easy and stress free! He has immense knowledge on the home buying process from start to closing, including the VA home loan for veterans. I would definitely recommend Joe and his team to anybody looking to purchase a home! Less

My wife and I called Joseph at all hours during the day, and he answered. He set up meetings to make the process clear. He eliminated the stress, offered wise counsel on what was a long journey. When he sent a document it came with a detailed video explaining what we were looking at, and what we needed to do. Who does that? Joseph does! Joseph is a class act professional, a cut above the rest. T... More

My wife and I called Joseph at all hours during the day, and he answered. He set up meetings to make the process clear. He eliminated the stress, offered wise counsel on what was a long journey. When he sent a document it came with a detailed video explaining what we were looking at, and what we needed to do. Who does that? Joseph does! Joseph is a class act professional, a cut above the rest. Thank you Joseph. We’re loving that new home smell! Less

Joe and his team were very professional and helpful .I called at all hours of the day and night with many questions. He answered all my questions and showed me my options. Thank you Joe and your team for making the transition of being a homeowner smooth and painless. Thank you again and my family thanks you.🙏... More

Joe and his team were very professional and helpful .I called at all hours of the day and night with many questions. He answered all my questions and showed me my options. Thank you Joe and your team for making the transition of being a homeowner smooth and painless. Thank you again and my family thanks you.🙏 Less

Joe was efficient, communicative, and and overall great person to work with. His patience really pulled our closing to the finish line and wouldn’t have had it any other way!... More

Joe was efficient, communicative, and and overall great person to work with. His patience really pulled our closing to the finish line and wouldn’t have had it any other way! Less

Joseph Kelley was top class when it came to guidance, communication, and thoroughness. My wife and I came to him wanting to purchase our first home. We informed Joseph we did not know a lot about buying a home. Joseph was able to help walk through the process in a way we understood. We asked him a ton of questions. He was reasonably available and was willing to take the time to explain things to ... More

Joseph Kelley was top class when it came to guidance, communication, and thoroughness. My wife and I came to him wanting to purchase our first home. We informed Joseph we did not know a lot about buying a home. Joseph was able to help walk through the process in a way we understood. We asked him a ton of questions. He was reasonably available and was willing to take the time to explain things to us. We looked at 3 other brokers/agents before deciding to go with Joseph. We was personal, personable, and understood our goals. We will absolutely refer him to any friends and family that want to purchase a home. Less

Joe made our first time buying a home a pleasurable expericence. All of our questions were answered promptly and we learned alot along the way. We were always a head of the timeline to close and that's do to his diligence. I recommend having Joe help you. Buying a home can be a stressful process and Joe can easily help mitigate that stress.... More

Joe made our first time buying a home a pleasurable expericence. All of our questions were answered promptly and we learned alot along the way. We were always a head of the timeline to close and that's do to his diligence. I recommend having Joe help you. Buying a home can be a stressful process and Joe can easily help mitigate that stress. Less

I worked with Joseph Kelly, and his Golden Bay Mortgage team on the purchase of my first home. The level of care, attention to detail, professionalism demonstrated, and to top it -EXPEDIENCY of action delivered by Joseph and his team surpassed my expectations.  Mind you, I already had been pre-approved by my bank.  However, when I needed a little bit more help, as far as increasing my pre-approve... More

I worked with Joseph Kelly, and his Golden Bay Mortgage team on the purchase of my first home. The level of care, attention to detail, professionalism demonstrated, and to top it -EXPEDIENCY of action delivered by Joseph and his team surpassed my expectations.  Mind you, I already had been pre-approved by my bank.  However, when I needed a little bit more help, as far as increasing my pre-approved loan amount, I did not get the help I needed. The current housing market situation is very competitive, the seller gave me a chance but gave a very short contingency option. I reached out to the bank mortgage officer I was working with via phone call, left a message, and emailed, to ask/beg, if he can make some adjustments and to try to meet the 2 pm deadline.  But sad to say, after all my nerves have gone to the roof, I did not hear from him. Oh yes, I did, the next day!  And so I wasted no time, I decided to reach out and give Joseph Kelly a try.  And it was one of the best decisions I made.  Joseph, made it happen! I knew, right there I am in good hands!  And the help did not end there- as a first-time home buyer, I really appreciated Joseph's walking me through the process. His team stays on top of every detail and is there for you every step of the way to answer any questions and address any concerns.  In just 10-12 days, we close, and now my family and I have a roof over our heads. I highly recommend Joseph Kelly and his team. They will make things happen for you, and your loved ones!  Kudos! God bless! Less

I’ll preface this by mentioning my girlfriend and I are first time home buyers in the Bay Area. The home buying process was very intimidating to us. Our realtor recommended us to work with Joe and he made the process seem much easier than we initially imagined. He’s easy to talk to and answered all of our questions whether it was day or night. He’s very knowledgeable and cares about his clients. ... More

