turnkey

So, how did we do?

We don’t invite only those we know will sing our praises to write reviews. We want every client to evaluate The Aning Team and our service. Honest, open client feedback helps us improve and continue to craft our world-class ‘concierge-level’ customer service.

We also don’t filter our reviews. They are all posted here, unedited and in black and white for all to see. Read what our clients have to say about us, or if you’re a past or current client, we welcome your observations regarding your Aning Team experience.

Thinking about purchasing my first home was obviously daunting, and at the same time, very intimidating as I was totally clueless on the whole process. I was looking to work with a group who can provide me with some “hand holding” and to educate me about the industry and process of home loans.

In this day and age, it is imperative that consumers and customers like me receive fast and friendly customer service. This means folks such as Michael and his team must work very efficient in order to retain current customers while winning new customers.

Michael advised me to meet him at his office for an introduction and to learn exactly what my plans and expectations were. After 20 minutes into our conversation, he was able to pre-approve me at a very reasonable rate! In addition to that, I walked out knowing 10 times more since he was able to carefully explain to me (in very simple terms) about the process. I also left his office with a carefully mapped out plan with numbers on how to successfully make this home buying experience work.

I was very fortunate, and was able to find a home within a month of inquiring about loans. My wife and I worked very closely with Anne Anderson. She is so personable, and you could tell that she cares about her clients! Like Michael, she is very patient and seems very happy to educate her clients for any questions they may have. She was also extremely responsive, something that was very imperative to me.

Again, I like to thank Michael and his team for the exceptional job. Our family of 6 (4 kids!) cannot be more thankful for their assistance! If you’re looking for the right group to work with for home loans, stop and call Mosaic!

-Jackson D.

Michael and his team have helped us three times with our loans. Each time they have been super professional, easy to reach, responsive with our (numerous) questions, and patient. I have recommend Michael to every single person who has asked me for a mortgage team, and I will continue to do so. They are truly a class act!

-Christy B.

Mike and Anne and Patricia were great. They worked with myself and my agent, Richard Hebert, seamlessly. I have a different financial situation than most loan applicants (fixed income and retired) and they were able to identify and secure the proper loan for me. I’m now in my beautiful new home and thank my lucky stars for being introduced to Mike Aning and his crew at Mosaic.

-David C.

Michael Aning was the best. He made the scary business of procuring a loan simple, easy, and fast!! He actually went with me to deliver my offer which I believe made the sellers feel more confident. I don’t know of any other mortgage broker who would be willing to do this. I also really trusted him to make sure I could really afford my mortgage, property taxes, etc. And he got me a great deal on home owners insurance. Michael is professional, and is so knowledgeable. I would recommend him to everyone!!

-Elise J.

I got in touch with Michael through a friend of mine back in 2013 but unfortunately our deal did not go through then. Since then i have had situations where i quickly wanted to check on rates or i had some questions w.r.t homes i might get into contracts with and in every interaction Michael was so patient answering all my questions and giving me many details without me having to probe much. I must say that for a first time home owner, these details makes a huge difference and these are the things that establishes trust with the mortgage provider. I have worked with at least 3-4 real estate agents and 3-4 mortgage providers in my past, none coming close to Michael both in home ownership knowledge and in conveying them in layman terms to the customers. All this help, without even finishing off a deal with him. Michael, If there is a next time, without hesitation i know who to go to and please use this review as my small token of appreciation for all the timely help you have provided.

-Anu H.

We recently moved to the Bay Area from Texas and were referred to Mike by our real estate agent. He exceeded our expectations as he responded to us to submit an offer at a 10 minute notice on a Sunday afternoon! His office picks up the phone on the first ring, and everyone is courteous, knowledgeable and professional. I would highly recommend him for real estate transactions.

-Arjun S.

Mike and his team recently handled the mortgage side of my relocation. He was great at helping us think through options we had never considered in deciding how to best structure our loan, including tax consequences. Once we decided how to proceed, Kelly made the rest of the process very easy. I arranged the signing of the closing documents at a title company office close to my office and was pleasantly surprised to see that Mike drove across town to make sure everything was done correctly. Highly recommended!

