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.

UNPROFESSIONAL Nothing but waste of my time and my money, so…read morehard to track people down, took the whole team to follow up to get an update

Alliance lending is reliable, attentive and client focused. From the moment I sat with a lender I…read moreknew they were the perfect company to work with. As an educator, I love to learn and their team was very detailed oriented when explaining financial costs. I was able to close on my house in less than 3 weeks and I was shocked on how fast they worked. As a first time home buyer I was very please with their work and look forward to refinancing with them in the future. If you are looking to buy or refinance I highly recommend them.

Working with Camaron was an exceptional experience from start to finish. He is incredibly prompt,…read moreprofessional, and consistently goes above and beyond to gather the necessary information and ensure everything stays on track. What truly stood out to me was his commitment to keeping loan costs down while still securing competitive terms. Camaron is extremely knowledgeable about interest rates and market conditions, and he communicates clearly and quickly. Anytime I had a question, he responded right away with thoughtful, well-explained answers. His efficiency was especially impressive -- he helped us close the new loan before the next payment on the old loan was due, which required careful coordination and strong attention to detail. If you're looking for a loan broker who is responsive, strategic, and genuinely invested in achieving the best outcome for you, Camaron is the one. I would absolutely work with him again and look forward to building a long-term working relationship. Highly recommend.

I went to a homebuyer seminar where Camaron presented about first time buyer programs. I have been…read moreto some other ones that were not as clear and I will be working with Camaron to start my approval process this summer. I highly recommend working with Camaron if you are a first time buyer and need a mortgage

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!!!.

I don't think anyone in the bay will be able to close a loan as quickly and as efficiently as Bob…read more He is prompt and responsive 24/7. If you guys are in doubt I will say Bob is the right man for the job. A huge shout out to Debbie as well for being responsive and helping us out.

Audrey is so wonderful! We're first time homebuyers & just closed on our home. She was great…read morethroughout the whole process and it went so smoothly. Any questions I had, she answered. She was very easy to reach, communicative, adaptable, and so quick! The rate was good too. I spoke with a few loan officers prior to talking with Audrey and many of them weren't personable, they lagged on answering questions for days, and weren't respectful of mine & my husband's time. Audrey was very sweet and was always there for us even when we had silly questions. Definitely recommend Audrey & her team! Very trustworthy and super easy to work with. We're so grateful :-)

What can I say about Audrey? First off, it was thanks to her…read morethat made my experience in home ownership less stressful. She was excellent from the start. Always available for any questions my wife and I had. Always prompt with her response. And always patience enough to take time to explain things to us. I can honestly say that without Audrey things would have been hectic and chaotic. Her temperament and attitude during the process calm me down if anything unexpected were to come up. In a way I felt like Audrey was part of my family during this process because I know she wanted the best for us. And for that I am truly blessed and grateful. I would highly recommend anyone to give Audrey a call if they are in need of a loan. You won't regret it. Thanks soooo much Audrey!!!!

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.

Amazing company! Dean Le and Ronnie Nguyen worked efficiently and helped me with my process!read more

We attempted a home refinance with Loan Factory and worked with Arton Chau as our loan officer and…read moreAnder David Herrera as our processor. Our refi did have some unique circumstances given I was on maternity leave at the time and I wanted to give some grace for that, but the issues we had went far beyond a complicated refi. Additionally, when we decided to go with another company, the process was so smooth that it proved the situation never should have been viewed as that complicated to begin with. The main issues were: 1) Information would be asked for, we would provide that information, nothing would happen, we would ask questions then they would share they needed information that we had already provided that was right there in the same email thread. 2) The information they claimed to need from my employer kept escalating. They asked for a letter verifying I was still employed despite being on leave, my employer provided it, nothing happened, we checked on progress and they said we needed more. They asked to speak with my manager to simply confirm my employment, they didn't contact her for over a week, then they asked HR type questions she couldn't possibly answer. Then they claimed they just needed HR to confirm verbally that they had issued the letter, then they finally talked to HR and asked a bunch more questions. It was bizarre and honestly, my employer was apologizing to me by the end of it while I was apologizing to them. 3) They didn't care about official loan deadlines, because it seemed to be their plan to keep asking for extensions. We initiated everything on 9/8 and as of 10/17, past the 30 day mark, they were still "gathering information." Working with the company we ended up going with, we started with them on 10/21 and everything was completely wrapped up by 11/14. 4) When working with other loan officers I've had experience with, they will do things periodically on weekends or in the evenings as necessary to hit deadlines. This team seemed to never work weekends and at one point Ander went MIA for over a week of the process and was supposedly on vacation with no back-up. This wouldn't be a big deal if it were a longer process, but over a week out of 30 days is pretty extreme. From what I can tell, these people just aren't that skilled. They clearly have a big company and Factory is an apt name for it as I think they just get as much business as they can get, turn and burn, and don't really care about the service they are providing.

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

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.

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!

This has been the third time we have worked with the Reen Team and each experience has been great…read more From helping us get our first place to helping us get our forever home. Highly recommend working with their team regardless if you're a first time buyer or an experienced one. They can help guide you make the whole process easy to follow.

We had a great experience working with Grant. We contacted him after we had already submitted an…read moreoffer with a 15-day close, and he was able to get everything done on time without any hiccups. He was extremely thorough and knowledgeable about every aspect of the home loan process. As first-time homebuyers, we were pretty out of our depth, but Grant answered every question we had and made sure we understood what was happening at each step so we could feel confident we were making the best decisions for our family. I would recommend Grant to anyone in the area looking for a home loan.

Grant is hands down the best and most amazing person ever. I had no clue what I was doing for my…read morefinancials and let alone buying a home. But Grant took his time to walk me through the whole process. He spent countless hours educating me so that when I was ready to buy my first home, I had all the knowledge I needed. I trusted Grant in this entire process and he guided me every step of the way. He's very thorough and very transparent. Which is something you don't often see. He truly cares for you and makes sure you are able to save money and make good choices. Grant went above and beyond what he provides and I can't thank him enough. I highly recommend Grant's services to everyone. If you don't know where to begin, start with Grant!