I’ll preface this by mentioning my girlfriend and I are first time home buyers in the Bay Area. The home buying process was very intimidating to us. Our realtor recommended us to work with Joe and he made the process seem much easier than we initially imagined. He’s easy to talk to and answered all of our questions whether it was day or night. He’s very knowledgeable and cares about his clients. He also ensured that we are able to afford the house we wanted and took his time to run the numbers every time we were interested in a property. After everything was said and done with Joe, applying for a mortgage loan doesn’t seem as scary as before. I highly recommend him! Less

I’ll preface this by mentioning my girlfriend and I are first time home buyers in the Bay Area. The home buying process was very intimidating to us. Our realtor recommended us to work with Joe and he made the process seem much easier than we initially imagined. He’s easy to talk to and answered all of our questions whether it was day or night. He’s very knowledgeable and cares about his clients. ... More

I’ll preface this by mentioning my girlfriend and I are first time home buyers in the Bay Area. The home buying process was very intimidating to us. Our realtor recommended us to work with Joe and he made the process seem much easier than we initially imagined. He’s easy to talk to and answered all of our questions whether it was day or night. He’s very knowledgeable and cares about his clients. He also ensured that we are able to afford the house we wanted and took his time to run the numbers every time we were interested in a property. After everything was said and done with Joe, applying for a mortgage loan doesn’t seem as scary as before. I highly recommend him! Less

Joe was highly recommended by our realtor. My boyfriend and I filled out his online application and Joe reached out immediately and spoke to us (on a Sunday night) about our goals and explained how the current market worked. He ran our numbers and worked with us to ensure that we were able to get the house we wanted at the price we wanted. The home buying process seemed very intimidating but Joe ... More

Joe was highly recommended by our realtor. My boyfriend and I filled out his online application and Joe reached out immediately and spoke to us (on a Sunday night) about our goals and explained how the current market worked. He ran our numbers and worked with us to ensure that we were able to get the house we wanted at the price we wanted. The home buying process seemed very intimidating but Joe made it so easy for us! All we had to do was provide him with identification and a couple of bank statements and Joe took care of the rest. I loved that Joe kept us updated every part of the way, whether it required his attention at 11pm or 6am, he was there. Thank you, Joe, for making our home buying experience so painless! Less

Joe was highly recommended by our realtor. My boyfriend and I filled out his online application and Joe reached out immediately and spoke to us (on a Sunday night) about our goals and explained how the current market worked. He ran our numbers and worked with us to ensure that we were able to get the house we wanted at the price we wanted. The home buying process seemed very intimidating but Joe ... More

Joe was highly recommended by our realtor. My boyfriend and I filled out his online application and Joe reached out immediately and spoke to us (on a Sunday night) about our goals and explained how the current market worked. He ran our numbers and worked with us to ensure that we were able to get the house we wanted at the price we wanted. The home buying process seemed very intimidating but Joe made it so easy for us! All we had to do was provide him with identification and a couple of bank statements and Joe took care of the rest. I loved that Joe kept us updated every part of the way, whether it required his attention at 11pm or 6am, he was there. Thank you, Joe, for making our home buying experience so painless! Less

Joe was fantastic. As a first-time solo homebuyer I had a lot of questions and also had wrinkle come up during escrow. He patiently walked me through everything and got things ironed out so we still closed on time. I highly recommend him and his team.... More

Joe was fantastic. As a first-time solo homebuyer I had a lot of questions and also had wrinkle come up during escrow. He patiently walked me through everything and got things ironed out so we still closed on time. I highly recommend him and his team. Less

Joe Kelley is the best lender we have ever worked with! He was thorough and available for our many questions during the process of purchasing our home. His kindness, understanding and welcoming demeanor made it easy to reach out to him whenever a need arose from the normal demands of buying a house. We completely recommend Joe Kelley and are already referring others to him. Thank you, Joe, for e... More

Joe Kelley is the best lender we have ever worked with! He was thorough and available for our many questions during the process of purchasing our home. His kindness, understanding and welcoming demeanor made it easy to reach out to him whenever a need arose from the normal demands of buying a house. We completely recommend Joe Kelley and are already referring others to him. Thank you, Joe, for everything!!! Less

Joe was absolutely amazing through the entire process and made the whole process easy and smooth. Buying a home can be a very stressful experience but he made it much easier. Thank you for everything!... More

Joe was absolutely amazing through the entire process and made the whole process easy and smooth. Buying a home can be a very stressful experience but he made it much easier. Thank you for everything! Less

Worked smoothly with all aspects of my buy and sell in this case. Always on top of any issues that arose and took care without needing to follow up. Very professional and friendly. Thank you to Joe and his team!... More

Worked smoothly with all aspects of my buy and sell in this case. Always on top of any issues that arose and took care without needing to follow up. Very professional and friendly. Thank you to Joe and his team! Less

Joseph and his team did an excellent job and I would highly recommend him to the people I know! He is very knowledgeable, easy to work with and keeps his clients informed during the entire process. Thank you, Joseph! Diana Pickering... More

Joseph and his team did an excellent job and I would highly recommend him to the people I know! He is very knowledgeable, easy to work with and keeps his clients informed during the entire process. Thank you, Joseph! Diana Pickering Less

