My experience with Sheila and Kim left me only good things to say about them. They were very…read morehelpful, understanding, transparent, and patient. And helped my family and I make the impossible, possible. I am very happy and satisfied with my experience.

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!

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!

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.

Esther and team helped us again with our refi to help us lower our monthly payment. She proactively…read morereached out and made the process super smooth. She is communicative and on top of it. We love working with her and would do it again in a heartbeat!

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.

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.

I am so grateful for that Lillian as my loan agent. She is patient, professional and reliable with…read moreher job. Because of her , My family have achieved our American Dream. I strongly recommend Lillian as your loan agent for those who want their American Dreams come true.

Speak about personal service. Lilian is simply stupendous and absolutely dedicated to helping. She…read moreworks tirelessly to make sure that you get a loan that fits your budget. I recommend her highly.

Bob Bachman and his Team were phenomenal. I refinanced my property about a year and a half before…read morewhen rates were higher, and the process was a nightmare. The mortgage broker I'd used for decades took me and my business for granted and didn't seem to care about anything but my $$$. The escrow officer was exceptionally rude to me and it was a scramble to get it closed. I researched different brokers and discovered Bob. He couldn't have been nicer or more helpful. The system he has set up with his team is seamless. Everyone was responsive and easy to communicate with. Their online system is really easy to use. I have recommended him to both friends and family.

My experience was excellent. I referred my clients for…read moremortgage to buy a house. He did above and beyond his scope of service with loan processor Debbie Angulo. Thank you again Bob and Debbie for your professionalism!!!.

I have worked with Adrian when I purchased my home back in late 2023 and decided to work with him…read moreagain on the recent refinance. Adrian is very thorough and transparent with communication throughout both times and that takes the stress out of the process. He has a wealth of knowledge that he shares on any potential risks and opportunities with the (re)financing transactions. Overall, I am very satisfied working with Adrian and GR and would wholeheartedly recommend them for any transactions!

I'm so thankful for Adrian, for helping me through the home-buying process. He's always responsive,…read morehelpful, kind, and patient. Adrian helped explain every step in detail, and he helped reassure me throughout the entire process. I'm so glad to have had such an empathetic, knowledgable, and thoughtful person like Adrian and his co-workers at Guaranteed Rate. I agree with the other reviewers here; the process is complex and lengthy and difficult to navigate, especially as a first-time homebuyer. But, with Adrian, it was as low-stress as possible. Thanks, Adrian!

I worked with Ivy Zhang on the refinancing of my home in Bay Area. I didn't know this bank…read moreinitially so was a little doubtful. However, Ivy solved all my puzzles. She was extremely responsive and fast, and walked through everything together with me with great rate. I had a jumbo loan but still got the best rate I can found in the market. Also the whole process was finished in a month. I have done multiple refinancing due to the interest rate change in the market, but Ivy is the best, fastest, and most responsible banker!

Working with Carl, Suying, and Yao was an absolute pleasure. Even on Super Bowl weekend they were…read moreable to assist me with my loan needs! Furthermore, the process was crisp, organized and efficient which further enabled a pleasant experience!

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.