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What Clients & Partners Say...

What Clients Are Saying

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.

-Maureen Olisakwe

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.
-Adam Mansour

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!
-Ashley Wu

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!
-Cecille Del Rosario

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!!!
-Monique Dodge

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!
-Britain Pierce

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.)!
-Richie Beck

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.
-Shannon Darnall

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.
-Elizabeth Cacal

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.
-Khalil Baig

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

Joe’s been amazing to work with, super thorough and detail oriented! we’re very pleased with him and Golden Bay.
-Joanna Clark

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 Joubeh

This is my second go around with GBMG. Joseph was amazing and supportive. I used them to purchase a home while commuting out of town and it was seamless. All my docs were emailed to me to be signed on a private server and a notary was sent to me to complete the process. Joseph made sure I received docs quickly and was ready to address any questions or concerns. The entire team responded to any of my questions in less than 24hrs. They were available by phone anytime I needed some additional support. The moment I reached out requesting services, the process was flowing from there. GBMG came highly recommended by a friend who has used their services to purchase multiple homes and they now have another happy customer who will refer new clients to them whenever possible! Joseph is a great addition to an amazing team.
-Nina H.

Fast friendly efficient this guy gets it done I’d highly recommend him for all of your loan needs! Refinance or new home loaan this guy is the only guy you need!!!!!!
-Melanie D.

Joe helped me obtain a loan to purchase my home in Carmichael. I found him to be extremely responsive and knowledgeable about the whole process. I would highly recommend him as a loan agent. Thanks, Joe!
-Mark R.

Joseph Kelley from Golden Bay Mortgage was my Loan officer on a house I recently purchased. I couldn’t have asked for a smoother process. He was there to answer every question for me and explain everything I needed to know. His responses were always fast and detailed. I will definitely recommend him to my friends and family. Thank you Joe!
-Mike R.


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.

-Sean Patterson

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!!!

-Mark Fitzpatrick

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.

-Mike Shade

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.

-Juanita Balinski

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

-Nicholas Turley

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

-Dave Bigelow

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 falt left in the dark nor misinformed. Anyone who is looking to purchase real estate or refinance, Joe is that guy!

-Jesiah Zapanta

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.

-Steve S

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!

-Jamie Le

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!

-Angel Moreno

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