Joe has been an absolute asset to our team and has shown to have an intricate knowledge of the mortgage industry! We have had multiple occasions where Joe has been able to overcome obstacles before they even become an issue! He always is on top of communicating with clients and has never failed in returning my calls!... More

Joe has been an absolute asset to our team and has shown to have an intricate knowledge of the mortgage industry! We have had multiple occasions where Joe has been able to overcome obstacles before they even become an issue! He always is on top of communicating with clients and has never failed in returning my calls! Less

Joe is awesome! As a first-time purchasing a home, Joe and his team kept me at ease. They were vastly knowledgeable, approachable, and could push through any big or small obstacle. One of my favorite methods of Joe's was his ability to create short videos to simplify the mortgage loan process. And that's just one of many hidden gems that adds to his dedication and willingness to put the clien... More

Joe is awesome! As a first-time purchasing a home, Joe and his team kept me at ease. They were vastly knowledgeable, approachable, and could push through any big or small obstacle. One of my favorite methods of Joe's was his ability to create short videos to simplify the mortgage loan process. And that's just one of many hidden gems that adds to his dedication and willingness to put the client first. If anyone is looking for an exceptional lender, I highly recommend Joe The Mortgage Giant! Less

If you are looking for a loan officer that genuinely cares about his clients and will go the extra mile, Joe Kelley is the perfect guy. As a new agent, I had the pleasure of working with Joe on my very first deal. He was attentive and diligent in his work; and we were able to close earlier than anticipated. Communication was always clear and it was a seamless transaction for the loan. I cannot re... More

If you are looking for a loan officer that genuinely cares about his clients and will go the extra mile, Joe Kelley is the perfect guy. As a new agent, I had the pleasure of working with Joe on my very first deal. He was attentive and diligent in his work; and we were able to close earlier than anticipated. Communication was always clear and it was a seamless transaction for the loan. I cannot recommend joe enough if you are looking for an awesome loan officer! Less

Joseph is very knowledgeable about loans and I had a pleasure working with him multiple times. He is THE GUY I call for any mortgage needs.

Joseph and his team are amazing! He helped me and my wife buy a beautiful home when we thought it wasn't possible. He was super helpful and answered all of our questions to help us understand everything that was going on in the process, not just him but his team as well. We will definitely be recommending him to anybody we know trying to buy a home.... More

Joseph and his team are amazing! He helped me and my wife buy a beautiful home when we thought it wasn't possible. He was super helpful and answered all of our questions to help us understand everything that was going on in the process, not just him but his team as well. We will definitely be recommending him to anybody we know trying to buy a home. Less

I gave Joe a huge task that another lender just couldn't complete within what I was looking to do. I had a nightmare of a refinance with multiple liens and Joe was able to navigate me through the process which took months! He was kind, knowledgeable, and best of all focused! He was easy to work with and always responded (even late at night). I would definitely work with Joe again and will recomme... More

I gave Joe a huge task that another lender just couldn't complete within what I was looking to do. I had a nightmare of a refinance with multiple liens and Joe was able to navigate me through the process which took months! He was kind, knowledgeable, and best of all focused! He was easy to work with and always responded (even late at night). I would definitely work with Joe again and will recommend him to everyone! Less

Joe was the BEST in helping us find our first home. There is no one else I'd recommend to use for this process. Joe takes the time, care, and effort needed to ensure home-buyers are secure and happy. We couldn't have done this without him, and are so happy to be in our beautiful new home, with a just-right mortgage and a low interest rate. I recommend Joe in the highest regards. I can say with f... More

Joe was the BEST in helping us find our first home. There is no one else I'd recommend to use for this process. Joe takes the time, care, and effort needed to ensure home-buyers are secure and happy. We couldn't have done this without him, and are so happy to be in our beautiful new home, with a just-right mortgage and a low interest rate. I recommend Joe in the highest regards. I can say with full certainty that you will be well-taken care of! Thank you Joe!!! Less

My family and I had a great experience working with Joe. We were able to reach out to him at anytime of the day with our questions and he was always quick with answers Joe made our first home purchase a very easy process as he guided us from start to end. I would recommend Joe to anyone who is liking to invest in a new home, very patient and helpful.... More

My family and I had a great experience working with Joe. We were able to reach out to him at anytime of the day with our questions and he was always quick with answers Joe made our first home purchase a very easy process as he guided us from start to end. I would recommend Joe to anyone who is liking to invest in a new home, very patient and helpful. Less

Joseph is amazing !!!! I highly recommend. Gets the job, very polite and professional.

