2024-05-04T04:19:51.569Z

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!

2024-05-02T03:25:32.193Z

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.

2024-04-19T01:26:59.386Z

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.

2024-02-29T20:45:21.432Z

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!

2024-02-09T17:37:15.746Z

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.

2024-02-07T16:03:38.300Z

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.

2023-10-23T20:11:13.460Z

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!

2023-10-17T00:03:29.000Z

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!

2023-10-11T22:37:37.719Z

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.🙏

2023-10-07T00:18:02.156Z

2023-09-29T20:06:45.734Z

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!

2023-08-10T22:43:04.974Z

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!

2023-08-10T01:07:54.294Z

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.

2023-07-19T18:28:53.689Z

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!

2023-07-19T15:07:47.000Z

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!

2023-07-19T15:05:43.202Z

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!

2023-07-19T14:49:49.562Z

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!

2023-07-19T14:47:23.000Z

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!

2023-06-05T01:01:22.007Z

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.

2023-04-13T16:07:48.980Z

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!!!