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.

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!

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.

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!

We have refied our original loan that Nelva helped us with, again through Nelva! Our…read morecircumstances were very difficult having had a short sale in our recent past. We found that other lenders were unable to deliver the kind of assistance we needed. Through Nelva and her underwriters, we were able to refinance our loan and get rid of our PMI in under a year. We called Nelva to see if she could help and naturally, it was a matter of a little investigation, but the criteria that needed to be met was rather easy for our particular situation. Nelva helped us through every step and explained anything we questioned. There was a little snafu in the end concerning closing costs. January 2015 regulations changed and the interpretation was vague. Allowing, it seemed, for lenders holding notes to request one thing and yet something else was suppose to be the rule. What ever the outcome was, Nelva held fast to what she told us, letting us know that if any extra cash was needed, her company would come to the table for us. WOW. Customer service at it's ultimate very best. Sticking by one's word is not the norm, especially in real estate. Excuses or exceptions are generally given. So needless to say and yet I'll say it anyway, Nelva and her company, Diversified Mortgage, are Extremely Honorable and Trust Worthy. If we find ourselves in the favorable position to refinance to a lower interest rate, Nelva is going to be the first person we call. Hands down, great job. Nelva Samiee is an asset and Diversified Mortgage is a fantastic company to do business with. So is the lender they set us up with. We couldn't be happier all the way around. Do you actually like making your mortgage payment? We do!

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.

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.

Extremely efficient and professional service ! This was my…read morefirst time using Vinay's services to refinance our home loan ,he was recommended by a good friend who had previously used his services . Vinay and his staff were always very friendly and helpful during and after our loan process. Vinay's attention to details helps the process to be seamless ,and his staff were extremely efficient by communicating what was needed to complete the loan process quickly.There were no surprises and we got the loan we were promised at the very beginning. I would highly recommend Vinay !

Easy to work with, responsive an efficient! Highly recommend him, he is not the one to push a…read moresale, rare to see folks like him.... Vinay thnaks !

if I could give more than five stars, I would in a heartbeat. You would be making a big mistake to…read moreuse anyone other than Brenda for a home loan. Brenda and her team are absolutely amazing. This is the fifth house I've purchased in my life and this was the first time I didn't panic during our loan underwriting. Outside of this experience, closing on time always felt like it was at risk. This time, we had 3 week close and actually closed a few days early. Brenda was extremely proactive, communicative, and responsive. We could not believe the seller went with us despite not come in with the highest offer. We were told through their agent one of the reasons they accepted our offer was because of Brenda's reputation. You can't ask for more than that

As first-time homebuyers, we couldn't have asked for a better experience than working with Brenda…read moreand her team. Brenda took the time to meet with us on multiple occasions, walking us through our mortgage options with patience and clarity. She even recommended a rate buy-down strategy which we successfully negotiated for the seller to cover. Thank you Brenda and team for making our first home purchase such a smooth and rewarding journey!

Best decision ever. So glad I switched over to Patrick and Team (Sasha) at Farmers. Would recommend…read moreto all family and friends.

Great guy. Consulted him on many different occasions and provided exceptional customer service! I…read moreHIGHLY recommend to anyone!!!