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!

Look no further, Adam is your guy! From a first-time home buyer perspective, it's hard to decide on…read morea loan officer/broker because you don't really know what to expect. But Adam exceeded our expectations and has been a tremendous help for us. We were introduced through referral via our agent and we are so grateful for the opportunity to cross paths with him. He is an EXCEPTIONAL loan officer/broker and we couldn't be happier with his service. We had a lot of questions regarding the process and were searching at a time where rates were extremely challenging, but Adam helped us find an incredible low rate, which made purchasing a home possible. We shopped around, and trust us, you cannot beat his rates! He is straight forward, honest, demystified all things mortgage/lending, and was razor sharp the whole time. With his support, we closed fast, smoothly, efficiently and he made sure it was painless. We had a planned week trip during our closing period, and he made sure we had everything in place and communicated well so that we didn't have to worry. He puts his clients first and is responsive. Something we did not realize while purchasing our home was how an optimized portal makes a difference in the process. Adam's portal was easy to navigate and user friendly compared to other platforms. He's always one step ahead, which gave us a competitive edge to secure a home. We will be using him again when we refinance and have full confidence recommending him to everyone we know. Can't recommend Adam enough!

I wish we could give 10 stars. Our experience was off the charts. Extremely professional but also…read moresuper friendly, knowledgeable, efficient and incredibly responsive. We highly recommend Adam and his team and will be back ourselves, we were truly impressed!

Norma is absolutely awesome. She listened to all of our concerns and addressed each one…read morethoughtfully. She knows her stuff and can explain situations to people very well. Mortgage lending can be painfully confusing with all of the programs, qualifications, and various factors involved, but Norma made everything easy to understand. The most important thing for us is that Norma was HONEST! She didn't mess around with pipe dream promises, but told us exactly where we stand. She is all about ethics and not putting buyers in a precarious position come closing time. I thank Norma for her time, patience, and willingness to work with me and I absolutely recommend her if you are looking for a spectacular lender.

This review is looong overdue but nonetheless it's here. I used Norma @ 2017 on a time sensitive…read morehome refinance. She and her assistant helped me thoroughly, meticulously, and swiftly in time for the court ordered last day to get my home refinanced. My situation is pretty complicated. I was so stressed juggling work, kids and family court issues and Norma helped ease the transition. She is also quick to respond with any emails/ inquiries even after the refi. You wont be left hanging. Thanks Norma!

Lucky, Scott and their whole team is wonderful !!…read more I've worked with them for new house purchase as well as the refinance and had very pleasant experience working with them. They are very knowledgeable, professional and helpful. They kept me informed during the entire process. I would definitely recommend them for anyone looking for buying a home or refinancing existing loan.

I was very lucky to have found Scott Wise and team. Scott promised me an incredibly low rate and no…read morecost refinance and he ended up delivering the same promised rate at an even lower cost (I got paid to refinance due to lender credit). I highly recommend Scott and his team to everyone. Extremely professional, fast and transparent.

Corinne came highly recommend by several family members and she is truly amazing! She is…read moreprofessional, extremely knowledgeable and a pleasure to work with. She went above and beyond to make sure we got into our new place in Manteca, after our first offer on our old home fell through. She basically had two loans ready to go--one at 20% down and a second at 5%, in case our old home's sale didn't fund in time. She worked with my agents and the title companies to coordinate everything for us and helped us fund on time. We saved thousands of dollars on our new loan because of her efforts. I can't thank Corinne enough and recommend her highly.

Corinne is a very collected patient person. We have been trying to figure out how much we can…read moreafford to buy a house for and what the mortgage is going to look like. Every time we like a house, we make an appointment with her and she accommodates and makes us a whole plan with different scenarios. I like the fact that she always is willing to err or the side of worse case scenario, cause if you can afford that you really can afford this house. She will email us forms and sheets to help us figure out things on our own too. We like Corinne

I've got nothing but rave reviews for Mike and his team. They have handled a mortgage and 3…read morerefinances for me and my family. In fact, my dad was in the middle of a very slow refinance and Mike was able to get him out of it - at a better rate - and still closed faster than the original. They are extremely communicative, organized, well priced, and they will go out of there way to ensure every question is answered. I recommend them to everyone I know and will use them again if the opportunity arises. This seems like a paid review but I promise it's not. Use them, you will not regret it.

Mike and his team have been tremendously helpful in getting my mortgage refinanced. They are…read moreresponsive, and fight for you for the entire process, no matter how many complications. Like an idiot I purchased a new car in the process of refinancing not thinking how it would affect my debt-to-income ratio. Despite throwing this wrench into the works, Mike's team kept everything moving and still closed the deal with even better financials than originally expected. Cannot recommend any higher.

This bank & this branch specifically is fantastic. I only wish I could give 10 stars instead of…read moreonly 5. The level of customer service I received from both Gary and Gina at this branch was of a caliber I would only anticipate being able to access with extraordinary dollar volumes. They offered me the kind of personal care, attention and genuine concrete help that even the most prestigious banking client would be happy to pay for. Both Gary and Gina went above and beyond to make sure I was able to close on an out of state property in a timely fashion. Due to errors on my end, the funds were not scheduled to be available until a week after the scheduled close. But thanks to the pro-active follow-up of both Gary & Gina in manually coordinating efforts with their back office and the institution from where the funds were coming from, the funds were released so that I was able to close timely. I am truly grateful for their excellent service. I HIGHLY recommend this bank and this branch!

I made the mistake of trusting Fremont Bank for personal savings. Several staff told me I qualified…read morefor a promotional interest rate and then strung me along for weeks as I opened and funded an account. A week later a banker informed me she had finally applied the interest rate, but the following week, still no rate and I was left calling in again to get information. The banker finally called and informed me I never qualified for the promotional rate. No apology, no we made a mistake, just go bank somewhere else. A follow-up complaint to a manager produced no result. This combination of sloppy work and miserable customer service has caused me mainly great frustration, but for others it could be financially costly.

I was recently inspired to find a new bank, (if you know what I mean.) So I went directly across…read morethe street and found much of the same. With fewer and fewer options within the retail banking market, I realized there are not as many big names there once was. Then it dawned on me, my wife does her banking at Patelco. Personal finance can be broken down in one sentence. "Poor people spend their money and save what's left and Rich people save their money and spend what's left." They Staff at Patelco Understand That It Is My Deposits That Facilitate Their Revenue Stream. The level of professionalism the staff conducted themselves with was as refreshing as the complimentary cup of coffee. My hope is that this message get the attention of some other folks that manage businesses, and that they are encouraged to STEP UP THIER GAME, and not just engage in a competition of less for more when it comes to their competitors. I have a feeling that this will be a long and prosperous relationship. As of now, Patelco in Livermore has my endorsement.

Justin Davies was very welcoming and informative! Its a nice place with great people and great…read moreservice

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.

Daniel was a huge reason why I love my car. He's very nice and super easy to talk to. He gets my…read morehighest recommendation!

Every time I speak with anyone from this branch, they are more than accommodating and kind. I…read morereally enjoy using their services.