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UMB Commitment

UMB Brochure

VESTIRA is Proud to be a Founding Member of the Upfront Mortgage Brokers Association

Real Estate Broker
CA Dept. of Real Estate
License #01493412

Vestira is a NMLS and Safe Act certified Broker by the Federal Government and the State of California, NMLS # 295081.

Loans arranged on residential and commercial properties in California.



Client Testimonials


"I conduct a lot of research before I select a service provider. In the case of a mortgage broker, it was not any different. During my search, I discovered in the Real Estate section of the local paper, some lenders advertise their interest rates. After checking with a number of these brokers, I found that their advertised rate was much better than their actual rates. I discovered that their advertised rates were not real. They indicated that their rates were only good for the day they submitted it to the paper and that rate also included no lock—which means that I would only obtain the rate that was priced at the time I submitted a completed file to the lender.  Any lock would raise the rates accordingly.


When I spoke with Brian, whom I have known for some time, not only was I provided with all the information upfront, I was pleasantly surprised to learn that Vestira’s rates were not only competitive with those listed in the paper as the “lowest rates”, but in my case, they were the lowest available!  Additionally, since Vestira is a certified upfront mortgage broker, their fees were disclosed at the time of the application and I found their fees were much more reasonable than the competition.


 I am extremely pleased with all aspects of my professional dealings with Brian and Vestira.  I have already recommended them to friends and family members.  Thanks for the great service.”




Hi Brian, Thank you so much for all your efforts in having this "dream" rate become a reality. To be honest, it will not really sink in until I make my first mortgage payment at the new rate 4/1/12 and note the $200 difference. It's such a pleasure to deal with caring, loyal, efficient and knowledgeable people these days, and you certainly top the list. D.D.



“I don’t normally provide testimonials, but I was honestly blown away by the excellent results and outstanding service I received when I refinanced my home through Vestira.


Everything about financing our home went very smoothly and was amazingly stress-free. Brian did a great job of explaining all of our options and put together a financing package that saved us over $9,000 on broker fees alone and fit into our conservative approach to borrowing money.  His response time was very impressive.  I appreciated his availability and quick follow-up with all stages of the process.  He made the mortgage experience a very painless one. 


I can truly say that the personal interest and care that Vestira takes with their customers is commendable.  I know without a doubt that if I need a mortgage I will seek their help again. The individuals from Vestira are true professionals and I would recommend them to my family, friends and customers in a heartbeat.”




“My dealings with Vestira have been great.  Brian is a very detail orientated person and very quick to respond to my calls and emails. 


I would recommend their professional services to anyone.


I am glad that I was able to find such a great company for my refinancing.”





 Hi Adam, Brian,

We've closed escrow as of yesterday. 

It was a pleasure doing business you guys, and thanks for all of the help.  There's definitely a psychic value in the upfront model, knowing that one has a cooperative relationship with their lender/broker than a competitive one.  We'll get in touch with you guys a decade from now when we buy that second home or re-fi.




Thank you again Brian for a very good experience, I had been dreading it until the process actually started. 






Its unusual to have a complete stranger be so helpful. When I get back to Intel Monday I will be doing a global (at the end of my e mail address is 75,000 employees) and will direct them to your Vestira site and you will be emulated.




"We had only a couple of weeks to close when we contacted Brian and he worked really hard to make it possible for us to close on time and took care of all the bumps along the path. He was also very prompt in responding to our calls & emails. As he was upfront with his fees from the very beginning, the relationship was truly cooperative and stress-free.

Also his rates were very competitive. I look forward to working with him again and would strongly recommend him to my friends, family and co-workers.






I really want to thank you for all of your efforts on my behalf in securing my new loan.  You have excellent skills and are very responsive.  Also, your calm and positive manner is much appreciated.  Your generosity was most kind and I'm just thrilled you were able to obtain the bonus (LMIB rebate) for me!  I'll be singing your praises to all of my friends!







"Hi, Brian!


Thanks so, so much for taking the time to explain all of this to me ... I can't tell you how much I appreciate it.


I'm going to see if this will help my clients who are in trouble.  You are a rarity in our profession and I'm so lucky to have had the opportunity to meet you!


Hopefully, we'll have the chance to do many more ..."





"Hi Brian,

I just want to thank you again for helping us obtain our mortgage loans. 

You were an excellent broker that provided “Nordstrom-like” customer service.  You always under promised and over delivered, provided us with detailed information and choices, educated us, and acted as an advocate for us.  If you didn’t know the answer, you always conducted your research to find out the answer. 


You never rushed us or steered us in a direction that I felt would negatively impact us.  You stated last night that you did not want to act paternally in your business actions, but I think there were times you helped me along in the process to overcome fear or indecisiveness in the positive way that a parent may. 


 I think you act this way because you truly care about the best interest of people and what is just.  I don’t just feel like I’ve gained a mortgage broker for life, I feel like I may have gained a potential friend as well.

Please feel free to use me as a reference and provide my contact information if any of your prospective clients want to speak to a previous client.

Please help the friends we refer to you as much as you helped us."





"Hi Brian, I just want to thank you for the time and effort you put into our refinance.  It's nice to have some one you can trust to handle all the stuff that goes into something like this, especially when the average homeowner doesn't really understand all the inner workings.  You'll be hearing from us again as soon as we win the lottery - you just never know, anything is possible."


M&J. M



Thanks – This was the smoothest refinance I have ever done!


I’ll of course recommend you to anyone on our listserve wishing to also refinance




Thanks for all your help and transparency, Brian! Much appreciated! 



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Thinking about diversifying your financial portfolio, Vestira is a full service real estate brokerage firm, specializing in services to Real Estate Investors. Please contact Brian at 408-715-1882 for more information now!


Vestira is a NMLS and Safe Act certified Broker by the Federal Government and the State of California, NMLS # 295081.

Loans arranged on residential and commercial properties in California.