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Eddie was a real pleasure to work with. He kept us well informed all the way through the process and I felt that he really bent over backwards to help us. He was always prompt, courteous, thorough and creative all at the same time. Quite a combination. We can highly recommend his services. Thank you so much!

The team at Polaris Capital Partners exceeded my expectations when I needed a rehab loan on a large scale project. Their knowledge of construction projects and construction lending together with their clear communication with the documentation needed to complete the loan made the process so much easier on me. And their lender closed the loan much faster than previous lenders I have worked with! Will definitely be going back to them in the future of my next big rehab project.

My wife and I are truly grateful to the Polaris Capital Partners Team for their professionalism, support and great communication during what could have been a stressful re-finance transaction. They made a challenging situation much easier for us. Thank you!

John and Steve at Polaris capital were very helpful in finding and negotiating our family’s new home. In retuning to and moving back to California from out of state in a real estate market with multiple offers, we were losing bids before working with John and Steve . John was able to negotiate and get us in the contract for a home that appraised for $100,000 more than we purchased it for even in a market with multiple offers . John and Steve's knowledge of the bay area real estate market, and financing was second to none, and service is a standard set even higher. John was available at all hours of the night and day and spent many hours reviewing property reports with us and giving us advice . There were six bids on the home our family now shares and John and Steve at Polaris Capital were able to negotiate so that we got the house (the selling agent even knew of them and there reputations in the business, so accepted our offer over a higher offer) Our family is so happy to have met John and Steve and now living back in California. My husband and I highly recommend John Figone and Steve Herbert of Polaris Capital for all of your real estate and real estate finance needs thank you have a great day.

I had never refinanced before, but needed to get my monthly mortgage payment down. I had no idea what to do! Eddie Gardner, with Polaris Capital Partners walked me through the process step by step. His knowledge, excellent communication, customer service skills and follow up made the process very simple, smooth and fast. Overall great experience and cost savings outcome. I would highly recommend Eddie and his team.

The support that I received from Polaris Capital Partners was a very essential and integral part of our real estate project in San Francisco. Polaris Capital succeeded in securing a $2 million plus loan in 16 days that allowed us to close a deal that was in trouble. The continuous advice provided by Mr. Eddie Gardner and Mr. Steve Herbert of Polaris Capital Partners were extremely helpful and timely. Plans are in place with Polaris Capital to work on our next two upcoming projects.

Thank you for a great refinance experience. This was the fastest and smoothest transaction I’ve had. Eddie and his team were very responsive and communicated well with me to know the progress of the refi. I highly recommend him!

I had a very positive experience working with Eddie and team at Polaris Capital over the course of about a year. Eddie and team's experience was invaluable in navigating the process of a construction loan, which was my first time going through it. Responses were timely and advice was insightful and professional. A couple of the terms of the loan were a bit of a surprise near the end, but we were able to work through them with some creative thinking. Eddie's skills shone through particularly well during the final closing of the loan during covid-19 lockdown. Highly recommended this team.

I’ve been using these guys now for the past few years for purchases on investment properties, refinancing properties and also the purchase of my own primary residence. I can’t speak highly enough of Eddie and Michelle’s expertise and professional approach from start to finish on anything we worked on together. I recently did a purchase when I was out of the country with every curve ball you could possibly imagine thrown at us guys and they still where able to get it over the line and make it happen. Can’t recommend these guys enough. Thanks again and look forward to working again in the future.

I am very grateful for the superb attention that Eddie has given me with regard to securing my loan. The due diligence and professionalism that Eddie and his team provided were exemplary! Eddie is straight forward, trustworthy and extremely helpful in explaining the loan process from start to finish. Eddie was always available and he made sure that I got the best available loan at the lowest possible rate. Eddie Gardner is a first-class professional and I highly recommend Polaris Capital Partners and I would not consider working with any other firm. I have made a friend for life!

Eddie and Michelle were great to work with. It was a very positive experience on a difficult loan to put together. I will recommend them to my friends.

I have many properties and have acquired many residential and investment loans through many different banks and brokers. I can tell you what Polaris Capital Partners Team of Eddie and Michelle did for my 2 refinances was unbelievable. They did 2 refinances back to back, each under a month. Eddie is honest and upfront about the loan and he puts customer’s benefit ahead of his. Michelle is fierce about acquiring, tabulating data and getting it ready for underwriting. In spite of my complicated finances, I had a pleasant experience with these 2 loans. I will recommend Polaris Capital Partners without any hesitation to anyone looking for new or refinance loans.

After my fathers passing , John and Steve at Polaris Capital Partners were there to help my family sell our parents home they had lived in for nearly 50 years . As the executor of the estate , John was very patient and was available at all times to answer questions etc ….they are very knowledgeable and great negotiators . The Figone/Herbert team handled all the stress move out and cleanup /paint /repairs and staging etc . John and Steve controlled the sale even through a Real Estate market correction receiving 180k over list price we were so happy !!!! and it was stress free as John kept me involved and up to date with every move . My Family and I are very grateful to them for easing this trying time for us, and helping my brother and sister and I maximize the return on mom and dads lifelong investment ……Thanks John and Steve ! We highly recommend using John and Steve for all of your Real Estate