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.

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!

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 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!

Sheila and Kim are hands down some of the best loan officers I've worked with…read more They helped my client purchase his first home smoothly and closed the transaction in under 18 days on a nearly $900K deal. That kind of speed and execution is rare. Their process was incredibly streamlined, communication was clear throughout, and they stayed on top of every detail from start to finish. Most importantly, my client felt supported and confident the entire time, which made a huge difference for a first-time homebuyer. As the realtor on the transaction, I truly appreciate their professionalism and efficiency. Looking forward to many more deals together.

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.

the website isn't real and they have realtors listed that are not licensed to sell real estate…read more https://www.zillow.com/profile/homesbyher4 this person was evicted from my building in April 2024 and had a restraining order against her by another neighbor.

I had the same exact experience as another reviewer. A person named "Paul" answered the phone after…read morei finally got through. He was extremely rude and unhelpful. I was simply trying to schedule a viewing of a property. The poor owners probably have no idea that this property management group is rude and preventing their property from getting rented.

I am a new member at KeyPoint but not new to credit unions in general. I was in the market for a…read morenewer vehicle and was looking for somewhere to apply for a loan and due to convenience (location not far from me) and knowing my former colleagues - who I worked with previously - had joined this CU I decided to apply here. I had the pleasure of working with Daphne who helped me finance my loan from start to finish. She was such a great representative to work with and was always prompt on getting back to me and answering any questions I had. I want to commend her on giving me an amazing experience and painting a great impression of the credit union for me. If anyone needs any help on loans, accounts, and inquiries I would definitely recommend working with Daphne.

I was very pleased with my experience here over at KeyPoint. I came in and was greeted immediately…read moreby such wonderful ambiance. Adam did an exceptional job assisting me and helping me set up my account. My overall experience was very informative and smooth. 10/10 would recommend!

I worked with Tina at GoldenPoint Finance and I can't think of how my experience could have been…read morebetter. I had never even considered purchasing but she worked with me, helped me understand what I could afford and held my hand throughout the process. She also is connected to a number of realtors in the area and that helped as well. Buying is stressful and I can't imagine how much more stressful it would have been if I didn't have someone I could completely trust.

I emailed Trisha and reached out to her to let her know about a house she is currently selling at…read moreApricot Lane, Concord, CA. The current tenants are loud, have large parties 2-3 times a week and may be detrimental/risk to your investment. She let me know that the owners have been notified but they plan on taking no action since they are selling the house. She said there is nothing much that can be done and hung up - pretty unprofessional I feel. This is just a warning to other buyers and agents that this should be disclosed to ensure you know what you are getting yourself into if you are considering making an investment in this property. Reach out to the neighbors so you are informed.

I purchased my current home with Rainmaker about a decade ago! Alex paired me with the right…read moreperson on his team to work with. I always felt I could go to either of them with questions and concerns. Through the years, we've stayed loosely in touch. Recently I asked Alex his thoughts on a second property, sharing my concerns and parameters. He had/has really good ideas, has experience with handling different situations, and I didn't/don't feel at all pressured to purchase. When it comes, hoping the second time goes just as well!

We never thought we could get the dream home after seeing the massive traffic at the open house,…read morebut Yao Li made the impossible happen! She is incredibly knowledgeable, strategic, and resourceful, navigating this competitive market with expertise. Her support didn't stop at closing--the unexpected and valuable after-sale service (including offering resources & connections to help fix small issues) truly sets her apart. We are immensely grateful and feel lucky to have had her as our agent.

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!

As a resident of Sierra Crest, I first noticed Zaid Hanna's name back in 2024 when I saw his real…read moreestate marketing poster at my doorstep labeling him as the "your #1 Sierra crest Seller Agent." I snapped a quick photo of it, thinking I might consult him if I ever needed to sell. By the winter of 2025, I received another flyer from Zaid that read: "The market is frozen, but we didn't give up." Even though the market was rough at the time, that property sold shortly after. His words truly touched me. In the high-cost, wealthy Bay Area, a modest condo often doesn't get much attention; many agents wouldn't bother putting in the effort and would simply advise the seller to rent it out if it didn't sell quickly. Although I had never met Zaid, I saved his number in my phone right then because I was deeply impressed by his work ethic. In the spring of 2026, my mother unfortunately passed away, leaving behind a condo that needed to be sold. I was at a loss for who could help. The property's location wasn't ideal, and the market was slow, so I knew I needed a top-tier agent. While I initially considered finding a Chinese-speaking agent, for some reason, I decided against hiring a Chinese agent. That's when I thought of Zaid. One day afternoon, I gave him a call and described the condition of property. he scheduled our first meeting immediately. Zaid was very nice. Our first meeting went incredibly well. Zaid analyzed the market for me. It was April, and inventory was unusually high. He recommended a minor renovation, and I agreed because I knew it would change the look of the home. He was highly professional and honest with me, acknowledging that the market was tough, especially for condos. However, he emphasized that his goal was a quick sale upon listing so it wouldn't sit on the market. Zaid's true professionalism shines through his phenomenal team. From remodeling, cleaning to the official listing, every team member was diligent and responsible. The renovation took about two weeks--a bit long, but the results were stunning. The house officially hit the market around Memorial Day. Throughout the process, Zaid called me every Tuesday to give updates. Remarkably, after just 7 days on the market, we received an offer! This completely exceeded my expectations. Given the less-than-ideal location, I had mentally prepared myself for a long wait. Seven days was faster than I could have ever imagined. I had seen many condos on Zillow sitting on the market for over three months, forcing sellers to slash prices multiple times. I felt lucky. The subsequent escrow and contract process went smoothly without a single delay. All contingencies were removed exactly on schedule. Yesterday, on July 2nd, this modest little condo officially closed escrow. I am incredibly grateful. It is easy to sell a perfect house, but selling a property with an unfavorable location requires an agent with extensive knowledge, sharp skills, and precise valuation. I believe a challenging property is the true test of an agent's capability, and Zaid completely proved himself. He gives honest advice that both buyers and sellers should take seriously. I highly recommend Zaid and his team, and I look forward to working with them again in the future.

If you are looking to buy a home in South San Jose--specifically in Almaden Valley, Cambrian Park,…read moreor Los Gatos--Zaid Hanna is the agent you want in your corner. His deep-rooted knowledge of these specific communities is truly unparalleled. What sets Zaid apart is his incredible sensitivity to numbers. His property value estimations and bidding accuracy are spot on, ensuring we remained highly competitive without overpaying. He doesn't believe in a "one-size-fits-all" approach; instead, he crafts personalized tactical plans specifically tailored to his client's unique financial situation and goals. Most importantly, Zaid is a true professional who never pushes his clients. He was incredibly patient throughout the entire process and never pressured us into making a decision. He prioritized our family's best interests and comfort level above all else. For anyone seeking a strategic, data-driven agent who respects your pace and provides expert guidance, I cannot recommend Zaid Hanna highly enough!