Testimonials

  •   I always believed in "Right People, Right Place, Right Time". We were so fortunate to have found Mike at the right time. We are now a proud house owner, in the bay area, because of Mike. He was a phenomenal agent! His dedication to finding us our first home was more than we ever expected. He was always on our side working to make our house purchase as simple and successful as possible. The best part about working with Mike was that he was always more focused on answering our questions, giving us good advice, and finding homes that met our needs than he was on closing a deal. I would like to thank Mike for his incredible patience with me. Throughout the past several months, Mike has been there every step of the way. He has always answered every call or email no matter what time of day or night it was. His professionalism, mentorship, knowledge, honesty, and hard work ethic are much respected and appreciated. I never felt that he was just trying to sell me a house, but that he was a mentor to answer my questions and help me to make the best decision for my family. The best part is that we now have a new friend, I now consider Mike a friend, - a friendship that will continue to grow!. I would highly recommend him to anyone that is searching for a new home, and will continue to share his name with our friends and family!. I will be glad, at any time, to refer Mike to anyone who is seeking a home in the bay area.Thanks again to Mike for being such a pleasure to work with. Keep up the excellent work Mike and THANK YOU.

    thumb Devan K.
    3/11/2016

      Michael at Ascend Mortgage was great! We found him through word of mouth by a friend of ours who highly recommended him, as we would do the same for our friends. We recently refinanced through him and he was able to get us a great rate.  He is very professional and efficient.  He was able to answer any questions we had right away via email at all hours of the day; mornings, nights and even weekends.  With our crazy schedules, he was able to set up an appointment with the underwriter to come to our house at 10pm! We appreciate this effort very much!

    Michael is also extremely knowledgeable, as mortgages are extremely confusing for most of us 🙂 He does a great job organizing and outlining all costs of your loan in an easy-to-read & understand front cover page of your loan documents.  Everything can also be read and emailed to you online.  Very convenient! Thanks to Mike, this process of refinancing can be done easily! 🙂

    thumb Kathleen C.
    4/07/2014

      I worked with Michael after finding him via yelp.

    He is consistently organized, knowledgeable and responsive. Getting all the paperwork gathered is a definite hassle and Michael was way better than I was keeping it all straight.

    He has been calm and reassuring despite some last minutes hoops with the lender. I am grateful for his service.

    thumb Edith P.
    7/30/2019
  •   Mike Youssef helped my wife & I purchase a home recently. More importantly, he'd worked with us diligently and patiently, for 2 years, until we found the right home. I'd recommend him & Ascend Mortgage without question. He has also helped a few of my close friends purchase their homes. In fact, they'd recommended Mike to me.

    thumb K W.
    7/12/2019

      Mike is the real deal.  I have referred and used his services many times.  The communication is key and quick responses.  If you are seasoned and dealt with financial institutions and know the hassle, lack of communication, errors in your needs, and having you feel like a number file.....yup then Mike is for you.  The process is a drag but when you have someone who is on top of their craft you don't need to worry to much you almost forget this is happening very smooth every time even though snags come up Mike has the answers and process down perfect.  You will not be disappointed.

    thumb Susana V.
    2/03/2022

      We've refinanced with Michael, a couple times in the last several years. Every time we don't think rates can get any better, then they do. Every time has been smooth and easy. Michael takes care of everything.

    thumb Ben T.
    4/10/2015
  •   i went through a refi a few years ago and now that home values were up and rates were relatively low, it was that time again!

    i contacted Mike based on the yelp reviews and thought this is too good to be true. FALSE - he is just that good!!! everything he said he would do was done and we closed in record speed. his knowledge, experience and professionalism immediately saved me time, stress and $$$.

    during our time of working together, i called/emailed often (sometimes waaayy too often) but Mike never made me feel as if i was a bother, clearly explained questions i had and delivered on every promise.

    i've already recommended him to family + colleagues and certainly plan to utilize his service again without hesitation.

