Avoid this company at all costs! The buyers of my home went through them and due to their…read morenegligence of assigning a loan officer that wasn't even licensed! Because of this, the closing date kept getting pushed back numerous times and cost me about 2k in hotel and extra days with the UHaul and also cost the sellers of the home I was buying about the same. They also never answer the phone for the main number they have listed. Can only leave a VM or send email. Very unprofessional! To top it off, when leaving a VM in the morning, the owner returns the call at midnight!

Very unprofessional manners of their realtors and loan officers. They screenshotted my text…read moremessages between me and my realtor and send that screenshot to their competitor to gossip about me doing price matching. I'm not sure if sending client's private message screenshot violates the Act of Privacy in real estate business but I'll take a look at how to report them for doing that. People please be ware do not text them for anything please call and talk because people here take your screenshot messages and send to other companies.

Franny and her team are amazing! They steered us in the right direction when we had no idea what…read morewe were doing. would recommend them as reliable trustworthy loan team!

I highly recommend Franny. She was really great to work with. Not only did she get me the lowest…read morerate of of the 4 mortgage brokers/lenders that I got quotes from but she was critical in allowing the escrow to close in less than 21 days. Franny had to jump over some last middle hurdles during escrow that put the loan at risk but she navigated that very smoothly. I also really appreciated the tools Franny shared with me to make all the closing costs clear, understandable and digestible. You can't go wrong in working with Franny!

I would really like to reach out and let Phillip Nelson know that he was great to work with and…read morevery knowledgeable and got the me the best possible deal on my refinance. He was very helpful and went above and beyond. Thanks Phillip

Susie is a very detailed agent. The best I have found…read more Honest & trustworthy as well as very pleasant. She handles any issues immediately or typically the same day & lets you know of any delays & why. Very pleased. I own many properties & have shopped this loan for 7 months she was the best of the best. My income & tax returns were a nightmare this year due to my wife's passing. She handled all of it always pleasant and helpful even when I got frustrated at times. Great job sweetheart. An admirer. John L

I had one of the worst experiences here working with a lender. I will not name her due to respect,…read morebut she was not very good in communicating or double checking every one works. The underwriter is horrible as well they made me write statements for the wrong amount about me paying my taxes. First of if you do not know what the closing cost will be then just telling me, I had other lender give me a list of what the fees will cost and this lady just said it could be 40k in closing cost. Now this is during the first conversation I had with them. My heart dropped already because 40k is a lot and that will cut into my home renovations. She kept emailing me about getting these files in right away or this will delay the process within barely the first 10 minutes. I had uploaded all docs within a few hours. At this point buying a new home is already stressful having her push me and talking about delays is putting more stress. She kept asking for more docs over and over. I would have hoped she had given me the list in the first place instead of asking me for the extra docs almost everyday. When I wired the money to my escrow she emails me back with why are you wiring money from an account we have not validated, this bank she was talking about was the bank of the escrow company not mine. Again not reading and putting more pressure on me. After a long 30 day process everything was completed and I get a call from her boss asking me about my experience which was horrible. She told me shes part time and she had over 11 loans to work on, this is not an excuse for bad service if she is over loaded then tell me and I would went with someone else. Fast forward to today. I now get another email from her about a document that I had already provided I'm sure shes lost from the 100s of documents she made me send and it would be easier for her to make me resend it then to look through everything. TIP: Make sure to get someone experienced, Ask them about the process. luckily my closing escrow was 30 days. If this was 17 days I would have been F'd.

Had terms agreed in writing with Lee Chieng. Uploaded all personal financial data within 24 hours…read more A ton of them, including W2 and tax returns. Lee Chieng emailed back: "sorry, we cannot offer you the deal we agreed. But you have choices! a) pay off $70K more of your loan, b) give us $1000 more for closing cost and a 0.125% higher interest." If you were me, which choice do you make? The third one: walk away and never trust them. I told Lee that I have multiple properties and I disclosed the exact number. And when I questioned why they walked away from their offer after I uploaded all financial data, her response was: "we have a pricing engine. We go by what the computer says". Then what do you do besides the computer, Lee?? My guess is that the market rate has changed in just a couple of days and they are walking away from the deal. This experience really leaves a bad taste in the mouth. Stay away from Adeline and the team. No apologies, no concession, nothing!

Stella and her team are excellent at handling complicated scenarios. The most important thing in…read morethe loan process is knowing it can be closed on time. I was anxious that my situation might cause delays, but Stella not only ensured the loan closed on schedule--she made it happen weeks ahead of time. That was truly remarkable. Her team kept communication clear, prompt, and smooth throughout the process. I will definitely be a returning customer and highly recommend Stella and her team to everyone.

We worked with Stella Dai and her processing team for our primary home refinance from a 7/1 ARM to…read morea 30yr fixed loan, effectively lowering the rate by 0.375% (below 3%) I am thrilled to write this review for their outstanding work. I started looking into refinance early in August as the rate keeps dropping and would like to take Advantage of the low interest rate. A few banker friends referred a few brokers and Stella is among one of them. I work with all of them simultaneously requesting daily updates on the interest rate. I was aiming at a no point no cost low interest rate refinance for 30yrs fixed mortgage. This is hard to get because I wanted to prevent multiple hard credit inquiries with different lenders at the same time hoping the rate would drop lower. Without the hard credit inquiry one cannot locked the interest rate for the refinance. I missed a short window to lock the rate in August. Coming into September, Stella convinced me to have all documents ready and do the hard credit pull while waiting for the my target rate. The stock market tanked in early September and the opportunity emerged for the rate drop. On Sep 9th, target rate appeared and she informed me and decisively locked the rate for me for 30days and my refinance is closed with quicken loan(one of the lenders the broker works with) on Oct 5. I am very pleased because Stella and her team is on top of things and answered all my questions timely. Stella is also the expert at what she does and I felt confident my refinance would get done timely. I also felt so lucky to get the rate because the interest rate started recovering shortly after that with no sign of coming down. I highly recommend Stella and her team if you are considering refinance and I am sure they will help you find a solution you need. A few take away points: 1. Don't hesitate to lock the rate when the rate is within target 2. Have all the documents ready in the beginning when deciding to do refinance 3. Hard credit inquiry last for 60 days so plan accordingly

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. 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.

Elisa really helped me repair my Credit. I had really poor credit. I am thankful that She knows…read moreexactly what to do to bring up the score because she has brought up my credit score to good credit. I had problems getting loans or even renting an apartment because of my credit. But thanks to Elisa now I know how to appreciate my credit. She provides excellent service. I am very satisfied with her assistance. I will recommend her to anyone that's looking to repair their credit.

When my tenant moved in in last year I didn't run their credit because they are a family friend of…read morea good friend of mine. And this year when I trying to do apply for an auto loan I got an extremely high APR, like almost 20% instead of around 4~5% where it should be. Apparently my tenants have a lot of debt and somehow one of their delinquent account got mixed up to my credit report, something I thought it'd be impossible to happen, but it did. I asked around on FB and one of my friend recommended these guys. While they're working on getting my error removed, they provided documents that I can show to my loan officer so they ended up giving me the 3.99% interest rate on my auto loan. My tenant is now one of their clients getting his credit repaired, he's thanking me every time he sees me because what a wonderful job Credit Repair 88 is doing for him. Highly recommended, call these guys if your credit is in trouble.

I recommend this place for someone who need alot of help cleaning up there Credit score Hazel is…read morevery good and very helpful.

Hazel knows her stuff. She has help allot of my clients and personal friends.read more