"Seth's attention to detail, strong negotiating skills and expertise in real estate as well as loan processing was critical in making my first-time home buying experience a successful one. He was truly a partner from beginning to end - he listened and created a plan based on my needs, provided excellent counsel when asked and walked me through every stage of the process. I am so happy to have worked with Seth as his leadership and no pressure approach was the perfect fit for me - I'm looking forward to building lots of good memories in my new home!"

-Navjot R.

"Dear Seth, I am writing to thank you for all the heart and hard work you put into the successful sale of my house. You are "motivation" in human form. Your knowledge of today's real estate market, and of our current financial markets in general, is truly stellar. I have no doubt that it's because of your caring, hard work, and motivation that my house sold so fast and didn't linger on the market. Again, thanks--and I don't need to tell you to keep up the good work--it goes without saying that that is what you will do."

-Patricia H, Concord, California (formerly Encinitas!)

"Seth, I really appreciate everything you did to help us sell our house. I spoke with Teresa tonight after receiving your card and we both feel like you did everything and we just signed a few papers, from the comfort of our home in most cases. I will recommend to anyone who will listen to use you as an agent next time they want to buy or sell a house. Thank you so much for making this truly painless."

-Mike & Teresa M.

"Working with Seth to find our first home has been wonderful. His professionalism and experience lent itself to our case, and was the sole reason our deal was completed. Our particular experience in finding a first home was not the smoothest with no fault to Seth, we know if he had not been our agent we would have given up long ago. His upbeat attitude and ridiculous work ethic kept our spirits up while searching for the perfect home. His team of professionals worked through the holidays to accomplish a most difficult purchase in a very limited amount of time. Seth presided over every step in the process all the while keeping us informed. Our home had to be closed within two short weeks during the holidays for the fear of losing the deal. Seth and his team stepped up to the plate, put in extra hours and saw to it that everything got done as needed. When the time comes to sell our home and find a new one, we will only have one choice in an agent. We highly recommend Seth to anyone looking to buy a home."

-Kyle & Chinh H.

"Seth is very knowledgeable and provides great customer service. He made our refinancing a breeze."

-Brian G. and Le D.

"Seth was fantastic in helping us find a house and settle in Del Mar. We knew from the moment we talked to him that he really knows what he is talking about and he understood exactly what our requirements were without wasting our time. We appreciated how he knew the right questions to ask, with the intension of safeguarding us, and at the same time he was absolutely transparent and honest about the pros and cons of every house. After the house was selected, he made sure that all the necessary paperwork was done and signed by both parties in time and because of him, we have moved in exactly on the date we wanted. It’s been a really smooth process and my family and I were really happy to relax with the confidence that our needs and requirements were being looked at. Apart from his professional experience and competence, he is also a very friendly guy with whom you can talk very easily. Having said that, I have no hesitation in recommending Seth if you are thinking in moving to California. You can be sure you will be well taken care of."

-Francisco & Ines d.C.

"Seth- Thank you so much for all of your time, e-mails, phone calls and visits that have made this new home possible. We have enjoyed working with you. It is going to be a great home for Jon and Liz. Please stay in touch."

-Rick, Mara Lee, Jon and Liz O.

"Your help and persistence is much appreciated. Also would you be interested in helping one of Bart's collegues find a house in Del Mar- he is coming over in a month's time. Can I pass your details on?"

-Bart & Gemma J.

"Thanks again for all you help through this difficult process. We certainly couldn't have done it without you."

-Charlie K. & Lydia B.

"Seth, Ron is going to be calling you or feel free to call him. He wants to buy a house next to his as an investment."

-David P.

""Thanks for all the help on the condo - Thanks for being straight with me through the whole process, and hopefully this is only the beginning of our working relationship."

-Clifton M.

"My wife and I are first time home buyers and out of towners, and with Seth’s knowledge of the area and his extensive experience, he helped us find our perfect home! He gave us his honest opinions, informing us of all the positive and negative characteristics of homes we looked at… truly a buyer’s advocate. We felt that Seth really cared for us, and shared our joy in finding our perfect home. We felt that he wanted the best for our situation and lifestyle, and we’re extremely happy to have worked with Seth."

-Adam & Carol R.

"To Whom It May Concern: In September of 2008, a time when our nations economy was still involved in its ill-fated free fall, I had the good fortune to encounter an honest man. I had been saving money for some time in the hopes of owning a home again. But as house prices were reducing, mortgage rates were inclining. When I met Seth Chalnick, he advised me to wait... He recognized that there would soon be a time when pricing and financing were both to be at their best margins for a buyer. Seth helped me review local inventories of homes, in the exact areas I wanted, for 4 months. During that time I did see homes I wanted to buy and Seth respectfully recommended waiting as he knew I could (and would) be able to get better value for my investment. He was right on. Seth helped us find a great home, at a great price, but he wa also very helpful on the financing side... to put it simply, the man knows all sides of his trade well. During the purchase period he worked day and night, weekends, and during a vacation to negotiate a deal. He was a better partner than we could have hoped for! If you would like to hear more on my experience, contact me at (ask for phone number). Thanks Seth! "

-J.J.O.

"I highly recommend Seth Chalnick to anyone thinking of buying or selling property. Not only is he a great guy with a beautiful family, he is also very knowledgeable and professional. Even though I bought a lower priced condo, Seth made me feel as if I were his most important client. He always returned e-mails and phone calls promptly and, because he also handled the loan for me, I knew I was getting the best rate and loan preparation. Being able to take care of all the paperwork right in Seth’s office made efficient use of everyone’s time. Thanks for all your hard work, Seth!"