-Andrew F.

Mike and his team helped me buy my house some years ago. He had great information on what I could afford – I realized I could afford more than I initially thought given his calculations. He made sure I would be able to make the payments and that I could live within my means.

When it was time to refinance, I turned to Mike. The customer service his office offers is second to none. I’ve referred friends to him and they’ve also given him glowing reviews. He’s knowledgeable, responsive and caring.

-Anonymous

I was referred to Mike by my real estate agent. I had just moved to California from Miami and was looking to buy a home and stop renting as soon as possible. Mike was just amazing. He was very professional, friendly and flexible with his schedule (which was very helpful for me). He did a good job of walking me through the process, providing advice and being available as we progressed on finding/purchasing a house.

The California housing market is crazy and so I really wanted to make sure I worked with a very competent, ethical professional who knows the local market and is great to work with. Mike is all of that.

-Alejandro C.

Mike and his team (Anne, Patricia, etc) are amazing.

We are first time home buyers, and Mosaic was there for us almost a year before the actual loan to make sure we’ll have everything we need.

I was dreading the lender portion of the home buying (don’t remember last time when I had a good bank visit), but I was happy to find out that Mosaic is opposite of that – it’s like we had good friends on our side during the whole process.

Hours are flexible, Mike and group are very knowledgeable, and willing to spend time to listen and advise, and while lending business is about numbers we’ve never felt like a number. There’s lots of attention to detail and personal financial situation, which is really impressive.

Those other 5-star Mosaic Yelp reviews that are gushing how awesome they are? 100% accurate. Mosaic should be benchmark for what 5-star experience is.

-Rudolf P.

Michael and his team helped me navigate what I felt was at least a moderately complex residential real estate purchase through the skillful art of accommodation, flexibility, alternative solution engineering, and hawk eye timeline management.

Michael’s staff is highly professional, polite, and were sure to follow up with requests as well as appointment setups and reminders per my preferred form of contact. They facilitated communication on the loan application and closure status with my realtor to ensure that she was kept in the loop and that there were no critical gaps in our collective assessment of where the loan procurement progress stood through all of the idiosyncrasies of this particular application.

Michael himself is a gifted, analytical, and highly adept broker who provided a flawless balance between providing the information I needed for the particulars of this application without overwhelming me with unneeded details, all the while helping me navigate through challenges without added pressure and staying constantly connected as the time-frame wound down via phone and email.

5 stars for Mosaic Mortgage Group–and an extra 5 starts for Michael Aning!

-Ted W.

My husband and I just bought a condo near Downtown San Jose with the help of Mike and his wonderful team at Mosaic. From the first meeting onwards, Mike was clear and thorough in his discussions with us about what we could afford and how to position ourselves for the best possible outcome. As first-time home buyers, Mosaic made sure we were comfortable through every step of the process. We highly recommend Mosaic for their personalized approach, regular and comprehensive communications, and excellent follow-through.

-Alexandra C.

I really don’t think I would have been able to close on my house without the help of Mike and his team! Some reasons I’m 100% happy with my experience:

1) The situation with the house I purchased was very time sensitive with a lot of moving parts (as they always are) and Mike was very diligent about making sure things were moving along.

2) He really helped me weigh all the many options I was considering and make a decision I felt good about.

2) He does a great job explaining complicated concepts clearly.

3) I really needed to talk through some things after waking up in a panic around 7 AM on a Saturday and he met me at the office shortly after!

4) His team is SO friendly and patient, which really helps when you’re stressed out from the home buying process. They also respond to email/voicemail very quickly.

5) Patient enough to meet me later in the evening after my commute from Palo Alto.

I ended up referring Mike to my close friend and he just put her in a beautiful home, too!

-Lisa L.

It simply does not get ANY better than Mike Aning and the entire Mosaic Mortgage Group Team. From day one I was treated with the utmost prompt, professional and informational service possible. They continually made me feel like a million dollar loan client, when in reality it was probably one of their smaller loans. I learned so much each time I met with them.

If you are in search for a GREAT Mortgage team that will Rock your World….look no further!!!