    thumb Bay Area Y.
    3/11/2014

      If you are looking for a mortgage loan or to refinance an existing loan then Michael is your guy!  Michael is highly experienced and very professional.  He kept us well informed throughout the process and secured an excellent rate for us.  Michael is very accessible and was very responsive to our emails or phone calls.  The whole process was truly effortless.

    thumb Rachele O.
    2/12/2014

      Mike saved my house and my secured me with financial comfort with the refinance he set up for my property. I was stuck with a high interest rate, and as a single mom, I was strapped in every way. Mike never let me feel hopeless and guided me through every step and made sure I got the best rate out there. He was incredibly patient and the biggest cheerleader.

    On a professional level, Mike has a network of people who helped get me great rates on other aspects of the house such as my insurance. I was paying two times the rate he found me!!

    Simply put, I trust him. Trust in the business world goes a long way. He is honest, patient and works round the clock and is unbelievably credible.

    thumb Myrtle N.
    6/16/2017
  •   If you need a mortgage definitely see Mike. Being a broker, he has access to WAY more products/institutions than banks or CU's, and working with him is actually easier than all the online-based brokerages. Working with Mike, you really get the sense that he is treating your mortgage as his own, meaning you can be absolutely sure he'll find the best product for your needs. Then after securing a great mortgage, he makes the entire process complete painless. It really was the best of both worlds - great deal on a mortgage (rate, closing costs, etc) with a personalized, VIP experience. My only regret is not working with Mike sooner. I highly recommend seeing Mike for all your mortgage needs.

    thumb Gene L.
    6/25/2017

      The whole process of refinancing can be so daunting but Mike and ascend Mortgage made it look very easy.  We were not sure if we would even be approved since I am a sole proprietor for the past year and a half but Mike made it happen.  We are happy we locked in our rates for 30 years and no more interest games the only time we go back to Mike is when rates go down again!   Here is the best part, the loan officer messed up on a document at the last minute and I had to pay out of pocket for a small fee and Mike reimbursed the fee promptly.  I strongly recommend to anyone looking for a refinance, look no further just call Mike now.

    thumb Naga A.
    5/15/2014

      Mike was exceptional to work with! I was in the process of finding a lender and was referred to him by my real estate agent. I had been in communication with separate lenders through big banks, but due to the pandemic, their guidelines made it almost impossible to find a reasonable loan. I was almost ready to give up on the home mortgage loan application process, but Mike made this process go by with ease!

    Mike was efficient and extremely quick to respond to all of my questions via email. He was very organized with his checklist of documents needed to start the application process. As soon as my documents were submitted, he was able to find a lender who offered me exactly what I was looking for.  The entire process went by quickly, as he was able to close in record time: three weeks!  As an added bonus, Mike even covered the lender fee!

    I was very lucky to have had such a great experience with Mike as my broker! If you're in the market for buying a home and need a broker, please do not hesitate to contact Mike at Ascend Mortgage!

    thumb Coriemae B.
    8/17/2021
  •   I was frustrated working with mortgage brokers such as Loan Depot/Rocket Mortgage. I felt I had fallen into a numbers game. I found a local broker Mike Youssef who is personable and found time to listen to my concerns   He took the time to explain how the process would work and made calls to move things along with the lender. We have just closed on a second home and working to refinance an investment property. I just sent my sister his contact information.

    thumb Deanna F.
    5/15/2020

      Mike Youssef is honestly a rock-star realtor. He is attentive and knowledgeable, and just all around a great guy to work with. He helped my wife and I with our first real estate purchase while working around our very backward schedules. He is one guy that takes care of both the Real Estate side, as well as, the Mortgage side. Which makes the process a lot easier. I was referred to him from both of my brothers that used him to buy their houses, and would definitely refer others to him in the future!

    thumb Brandon T.
    10/12/2017

      Mike did a great job with helping me refinance my house and was able to lock in a great rate. He guided me thru the details of the loan process and I can now enjoy a nice savings - thnx Mike!

    thumb Maurice A.
    10/04/2016