Bernice "Casey" is the best there is! I was selling my first home and buying my second home and I…read morewas already working with a mortgage lender. However, their rates and closing costs were outrageous and I just knew I wasn't getting the best offer. My realtor referred me to Casey, and boy I wished I had met her sooner! She got me qualified in 2 days! And got me the best interest rate AND lowered my closing costs that I had extra funds left over. Casey walked me through step by step, she was always available to speak if I had any doubts or questions. She truly is the best in the business!

Was referred to Bernice by our realtor. As a first time home buyer, starting the home-buying…read moreprocess was overwhelming and intimidating! With all these stories of how stressful buying a home would be, I was honestly expecting the worst. To my surprise, it was actually a very smooth and straight forward process. Thanks to Bernice, who slowly walked us through the process, explained the things we did not understand, and provided guidance about everything. After our loan was approved, she even managed to get us a lower interest rate. It didn't even disrupt our timeline to close. To anyone searching for a mortgage broker, trust Bernice. She's surely experienced, transparent about everything related to the process, and will try to continuously work to get you the best outcome. Thank you, Bernice!

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.

Dave Is your Man when it comes to getting a mortgage loan for his clients…read more He has been our loan guy for over 20 years now and would not consider going anywhere else. He's honest, straight up, and very knowledgeable with all types of mortgages. Call Dave and leave the worries behind.

Can't say enough good things about David. For one, he gave us the highest pre-approval and we were…read moreable to get our dream home because of it. But what I enjoyed most is how available he is. Felt like I called him every other day to get an update and always answered and welcomed my calls and questions. He worked all hours of the day to help us close early and get our keys in time to work on it before we moved. I'll be recommending him to everyone I know that's interested in buying a house in the area.

From the first day I walked into the branch, Jorge had always been kind and helpful. The entire…read moreatmosphere is welcoming and planning to make this my home branch. Lines are never long and boring. Good music always playing and parking is never an issue. I really like coming to this branch.

Great fast customer service and friendly staff. Daniel helped me open accounts for me and my family…read moreand helped me apply for a new credit card. I will be coming back to get his help to open more accounts for my other 2 children.

if I could give more than five stars, I would in a heartbeat. You would be making a big mistake to…read moreuse anyone other than Brenda for a home loan. Brenda and her team are absolutely amazing. This is the fifth house I've purchased in my life and this was the first time I didn't panic during our loan underwriting. Outside of this experience, closing on time always felt like it was at risk. This time, we had 3 week close and actually closed a few days early. Brenda was extremely proactive, communicative, and responsive. We could not believe the seller went with us despite not come in with the highest offer. We were told through their agent one of the reasons they accepted our offer was because of Brenda's reputation. You can't ask for more than that

As first-time homebuyers, we couldn't have asked for a better experience than working with Brenda…read moreand her team. Brenda took the time to meet with us on multiple occasions, walking us through our mortgage options with patience and clarity. She even recommended a rate buy-down strategy which we successfully negotiated for the seller to cover. Thank you Brenda and team for making our first home purchase such a smooth and rewarding journey!

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.

Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

We are closing on a house this week and had to share our fantastic experience working with Chris!…read moreFrom start to finish, he made the entire process feel easy and seamless. Chris was always responsive, communicative, and proactive about keeping us informed at every step. He answered all of our questions quickly and clearly, which gave us so much peace of mind during what can be a stressful process. Beyond that, he's just a genuinely personable and kind person, just an absolute pleasure to work with. We're so grateful for his expertise and support, and wouldn't hesitate to recommend him to anyone looking for a smooth, efficient home loan experience!

I have nothing but good things to say about Hal and his team! We were first time…read moreHome buyers who knew very little about the process, but he listened, explained and answered every question with the upmost professionalism and patience. He walked us through every step and even got us the lowest interest rate we could get. People have often told me to shop around for different lenders, but every other lender that I reached out to, was too pushy and eventually I would have to owe more money even though they claimed they would save me 5k plus! Hal is an honest and genuine person who I am lucky to have met and I cannot thank him enough for helping us get our first home! It's hard to recommend anyone unless my experience or trust in an individual is nothing short of 100% and I would 100% recommend Hal to every one of my closest friends and family! That explains how much I trust and thank this individual.

Worked with Hal through the home buying process in getting a loan. Hal is super knowledgeable and…read morewas able to guide us step by step in terms of what is needed and expectations. I highly recommend working with Hal!!!

Karan, Efren, and their team have been a pleasure to work with during my first home purchase. They…read moremove extremely quick (closed in 18 days!) and kept up constant lines of communication throughout the entire process. They have maintained a courteous and professional demeanor the entire time and looked out for my best interest. Would highly recommend working with Optimal Loans for anyone looking to do any home shopping!

Karan, Efren and Vivilya together form an amazing Trio when it comes to Mortgage services and was…read moresuper helpful and delivered at an amazing speed for my mortgage requirements. They were super attentive, easy to reach to and has been very punctual and meticulous throughout the process and also provided the best deal thats out there. Highly recommend Optimal team for all your loan services!!

I rarely write review because I thought it is time consuming, but this time I have to insist to…read morewrite for the benefit of the Bank's clients: I had a very disappointing experience with Fremont Bank while applying for a HELOC. The process was frustratingly inefficient -- every time I submitted the requested documents, they came back asking for even more, as if nothing was ever enough to satisfy their endless list of requirements. My assigned representative, Michael Garrick, was particularly unhelpful. He was unresponsive, failed to follow up, and completely ignored my repeated requests (three times!) to speak with his manager. His lack of accountability and disregard for customer concerns made the entire process unbearable. It felt like he had no intention of helping or working in the client's best interest. The only thing he managed to do quickly was say no. I would not recommend Fremont Bank to anyone looking for a smooth or respectful lending experience.

I went into this bank yesterday to wire money. there was NO ONE in the bank, except one teller. it…read morewas probably 4:15 - 4:20. I told teller that I needed to wire money. he said he needed to get a banker. he walked into a door, returned a minute later and told me that the banker said it was too late??? excuse me, you're open, no one is there. So I have to go back today. Very POOR customer service.