-DeeDee M.

Mike and his team were awesome.  Mike is very personable and explained everything to us.  They definitely look out for the best interest of their clients , especially to us 🙂

They were able to get us a lower rate prior to closing and that made a big difference on our monthly payments.  Also, Mike and his office worked hand in hand with our realtor Brian Babcock which makes the process go smoothly.  Mike and Brian are like brothers from a different mother :).

Seriously, If you are looking for any type of mortgage, whether it be for a first time home buyer, as an investor or refinancing, Mosaic Mortgage Group has a solution for your needs.  Don’t just turn to any mortgage company – turn to Mosaic Mortgage and they’ll get it right for you the first time !

Thank you guys for making it easy for us. Keep up the great work !

-Manny R.

Michael was referred to us by an agent and he is the best mortgage professional we’ve ever encountered. We appreciated all the info and service his team provided. We had a couple minor hiccups, but Mike was quick to take ownership and address. We never had to worry about the ball dropping and he was very clear in explaining all our options. Very ethical, professional, competent, patient, responsive – dedicated to our best interest. What more could you ask for? Thanks Michael for the guidance in working to refinance our home. We feel confident and are satisfied with the advice/info you provided.

-My R.

Was referred to Mike at Mosaic from my real estate agent. I hadn’t bought a home in California before, so was a little unsure of the process and what was expected.

Mike walked me through everything, was able to get me a great rate, and offered some solutions to securing a great loan at a lower total monthly payment through processes I hadn’t even considered.

Mike was easy to talk to, got back to me with any questions I had quickly, and was all around a solid guy who earned my trust. I like the local feel, and having someone I can talk with face-to-face was a welcome change over my last, inhuman experience a few years back.

I recommend Mosaic for anyone in a similar situation.

– Martin S.

Michael Aning is absolutely the best in the industry! He is confident, diligent, trustworthy and a consummate professional. He has deep domain knowledge of the mortgage industry. If he can’t do a mortgage, it is likely no one else can do it.

And above all, the Mosaic Mortgage (Brandy/Michael) puts time to make sure that your mortgage goes through, even if you have a difficult case. Brandy makes you feel like you are her only customer. She proactively keeps you updated at every single step. And if she is on lunch break, you would get an equally professional person on the line to pass on the message. I think it has lot to do with their company culture.

– Veenu S.

It was a pleasure to work with Michael and Brandy to refinance our home.

Months after we closed the deal Brandy went out of her way to research how we could make it better. This extra effort did not reward Mosaic in any way so I wanted to take a moment to express gratitude for a job well done and to state I would look forward to doing business with them in the future.

– Herv H.

We were referred over to Mosaic through our real estate agent at Keller Williams, who highly recommended we check them out. We also applied for a mortgage at a local credit union and at Chase Bank, but found Mosaic to be the best fit and most willing to work with us and our financial situation. We just closed escrow on September 13th and thanks to Michael and the staff at Mosaic and are moving into our 1st home in a few days from now.

Mike and his team answered every question and concern we had, and we had a lot as first time home buyers, all very quickly (often within minutes) and in terms we could easily understand. It was reassuring knowing we could contact Mike, Brandy or any of his staff at anytime, for anything and he would have an answer for us. Mike also put together a lot of documents for us outlining what our estimated costs would be based on different homes we were looking at with various HOA dues and showed us what items would be tax deductible as well. We were even able to close early as well.

It was a pleasure working with Mosaic and we look forward to working with you and your team again once we sell our condo and upgrade to a house. We will definitely be recommending your services to all of our friends, family and co-workers who are looking to buy a home or refinance their existing home.

– Mike B.

Mike Aning and his staff recently helped me re-finance a small existing loan. From the initial visit to closing on the exact date quoted, Mike and his staff were exemplary in every aspect of this experience. Their regular contact via phone and email kept me informed, documents secured in a timely manner and no worries for me as I knew I was in good hands. They are knowledgable, efficient, courteous and the most pleasant group I have ever had the pleasure of knowing in a professional situation. I will sing their praises to all for the best mortgage broker in this area.

