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.

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.

No stars... im looking to sue.. they screwed up my mortgage..didnt apply money correctly..fees all…read moreover the place..one was over 400 bucks... they sold my mortgage to rocket....well they are pulling the same shit...I have homeowners....since 2012...they claimed I didnt...and charged my account for "their" insurance... I told. Them repeatedly... spoke to some Indian guy on phone who said everything will be fixed... bullshit.

Wells Fargo is a horrible company who obviously doesn't care about their customers. They…read moretransferred us out to a scam company called shellpoint which I cannot make a payment! Does not recognize my loan number, can't get anyone on the phone? haven't been able to make a payment with wells or shellpoint. i'm behind on our loan with no one to take our money? tried to pay $6000. and no one would take my money? wtf

Nic was our Bank of America loan manager for our first house purchased by my wife. In few words,…read moreNic was excellent in his professional advice. He was responsive, transparent and clear in his communication, which are 3 very important characteristics that help in decisions like buying a home. We received his prompt responses till late nights which meant he was working hard and was still courteous. His help made us stick to BoFA. If we purchase a new house, we will definitely reach out to Nic first. Regards, Pekon

Nick helped us with closing our first home. He was very quick and responded whenever I made a call…read moreand answered my questions. If not available he promptly called at the earliest. Everything went smoothly except at the last moment there was an issue with the HoA's insurance limit. Unfortunately that delayed the closing by a week but that was something that Nick had no control as it was an issue with the HoA not meeting the California requirements. But Nick followed up with the BoA lending team and got it resolved within a week. He also helped us get one of the lowest rates compared to any other quotes we got. It was great working with Nick!

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!

Rachel was fantastic to work with in doing a refi for our home. She is organized, thorough and…read moreprofessional as well as kind which made all the difference. She was very perceptive with our concerns and gave concise explanations for all our questions. The loan process was complicated at times but Rachel was patient with us and understood our predicaments. Rachel helped us obtain the right loan package. My wife and I put our trust in her and she most definitely came through for us. We will certainly call Rachel for our next loan/refi and we will not hesitate to recommend her to our family and friends.

From the owner: Welcome to Rachel Loan Services! With years of experience, Rachel offers expert financing solutions…read morefor both residential and commercial clients. She provides a variety of mortgage options, VA loans, FHA loans, down payment assistance program for first time home buyers, adjustable-rate, and government-backed loans, to ensure a smooth home-buying process. To include but not limited to VA loans, FHA loans and first time home buyer. For businesses, Rachel offers customized commercial loans for real estate, start-ups, expansions, and refinancing, all with competitive rates and flexible terms. Her client-focused approach is based on trust, integrity, and exceptional service. Fluent in English and Mandarin Chinese, Rachel holds a Ph.D. in Business Planning and Organization Management. Let her help you achieve your financial goals with confidence.

I'm in Arizona and I knew what I wanted to achieve financially with a purchase of a very unique…read moreproperty would not be easy and that their would be challenges. After months of trying to find a Lender and Insurance Company in Arizona to assist me to no avail, I finally turned to friends in California who referred me to Cyrus. What a Gift what a Blessing. So, if you are looking for any type of Real Estate Financing from A to Z a team who can make the impossible, possible, then look no further. Cyrus and his amazing team are the most experienced, knowledgeable, trustworthy professionals that can help you achieve any and all of your financial real estate goals. Cyrus team has a mind set of No Problems, Only Solutions. They are not afraid of a challenge and are the most resourceful team I have ever come across. Communication skills are vital in this business and are time sensitive, a quality that all of his team members possess in spades. They listen, ask the right questions, they know when to e-mail you, text you and when to call. They don't waste your time and they don't drag their feet to get the job done. In my 30 years of personal real estate experience Cyrus and his team are the most result oriented team of professionals I have ever come across and that's the kind of professionals you want representing you. They give you all your options and they always do what's in your best interest not theirs. This is the only team of Real Estate Financial experts and professionals that I will ever use for any and all of my future real estate financial goals and I will continue to refer them to anyone and everyone who needs a winning team to help them achieve their Real Estate Financial goals and make the impossible, possible. Thank you Cyrus, Shahin Adeli, Cary Iaccino and Jennifer Lowe. Working with all of you has been by far one of the best and most rewarding financial experiences I have ever had. You and your team of Real Estate Financial Advisors are a team that can be trusted and truly understand the meaning of Customer Service who do not Over Promise and Under Deliver. What you achieved for me is priceless. Forever grateful.

