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.

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!

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.

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.

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.

Esther and Paul were EXCELLENT. From the start I felt like a priority and questions were answered…read moreimmediately. Buying a house is very stressful, the last thing you want is to get spotty communication and instructions for everything required. This is the 3rd house I've bought and have never had such a good experience. Their tools/portals are FANTASTIC, I was able to complete steps and see my progress easily.

Are you looking for an excellent team to work on your loan? Look no further; we highly recommend…read moreThe Loan Story team! We had a pleasant experience working with Yvonne Wu, Paul Reyes, and Esther Chien for our first home purchase! They are truly a wonderful team! We highly recommend that you check them out for your next home purchase! They answered all of our questions promptly and were extremely professional throughout the entire process. They met our tight timeline and closed escrow within a reasonable time frame! Thank you, Yvonne, Paul, and Esther!

I'm in Arizona and I knew what I wanted to achieve financially with a purchase of a very unique…read moreproperty would not be easy and that their would be challenges. After months of trying to find a Lender and Insurance Company in Arizona to assist me to no avail, I finally turned to friends in California who referred me to Cyrus. What a Gift what a Blessing. So, if you are looking for any type of Real Estate Financing from A to Z a team who can make the impossible, possible, then look no further. Cyrus and his amazing team are the most experienced, knowledgeable, trustworthy professionals that can help you achieve any and all of your financial real estate goals. Cyrus team has a mind set of No Problems, Only Solutions. They are not afraid of a challenge and are the most resourceful team I have ever come across. Communication skills are vital in this business and are time sensitive, a quality that all of his team members possess in spades. They listen, ask the right questions, they know when to e-mail you, text you and when to call. They don't waste your time and they don't drag their feet to get the job done. In my 30 years of personal real estate experience Cyrus and his team are the most result oriented team of professionals I have ever come across and that's the kind of professionals you want representing you. They give you all your options and they always do what's in your best interest not theirs. This is the only team of Real Estate Financial experts and professionals that I will ever use for any and all of my future real estate financial goals and I will continue to refer them to anyone and everyone who needs a winning team to help them achieve their Real Estate Financial goals and make the impossible, possible. Thank you Cyrus, Shahin Adeli, Cary Iaccino and Jennifer Lowe. Working with all of you has been by far one of the best and most rewarding financial experiences I have ever had. You and your team of Real Estate Financial Advisors are a team that can be trusted and truly understand the meaning of Customer Service who do not Over Promise and Under Deliver. What you achieved for me is priceless. Forever grateful.

Working with Cyrus Ghazvini at Omni Fund was one of the best decisions we've made. We were…read morerefinancing at a time when the market was incredibly difficult, and the process was full of obstacles, but Cyrus navigated every single one with skill, patience, and determination. His range of expertise is unmatched, from low A-paper rates and conventional loans to reverse mortgages, private and bridge financing, and even in-house hard money options. Whether it's residential or small-balance commercial, Cyrus truly has every aspect of real estate financing covered. If you want someone who fights for you, thinks creatively, and gets results no matter how many hoops there are to jump through, Cyrus is your guy.

We closed on our South Bay house early May 2021 & we will go to Albert, from now on, for anything…read moremortgage related. Throughout the entire process, Albert had been exceptionally hard-working and results-driven. He gave advice with full transparency. He kept us informed of next steps while also explaining the rationale for the numerous required documents. Albert was timely with all of his communication; responding to our questions in very short order, and always pleasant & patient in his interactions. We appreciate the courteous, prompt and knowledgeable service. Albert and his team at The Loan Story are true professionals.

Albert was referred to me by a relative that Albert has helped with many loans and refinances…read more Working with Albert and his team was a breeze - Albert was always on top of escrow, the lender, the appraiser, and all the parties in the purchase transaction. Albert is a true professional, efficient, and dedicated; with his expertise and at his suggestion, we were able to lock rates at a low. However, Albert never pushed us to choose one path or the other; he always gave us all the information we needed to make an informed and educated decision. As a realtor, I have worked with many loan brokers and Albert stands heads above the rest.

Used them for two refinancing, can't beat the cost they give you. Shop around and confirm for…read moreyourself, these guys saved me more than Geico could. Googain seems more appropriate if you're somewhat familiar with home financing. For your first home purchase you may want someone who can walk you through the process and help you understand everything.

Our finance journey with ShirleyLu at MaxReal has been exceptional. Whether we were doing a…read morepurchase or a refinance, Shirley maintained an impressively high level of professionalism. She treated us with respect, took time to understand our goals, and executed everything with precision. Her service is timely, clear, and reliable--instilling a sense of security in an area that can often feel complex and overwhelming. If you're seeking someone who truly puts your interests first, Shirley is the one.

The true MVPs of this entire process! We couldn't be more grateful to Max and Tonya for helping us…read moreclose on our home. Our situation was far from ideal, but they made it feel so smooth, manageable, and closed on time! After our offer was accepted, our original lender fell through, leaving us anxious and worried about falling out of contract. We got Max's contact from another friend and after talking to Max, he reassured us that he could deliver, and stayed true to his word as promised From start to finish, they were incredibly responsive, organized, reliable, and completely on top of everything - all the essential qualities you need in a home-buying team. Trust me, having a reliable team makes all the difference. You can tell that they're very experienced and truly badasses at what they do. We'll absolutely turn to Max for any future refinance or home purchases. Highly recommend this powerhouse duo!

Very professional lender who thinks for his client. Everything was very smooth with Max. You can…read morefeel that he puts his client's interest before his personal interests and really tries to find the best option for his client.