Tuan and Mike at Providential Mortgage made buying our first home an exceptional experience. From day 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. read more

After speaking with a few lenders, I reached out to Providential and it was immediately clear that Tuan 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. read more

Tuan and his team made the whole process so quick and smooth. This is our first time buying a house. There was a lot of unknowns to us, but Tuan made sure to explain clearly to us every step of the way. His communication was excellent; he was quick to respond and made sure you understand every decision. I would love to work with him and his team again in the future. I would recommend his service to anyone looking for a mortgage. You will not regret going with him and his company. read more

I can't say enough good things about Tuan and his team. As a first-time home buyer, my husband and I have no idea of where to start and what to do; however, with the expert guidance and unwavering support, Tuan made the entire loan process feel effortless. They communicated clearly every step of the way, explaining rate options, closing costs, and timelines. I highly recommend Tuan and his team to anyone seeking a knowledgeable, dependable partner in the mortgage process. read more

Tuan and Mike were absolutely amazing to work with!! Tuan was always available to answer questions and break down the process for us.

Update in 2024: I'm a return customer! Tuan and his team continue to deliver the same incredible service that impressed me back in 2018. Tuan consistently helps manage expectations while guiding you to make decisions in your best interest -- always prioritizing your needs above his own. Guess who I'm calling the next time I need a loan? Guess who I'll be recommending to anyone looking to buy a home? read more

Tuan and his team at Providential Mortgage went absolutely above and beyond for us from start to finish while we purchased our very first home. They made it very easy and was very professional. He was available any and every time we needed him, no matter what questions we had. I highly recommend him and his team. Thank you again Tuan, Mike and Danielle over at Providential Mortgage. read more

HIGHLY RECOMMEND for all your refinancing and mortgage loan needs. Oh..Where do I begin...This review is sooo seriously overdue! I swore I had written one way back when - whoops! Didn't stop me from recommending them to my friends and family through the years and they were all extremely happy from start to end with Providential Mortgage! I've been going back and forth with Tuan for the last decade (as we've been looking on and off that long) and not once did Tuan ever make me feel like I was wasting his time. I definitely had LOTS of questions through the years and whether it was a simple call, or me sending an email, Tuan always answered my random inquiries. Tuan and his team are true professionals - Highly responsive, extremely knowledgeable, very efficient yet personable. They have been doing this for 20 years (without aging)! In this crazy world of high value home loans (especially in California) , you want a team you can TRUST, IS fully transparent and 100% honest whether it's good news or bad. Tuan has always given it to me straight and I am forever grateful to know what all of my options are. I believe they had my interest at heart and I wasn't just another client to them. Tuan and the Providential Team (Danielle/Mike) are all exceptional and aaammmmazzzzzing people. They are professional, treat you seriously like family and are on top of their game like no other. Call them for yourself, save their contacts and when you are ready to refinance or are in the market to buy a property, these guys will not let you down! You will NOT be disappointed! Thank you so very much PM Fam/Team! Look forward to working with you guys again in the near future!!! read more

Awesome experience working with Tuan and his team. Very thorough throughout the entire process. Diligent end to end making sure we were able to get loan processed. Will definitely recommend and be happy to work with again. read more

Tuan and his team made things really easy! Even though this isn't my first loan, it's still a confusing process and I appreciate the patience they had with me in explaining the timeframe and process. Danielle & Tuan would email/text/call within a few hours if not less when I emailed/texted with a question. They took the time after my work hours (6pm) and were available all night if I wanted to speak/ask a question. I really appreciate the "above and beyond". The customer service they provided will keep them in my books for the next refinance or loan. Thanks guys! And I didn't forget about you, Mike :) read more

Tuan was referred to me by a colleague and I quickly learned he is one of the most honest and reliable lenders I've spoken to. Tuan quoted me almost a full 1% off the current rate, his team was impeccable and responsive. I wasn't able to switch lenders as I was currently locked in with another lender but Tuan was more then happy to help me and guide me through the process more then my current lender did. I will only work with Tuan moving forward, I'm happy to of found a lender I can trust. read more

In choosing Providential Mortgage as my mortgage broker, I could not have made a better decision as a First Time Home Buyer. Tuan and his team are very professional, knowledgable, patient and guides you through every step of the process. They are very responsive not just to your questions and concerns, but also to any other party that you're involved with, in the entire home buying process. I can't stress the importance of having not just a knowledgable loan officer who puts your interests first, but also someone who works seamlessly with all other parties involved in the transaction. I highly recommend Tuan and Team. Exceptional Service. read more

