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.

Here is my new update five years later. I went back to Shawn in Jan 2021. I was hoping to refinance…read morethru my current lender to make things easier. It didn't go well as I expected. After consulting with Shawn, I was much happier. I recalled the great experience with Shawn five years ago. And I didn't waste time shopping around. Shawn is an exceptional broker. He is fast to respond to any questions I had and always being so patient. He always provides in front with different options illustrated by clear graphics and worksheets to compare, which is extremely helpful and efficient. He never rushes his clients and always waits patiently to let his clients make their own decisions. He provides his clients very competitive rates. When siting down with our notary to sign paperwork, our notary also told us how pleasant to work with Shawn and he has always been impressed by Shawn's efficiency and clean numbers. Shawn is a perfect example of a five-star broker, who has top-notch knowledge and provides top-notch customer service. I could definitely recommend Shawn to everyone I know.

We were first-time homebuyers and were pretty overwhelmed with the home buying process, but Taylor…read moreand Shawn at C2 Financial made the whole process feel easy and pretty straightforward. They were very responsive, kept us in the loop throughout the entire process, and explained everything clearly. What we really appreciated was how much they handled behind the scenes, which made things feel so much smoother on our end. They were great to work with, and we'd definitely recommend them to anyone going through the mortgage process!

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!

I refinanced my home with Alex Greer of the Mortgage Outlet. Alex helped me reduce my interest…read morerate considerable even though I had not the best credit and limited income. Alex got my interest rate down lower that he quoted me! I was a loan officer in the past and know how difficult it was to refinance me. Alex was extremely professional, worked very hard and diligently to get me refinance. I would recommend Alex Greer of the Mortgage Outlet to anyone interested in financing or refinancing real estate. Alex will take really good care of you and explain all your options even if you do not have the best credit or income. Jon Heller, CPM, CPA,inactive, MLO,inactive

We had a great experience working with Jerry Greer on our home loan. He was knowledgeable,…read moreresponsive, and always willing to answer our many questions, which was super important to us as first-time homebuyers. Jerry went above and beyond to help us submit timely offers, secure a great interest rate, and close on time. Thanks to his support, we felt confident throughout the process. We highly recommend Jerry and the Mortgage Outlet.

We successfully refinanced our house, got the best lowest rate since we bought it in 2023. Thanks…read moreto my loan officer Sherry from Grayton mortgage to make this happened. She is one the best loan officers around South Bay area, knowledgeable, helpful and easy to work with. Really appreciate it!

Eyal Raziel from Grayton assisted my wife and I in refinancing our mortgage. He was reliable,…read moreprovided quick and accurate responses to our questions, and paid great attention to the details of our situation. Thank you, and I have and would recommend Eyal to my friends and family.

Wow, amazing. We just closed our first refi with Jean Sin. To be honest, we never thought it would…read morebe so easier. But Jean did it, we felt completely confident. Everything was on track and flawless. She was very helpful, explained each step and made the whole process clear and smoothly. It was really a happy experience to work with Jean. Definitely, we look forward to do business with her again and highly recommend her to everyone else. Thanks!

Jean at California Capital Mortgage helped us refinance our loan recently with the rates hitting a…read morenew low. She was instrumental in ensuring the process went really fast and efficiently, kept us informed and engaged during the loan approval, signing and escrow process and really was wonderful to work with. Jean is working on behalf of her customer and just great at communication and trust-building. I would any day work with her on another refinance or mortgage-related work in the near future and highly recommend her services.

Todd is literally a MORTGAGE MAGICIAN!! I was originally working with another mortgage broker but…read moreran into an issue where our loan amount was reduced at the eleventh hour during escrow. Feeling completely burnt out and disillusioned, my real estate agent recommended speaking to Todd. I thought it would be impossible to get approved for a loan in less than a week. After jumping on a conference call with Todd, my whole attitude changed. I felt immediately at ease and I could tell he was a creative thinker and problem solver! I knew he was our guy! We spoke about it being a tall order to get a loan approved so quickly but he also said he was confident he could get us done! He didn't let us down. After working with Todd, I realized that there are only three things that really matter when selecting a mortgage. -Pricing: The fact of the matter is that the interest rate Todd quoted me was consistent with the rates offered by the large banks, which are traditionally known as having the lowest. There were no points or any other charges which was great. -Execution: From pre-approval to closing, Todd and his assistants Karen and Carmen were amazing and on top of everything. My husband and I are both self employed and I would consider our financials to be "messy". Karen was the ultimate professional and very thorough. -Service: Todd and his team were very easy to work with. As a first time buyer for an income property, I felt as if I had a friend helping me through the whole process. There is no doubt that Todd is a very intelligent person, but the true distinguishing quality was his sense of empathy and level of patience that could rival a monk. He also understood what the lender needed and I found Todd to be exceptionally creative! He never saw a hiccup as an issue, he always looked for and found a solution. Todd took countless hours out of his schedule to explain all of the nuances associated with the process and the actual mortgage itself. He was very easy to reach and would give me all of the time I needed to go through my list of concerns and questions. My overall experience with Todd and his team was fantastic, and I will surely be recommending him to everyone I know. Todd, if you're somehow reading this, thanks so much! We look forward to doing more business in the future. Thank you again for all your hard work! I owe you a nice big bottle of Irish Whiskey!!

Always a smooth and professional. Their expertise and communication make collaborating effortless…read more Highly recommend!

Fariba made our rental process incredibly smooth and easy to navigate. She was very responsive,…read moreprofessional, and made sure everything was clear from start to finish. She handled the rental process with care and efficiency. We're so thankful for her help and would definitely recommend her!

I have worked with Fariba for couple of years now, both as my realtor and property manager. I…read morecannot recommend her enough. She cares for her clients as she does for her own family. She is patient, knowledgeable, and would never suggest something that's against the client's best interest. Highly recommend her!

Guarantee Mortgage has been around for many years. They have a basic easy to comprehend website. It…read morelets you know in northern california their offices are spread out and discusses the type of programs available to potential clients. They are a good lender to work with. I have worked with them in the past and found them to be a useful tool.

Julie is amazing. When buying our first home together, we initially planned to use our bank, but…read moreour realtor recommended her. After speaking with both Julie and our bank at length, it was apparent who to choose, and we never second guessed ourselves. Julie was very thorough and helpful throughout the process, managing to explain all of the steps, while not over burdening you. She makes sure to focus you on the important / sensitive items and ensures nothing is missed. Julie communicated everything well along the way, and was available for any questions that arose. We easily closed our home in the agreed 21 day timeframe, and the loan was actually ready to close early if we wanted. And of course, she got us a great rate too! If buying another home, we will definitely use Julie again and strongly recommend.