Cyrus provide a good service he is trust mortgage broker. he always looking for best solution for…read moreclients

I worked with Ka-Yi in Bay Apex. I highly recommend her as she goes above and beyond for her…read moreservice. To help you see the difference, I will compare my experience with her with my typical experience. 1.) Quick: Closing process usually takes at least 1 month, and more so when you refinance. Ka-yi makes it happen in 2 weeks. 2.) Attentive: It usually takes a while for the lender to get back to you on questions, especially during crazy time like this where everyone is refinancing. Ka-yi stays very on top of things and she will respond to you quickly, sometimes even at weekends, or later in the evening. I appreciate the attentiveness. 3.) More choices: An advantage of working with her is she can give you several choices on lenders that work best with your situation, whereas individual banks dont give you much choice at all. Prior to making with Ka-yi, I have no idea about online lender and I am surprised at how quick, efficient, and much less fees compared to what a normal bank would charge me. 4.) Less fees: She genuinely helps you to save money and fees, which I find to be a very very rare quality in a lender. 5.) Honest and open: She breaks it down for you very well, and is very detailed. In the beginning, I didnt go for 30-year fixed, and she actually told me quite honestly if I am looking for 7/1 ARM I can find better rates elsewhere. You can't find a better and more honest lender to work with. I will def come back to Ka-yi if I have to refinance/purchase again.

Ka-Yi Ho was the agent helped me to get the loan for my new home. I was absolutely happy about the…read morewhole experience. It was really nice to work with her and she was very patient, professional and knowledgable. I heard a lot of stories about the pain in the loan process, including asking for ridiculous documents one or two days before closing date, saying close on time but actually can not make it. I did feel worried when the closing date was approaching. There seems to be some extra processes that need to be addressed because it's a newly constructed home, even the builder told me It will be a very challenging task for her. But Ka-Yi nailed it and did pretty nicely. She explained everything very well, even when it's very late at night or when she was on vocation. And yes we made it. Ka-Yi was there helping me whenever I had questions, and responded fast. Signing documents, lock rate, actively helping me pinging the lender, builder and Escrow, everything went pretty smoothly. Ka-Yi also helped me get a pretty decent rate. The lender she was working with was flexible, also react pretty fast too. I would give more than 5 stars if I can, and I feel lucky that I met Ka-Yi and asked for help on loan. I have referred her to one of my friends that is thinking about buying a new home, and I would definitely recommend Ka-Yi to anyone that needs a loan.

So Reunion saw my review and contacted me. They reiterated that my lock has expired and there's…read morenothing they could do, but they could assign a loan officer to work with me and see about starting a new but expedited process (since they already has my docs). They asked me if I would like to work with them and I said sure, so I was transferred to a loan officer; who said something about Fridays being bad timing so he would call me Monday and then we'd talk. Ok, sure. It's been more than two years and no phone call. Glad I wasn't holding my breath.

We locked in a rate for 2 mortgages, provided all of the documentation Reunion Mortgage requested,…read moreand the loans were approved. We signed the final papers, and on the day we were supposed to receive our funds, Reunion Mortgage changed their mind and cancelled the loans. Everyone we tell believes it was because we had locked in when the rates were the lowest, and now they are back up. If they had told us 2 months ago that they were not going to do our loans, we could have used another lender, but now it is too late.