Great people. Money at reasonable rates when banks are not supporting your business growth.read more

Rosemary was one of two lenders recommended to us. After doing an initial screening of both…read morerecommended lenders, we knew right away that Rosemary was someone we wanted to work with. From the start, Rosemary was very responsive and provided us with a wealth of information. She knew her stuff and it was apparent. All our questions were answered directly and she never pushed us to make one decision over another. She gave us the facts and then gave us time to absorb the information while always being accessible for questions. Rosemary helped us through multiple offers and ultimately helped us find a loan option that worked best for us. We signed closing documents for our first home the same day we brought our newborn home from the hospital. We couldn't have done it without the support of Rosemary on our team. I highly recommend working with her for your mortgage needs!

We have used Spinner Mortgage a few times and have been treated so wonderfully, and professionally…read more Ted and Jodi are such a team! Correspondence back and forth is quick. They respond immediately and always have an answer to our questions. Very experienced and knowledgeable. I would never go anywhere else. There are a lot of brokers out there but Ted and Jodi will never disappoint. They will get you the best rate in town! Laura C

My wife & I worked with Carrie for a refinance as well as several different loan scenarios to…read morepurchase a new place. Throughout the process, Carrie was patient, competent, and quick to respond to the hundreds of questions we had. She was very clear about what she needed, and streamlined the whole process. Carrie was professional and made the process easy. In fact, our real estate agent said that one of our offers was really attractive, despite not being the highest, because Carrie made a great impression on the seller's agent. We really appreciate what Carrie did and will definitely work with her again.

I don't think that we would have got the home of our dreams in Alameda without Carrie…read more She helped us understand the market in Alameda and was a great partner in this (crazy) market to get our offer approved. Also, Carrie always makes herself available when you need to talk to her even though she is extremely busy with her work and life.

Mike was exceptional to work with! I was in the process of finding a lender and was referred to him…read moreby my real estate agent. I had been in communication with separate lenders through big banks, but due to the pandemic, their guidelines made it almost impossible to find a reasonable loan. I was almost ready to give up on the home mortgage loan application process, but Mike made this process go by with ease! Mike was efficient and extremely quick to respond to all of my questions via email. He was very organized with his checklist of documents needed to start the application process. As soon as my documents were submitted, he was able to find a lender who offered me exactly what I was looking for. The entire process went by quickly, as he was able to close in record time: three weeks! As an added bonus, Mike even covered the lender fee! I was very lucky to have had such a great experience with Mike as my broker! If you're in the market for buying a home and need a broker, please do not hesitate to contact Mike at Ascend Mortgage!

Mike helped me finance my current home years ago and has also handled two refinances for me. His…read morecommitment to service has always been top tier and I can't recommend Ascend Mortgage enough. One thing that really stands out to me is the great communication throughout the entire process. Thank you Mike and staff, always a pleasure!

I've been working with Dan (and his daughter) at Emerson Financial for five years, and they've been…read moreincredibly helpful. Dan advised me through the home-buying search then through the two-year wait to refinance. Dan consistently tracked market ups and downs, offering great advice on managing my loan and navigating the volatile market without losing my mind. He's not only friendly and incredibly smart, but he also provides just the right amount of detail without overwhelming me with financial jargon. His organized approach makes everything easy to understand, and I'm definitely looking forward to continuing our work together and recommending him to all of my friends.

Just got off the phone with Dan. Told him my situation, low credit score, let him know I had a…read moreoffer from a motgage company. He stayed on the phone with me for 10 minutes giving me financial advice and letting me know the loan quote I got from the other company was a good one. Thats honesty. Nothing to gain, but had no problem taking time out to give good financial advice. I will definitly refer Emerson Financial to my friends and family. Thank you Dan!

