We just closed and funded on our latest deal today, and I want to take a moment to recognize Esther…read moreand her team for an exceptional job. In this business, execution and timing are everything--Esther and Paul delivered on both at a very high level. From initial structuring through funding, the process was handled with precision. Communication was clear and efficient, expectations were managed properly, and any complexities were addressed proactively without slowing down the timeline. That level of control over a transaction is not easy to find. What stood out most was the ability to navigate the deal strategically while keeping everything moving forward. For anyone operating in real estate investment or development, having a lending partner you can rely on is critical. Esther and Paul has proven to be exactly that. Looking forward to doing more deals together.

Esther and her team are amazing! We got a terrific rate and closed on our home a few days ago…read moreafter 5 years on/off trying. Essentially we worked with Team Esther 3 times, because after failing to buy a home and taking a break, each time the financials would have to be reprocessed given our life changes. But we stayed with them and they stayed with us, always with an open door and a welcome back. I can say from time tested experience how consistently reliable, accessible, and knowledgeable they are! Would highly recommend.

From initial inquiry to final close of escrow, Dave and his team were there to support us on the…read more15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team!

Dave and his team have handled 2 mortgages for us over the last 4 years. He's easy to work with,…read moreand really we didn't have to do anything except send in documents and go to the signing appointment. Dave will always be our first choice when we need a home loan.

Nhan and his team are absolutely amazing to work with -- truly the best in the business! They are…read morehighly knowledgeable, experienced, and take the time to patiently answer all of my questions while walking me through every step of the process, from refinancing to cash-out to new loans. I've worked with Nhan on multiple transactions, and every time they deliver with record speed -- closing in as little as 18 days! If you want a smooth, stress-free loan process with a team you can trust, Nhan is the one to call.

Nhan Cao is an incredible mortgage broker! He made the impossible happen and got my loan approved…read moreand closed while I was literally in the hospital about to give birth. We officially closed on our house the same day my baby was born. Talk about stress-free and reliable! Nhan was professional, responsive, and on top of every detail. I couldn't have asked for a better experience and highly recommend him to anyone looking for a smooth and trustworthy mortgage process. Will be referring him to everyone!

Bob Bachman and his Team were phenomenal. I refinanced my property about a year and a half before…read morewhen rates were higher, and the process was a nightmare. The mortgage broker I'd used for decades took me and my business for granted and didn't seem to care about anything but my $$$. The escrow officer was exceptionally rude to me and it was a scramble to get it closed. I researched different brokers and discovered Bob. He couldn't have been nicer or more helpful. The system he has set up with his team is seamless. Everyone was responsive and easy to communicate with. Their online system is really easy to use. I have recommended him to both friends and family.

My experience was excellent. I referred my clients for…read moremortgage to buy a house. He did above and beyond his scope of service with loan processor Debbie Angulo. Thank you again Bob and Debbie for your professionalism!!!.

Here's a polished Yelp review that sounds personal, sincere, and earned rather than overly…read morepromotional. After living in my home for 43 years, refinancing was a significant financial decision, and I wanted to be sure I chose the right lender. JVM Lending was the first company I contacted from a list of several I had researched online. After my very first conversation with Hannah Papazian, I knew I didn't need to look any further. From the beginning, Hannah was warm, knowledgeable, and genuinely interested in understanding my situation--not just the numbers, but the bigger picture. She took the time to listen, answered every question with patience, and made what could have been a very overwhelming process feel manageable. I never felt rushed, and no question was ever too small. She was consistently responsive and gave me confidence every step of the way. As my refinance moved through the various stages, I had the pleasure of working with Jen Muldowney and later Erin Peters. Both were exceptional. Each transition was seamless because everyone on the team was informed, organized, and communicated clearly. Jen kept everything moving efficiently, and Erin guided me through the final stages and closing with the same professionalism, responsiveness, and attention to detail that I had experienced from day one. What impressed me most about JVM Lending was that, despite handling a complex financial transaction, they never made me feel like just another loan file. They combined expertise with kindness, and that made all the difference. If you're looking for a lender that is knowledgeable, highly professional, responsive, and truly committed to providing outstanding customer service, I recommend Hannah Papazian and her team at JVM Lending without hesitation. Thank you, Hannah, Jen, Erin, and everyone at JVM Lending, for making what I expected to be a stressful experience such a positive one. I couldn't be happier with the outcome. This version reads naturally for Yelp while highlighting the qualities prospective borrowers care about: communication, professionalism, responsiveness, and trust. It also feels authentic because it's grounded in your own experience rather than sounding like marketing copy.

Hannah reached out when rates dropped. She helped guide me through the refi process and answered…read moreall of my questions. She always returned my calls and responded to my messages within the same day. I appreciate most that she kept me informed on what to expect throughout the process. She ensured I was connected with the right people to ensure I didn't feel alone in the process. Communication is impressive. The best thing about JVM as a whole is how fast they fund your loan! Thank you!

Overall superb experience! Suraj is fantastic. Unbeatable rates, quick turnaround, clear…read morecommunication, responsive. Couldn't ask for more. I went with Wells at the very last minute and they were able to get it done on time, I think it was within 2 weeks, amazing! Will be my go to source for home mortgages from now on. At first, based on what I read from some disgruntled people on reddit about the Wells Fargo relationship discount, I was a bit worried. But it turned out to be completely fair and transparent without any tricks. There are a few conditions you have to meet (get the assets over to Wells on time) but Suraj's assistant Pam will remind you of the deadlines, and there is no "catch". I will recommend to all my friends for their mortgage needs. Thank you!