– D. A.

I made the best choice with Mosaic. I was looking to purchase a home at the height of the real estate season when rates were constantly fluctuating. Mike was available to take my call or return my email at any time of day, any day of the week. He drafted a special letter for me at every offer submitted. He is thorough, knowledgeable and explains every detail. His assistant Anne is wonderful and will put you at ease during the chaos and stress of home buying. My realtor was impressed that Mike came through with the promised 21 day close! I guess not a lot of lenders actually make the deadline. Thank you Mike, Anne and Brandy.

– I. C.

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Super honest and very knowledgeable. Michael took the time to meet with me time and time again to teach me the ropes of home loans. I went in as a first time home buyer not knowing ANYTHING about the process, and Michael patiently described it all to me.

In the end, I decided to wait another year or so before buying and do not plan on taking out a home loan for a while. Michael was in full support of the decision and will be the first person I call when I get back in the market.

He was a great teacher and a super nice guy. He and his team always made me feel comfortable, whether in the office, over the phone or via email.

Thanks Michael!

-Stephen S. on July 29, 2013


My mortgage with Turnkey just closed last week and I couldn’t be happier with the service I received from Mike & Brandy and their team. I attempted a refi with them last year and some problems put it on ice.

Surprisingly Mike was willing to invest further time this year and…success. Not just a little success but a huge one for me.

My real estate agent friend uses Mike’s services a lot and highly recommended him. I was a little nervous that because I was such a “little fish” he might not take care of my mortgage with much enthusiasm but my concerns were unfounded. Mike’s a busy guy but he and Brandy were great at following up with me all along the way.

You can really tell his dedication to customer service. When something took longer than expected he extended my interest rate lock even though rates had gone up. That’s great customer service. Anyone can look good when things go as planned. He made it right when they didn’t.

-Leigh P. on May 20, 2013


Mike and his team are rock stars. We had a less than straightforward home purchase. The inexperience of the first lender caused us to not get a mortgage. Mike picked up the pieces and closed in 18 calendar days.

Here are a few more details of our experience.

Mike impressed us by his professionalism and adding value at the preapproval process compared to the 5 other lenders and brokers with whom we talked. We liked that he gave us a good idea of what our rate would be after we gave our financial information to him but before he pulled our credit reports. He also had a strategy of trying to get lower interest rate for us as he was watching interest rate trends. The only reason we initially went with someone else initially is because the first lender had already approved us for another house purchase that fell through due to physical contingencies. Mike would be our backup for this transaction.

Mike and his team really came through for us. The first lender knew the deal was unusual and had plenty of time to research whether her bank would ultimately fund the mortgage. They didn’t. We lost the mortgage and a 1.5 weeks of close. Fortunately we were pre-approved with Mike and he already knew details of the transaction. His rate was a sliver higher than our first lender but lower than the other lenders interviewed. Mike and his team returned our calls promptly, kept us informed every step, and didn’t overpromise to simply get our business or tell us what we wanted to hear.

We are very pleased with our experience and highly recommend Mike Aning.

-Anna L. on April 12, 2013


Let see where do I start? Mike was referred to me by my Realtor? I had worked with a few banks that had turned me down. However, Mike and Brandy were my Angels in my path. They were able to help me out with the purchase of our ranch. I know that there were some issues such as my credit score not being high enough, but with the help of Mike and Brandy that issue was resolved. This is something that the other banks could have done but they never did it, and Mike and Brandy took the extra time to resolve these problem for me.
I also had some other issues with my husbands checks and again they were there to help me resolve these problems. They made the loan transaction as easy as possible. Mike and Brandy are a great team, very professional at what they do.
Brandy is an excellent assistant. I am very pleased to have had the opportunity to work with them. Brandy and Mike help me with all my daily questions I had. Everything was done by e-mail, which was plus for me because I did everything from work, and did not have to take time out from work. I am very happy that I was able to get my loan processed, and that I had to Mike and Brandy from Turnkey to help us out. I can sincerely say that I am pleased and that I will be referring people to them.

-Sandra S. on April 3, 2013