-Ellen Spencer

"Seth, glad to see you on SeekingAlpha (on 12/12/08). I actually met with you a couple years back, thinking about purchasing a house. You were the only person who actually was willing to talk to me without rose-tinted glasses on. I even remember you bringing up a few points from this article in our conversation, but mainly touching on Subprime. Didn't know you were a SeekingAlpha fan! Good job staying relevant in these trying times. Cheers!"

-Clifton McGraw

"My wife and I have purchased and sold three homes in San Diego County and have refinanced at least 5 times. In dealing with all the agents, escrow companies, and various entities of the mortgage process we have had only two of these processes done timely, efficiently, and with all funds being disbursed properly. Both of these times have been with Seth Chalnick. Thank you Seth and thanks to your team."

-Ray Moore

"I want to sincerely thank you for your time, patience, and hard work in my search to find the perfect house. Picking out a first home is not a simple task and I just wanted to let you know how comforting and easy you made the entire process. I have had many friends tell me about their horrible experiences and the stress that it put upon them. I feel very lucky to have found such a confident and detailed agent, and I truly look forward to working with you again in the future. If you ever need to use me as a referral, always feel free to put my name out there."

-Micheal Shy

"I would like to thank you for your outstanding and attentive service in my recent refinance transaction. While I had contemplated refinancing several times over the past year, I thought my existing loan had the best rate I could get. I am very impressed with your analysis of my financial situation and the recommendation you came up with to help me maximize and bring flexibility to my cash flow as I start my new business. As a repeat customer, I am once again extremely satisfied and look forward to referring future satisfied customers to you. My Sincerest Thanks!"

-Sean O’Neill

"Seth was very helpful to us with the refinance of our house. We went into it with very little experience and Seth had the patience and knowledge to explain any questions we had and made sure we fully understood the outcome of any decision we had to make. Also, any time we needed to call him he was there with the answer and if he didn't have the answer right away he got it in a very timely fashion. All of the effort he put into our refinance was very much appreciated and I would recommend Seth to anyone."

-Jeff Brown

"I'm writing you this short letter because I want you to know how much I appreciate your unusual skills in crafting the perfect home mortgage loan for me. The knowledge and competence you displayed while helping me to clear up erroneous credit bureau items was nothing short of unbelievable. Never have I experienced a loan agent perform so diligently on my behalf. Your attention to detail and your constant and timely contact with me during the process was unparalleled in my 50 yrs of real estate loan experience."

-Donald Foley

"I recently purchased my first home and I must say I was terrified at the prospect. Numerous people had told me different horror stories about mortgage companies charging hidden fees, not securing competitive rates, closing costs being too high, agents not concerned with the customers best interest, the process took to long, stress, stress, stress! I can honestly say I have no idea what those people were talking about. Because of Seth's complete understanding of the mortgage, real estate business, and customers needs he made the process almost too easy (for me at least). Combining the real estate and mortgage process together we were able to secure a GREAT rate and submit offers based on those rates with a single call. Not to mention that Seth and his crew made themselves and their offices available whenever necessary. When I decide to sell my home or purchase another one there is no question that I will be calling Seth, he was truly there for me. To Seth and the rest of the crew you guys are the best!"

-Kevin Mitchell

"Jerome and I want to thank you for all your help with our refinance. We really appreciate the extra mile you went to get us just the right loan program. Thanks for all your help and know that we will refer you to all our friends. Wishing you the very best in the coming year"

-Crystal Miller

"Thank you for all the hard work. We love our new home so much. We wish you and your the best Christmas!"

-Matt and Leilani Truman

"Just wanna say thank you for all your help and patience in explaining things to me. God Bless!!"

-Nancy Mae

"We just wanted to say thank you so, so much for all your help and hard work in getting us into our new home. You’ll always be our #1 recommendation to any friends buying a place."

-Rachael and Cameron McDonough

"I just wanted to say thanks for all your great advice. Talk to you in October."

-Christine Runyan & Eric Acosta

"I want to express my deepest thanks for your help in finding my husband and myself a home, as well as helping us obtain a good mortgage. You continually conducted yourself very professionally, as well as personally. You were never unavailable to answer any questions I may have had. You are extremely knowledgeable in your field and I would recommend anyone I know to contact you for any needs others may want met. It was with no hesitation that I recommended my son and his fiancée to you. As a result, they are currently in a beautiful new first home. Thank you again for all your help. We will come to you again and again, whenever the need arises, as I personally trust no one else. It is hard to find people like yourself who care, and continue to stay in touch after the sale is over. Keep up the good work!"

-Cathy McMorrow

"You did a spectacular job with our sale. Even as the buyer’s broker, we felt that you were the best broker WE HAD. I'm certain the sale wouldn't have closed with anyone else."

-Dan and Debra Sheils

"What’s going on? Long time no see. So it is actually a good thing that you called because I have been meaning to email you for awhile now and let you know that I moved. I still have the condo but I am currently renting it out. It sounds like things are going good for you down there. That’s great. I will hopefully be in need of your services again sometime in the next year. When I move back, and if the finances work out, I might want to get another place and keep one of them as a rental unit. Anyway, talk to you later"

-Rick Loss