My husband and I worked with Eileen last year on our first single family home purchase. Knowing we…read morewere up against the toughest housing market in the country, we were thankful to have Eileen on our team. We started the process with her in May of 2016. Eileen's communication was clear and concise, making the complex process as smooth as possible. She was also accessible and responsive at all times and had everything prepared when presenting offers. An offer was accepted in November of 2016 on a beautiful home we never thought we would own in the Bay Area. She quickly guided us through the closing process and the endless paperwork. Although stressful, it was seamless and quick under Eileen. Most impressive of all, she was able to secure our loan in under thirty days due to a demanding seller. I absolutely recommend Eileen as she goes above and beyond for you. She will be there at every step of the home buying process and was even present at our escrow signing! I would definitely work with her again.

I am BACK to continue to sing the praises of Eileen!! She is truly the best!! Eileen has been with…read moreme since Day 1 of my home buying, selling, and now looking to buy again and I could not feel any more comfortable or safe... This market has been so overwhelming and Eileen has really helped me to see exactly what I can manage---She is reliable and very responsive all the time--I sometimes feel like I just need to send her a note to calm my nerves. Eileen is an expert in her field and goes out of her way for her clients. I recommend her to everyone I know!

This review is for Ken Hui. He has been our loan officer for the purchase of our 2 homes within the…read morepast 4 years. Ken went above and beyond to help us find the best solutions and interest rates for our complicated situation with the most recent purchase. He would lay out in details our loan situation and the alternative scenarios for us to consider. Ken helped us close our most recent home within 15 days flawlessly. If you are in a market for a trusted and dedicated loan officer, look no further than Ken Hui. He will ensure your are taken care of from beginning to end.

The review is for loan officer Lee Zhang. It was our first time buying a home, and we didn't have…read moremany connections in the Bay Area. When we were shopping around, he initially quoted us a lower interest rate compared to other loan officers, which led us to choose him for our loan application. However, by the time we closed, we ended up paying more than 1% higher than what we were initially promised. Additionally, throughout the entire process, I felt that Lee Zhang was manipulative and used tactics that made me uncomfortable. I felt judged and bullied whenever I questioned his decisions or didn't follow his advice. What's more, He asked me to sign an additional agreement that included a penalty if I paid off the loan early, which raised a red flag. This practice isn't even legal. I didn't realize it at the time, and I regret signing it. If you're in the market for a loan, I would recommend speaking with multiple loan officers and comparing offers right up until the last moment. Don't make your decision based solely on trust at the beginning. Ultimately, it's about money, so do your own research and keep comparing until the very end. What's more, it's unusual to see so many reviews that are either 5-star or 1-star. It raises suspicion that someone may be posting fake 5-star reviews to attract customers.

She's very professional. Very patient and very quick to respond. She will get the lowest rate for…read moreyou. She got me 6.375 for loan rate, which I think it's a pretty good deal. Highly recommend. She can speak mandarin, Cantonese, and English.

From the owner: As a direct lender, we're here to simplify your loan process. Our team offers unparalleled…read moreprofessionalism, competitive rates, and a diverse range of programs tailored to fit your unique needs. With our direct lending advantage, you get personalized service, faster approvals, and the flexibility you deserve. Our commitment to your success ensures a smooth, successful loan process. Choose us for a lending experience that's not just about transactions but about achieving your financial dreams. Your success is our guarantee.

Very kind and very honest. When I called her I was in a bad position and truly needed kindness and…read morehonesty. I had called multiple brokers trying to find a solution to my tangled financial situation. She wasn't able to help me, but dear Lord it was a relief to have someone give me a straightforward (and politely phrased!) "no" instead of all the double-talk I received from other sources. (Most of the brokers I contacted didn't even bother to call me back. She replied promptly and I am so grateful. Even if she couldn't help me, she was honest.) It's like what another reviewer said, she gives you straight answers even when the answers do not benefit her.

I have refinanced a number of times over the years so am not a newbie…read more Evelyn is very professional, responsive, caring and knowledgeable. She always gives you straight answers, even when the answers do not benefit her. She is a good advisor and definitely a problem solver. She has a variety of solutions from which to choose. I don't know about you, but these are the traits I want in an excellent mortgage broker.