First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.

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.

Guarantee Mortgage has been around for many years. They have a basic easy to comprehend website. It…read morelets you know in northern california their offices are spread out and discusses the type of programs available to potential clients. They are a good lender to work with. I have worked with them in the past and found them to be a useful tool.

Julie is amazing. When buying our first home together, we initially planned to use our bank, but…read moreour realtor recommended her. After speaking with both Julie and our bank at length, it was apparent who to choose, and we never second guessed ourselves. Julie was very thorough and helpful throughout the process, managing to explain all of the steps, while not over burdening you. She makes sure to focus you on the important / sensitive items and ensures nothing is missed. Julie communicated everything well along the way, and was available for any questions that arose. We easily closed our home in the agreed 21 day timeframe, and the loan was actually ready to close early if we wanted. And of course, she got us a great rate too! If buying another home, we will definitely use Julie again and strongly recommend.

Joy has been in the business for a long time and knows a lot about the Real Estate market. We sold…read morea home out of state and had several questions regarding the paperwork. She reviewed the contract with us and walked us through the process. She was able to answer all of our concerns and gave us great advice on questions to ask our realtor. She made us feel comfortable with the process. She has a lot of confidence and knowledge about the business and makes her customer feel like the number one priority.

We feel so grateful to have found Joy Hitzeman. With Joy's help we found our cute little home…read morealong the coast! Joy is such a hardworking professional who makes her client her top priority. We appreciated her keeping us informed via text and emails the whole way through to the close of escrow. Joy is such an amazing person, so positive and cheerful; always listening to her client's needs. During negotiations she comforted me several times with a reassuring text message. We whole heartedly recommend Joy Hitzeman for all your real estate needs. C and GM

Jon is as professional, knowledgable, and kind as they come. Great intimate knowledge of different…read moreneighborhoods, tied in with the Pacifica (and more) community, and a pleasure to work with. Jon was the entire reason we found our dream home after a long search - can't recommend enough! Jon spent a couple of months with us, found us the right place, and did everything he could to make sure we got it. And we did!

Most honest and hard working realtor I have ever worked with. Property management is not my…read morefavorite aspect of owning rental property but Jon has helped me prep properties and screen tenants. I will be sure to use him when I'm ready to sell my property.

We were lucky enough to land Daniel Smith as we embarked on a housing search in Pacifica, CA…read more As he is local to the area, he has immense knowledge of the Pacifica market. We hit on our second outbound offer through Daniel. His market knowledge was spot on - each house went for the exact range that he shared with us. He was able to show us a wide array of houses for our price point. We ended up landing the best fit for us and couldn't be more thrilled. We were able to operate in today's market through strong organization, communication, and speed. Daniel worked effectively within our limited bandwidth to see houses and we were able to close in less than a month of viewing houses. Our luck didn't stop there, as he has had great contacts for lenders, insurance companies, electricians and more tailored to our Pacifica home. I highly recommend working with Daniel, if given the opportunity in the Peninsula or San Francisco markets.

Daniel was terrific to work with. He knows his market very well. He listened carefully to what we…read morewere seeking and did a great job with appropriate recommendations and guidance. We do not live where we were looking and he seemed happy to walk us through a number of properties in video calls. When we got to y he point of making an offer, he provided sound guidance there as well.

Nick and Justin were truly exemplary. I am grateful for their professionalism and dedicated…read moreapproach in helping us seal the deal for our dream house. The quality of effort and the amount of time they put into guiding me & my family throughout the entire process was incredible. Thus, making our journey of purchasing within San Francisco uncomplicated & serene. I really appreciate that they made sure that we understand every step of the process (they answered all our inquiries & concerns with clarity) alongside with thoroughly accommodating the necessary details that we want to come along with the property. The inspections- visiting the property and the possible issues we may encounter along were discussed & taken care of, making sure that we get the best out of our money.  Working with them was such a bliss! Me & my family are filled with gratitude for the unparalled labor they put unto this transaction. I highly endorse them to those who are in search for a superb, reliable, and an easy-going real estate services. You won't regret it.

Nick was extremely helpful during my home buying process. He made himself readily available to…read moreanswer any questions I had, schedule multiple viewings, and meet with me to go over everything I needed once we were in the escrow process. He listened and noted all the things I was looking for in a dream home. From there, he would send me listings of homes that he felt would be a good fit based on what I was looking for. He took care of setting all the appointments and was the middle person between me and the sellers. He also made sure the homes he sent over were in a safe neighborhood. He stayed on top of all deadlines and helped me map out everything I would need to make the closing process as simple and streamlined as possible. Thanks to Nick, I found my dream home and what normally is a stressful process, was actually fun and easy.