Joe and his team are the best professionals we've ever worked with! Our appreciation goes out to Joe and his team for their professional, fast, and responsive support through our Loan application. It was a fast, effective, and smooth process from beginning to end. In the future, we will definitely work with Joe!... More

Joe and his team are the best professionals we've ever worked with! Our appreciation goes out to Joe and his team for their professional, fast, and responsive support through our Loan application. It was a fast, effective, and smooth process from beginning to end. In the future, we will definitely work with Joe! Less

Joe and his team are the best professionals we've ever worked with! Our appreciation goes out to Joe and his team for their professional, fast, and responsive support through our Loan application. It was a fast, effective, and smooth process from beginning to end. In the future, we will definitely work with Joe!... More

Joe and his team are the best professionals we've ever worked with! Our appreciation goes out to Joe and his team for their professional, fast, and responsive support through our Loan application. It was a fast, effective, and smooth process from beginning to end. In the future, we will definitely work with Joe! Less

Joseph and everyone on his team are INCREDIBLE at their jobs. His open communication, organization, and preparation really made each part of the home buying process easier. The seller's agent raved about Mr. Kelley's professionalism and asked me for his contact information so she could work with him in the future. He was essential in our offer being accepted. Thank you so much Joseph.... More

Joseph and everyone on his team are INCREDIBLE at their jobs. His open communication, organization, and preparation really made each part of the home buying process easier. The seller's agent raved about Mr. Kelley's professionalism and asked me for his contact information so she could work with him in the future. He was essential in our offer being accepted. Thank you so much Joseph. Less

My wife and I were in a big hurry to close on a new house and Joseph really helped us pull out all the stops. Joseph kept the lending side of things moving forward without a hitch and we were able to close within two weeks of making an offer. Really outstanding degree of responsiveness. Not to mention we shopped lenders a bit and Joseph came out the clear winner. Really impressed!... More

My wife and I were in a big hurry to close on a new house and Joseph really helped us pull out all the stops. Joseph kept the lending side of things moving forward without a hitch and we were able to close within two weeks of making an offer. Really outstanding degree of responsiveness. Not to mention we shopped lenders a bit and Joseph came out the clear winner. Really impressed! Less

I highly recommend Joseph Kelley as your mortgage agent. Him and his team are fast, professional and gets the job done! We had 10 days to close and Joseph was able to get it done with time to spare! I love our new home!... More

I highly recommend Joseph Kelley as your mortgage agent. Him and his team are fast, professional and gets the job done! We had 10 days to close and Joseph was able to get it done with time to spare! I love our new home! Less

Joe is masterful in his work. We had an exceptional experience working with him. Coming from the mortgage industry myself, I have an idea of how the process should work. He checked off all of our boxes: knowledgeable, supportive, available, and among many other things communicative. He made sure we were informed and on top of our game from the moment we pre-approved to the moment our builder hand... More

Joe is masterful in his work. We had an exceptional experience working with him. Coming from the mortgage industry myself, I have an idea of how the process should work. He checked off all of our boxes: knowledgeable, supportive, available, and among many other things communicative. He made sure we were informed and on top of our game from the moment we pre-approved to the moment our builder handed us the keys. I rarely leave reviews, but this was a job well done. I recommend him to anyone looking for a peace of mind during the home buying process. Less

Joe is fantastic to work with! Him and his team are exceptionally fast and efficient at what they do. This was our first time purchasing a home and we never felt left in the dark nor misinformed. Anyone who is looking to purchase real estate or refinance, Joe is that guy!... More

Joe is fantastic to work with! Him and his team are exceptionally fast and efficient at what they do. This was our first time purchasing a home and we never felt left in the dark nor misinformed. Anyone who is looking to purchase real estate or refinance, Joe is that guy! Less

Joe was fantastic from beginning to end! We just purchased our first home, and I honestly wasn’t looking forward to the paperwork (absolutely despise it). However, Joe and his team made the mortgage loan process so easy and seamless, and answered all my questions (I had many) in a timely manner. If you’re looking to close quickly with no hiccups, Joe is your guy! Highly recommend!!!... More

Joe was fantastic from beginning to end! We just purchased our first home, and I honestly wasn’t looking forward to the paperwork (absolutely despise it). However, Joe and his team made the mortgage loan process so easy and seamless, and answered all my questions (I had many) in a timely manner. If you’re looking to close quickly with no hiccups, Joe is your guy! Highly recommend!!! Less

If you are looking for a good lender Joe is the best. He's on the ball goes above and beyond to meet your needs! He's not only nice , hes very dedicated and trustworthy and we are thankful and extremely satisfied for his services.... More

If you are looking for a good lender Joe is the best. He's on the ball goes above and beyond to meet your needs! He's not only nice , hes very dedicated and trustworthy and we are thankful and extremely satisfied for his services. Less

Joe is very informative with home loans and has a great response time to all questions. Would recommend 100%.

Joe was an absolute pleasure to work with. He worked extremely quickly and always answered our questions in a timely manner!

