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.

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.

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.

I purchased my current home with Rainmaker about a decade ago! Alex paired me with the right…read moreperson on his team to work with. I always felt I could go to either of them with questions and concerns. Through the years, we've stayed loosely in touch. Recently I asked Alex his thoughts on a second property, sharing my concerns and parameters. He had/has really good ideas, has experience with handling different situations, and I didn't/don't feel at all pressured to purchase. When it comes, hoping the second time goes just as well!

We never thought we could get the dream home after seeing the massive traffic at the open house,…read morebut Yao Li made the impossible happen! She is incredibly knowledgeable, strategic, and resourceful, navigating this competitive market with expertise. Her support didn't stop at closing--the unexpected and valuable after-sale service (including offering resources & connections to help fix small issues) truly sets her apart. We are immensely grateful and feel lucky to have had her as our agent.

Richard and his team were fantastic to work with. He walked me through my options and educated me…read moreon what mortgage would be the best fit for my situation. His team was easy to work with and proactive in their communications. I appreciate the white glove service and would recommend Veridian Mortgage without hesitation. Thank you Richard!

There's no doubt Richard's services lands him in the 5-star rankings. I had the pleasure of seeing…read moreRichard Wang from Veridian Mortgage assist my superior in securing her first home, and I can't speak highly enough of his service. Richard's professionalism, clear communication, and dedication made the entire home-buying process much easier and less intimidating. He was proactive in addressing every question and detail, ensuring everything went smoothly. Beyond his work, I really admire how active and engaged Richard is with his online presence; he is consistently sharing insightful content that demonstrates his expertise and commitment to helping others. If you're in the market for a mortgage expert who truly cares about his clients, Richard Wang is the one to call.

My experience with Sheila and Kim left me only good things to say about them. They were very…read morehelpful, understanding, transparent, and patient. And helped my family and I make the impossible, possible. I am very happy and satisfied with my experience.

My husband and I worked with Kim and Sheila to buy our first home, and both were phenomenally…read morehelpful throughout. From the beginning to the end of our homebuying process, they were informed, communicative, and amazingly resourceful. As newcomers to the homebuying process, we had a lot of questions; they answered promptly and thoroughly every time, always in terms we could understand. Ultimately, we closed on our new home without any major issues along the way, and I don't know how we would have done it without their genuine kindness and support. Also: if you are an animal enthusiast, ask Kim about her dog to receive some extremely cute pictures guaranteed to take the edge off the stress of buying a home. We would not hesitate to recommend Kim and Sheila to anyone buying a home in the San Francisco Bay Area - it is hard to imagine a better experience than the one we had. Thank you, Kim and Sheila!

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!

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.

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.

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!

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I…read morewould have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez

My boyfriend Alex recently went through a mortgage refi, and it was a smooth process, THANKS TO…read moreJOE ADAMSON! As a first time homeowner, Alex was going through a very stressful time not knowing where to begin or what to expect... but Joe was extremely helpful and patient with Alex, especially with explaining the entire process to him. He was always responsive with emails and phone calls, and even called Alex from time to time to check up on him and see how he was doing. The process took a while, but Joe got the job done. My boyfriend is not one to write YELP reviews, but he asked me to write this review on his behalf because he TRULY believes Joe is great at what he does. If you are looking for someone to guide you in the right direction, We HIGHLY recommend working with him!

If I could give Mortgage Magic (MM), Doug Jones and his team 10 stars, I would. My husband's family…read morehas known Mr. Jones for over 20 years now. MM helped his parents and two older brothers purchase their homes. In 2011, MM helped my husband purchase his first home in the Fremont area. We've lived there for 5 years now and love our community. Since I was not very involved with the purchase of our first home, I had only heard of Mr. Jones' professionalism. This time around, I got to experience it first hand when my husband and I decided to purchase an investment property in the San Fernando Valley. Mr. Jones went above and beyond to help us with this purchase. I will share that my husband and I were committed to purchasing a home down in the Valley in order to help my parents live closer to family and my siblings. They were living out in Palmdale, CA but were not very happy. From the get go, Mr. Jones demonstrated an upmost professionalism and work ethic. The difficulty with the purchase involved the timing and location. Mr. Jones and MM were in the Bay but we wanted to purchase in LA. But that didn't stop Mr. Jones. He came down to visit some homes with my husband and me. He called and dealt with some pretty unprofessional people just to ensure we got the best deal. He even came down with his wonderful wife, Trudy, to LA despite being ill in order to be present the day of a property inspection. Boy are we glad he was there! He was honest about the condition of the property; it wasn't worth our time. After 3 failed offers, we finally found the perfect home. Mr. Jones and MM were prompt, responsive, and drove down to look at the property when my husband and I couldn't due to our work schedule. Some may think we are crazy, but we didn't even look at the property in person before purchasing! But that's because our family in LA had seen it and because we had trust in Mr. Jones and his team to do right by us. And right by us they did. We are so incredibly blessed with our new home down in LA. It's been about 2 months now and my parents live comfortably. My father was so impressed with Mr. Jones that he decided to retain his services in order to sell his home in Palmdale and move back to the Valley into the home we had just purchased. Let me tell you a little about my father. Please excuse my oversharing but this is a man who lost his home to a foreclosure in 2008 during the mortgage crisis. This is a man who was priced out of the Valley and had to move out to high desert area in order to own a home. My father, a very kind man, doesn't trust just anyone because of his experiences with shady real estate agents. But my father saw the quality and professionalism in Mr. Jones. My father is a monolingual Spanish speaker, and Mr. Jones made sure that someone who spoke Spanish was in constant communication with my father. This is what it's all about ladies and gentlemen: Providing access and quality services to everyone regardless of language, race and creed. Beyond all of this, Mr. Jones and his team have shown that they are simply high quality human beings. I write this review today from the comfort of my home in the Valley, where I now get to see my parents living happily and close to our extended family. We are just days away from closing on the sale of my father's home and we couldn't be happier. We are truly blessed to know Mr. Jones and his team at MM. Please don't hesitate to reach out in case you have questions about my experience. I can't write more because this review is already longer than most according to Yelp. But rest assured that you are in good hands with Mr. Jones and his team at Mortgage Magic. My family and I owe them a great deal. Thank you, Doug and Mortgage Magic for all that you have done for us.