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!

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!

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

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 had an amazing experience working with our real estate agent Leann Yang at Flyhomes. As a FTHB,…read morewe were very new to the home buying process. From day one, she was incredibly responsive answering our questions day and night and went above and beyond to help us find the right home. She not only explained the process but also made sure we understood and retained the information. She worked effortlessly to show us properties that matched our needs and stayed within our budget, all without ever making us feel pressured to settle for something we didn't want. We truly appreciated how she guided us through every step of the process, going above and beyond to explain each contract. She communicated clearly and consistently, not just with us but also with her team, our lender, and the seller's side. We were very impressed with her due diligence. Thanks to her organization and dedication. We were able to close in just 15 days with everything done on time and with care. Most importantly, she truly advocated for us. Whether it was negotiating or ensuring all our concerns were addressed, we always felt like she had our back. We're so grateful to have had her by our side during this new chapter in our lives and would highly recommend her to anyone looking to buy a home!

I worked with LeAnn as the agent on a recent deal where I was the lender for the buyer, and she was…read morefantastic to work with! Communication was 5-star and she always kept me updated and was super quick to respond. She even helped us gather what we needed so the buyer could clear to close in just 3 days. Truly a team player and made the whole process smooth. Highly recommend working with her!!!

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.

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.

Jay was excellent in helping us with a no cost refinance at the best rate possible!…read more He was proactive in reaching out to inform me of any favorable rate changes and was even able to help me float down the rate AFTER rate lock when I noticed there was a sudden big rate drop before we closed on the refinance. He was on top of things and communicative thought out the entire loan process. I would highly recommend him to any family or friends and would definitely goto him again for any mortgage loan needs!

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!

So I'm usually strictly a foodie restaurant yelper, but I occasionally post reviews when I get…read moreREALLY excellent service in random areas. Joe Lanam & team are hands down THE BEST in service... period. I'll admit, I'm not some fixer-upper-flipping-multi-mortgage-purchasing-real-estate-tycoon, so I wouldn't really consider myself an expert in dealing with different mortgage brokers, but simply put, customer service is KEY and Joe's team had the right key for this mortgage lock, baby!! What did they do right you ask? Well, let me count the ways: 1) regularly communicating the latest news not to just me, but the lender & seller as well (the seller/developer sales(wo)man even made a comment to me privately stating how easy Joe & team were to work with), 2) simplified the process of gathering necessary support documents to the point where my 4 year olds could've figured out what to do, 3) made me feel right at home... literally... it was like I was chit-chatting with my long-lost uncle about loans & the next steps & what could be done for me to gain the most benefits from Trust that my next home purchase will lead me right back to Joe and trust that you WON'T be sorry if you decide to give Mortgage Services a try.

We've used Mortgage Services for a number of mortgages and refinances since 1996. We worked a long…read moretime with David Marx, and when he retired, Peter Frankel. They are honest, hard-working, and get the best rates available, sometimes by a wide margin. Their fees are reasonable, and transparent. Most of all, they take away a lot of the massive detail of mortgage forms, so that you only need to provide the bare minimum information, which they wrap up into all the proper forms and applications. There have been times they pro-actively acted as interests dropped quickly, to secure better rates than we had already agreed. We can't recommend them highly enough - great company and great service!