What can I say about Joe other than amazing!!! Joe worked with us for over a year while we searched for our perfect house. I can't tell you how many times I called him asking for payment details on perspective properties, way too many, lol. Joe never once acted like I was bothering him, always ready to help my wife and I. He made the whole process so easy and always talked us through each par... More

What can I say about Joe other than amazing!!! Joe worked with us for over a year while we searched for our perfect house. I can't tell you how many times I called him asking for payment details on perspective properties, way too many, lol. Joe never once acted like I was bothering him, always ready to help my wife and I. He made the whole process so easy and always talked us through each part and what to expect. I can't recommend him and his team enough!!! Less

I worked with Joseph for my first home buying experience and have nothing but good things to say! Worked with me day and night at almost any hour and made things extremely quick and easy. I can highly recommend him... More

I worked with Joseph for my first home buying experience and have nothing but good things to say! Worked with me day and night at almost any hour and made things extremely quick and easy. I can highly recommend him Less

Joseph and his team are amazing, professional and very knowledgeable. Joseph never made me feel like I was bother him, he is very patient, even when I called on the weekends. I highly recommend him and his team for any lending needs. I will continue to refer him to my family, friends and anyone that needs his assistance. Thank you so much.... More

Joseph and his team are amazing, professional and very knowledgeable. Joseph never made me feel like I was bother him, he is very patient, even when I called on the weekends. I highly recommend him and his team for any lending needs. I will continue to refer him to my family, friends and anyone that needs his assistance. Thank you so much. Less

After THREE long years leading us to no where we met " joe the mortgage Giant" and he got us pre approved and closed in almost 4 months! all our children have their own rooms and our dogs have a yard of their own! thank you Joseph Kelley for our first home 🏡... More

After THREE long years leading us to no where we met " joe the mortgage Giant" and he got us pre approved and closed in almost 4 months! all our children have their own rooms and our dogs have a yard of their own! thank you Joseph Kelley for our first home 🏡 Less

Joe was exceptional and really helped make our homebuying dreams possible. The transaction was quick, easy and Joe was fast at replying! We highly recommend and will be back in the future!... More

Joe was exceptional and really helped make our homebuying dreams possible. The transaction was quick, easy and Joe was fast at replying! We highly recommend and will be back in the future! Less

Joe is an excellent loan officer. He has been very responsive, knowledgeable, and helpful throughout the whole process for our purchase. Our escrow closed earlier than the expected date because of Joe and his team.... More

Joe is an excellent loan officer. He has been very responsive, knowledgeable, and helpful throughout the whole process for our purchase. Our escrow closed earlier than the expected date because of Joe and his team. Less

Joe was amazing throughout our refi process. He had patiences with us when we were deciding which option to go with, he provided detailed videos to make sure we understood the documents and the process. I highly recommend him if you have any mortgage needs.... More

Joe was amazing throughout our refi process. He had patiences with us when we were deciding which option to go with, he provided detailed videos to make sure we understood the documents and the process. I highly recommend him if you have any mortgage needs. Less

Joe was very professional, friendly, patient, and responsive to any inquiry. His video updates are fantastic.

Joseph was very responsive to my questions and needs during the process. He is also provided advice at not cost or pressure which is what I needed as this can be a stressful process at times. I high recommend him and refer all my family and friends.... More

Joseph was very responsive to my questions and needs during the process. He is also provided advice at not cost or pressure which is what I needed as this can be a stressful process at times. I high recommend him and refer all my family and friends. Less

Joe always responded immediately to our questions. He is very knowledgeable and professional. He explained our options in great detail. Our experience was excellent and we highly recommend his services.... More

Joe always responded immediately to our questions. He is very knowledgeable and professional. He explained our options in great detail. Our experience was excellent and we highly recommend his services. Less

I cannot speak highly enough of Joe. My wife and I have been working with Joe Kelley for the last 8 months. We put 9 offers in on different homes through that time period. Every time we called Joe he picked up the phone and every time we emailed him, he got back to us the same day. To say that he was responsive is an understatement. He also was able to explain multiple options for financing ... More

I cannot speak highly enough of Joe. My wife and I have been working with Joe Kelley for the last 8 months. We put 9 offers in on different homes through that time period. Every time we called Joe he picked up the phone and every time we emailed him, he got back to us the same day. To say that he was responsive is an understatement. He also was able to explain multiple options for financing for our mortgage. And when we were in escrow, he closed extremely quick. He was prompt, friendly, knowledgeable and always accessable. We will be using him in the future if we have any more home purchases. Less

Joseph Kelley is a consummate professional, and his responsiveness and attention to detail gave me confidence in every step of the refi process. When one enters unfamiliar water it's good important to have a lifeguard present. Joseph is that lifeguard. Thank you for all you do.... More

Joseph Kelley is a consummate professional, and his responsiveness and attention to detail gave me confidence in every step of the refi process. When one enters unfamiliar water it's good important to have a lifeguard present. Joseph is that lifeguard. Thank you for all you do. Less

As first-time homebuyers Joe was super helpful the whole way through, from start to finish. He responds in a timely manner and he was happy to answer the many, many questions we had about various situations and scenarios. He really made the process extremely painless, and as he promised, he over-delivered on just about every service and product he delivered personally or that he negotiated on our... More

As first-time homebuyers Joe was super helpful the whole way through, from start to finish. He responds in a timely manner and he was happy to answer the many, many questions we had about various situations and scenarios. He really made the process extremely painless, and as he promised, he over-delivered on just about every service and product he delivered personally or that he negotiated on our behalf. Give Joe a call if you are at any step of a home buying journey (or if you are wondering if that journey is even possible… which is where we started with him.)! Less

Made the process super easy and was always responsive and helpful! Would definitely recommend Joseph and his team to others!!