We worked with Danielle at Providential recently for a mortgage to buy a new home. I cannot recommend her enough. She's extremely responsive, which was critical given how fast we needed to move to be the winning bid in this market, including closing in 21 days. I also appreciated that she took the time to explain everything to us, sometimes more than once, so that there were no surprises -- really making the process easier than we'd anticipated. Once we got into the purchase and paperwork mode, she really helped keep us on top of that so that we stayed on schedule. Again, I highly recommend Danielle. She was one of the key people on our team that made buying our dream house possible. read more

We highly recommend Danielle! We worked with her to purchase our first home. She is patient, responsive, fast, and detail-oriented. But most importantly, we felt that she was on our side and working with us closely the whole time. She considered all situations for us and worked at the speed we needed. In addition, she answered questions and provided insights even outside of her general services. We were able to close on a house in 15 days, and she was the one connecting the dots and communicated with me frequently. We were fortunate to have her. Our realtor, who has been in the industry for many years, agreed and would recommend Danielle to his clients. I would give Danielle 6 stars if I could! read more

Tuan is a great problem solver! He and his team(Mike, Danielle) made my loan process so smooth even though there were obstacles, Tuan went above and beyond to find solutions to the problems and close my loan very quickly. Tuan and his team are always on top of the things and answers all of the questions (Even a silly question) very clearly with great patience and in detail. Tuan helped me in every step through out the loan process starting from pre-approval to full approval and always assuring. Tuan and his team are extremely knowledgeable, excellent problem solvers, very professional, proactive, rocket speed responses, effective communication, tons of patience, good advises when asked, transparent and overall excellent services. I am glad I found such a great team to work with! I would highly recommend for any of your home purchases/refinance needs! Thanks Tuan (Mike and Danielle) for all you do! read more

Tuan, Mike and Danielle are an amazing team. Our refinance was not an easy one because I'm an independent contractor but Tuan and his team handled everything lightening fast and as true professionals. This group is responsive, capable and transparent. Genuinely nice people as well. We are so grateful to have found providential mortgage! read more

Tuan is amazing!! So is his team!!! *They are HONEST!! *They do exactly what they say they will do! *They work hard to get you the best rate possible. *They answer emails, requests, questions quickly and thoroughly. *They keep you informed of the process, EVERY STEP OF THE WAY. *They explain everything in detail, so us that are not in real estate, can understand. *They give you sage advice, from obviously years of know-how in the business. *They ask questions and LISTEN, so they can do their best for you. *You can rest at ease, knowing you're in very good hands! *They even offer their services to you in the future (though it will not benefit them or their company) I was a little nervous reaching out to a mortgage company by yelp, I always went with referrals from family/friends. When that did not turn out so well, I searched for a company that had the best reviews. I will NEVER regret my choice with Tuan and his team. They deserve 10 stars, but I can only give them 5. You can rest at ease with this company. They are WONDERFUL!!!! Tuan & Team.. you have a customer for life. Thank you so much, Tuan, Mike, and Danielle!!! read more

We thoroughly enjoyed our experience with Tuan and team. We can't recommend them enough. Being first-time home buyers we didn't know what to expect but Providential Mortgage made the experience seamless without any surprises. Tuan is honest, professional, and is extremely responsive. His team was so easy to work. They definitely keep you informed and has your best interest in mind. We can't thank them enough and we will definitely continue to work with them in the future! read more

With the recent drop in refinancing rates, we reached out to several companies to refinance our home. Tuan's rate was competitive but that was not why I went to him. I went to Tuan because of his prompt, professional responses. He does not waste you or his own time, he will be straight forward to let you know what's the best for you even if he does not get your business. I was constantly receiving updates via email from his team and text, their excellent service deserves 5 stars, any time. Thank you Tuan, Mike, & Danielle! Amazing team! read more

Tuan and his team at Providential Mortgage were referred to us by our realtor, Omar Murillo. I had originally applied for a pre-approval with Stanford Federal Credit Union because they have a relationship with my employer. Even though the rates between the two were identical, we ended up going with Tuan and Providential Mortgage, and here's why: 1. Our realtor mentioned that Providential Mortgage is well known in the area and can make a difference in a competitive market. 2. From the first point of contact, Tuan proved why he has the good reputation he does. He was quick to respond, straightforward, and trustworthy. 3. We were constantly updated throughout our loan process. I never once had to follow-up. 4. He obtained a fully underwritten pre-approval for us and when he found out that we had submitted an offer, he personally called the listing agent to explain how qualified we were as buyers (the truth). 5. He was on top of it throughout the process. 6. There was no excessive back and forth with the documents that were requested during our loan process. Just to give you an idea of how quickly this process went, our offer was accepted on July 14th and we closed escrow on August 1st. We received or keys on August 2nd. It possibly would have closed even sooner, except that we were out of town for almost 5 days as the lender was waiting on some additional documentation. This was the most painless loan approval process we've gone through (we used Stearns for our first home and Provident Funding for our refinance). I was thoroughly impressed by Tuan and Mike and would highly recommend them to friends and family alike! If you're looking for a mortgage broker in the Tri-City area, look no further! You will not be disappointed. read more

