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.

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.

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.

Working with our Lender Alex Greer was an absolute game-changer for us. It felt like he was working…read more24/7 to help us achieve our dream of homeownership. From start to finish, Alex guided us through every step of the process. He was always there to answer our questions and explain everything in a way that was easy to understand. We're so grateful for his hard work and dedication, and we truly believe we wouldn't be in our new home without him! Thank you so much ALEX!

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.

Jean helped us refinance our mortgage on behalf of California Capital Mortgage. She was very quick…read morein providing quotes and any information needed after the process started. Escrow and closing were as smooth as they could be. Though we never met in person, Jean handled all my questions and requirements as if we knew each other for a long time. I honestly didn't think mortgage and/or refinance could be closed so quickly and that too with a competitive interest rate and 0 closing cost. I would highly recommend Jean for a new mortgage or refinance. She is amazing at what she does.

Eric (and his wonderful assistant, Tara) helped us purchase our first home this year. It was a…read morefrenetic process exacerbated by it being our first time, the intimidation and competitive pace of the Bay Area market, and the sometimes overwhelming energy of our overeager real estate agent. Through the whole process (and despite our occasional impatience and constant anxiety), Eric was actually the most calming and stabilizing force. He is funny, personable and sharp, and he was very patient with me as I grilled him and requested explanations suitable for a 5-year-old in order to properly understand things again and again and again. He weathered the ire of our agent (and our resulting restlessness) in order to work the process and ensure we got a solid deal that helped us accomplish our short, monthly and long-term goals. No, he is not in a position to crank on the underwriters to move faster (#DammitDiane!), and his team remains at the mercy of the title company's willingness to move in the end. But he is genuine, patient, sensitive, always available, and will find a way to make things work the way you need them to (or explain very clearly what the blockers are). We are very grateful we stuck with him -- and he stuck with us -- after our home search paused for a year. We recommend him wholeheartedly!

Eric helped my wife and I with our first purchase. We didn't make the job easy with our situation…read moreand purchase type. But he assured us it was no problem and was able to navigate through a tough market place. When lenders were tightening down guidelines and raising prices he was able to find us a below market interest rate which we're truly grateful for. Eric knows his business and is on top of lenders, programs and market conditions. If you want to feel confident about starting a refi or purchase I would recommend him 100%

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!

Julie and her team were amazing partners in helping us purchase our first home. She was able to…read moreget us an amazing interest rate, provide excellent service AND close within 22 days. From the first call we were drawn to Julie by her attention to detail, focus, efficiency, and industry expertise. She was supportive every step of the way, and made sure to email and call to make sure we fully understood and were on the same page about everything from the documentation needed for our pre-approval, to our numerous offers, choosing the right loan, and finally the closing. When it came to choosing and finalizing the loan, Julie and her team really stepped up. She called me within an hour of closing to talk through the loan options available, and recommended that we pull the trigger immediately to lock in the best rates with the best chance of closing on time. From there we moved at a quick pace and her team was helpful and responsive in guiding us through the home loan disclosure and final home loan process. When we had questions about the logistics or numbers or process she and her team were always there to help us out. We had a contractual need to close within 25 days, and we were able to beat it by nearly half a week. I would highly recommend Julie Malta for all of your mortgage needs!

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.

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!

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.