Our experience with Golden Bay Mortgage was a bit unorthodox, due to the very short time frame in which we had to be moved out of our apartment. We had less than 45 days to find the right home, go through the entire process of qualifying for a Mortgage Loan and then closing on the sale. Mr. J. Kelly really never had the efficient time allotment/opportunity to guide counsel us through all the ins... More

Our experience with Golden Bay Mortgage was a bit unorthodox, due to the very short time frame in which we had to be moved out of our apartment. We had less than 45 days to find the right home, go through the entire process of qualifying for a Mortgage Loan and then closing on the sale. Mr. J. Kelly really never had the efficient time allotment/opportunity to guide counsel us through all the ins-and-outs our Mortgage Loan Process. However, he did promise my wife and I that we would be in our home and assisted us through the process, as crest as possible. For the reason of honoring his words, we give Joseph Kelly "Five Star" approval. My belief is that the provision/s of more time allotment, would have offered Mr. Kelly much more advantages to really advise us effectively in the process of mortgage lending. Thank you Mr. Joseph Kelly & Golden Bay Mortgage for Seeing us through this process under pressured circumstances! Less

Advertising and marketing have become very sophisticated industries in creating influence and monopoly in the United States which sometimes involve illusion and deception. Sophisticated advertising and marketing efforts often surpass the quality of the service or the item that is being advertised or marketed. They can make one believe that glass is diamond and brass is gold. Thus, one must fil... More

Advertising and marketing have become very sophisticated industries in creating influence and monopoly in the United States which sometimes involve illusion and deception. Sophisticated advertising and marketing efforts often surpass the quality of the service or the item that is being advertised or marketed. They can make one believe that glass is diamond and brass is gold. Thus, one must filter the noise. Once you have established the necessary financial credit, you more likely cannot get the most appropriate mortgage that you could qualify for by your own. A qualified broker is needed who: 1) understands the business and the lenders; 2) can shop for you among various lenders; and 3) is very agile and responsive. Joseph Kelley of the Golden Bay Mortgage Group has proven to us again to be that qualified mortgage broker. Joseph Kelley understands the business, listens carefully, and acts promptly. Just provide your financial documents and let him drive your application to final completion. Yoel R. Afhami Less

I have twenty years of real estate experience professionally and this was my fourth time buying a house personally and I can say Joseph is the best lender I’ve ever worked worth in both regards. Easy, fast, stress-free, efficient and communicative! He’s the only one who I will ever use going forward.... More

I have twenty years of real estate experience professionally and this was my fourth time buying a house personally and I can say Joseph is the best lender I’ve ever worked worth in both regards. Easy, fast, stress-free, efficient and communicative! He’s the only one who I will ever use going forward. Less

Joe made the refinance process very smooth and an ease for us. Both him and his team are professional and responsive. I highly recommend using Joe at Golden Bay.... More

Joe made the refinance process very smooth and an ease for us. Both him and his team are professional and responsive. I highly recommend using Joe at Golden Bay. Less

I would call and text Joseph Kelley throughout the day and even on weekends with random questions through the loan process and Mr. Kelley was always responsive and extremely helpful throughout the process even after loan closing... More

I would call and text Joseph Kelley throughout the day and even on weekends with random questions through the loan process and Mr. Kelley was always responsive and extremely helpful throughout the process even after loan closing Less

We recently went to Joe to do a cash out refinance . From the get go Joe was very profession and punctual with every step of the process. Joe was ver clear and concise with his communication. I will gladly recommend Joe”The Mortgage Giant” to all my friends, family, and clients in the future... More

We recently went to Joe to do a cash out refinance . From the get go Joe was very profession and punctual with every step of the process. Joe was ver clear and concise with his communication. I will gladly recommend Joe”The Mortgage Giant” to all my friends, family, and clients in the future Less

Joseph Kelley once again exceeded expectations and helped us take care of some needed things with our refinance. He is thorough, responsive and a pleasure to work with! Thank you Joe!... More

Joseph Kelley once again exceeded expectations and helped us take care of some needed things with our refinance. He is thorough, responsive and a pleasure to work with! Thank you Joe! Less

We were delighted to work with Joseph and his team. It is clear that they know what they are doing, and truly care about the people they work with. We highly recommend!... More

We were delighted to work with Joseph and his team. It is clear that they know what they are doing, and truly care about the people they work with. We highly recommend! Less

Joseph Kelley just guided us through our home refinance. From open to closing it took less than three weeks. If you want to refinance and have everything go smoothly, quickly, and painlessly, you need to call Joe. He is fantastic.... More

Joseph Kelley just guided us through our home refinance. From open to closing it took less than three weeks. If you want to refinance and have everything go smoothly, quickly, and painlessly, you need to call Joe. He is fantastic. Less

Joe was very helpful and it made the whole process very easy. No major problems and I allowed to close very quickly on our new home.

Joseph and his team were great in helping us secure a mortgage on our terms for our dream house. Thank you Golden Bay Mortgage!

