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.

After speaking with a few lenders, I reached out to Providential and it was immediately clear that…read moreTuan and his team operate on a completely different level. Everything was professional and above board, but his experience and guidance made the process feel far more approachable and comfortable than I expected as a first-time buyer. He offered thoughtful insight into the nuances of the process, communicated clearly and consistently, and helped me understand what really mattered at each step. Both my agent and the seller's agent were impressed, and we were able to get our offer accepted on the first home we pursued. Once you speak with Tuan, the difference is obvious. Highly recommend.

Top notch mortgage banker. I have known Sean for last 5 years across his 2 firms and taken 2 loans…read morewith him. Cant recommend him highly enough. Super transparent, never pushy, always delivers on his promise. He cant change the interest rates that Fed or his bank decides :) but for everything else "Better call, Sean"

Sean is very good at communicating on whats happening through out the loan process. He also went…read moreabove and beyond to get us a good deal.

Nelva has magical powers. Yes. Yes, she does. Initially, we were working with the guy who…read moreusually handles our loans, but then he told us that what we wanted to do was impossible - buy a house and then sell our existing home. We knew it was going to be extremely difficult to sell first and then buy, as our toddlers make a mess of the house daily. There was no way we would be able to have nice "open houses" and sell our house prior to purchasing a new one. Our real estate agent put us in contact with Nelva and she made everything work! Nelva was fast, efficient, and friendly. I am pretty sure we have a record time for closing on the house that we purchased. It happened in a snap. Really. She is also very easy to contact, which totally helped keep the whole process feel a notch lower on the stress factor - a bonus when you're in the middle of trying to buy a house. Any time we had questions or wanted updates, we knew we could call, text or email. Her responses were immediate. She was amazing. If you are reading this review, you are done searching for the person who will help you with your loan. She is that person.

Nelva worked tirelessly to find the best refinance for us. When our situation with existing lenders…read morecomplicated the first option, she advocated for us with them, then worked on multiple other options, until finding one that could work. It made a big difference in our financial situation. Throughout it all, she made it transparent and was always available to talk through questions. This is our 2nd refinance with her and she was great on both.

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!

Yvette Teng is the realtor you need! My spouse and I were looking for our first home together and…read morewere satisfied working with Yvette through this new adventure. We wanted a verified and authentic realtor that was reputable and found her! This review is not solicited; it is our honest review after four months of working with Yvette. BACKGROUND: - We were first-time home buyers in the Bay Area and needed a realtor with an experienced reputation. - We had a lot of questions and were very picky about finding a home; we did not want a house near a graveyard, school, and within earshot distance from a train. Yvette was very accommodating and patient with us in finding a home with these requirements and big-picture questions throughout the process. - We spent a few months touring homes with Yvette until we found one that met our standards and price range. - Yvette and her team helped us understand what was happening every step of the way. - This home purchase and escrow was completed before the National Association of Realtors July 2024 settlement on who pays buyer commissions. QUALITIES: - She had a high level of knowledge of the current housing market and the neighborhood we were interested in. - She frequently sent us great matches for what we were looking for. - She pointed out subtle things that we would have missed but were important for our decision process during home tours. - She was always flexible and available for home tours and phone calls. If she was not available for calls, she was very attentive through text messages. - She was strategic in setting and managing expectations on homes and the paperwork. - She was honest and transparent throughout the entire process. She treated the situation as if she were purchasing the property--she looked out for us and had our best interests in mind. - During the processes of the home search, bidding on homes, escrow and paperwork, moving into the home, and after moving into the home, Yvette was attentive and constantly checked in on us to ensure we were comfortable and informed. My family and I highly recommend Yvette Teng and her exceptional team. Home buying is incredibly stressful, but Yvette maintained a calm and confident mindset and kept our anxieties low. Her promptness, strategic mindset, positive energy, and knowledge of the market are why we will not hesitate to call Yvette when we are looking to buy again.

Yvette helped us buy a new home and sell our old one about three years ago, both in Hayward. And…read moreall in the course of a few months. Her work was amazing. From guiding us through the complex process and timing, to referring us to good contractors, to listening without judgement to our concerns along the way, to preparing our previous home for sale, this lady took care of business and got the job done everytime. Highly recommended.

Sam Forbes is the one you'd want to work with! He helped us from pre-approval to securing our…read moremortgage loan! I had a bunch of questions especially since it's my first time buying a home and he answered quickly without delay. He even helped us lock in at a superb rate despite all the volatile economy and rates. From the very beginning, we already established honest and transparent vibes. Sam is super cool and is absolutely willing to help you see it to the end. I can't recommend him more enough! Thanks so much team!!!

Oh my goodness, all I have to say is Jayshree is the best. My husband and I went to her to get a…read morequote. Within days we loved a home and put an offer, everything happened so quickly and Jayshree helped and guided us through every single step. I got to say, it is very stressful. But I called/texted Jayshree and she gave me positive and encouraging words..... that it made me be stress free afterwards. Thank you so so much for being there for us when we have questions. We are so happy in our new home! Wouldn't be here without you!

Very simple, quick process for HELOC application. 98 percent was done online ( both laptop and…read moreiPhone). The entire team from Fremont Bank worked very closely together. Start with Trevor Redmond, Reveline Velasco and Honeyleen Cramer, they led me thru the entire application process. Very efficient team to handle the process. On top of all the goods, signing (notary) is also very quick and easy. Banking side : Lindsay Horgan is awesome. Explained to me the online open account process If I need any HELOC help in the future, I will definitely come back to Fremont Bank. Thanks everyone.

I have a HELOC with Fremont Bank and have found working with the bank to be very frustrating. When…read moreI transfer money into my Fremont account to be able to pay my HELOC (Fremont is not my primary bank), the option to have the money transferred immediately for a $5 fee is presented as the default. No thanks, I plan ahead so don't need to expedite for a fee. But then I've had issues with the amount of time it takes them to process transfers. It will be up to 4 days after my primary bank has moved the funds before they appear in my Fremont account. And if you ever need to call customer service for help, forget about it. I've ended up talking to reps that are unhelpful and annoyed and who don't seem to have any agency to take care of even small issues. If I had to do it again, I'd choose a different bank.

Stella and her team are excellent at handling complicated scenarios. The most important thing in…read morethe loan process is knowing it can be closed on time. I was anxious that my situation might cause delays, but Stella not only ensured the loan closed on schedule--she made it happen weeks ahead of time. That was truly remarkable. Her team kept communication clear, prompt, and smooth throughout the process. I will definitely be a returning customer and highly recommend Stella and her team to everyone.

We worked with Stella Dai and her processing team for our primary home refinance from a 7/1 ARM to…read morea 30yr fixed loan, effectively lowering the rate by 0.375% (below 3%) I am thrilled to write this review for their outstanding work. I started looking into refinance early in August as the rate keeps dropping and would like to take Advantage of the low interest rate. A few banker friends referred a few brokers and Stella is among one of them. I work with all of them simultaneously requesting daily updates on the interest rate. I was aiming at a no point no cost low interest rate refinance for 30yrs fixed mortgage. This is hard to get because I wanted to prevent multiple hard credit inquiries with different lenders at the same time hoping the rate would drop lower. Without the hard credit inquiry one cannot locked the interest rate for the refinance. I missed a short window to lock the rate in August. Coming into September, Stella convinced me to have all documents ready and do the hard credit pull while waiting for the my target rate. The stock market tanked in early September and the opportunity emerged for the rate drop. On Sep 9th, target rate appeared and she informed me and decisively locked the rate for me for 30days and my refinance is closed with quicken loan(one of the lenders the broker works with) on Oct 5. I am very pleased because Stella and her team is on top of things and answered all my questions timely. Stella is also the expert at what she does and I felt confident my refinance would get done timely. I also felt so lucky to get the rate because the interest rate started recovering shortly after that with no sign of coming down. I highly recommend Stella and her team if you are considering refinance and I am sure they will help you find a solution you need. A few take away points: 1. Don't hesitate to lock the rate when the rate is within target 2. Have all the documents ready in the beginning when deciding to do refinance 3. Hard credit inquiry last for 60 days so plan accordingly

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.

AMG is the absolute best! Alan has about a million years of experience and is always so helpful in…read moreguiding the way on our re-fi's. We've used him for about 20 years to re-do our home loan several times and always know that we're getting a wonderful deal and caring service.

I used Toni D'india for my first home loan. She found me the…read morebest rate possible on my VA loan and also found out that the condo I was buying was mislabeled and was actually a Townhouse! To do this she had to dig for the original deed! Thank you Toni for all that you have done!