REALTY
TRAIN



Client
Testimonials



Meet just a few
of our happy
passengers.


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510-697-7750

Amazing At Recognizing Our Needs



" ... Even though we felt the need, it was overwhelming for us to put together the pieces for our home upgrade.


Rajeev and Monica helped us realize our dream. We worked together to plan and sell our old home and to buy a new home that better fits the needs of our family.


To top it off, Monica worked hard to get us the loan payments to suit our budget.


We have highly recommended them to our friends and family. ..." -- Fred & Diana



Provided Their Full Undivided Attention For Us



​"... Rajeev Gupta is no stranger to my family and I. He initially helped my parents purchase our home more than 10 years ago, and made that experience truly unforgettable.


Forwarding to today, Rajeev Gupta, together with his wife and home business partner Monica Gupta, have yet again made another unforgettable experience. My husband and I were able to purchase our dream home here in the Bay Area with the help of the Gupta’s teamwork and dedication.


2020 has not been a positive year for many due to the Covid-19 pandemic and unfortunate circumstances. My husband and I thought that buying a home this year is impossible, but due to their vast experience and expertise, Gupta’s proved that buying our dream home is still possible. The Gupta’s are professional and punctual I cannot imagine the whole process with anyone else. I can tell that they both love what they do versus “just another sale”. They provided their full undivided attention and attempted their best to find our dream home.


I cannot thank Gupta's enough because our chosen home went on escrow and closed for less than four weeks. Their teamwork is impeccable because the loan and realty aspects worked strenuously in making sure all documents and necessary tasks were done promptly. I most appreciate how both of them communicated everything to my husband and I.


Both Rajeev and Monica Gupta are passionate, driven, and kind-hearted because my husband and I felt like they are family to us. Not just because of prior history with my parents, but because they genuinely care about my husband and I, and especially our future. That’s why they are an amazing team and are amazing people.


Thank you for everything especially the laughs and the positive vibes. Without any doubt, I would highly recommend Mr. Rajeev and Mrs. Monica in the home realty and loan inquiries. ..." ​​ -- Pat & family



Made Our Refinance Process So Easy and Smooth



" ... We were having difficulty in refinancing our beautiful home due to high loan to value ratio. We were paying very high interest rates with high monthly payments. It was disheartening watching new people move into the neighborhood with better payments and with funds available to improve their homes. We were stuck with little expendable money to protect our home investment.


One of my co-workers referred me to Monica Gupta. When I called it was easy to see that she knew her business -- she was trustworthy and quickly demonstrated that she cares about her customers. She assured us that not only could we refinance, but also suggested that we set a goal toward a 15-year fixed loan as my retirement age was coming near and I should enjoy my retirement years with my husband and family (including my grandkids).


Monica helped us develop a plan to get us to where we needed to be - lower payments and lower interest rates and eventually to a 15-year loan. the plan called for a progression of loans over several years. Monica was attentive and keen in watching for the right times to refinance. She always kept us informed throughout the process -- it certainly paid off.


Monica made our refinance process so easy, simple and smooth! She was clear about the documents we needed, and she promptly reviewed our documents. She explained the numbers in detail until we were satisfied and very comfortable with the monthly payment. We got a excellent interest rates too! Four years forward my loan balance is so low now. I can't believe we are paying our loan so fast.


With Monica, we reached our goal painlessly and she was with us every step of our journey. Without reservation, we thank Monica for sharing her many years of experience in mortgage industry with us. She provides a custom plan as per the clients needs and situations. She is hard working, professional and great partner in navigating the challenging world of home financing. We're so glad we found her - a great friend that I can easily recommend to my family and friends. ..." -- Charlotte & family



Thank You Monica!



" ... We are happy and beyond grateful for Monica’s assistance. Prior to Monica’s help we were paying so much for our mortgage and then come to find out most of it was going to the interest and so many issues we didn't realize were there. After Monica reviewed our loan, she knew right away that she could help us. She caught so many questionable issues that the last refinancing company missed she fixed our Title, changed our loan to be a fixed rate, explained to us how we can fix our credit, she made sure no outstanding balances were against the house, dealt with all these people to make sure that our home, title and loan were all clean. Before Monica everything was so sloppy and we had no idea. She was there for us every step of the way. She truly cares about her clients and treats us like family. The best part is, it took her about a month or less to get this all done.


We definitely give Monica a 5 star for service.


If you have a question, don’t be afraid to ask Monica. SHE IS HERE FOR US!!!! THANK YOU MONICA! ..." -- Tiffany & family



Works Hard And Truly Cares For Clients



"... I have had three refinancing with Ms Monica Gupta. This includes two for primary residence and one for rental property. In all three cases, I got the best rate and the best service. To highlight the case of rate, when I purchased the rental property, Monica quoted me a very fair rate however another loan agent quoted me slightly lower rate so I decided to do my loan with him. However when it was time to close the new purchase loan he locked my rate 1/2 point higher than quoted rate. I was very shocked and disappointed ! I had no choice but to close the loan with him as my earnest deposit money was at stake. Then I went back to Monica and she refinanced the same loan at the rate that she quoted. She is100% genuine and will quote you the correct rate the first time.


The best thing was that Monica seems to have a great relationship with the banks. It makes a big difference in terms of smooth process and timely closing for the loan. As an experienced IT professional, I know that such a service is possible only if the service provider works hard and truly cares for her clients. In my rating Ms Monica deserves 10/10, nothing less. ..." -- Devendra



Excellent Cash Out Refinance Experience



" ... Since the beginning of 2019, we were trying to do cash out refinance for our beautiful home but running into difficulties. I checked with three lenders before talking to Monica and for one reason or the other, they could not do my loan. We were worried since we knew that even though interest rates are excellent now but they will go up eventually and we did not want to end up getting much higher rates later.


In October 2019, I called Monica. She asked me few questions, took my documents, reviewed them and told me in less than two days that she can do my loan. She asked me to pay off some of my debts so I can qualify for the loan. Her suggestions not only improved my qualification for the loan but also improved my credit. All this at no additional cost to us. Even though we were located two hours away, she was always available over the phone and communication was very smooth. Our loan closed in just one month and we were so happy!!


If you have any loan related questions, talk to Monica. We’re glad we did. Thank you Monica for everything you have done for us !!! ..." -- Mario & Jerel Augustine