The Golden Bay Mortgage team is top notch. We have used them to refinance and later to purchase a new home. The entire team makes the process seamless and concise. Joe Kelly was awesome during our refinance. He was knowledgeable and professional to ensure we got the lowest possible rate during our refinance. Leela O’Neal was so attentive during the purchase of our new home. We had a shorter close... More

The Golden Bay Mortgage team is top notch. We have used them to refinance and later to purchase a new home. The entire team makes the process seamless and concise. Joe Kelly was awesome during our refinance. He was knowledgeable and professional to ensure we got the lowest possible rate during our refinance. Leela O’Neal was so attentive during the purchase of our new home. We had a shorter close and she was on top of the process and details to make sure we were frequently updated and helped us connect all parties (we were doing a relocation through work) that had different needs and asks throughout the process. I know her persistence was the reason we were able to meet the shorter timeline. Thank you Golden Bay Mortgage Team! Less

The Golden Bay Mortgage team is top notch. We have used them to refinance and later to purchase a new home. The entire team makes the process seamless and concise. Joe Kelly was awesome during our refinance. He was knowledgeable and professional to ensure we got the lowest possible rate during our refinance. Leela O’Neal was so attentive during the purchase of our new home. We had a shorter close... More

The Golden Bay Mortgage team is top notch. We have used them to refinance and later to purchase a new home. The entire team makes the process seamless and concise. Joe Kelly was awesome during our refinance. He was knowledgeable and professional to ensure we got the lowest possible rate during our refinance. Leela O’Neal was so attentive during the purchase of our new home. We had a shorter close and she was on top of the process and details to make sure we were frequently updated and helped us connect all parties (we were doing a relocation through work) that had different needs and asks throughout the process. I know her persistence was the reason we were able to meet the shorter timeline. Thank you Golden Bay Mortgage Team! Less

I was so amazed at how fast Joe was able to close on my refinance loan! He worked through the numbers to ensure I get the best rates possible. He achieved and even exceeded my expectation for refinancing. I will definitely partner with Joe for my future mortgage financing needs!... More

I was so amazed at how fast Joe was able to close on my refinance loan! He worked through the numbers to ensure I get the best rates possible. He achieved and even exceeded my expectation for refinancing. I will definitely partner with Joe for my future mortgage financing needs! Less

Joseph was great to work with for a refinance that we did recently did. He got us a great rate and the process of communicating with him was effortless. He made himself accessible. He answered all of my questions and concerns with patience and clarity. He also always did exactly what he said he was going to do. He is the consummate professional and I have no reservations in recommending him.... More

Joseph was great to work with for a refinance that we did recently did. He got us a great rate and the process of communicating with him was effortless. He made himself accessible. He answered all of my questions and concerns with patience and clarity. He also always did exactly what he said he was going to do. He is the consummate professional and I have no reservations in recommending him. Less

Joe was professional and courteous as he answered every text phone call and email in the process of our refinance. He also haggle with our appraisal to get a lower interest rate.... More

Joe was professional and courteous as he answered every text phone call and email in the process of our refinance. He also haggle with our appraisal to get a lower interest rate. Less

Joseph Kelley was knowledgeable and easy to work with. My refinance went through without a glitch.

Great rates. Joseph made the process clear and easy

Joe always quickly responded to us. He went above and beyond on the pre-approval process and then we switched gears and decided to refinance instead he didn't miss a beat and immediately met our needs. Highly recommend Joe!... More

Joe always quickly responded to us. He went above and beyond on the pre-approval process and then we switched gears and decided to refinance instead he didn't miss a beat and immediately met our needs. Highly recommend Joe! Less

Joseph Kelly was awesome from the first time we spoke with him. He follow up diligently and even though we changed our plans several times, his responsiveness was amazing. Same day 99% of the time response rate is excellent in my book. He got us a great rate and the process went smooth. I would recommend him to anyone.... More

Joseph Kelly was awesome from the first time we spoke with him. He follow up diligently and even though we changed our plans several times, his responsiveness was amazing. Same day 99% of the time response rate is excellent in my book. He got us a great rate and the process went smooth. I would recommend him to anyone. Less

Joe helped us with our refinance and was super knowledgeable and extremely helpful. With his help, the process was fast and seamless.

Joe was just what you need from start to finish. Very easy to work with.. timeline was quick .. and he had the right answers as soon as he was asked 😎 Best of all you can put a face with the man behind your mortgage solutions Highly recommended Joe the giant 🏡🇺🇸... More

Joe was just what you need from start to finish. Very easy to work with.. timeline was quick .. and he had the right answers as soon as he was asked 😎 Best of all you can put a face with the man behind your mortgage solutions Highly recommended Joe the giant 🏡🇺🇸 Less

I’ve attempted a few times to go through the process of purchasing a home. It always seemed like learning a different language. I also felt that the parties involved couldn’t and wouldn’t make everything clear to me along the way. I was blown away when I began working with Joseph. He was unbelievably patient and CLEAR! He made every part of the process very comfortable by knowing my questions bef... More

I’ve attempted a few times to go through the process of purchasing a home. It always seemed like learning a different language. I also felt that the parties involved couldn’t and wouldn’t make everything clear to me along the way. I was blown away when I began working with Joseph. He was unbelievably patient and CLEAR! He made every part of the process very comfortable by knowing my questions before I even asked them. He has a fascinating method that guided me to the next step and had the heart of a teacher along the way. I truly walked away from this experience not only with a house that I love, but I felt very well equipped for this purchase. I’m incredibly thankful for my experience and believe anyone who is looking to buy a home would be missing out if you don’t reach out and see how Joseph can help. Less

Joe was very helpful to talk us through the process and great at pushing through the inevitable challenges that come up.