Providential Mortgage - Our brand new home, thanks to Tuan and Providential Mortgage! - Mortgage Brokers Near Me - Fremont, California

Tuan and his team were great from the start until the end of the refinancing process. They were organized, quick to respond with any concerns we had, and I appreciated the texts they sent after any documents/information they needed from us. They came highly recommended by our friend and we will definitely use them again should we need their services. read more

Decided to check the rates at Providential Mortgage, which my relative uses. Fast response, quickly clarified my issues, very very good rates, and signing moved quick. Emailed them October 1. Everything was finalized by October 20. Highly recommended! I was having trouble refinancing with Rocket Mortgage (my mortgage broker) because I'm recently self-employed and do not have 2 years history of business income. Rocket said I can find a cosigner, which I eventually did but then someone else would tell me one thing different from another Rocket employee. The main person at Rocket supposedly helping me was slow at responding and at some point eventually stopped replying. Most annoying part is they don't seem to take notes about my case. People from Rocket would keep calling me almost every week about refinancing and each time I would tell them my case about self-employment! Very happy to have a much better experience with Providential Mortgage and Tuan's team. read more

I must admit that, after 50+ years in real estate, I am always a bit skeptical about out of town anythings. Typically calls are not returned remotely promptly & service in general lackluster at best. But old dogs can learn & Tuan was fantastic. One couldn't ask for better communication and service. You too will be pleased!! Ned Tompkins Ned Tompkins Realtor Folsom, CA, covering Sacramento & parts of Placer/El Dorado/Yolo counties 916-812-4NED (4633) read more

Who buys a house during a pandemic? Moreover, who helps you buy your first house during a pandemic with ease, answers all your questions, and assures you every step of the way? Tuan, that's who. Between me being notoriously picky and the Bay Area's red hot housing marking, we have been working trying to buy a home for over two years. Throughout that time, Tuan made sure to get me qualified, hook me up with the right loan, and lock me into a good rate. Even when I caused a bump during the process, Tuan was there to work out any issues. He is efficient, straightforward, and kind, the exact person you want on your side when making such a huge purchase for the first time. Thank you, Tuan, for a smooth ride to homeownership! read more

Where do I even start.... If there was an option for 10 stars on Yelp I would hit it twice!! My best friend referred us to Providential Mortgage and told us that Tuan and his team could close our loan in 14 days. (Yes I said 14 days). This was my fiance and I first home and had no experience in the process. Tuan and Mike made us feel so at ease with everything even with our hectic work schedule. They where so professional and not once did they tell us there was a problem with your loan. Everyday we got updates and the status of are loan which made us feel even better. I would definitely refer anyone and choose Taun and Mike again in the future. And the icing on the cake was that we closed our loan in 13 days !!! Thank you Tuan and Mike you guys are amazing!!! read more

Providential Mortgage - Mortgage Brokers Near Me - Fremont, California

I had a really positive experience working with Tuan, Danielle, and their team. The experience of buying my first home was exciting but also a daunting one. Especially when you have to trust your gut and complete strangers through Yelp reviews. I was initially working with another company that also had very good Yelp reviews but as a matter of fact, is that they didn't have the best rates like what they claimed. Like the majority of first-time home buyers, you want to pick a good lender that not only gives you a good rate but is also patient in answering simple home buying questions; questions that are probably very common for a lender or anyone in the real-estate business. Sometimes people work with people who feel that it's ok to ask any questions, simple or tough. I'm so glad I picked Tuan and his team on this. Not only did they give me a good rate at the time of purchase, but they were also very informative and communicative. They basically held my hand throughout this process! I had countless questions thrown at them at random times and days of the week, and they have always been very patient to explain and guide me through the process. Not only are they quick in closing, but they also work well with my realtor who also says they are very responsive and on top of things. I love that. I'm pretty certain I will look for Tuan and his team when it is time to refinance! If you are in the market for a reliable, honest, patient lender, give Providential Mortgage a try. Thanks, Tuan, Danielle, and the team! read more

Tuan is the best. