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    Loan Factory - We Dare You to Compare

    5.0 (1 review)
    Open 6:00 am - 6:00 pm

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    Services - Loan Factory - We Dare You to Compare

    Mortgage services

    Mortgage refinancing

    Home purchase

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    2 years ago

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    Loan Factory - Thank you Scotsman Guide for honoring our CEO Thuan Nguyen as the #1 Originator in the U.S. in 2021.

    Loan Factory

    (140 reviews)

    East San Jose

    We attempted a home refinance with Loan Factory and worked with Arton Chau as our loan officer and…read moreAnder David Herrera as our processor. Our refi did have some unique circumstances given I was on maternity leave at the time and I wanted to give some grace for that, but the issues we had went far beyond a complicated refi. Additionally, when we decided to go with another company, the process was so smooth that it proved the situation never should have been viewed as that complicated to begin with. The main issues were: 1) Information would be asked for, we would provide that information, nothing would happen, we would ask questions then they would share they needed information that we had already provided that was right there in the same email thread. 2) The information they claimed to need from my employer kept escalating. They asked for a letter verifying I was still employed despite being on leave, my employer provided it, nothing happened, we checked on progress and they said we needed more. They asked to speak with my manager to simply confirm my employment, they didn't contact her for over a week, then they asked HR type questions she couldn't possibly answer. Then they claimed they just needed HR to confirm verbally that they had issued the letter, then they finally talked to HR and asked a bunch more questions. It was bizarre and honestly, my employer was apologizing to me by the end of it while I was apologizing to them. 3) They didn't care about official loan deadlines, because it seemed to be their plan to keep asking for extensions. We initiated everything on 9/8 and as of 10/17, past the 30 day mark, they were still "gathering information." Working with the company we ended up going with, we started with them on 10/21 and everything was completely wrapped up by 11/14. 4) When working with other loan officers I've had experience with, they will do things periodically on weekends or in the evenings as necessary to hit deadlines. This team seemed to never work weekends and at one point Ander went MIA for over a week of the process and was supposedly on vacation with no back-up. This wouldn't be a big deal if it were a longer process, but over a week out of 30 days is pretty extreme. From what I can tell, these people just aren't that skilled. They clearly have a big company and Factory is an apt name for it as I think they just get as much business as they can get, turn and burn, and don't really care about the service they are providing.

    Prefer ZERO STAR to this company. Erick Salmeron -loan…read moreofficer is very rude , and unprofessional, he will argue or scold at and THREATEN client for no reason. He would even scold someone who wasn't his client. ALTHOUGH THE CLIENT DOES NOTHING WRONG! Erick Salmeron will still scold or being rude to the person. WILL DEFINITELY NOT recommend Erick Salmeron or this company to others for doing any kind of business.

    John Zialcita - Loan Factory

    John Zialcita - Loan Factory

    (52 reviews)

    East San Jose

    John was not my mortgage consultant, but man... was he great to work with us through our closing…read moreprocess! My husband and I recently made a purchase and our mortgage consultant didn't know what the hell he was doing, two weeks in, he needed help from his manager where his manager could care less about us because he was retiring. The week of our closing day, I felt like we weren't going to close, so that's when I googled WF mortgage consultant in the Bay Area and John's name popped up and I had contacted him. Unlike our WF mortgage consultant who had lacked on communication, John was very informative; he'd give me a call in the evening after I had left him a voicemail message when he was driving home from work. He'd also give me a call during his lunch. During the closing process, we were frustrated with our mortgage consultant that I just wanted John to take over, but John reassured me that it was late in the process and I was better off just sticking with who I have (he was right, we just had to stay cool and positive). He also gave us the closing process steps of what we'll be expecting. John is patient, attentive, kind and smart. If you are with WF, immediately take your loan to him and have him process it. I hope corporate is reading this because John truly cares, even for a stranger like me who wasn't his client, but he took his time to make sure everything was A-OK! Thanks John! You're an awesome person.

    I've worked with John for the past 2 years on home mortgages and came with high recommendations…read morefrom an agent I was working with at the time. John is very responsive, communicates clearly and his team is very on-the-ball. Often times, I get reminder emails and phone calls from his team to speed along the loan process. His team is also very responsive. When in a pinch and I need even better information, I can always count on calling John and he'll get back to me as soon as he's available. It's been a joy to work with John and I've recommended him to my friends and family.

    Loan Simple - Taking my team out to lunch after our meeting/training.

    Loan Simple

    (10 reviews)

    East San Jose

    I worked with Houston, the branch manager for my first home loan. I must say that i couldn't have…read morepurchased a house in this competitive market without Houston and my agent. Houston and his staff are professional and knowledgeable about home loans. Above all, Houston has a lot of empathy for his customers and he goes out of the way to make things happen especially for a first time home buyer like me. I highly recommend him and Gold star mortgage to prospective home buyers.

    Avoid going to this lender. They are very careless and unprofessional. They made me…read morelose almost 10 thousand dollars for having me remove a loan contingency. Turns out I didn't even get approved for the loan. Thanks a lot Loan Simple for that slap in the face. I m a first time home buyer and I trusted you to help me buy my home. Not only did I not get the house I also lost almost 10 grand of my hard earned cash to the buyer because someone wasn't following procedures. Next time if anyone ever goes here be sure to be cautious and make sure they have your loan approved before they have you remove the contingency. You will lose your deposit money like I did. This place deserves a negative 5 stars. If you value your hard earn money go to the real professionals not these people. I m not even sure they have their license. Jeannie's name was on all my paperwork that they handled for me. She had her assistant Tammy handle my loan. I did my research on Tammy and found out she has no license. I found this out on Zillow . On her profile it says license to work in no states. That means she's not licensed to do loans. Avoid this place as much as you can.

    Express Real Estate and Mortgage

    Express Real Estate and Mortgage

    (8 reviews)

    East San Jose

    Tony, Bruce, and the team at Express are extremely professional. In every instance, they were…read morealways a step ahead of the process, making every step seamless and painless.  Any questions that I had were answered in mere minutes and the team was always available to help me understand the process. I came out of this viewing Tony and Bruce as a friend who always had me and my family's interests in mind. Rest assured Tony and Bruce go above and beyond to assist their clients. I would recommend anyone to reach out to them!  They will provide clarity to the process and make sure you understand every step along the way.

    For anyone running a business you know first hand that service and transparency is IMPORTANT…read more Service - Early is on time, on time is late and late is unheard off. That's the service I got when we came seeking Bruce. What he can do hell try and what he can't he'll use his network to better service the people. Plus his smile cool Transparency - seems to be dead now a day and I don't understand why! I mean for my last realtor little shit keeps popping up everyday and it's dreadful. I dislike that a lot when it come to getting the right loan, right team for my home. Bruce and his team did a wonderful job keeping my wife and I in the loop and no unexpected surprises! Overall I hope Bruce and his Team don't change their way of business and keep pushing it for the people! Warm regards, Hieu Tran the INSURANCE MAN

    Loan Factory - We Dare You to Compare - mortgagelenders - Updated June 2026

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