Joseph Kelley finalized two mortgages for us. My husband (Yoel Afhami) and I are very happy with his service. Joseph is an expert, very responsive, a great listener, and a true professional.... More

Joseph Kelley finalized two mortgages for us. My husband (Yoel Afhami) and I are very happy with his service. Joseph is an expert, very responsive, a great listener, and a true professional. Less

Joseph Kelley has helped me refinance my house three times during the past three years.I requested the first one and when the rates went much lower, he recommended refinancing again. For all three transactions I felt as if a caring family member was helping me with the process. Joe was punctual, detailed oriented, very patient with my questions, and did everything in a timely manner. If you want ... More

Joseph Kelley has helped me refinance my house three times during the past three years.I requested the first one and when the rates went much lower, he recommended refinancing again. For all three transactions I felt as if a caring family member was helping me with the process. Joe was punctual, detailed oriented, very patient with my questions, and did everything in a timely manner. If you want to have a speedy and diligent process for getting a loan or refinancing ask Joseph Kelley for help. Thank you Joe! Less

In my real estate career, I have shopped many mortgage companies and agents. After all my research and experience, I have found what I believe to be the best in Joe - the Mortgage Giant. I’m confident that when you work with Joe, you will find the same.... More

In my real estate career, I have shopped many mortgage companies and agents. After all my research and experience, I have found what I believe to be the best in Joe - the Mortgage Giant. I’m confident that when you work with Joe, you will find the same. Less

Joe has been excellent in helping us finance our recent new home purchase. He was always there and ready to help, many times after hours, and also very patient with us as we had numerous questions. I appreciate his willingness to "go above and beyond the call to duty" as we navigated through the process. He has answered questions for us even after the deal was completed, we are looking forward... More

Joe has been excellent in helping us finance our recent new home purchase. He was always there and ready to help, many times after hours, and also very patient with us as we had numerous questions. I appreciate his willingness to "go above and beyond the call to duty" as we navigated through the process. He has answered questions for us even after the deal was completed, we are looking forward to using him again for our next home purchase. Thank you, Joe! 👍😊 Less

Joe was extremely knowledgeable and hardworking throughout the entire process. I was probably not the easiest refinance because I wanted the world and then some, but he remained professional the entire time and gave me everything I needed so I could make the best decision for “Me.” Endurance matters, I would definitely give him first crack at any refinance in the future. He’s the guy to beat!... More

Joe was extremely knowledgeable and hardworking throughout the entire process. I was probably not the easiest refinance because I wanted the world and then some, but he remained professional the entire time and gave me everything I needed so I could make the best decision for “Me.” Endurance matters, I would definitely give him first crack at any refinance in the future. He’s the guy to beat! Less

Joseph promptly responded to all our questions with detailed answers. We have refinanced several times over the last 20 years this was by far one of our best experiences. He was able to lock in the best rate out there! We highly recommend Joseph Kelley to all our friends and family.... More

Joseph promptly responded to all our questions with detailed answers. We have refinanced several times over the last 20 years this was by far one of our best experiences. He was able to lock in the best rate out there! We highly recommend Joseph Kelley to all our friends and family. Less

Joseph is, by far, the best mortgage broker I have ever dealt with: easy to work with, extremely fast in his responses, accurate, knowledgeable and very efficient. I recently refinanced 2 properties with Joseph and could not be happier with his service.... More

Joseph is, by far, the best mortgage broker I have ever dealt with: easy to work with, extremely fast in his responses, accurate, knowledgeable and very efficient. I recently refinanced 2 properties with Joseph and could not be happier with his service. Less

We moved to Sacramento for my new job. Joseph worked very hard throughout the loan process so that we we able to close quickly and move into our new house in just a few weeks... More

We moved to Sacramento for my new job. Joseph worked very hard throughout the loan process so that we we able to close quickly and move into our new house in just a few weeks Less

Joe's been amazing to work with, super thorough and detail oriented! we're very pleased with him and Golden Bay

I reached out to Joseph Kelley for financial advice and help with refinancing my house around mid December. He patiently worked with me and made sure the deal was done in about two weeks; before the interest rates changed. He was professional and punctual for every step and took care of the deal as if I was a family member. I highly recommend Joseph Kelley and would go back to him for future busi... More

I reached out to Joseph Kelley for financial advice and help with refinancing my house around mid December. He patiently worked with me and made sure the deal was done in about two weeks; before the interest rates changed. He was professional and punctual for every step and took care of the deal as if I was a family member. I highly recommend Joseph Kelley and would go back to him for future business. Thank you Joe! Azita J. Less