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.

We had a really great experience with The Loan Story! Esther and Yvonne were super helpful during…read morethe home search process and were always quick to answer our questions. After we were under contract Yvonne provided great insight on mortgage rate trends and Paul helped make sure the process moved along smoothly. They helped make buying our first home much less stressful!

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.

Dave, Danny, and the entire team have helped us multiple times, and we've never had anything but a…read moregreat experience. Dave has consistently gone out of his way to help, and Danny has been great to work with as well. They're responsive, thorough, and always make sure I understand every step of the process. They take the time to answer questions, talk things through, and genuinely treat us like valued customers--not just another transaction. I can't thank Dave, Danny, and the team enough and would absolutely recommend them to anyone looking for a mortgage team they can trust.

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!

Working with JVM lending has been a real pleasure, and I cannot thank Victor Flynn and his team…read moreenough for assisting me in this process. This is the 2nd time I have used JVM, and they have provided top-notch service throughout. I would like to give a special call-out to Victor Flynn. In this 2nd time working with JVM, I told Victor that his speediness in my first transaction 3 1/2 years ago made me realize that he was "in like Flynn"--in that he was right on top of getting things moving from the very first day after I had contacted him regarding my mortgage needs. Victor's explanation of my various options this time around was presented in a totally clear manner, and he and his team were available to assist me at all times. I also really appreciate the fact that there was no pressure upon me, as I was not ready to get the move going for 6-9 months after my initial conversation with Victor this time around, and other than 1 or 2 check-in emails from him, there was absolutely no high sales pitch from them, and no "push" or fear tactics regarding the market. I highly recommend Victor and JVM team for anyone who is planning on selling and/or buying a home in the Bay Area. I have no hesitation in giving Victor and his team a 5-star recommendation.

JVM was great to work with during our longgg house search. Victor was our main POC and was always…read moresuper quick and helpful any time I reached out with questions. Thank you Victor and JVM team!

Bob is great. All I can say is, he will make it happen no matter what the situation is.read more

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!!!.

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!

Has been her customer for many years. Great experience doing our loan with Angela. She is very…read moreknowledgeable, very fast in execution, always kept us in the loop. There was a case when we had to switch our lender/agent at the last minute due to unavoidable circumstances. Angela helped at that point. I felt that she keeps customer ahead of everything else.

Angela is very knowledgeable, professional, and very dedicated to her work as a morgage specialist…read more It was a pleasure working with her. She is very organized and precise. She made the mortgage process easy and offered great guidance throughout the entire process. She was always quick to respond all of our questions and was always easily accessible. We absolutely like working with her and highly recommend her.

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.

Since purchasing my home in 2003 I refinanced it twice with Tuan, resulting in progressively lower…read morerates until it was under 4.0. Tuan made it super easy and affordable. Last week I took out an Equity loan. Tuan wasn't sure he could do better for me than my current mortgage holder, but invited me to send him their estimate. He did much better than them, giving me the same rate without closing costs, and was even able to spread the loan over 30 years, which my first mortgage lender couldn't do. I always get the best deals with Tuan and I would never refinance without checking with him on what he can do. He gives me the best service and the best rate. He is also very kind, patient, and comfortable to work with. I never feel pressured. I can't say enough about Tuan at Providential mortgage.

I had one of the worst experiences here working with a lender. I will not name her due to respect,…read morebut she was not very good in communicating or double checking every one works. The underwriter is horrible as well they made me write statements for the wrong amount about me paying my taxes. First of if you do not know what the closing cost will be then just telling me, I had other lender give me a list of what the fees will cost and this lady just said it could be 40k in closing cost. Now this is during the first conversation I had with them. My heart dropped already because 40k is a lot and that will cut into my home renovations. She kept emailing me about getting these files in right away or this will delay the process within barely the first 10 minutes. I had uploaded all docs within a few hours. At this point buying a new home is already stressful having her push me and talking about delays is putting more stress. She kept asking for more docs over and over. I would have hoped she had given me the list in the first place instead of asking me for the extra docs almost everyday. When I wired the money to my escrow she emails me back with why are you wiring money from an account we have not validated, this bank she was talking about was the bank of the escrow company not mine. Again not reading and putting more pressure on me. After a long 30 day process everything was completed and I get a call from her boss asking me about my experience which was horrible. She told me shes part time and she had over 11 loans to work on, this is not an excuse for bad service if she is over loaded then tell me and I would went with someone else. Fast forward to today. I now get another email from her about a document that I had already provided I'm sure shes lost from the 100s of documents she made me send and it would be easier for her to make me resend it then to look through everything. TIP: Make sure to get someone experienced, Ask them about the process. luckily my closing escrow was 30 days. If this was 17 days I would have been F'd.

Had terms agreed in writing with Lee Chieng. Uploaded all personal financial data within 24 hours…read more A ton of them, including W2 and tax returns. Lee Chieng emailed back: "sorry, we cannot offer you the deal we agreed. But you have choices! a) pay off $70K more of your loan, b) give us $1000 more for closing cost and a 0.125% higher interest." If you were me, which choice do you make? The third one: walk away and never trust them. I told Lee that I have multiple properties and I disclosed the exact number. And when I questioned why they walked away from their offer after I uploaded all financial data, her response was: "we have a pricing engine. We go by what the computer says". Then what do you do besides the computer, Lee?? My guess is that the market rate has changed in just a couple of days and they are walking away from the deal. This experience really leaves a bad taste in the mouth. Stay away from Adeline and the team. No apologies, no concession, nothing!

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.

The reviews are absolutely true about Grant. He is an amazing broker and also person. I highly…read morerecommend him and his services; especially to first-time home buyers. He's very honest and thorough, which helped us really get understand how the home buying process works. He's the guy you want on your side and the friend that has always felt has been by your side.