Suraj knows the details of the home finance process like an underwriter and helps with good…read moreguidance to create the originator application file with complete documentation so good at get go! We got to Suraj a little late in our offer process but he ensured that we were still able to close in time! Thank you, Suraj! We will always go to Suraj for our future mortgage needs.

With an impressive depth and breadth of loan financial knowledge, Michele guided me through a…read morerather difficult process. Moreover, she was a dogged champion of me achieving my loan goals. One couldn't expect to find better loan officer! Tip: Don't miss a chance to sit in on one of the Reen Team's Homebuyer's live hosted online workshops. Highly informative, like a Home Mortgage 101 college course!

If I had to describe Michele in 1 word: integrity. Michele consistently took my phone calls in my…read moremost stressful times of the home buying process. Both times she gave fantastic tips and was extremely helpful in my situation. Every conversation with Michele has been so refreshing in this constantly stressful process of finding a new home. Always honest and willing to work with me. The biggest reason she has high integrity is both times we spoke, she was able to confirm the quotes I had were strong and didn't try to pull anything on the other lenders just to make a commission, she truly cares about people and gave superb feedback on the process. There was no monetary incentive to help me, she was just a kind person who wanted to help. Thank you for being awesome!

Tuan and Mike at Providential Mortgage made buying our first home an exceptional experience. From…read moreday one, their communication was outstanding they walked us through every step of the process, set clear expectations, and kept us fully in the loop throughout. The close was quick and smooth, which was a huge relief as first-time buyers navigating a lot of unknowns. What stood out most was how thorough and patient they were in explaining everything. We never felt left in the dark or rushed. That kind of transparency and professionalism is hard to come by. We will absolutely be working with Tuan and Mike again for any future mortgage needs and won't hesitate to refer them to friends and family. Highly recommend.

After speaking with a few lenders, I reached out to Providential and it was immediately clear that…read moreTuan and his team operate on a completely different level. Everything was professional and above board, but his experience and guidance made the process feel far more approachable and comfortable than I expected as a first-time buyer. He offered thoughtful insight into the nuances of the process, communicated clearly and consistently, and helped me understand what really mattered at each step. Both my agent and the seller's agent were impressed, and we were able to get our offer accepted on the first home we pursued. Once you speak with Tuan, the difference is obvious. Highly recommend.

Stephen went above and beyond during mine and my boyfriend's first home purchase. He was super…read morecommunicative and even connected directly with my agent to ensure everything went smoothly. We recently had the opportunity to refinance and without hesitation, Stephen reached out directly to us as soon as he noticed rates were coming down. We did not need to chase him for it nor constantly inquire about it--he just felt like it was the right time and reached out! I'm very grateful for Stephen and his team and will definitely be referring him to our friends and family.

Based on his numerous good reviews, I messaged Stephen early last August about the possibility of…read moregetting a United Wholesale Mortgage (UWM) 15-year fixed home loan at 1.99%. This was a new program announced by press release, which I read about in a Yahoo! Finance article, through a link on Google News. Having worked previously in real estate and finance, I knew what the key points were to our situation, so I included those in the message to Stephen, asking whether he would be able to do the loan. Stephen responded abruptly by saying that he would have to talk with me by phone, to discuss "details." After I called him, he proceeded to try to browbeat me into accepting a different program at a higher interest rate. His approach was to use old-fashioned psychological pressure tactics, along the lines of: "Are you so naïve that you think you could actually get such a loan? That rate is just a teaser that you would never actually get." He was crude, demeaning and even insulting. I informed him, politely, that I had a background in real estate and finance, so I was not naïve about these things, offering him one last chance to do business with us, if he was so inclined. But he insisted that the loan would not be possible for us, so I thanked him and said goodbye. Shortly thereafter, I found a straightforward loan broker who in fact did the loan for us, on exactly the terms I had in mind: 1.99% 15-year fixed, with a reasonable fee. We closed in less than three weeks and none of the things that Stephen said were obstacles turned out to be an issue. I am pleased to report that my wife and I are now enjoying substantially lower monthly payments. BOTTOM LINE: If you want someone with an "old-school" approach to sales--involving psychological games, pressure tactics and absence of transparency (resulting in your not getting the best deal that you could)--Stephen Wong may be a good fit for you. Anyone interested in connecting with the straightforward broker we ultimately used is welcome to send me a private message, as I'm not allowed to include that information in my review.

Thao is an excellent loan officer. She was very responsive, on top of everything, and she made my…read morerefinance process super smooth. Plus the rate was the most competitive. I would recommend Thao and would go back to her when I need a mortgage loan.

I came across Thao through a recommendation from friends who had previously worked with her and…read moreshe's a total 5 stars. Before Thao, I had already researched a handful of best lenders but even still, she was able to get me the best rate along with lenders credit among them. Aside from her being knowledgeable in the field, what stood out to me most was she was so pleasant, patient, and kind. She has great interpersonal skills and was always courteous and willing to listen & answer my numerous questions. She checked back with me frequently, more so than all the other loan officers, and I felt she was genuinely always on my side. I told Thao that I will be returning to her services when I need to refinance my house & I intend to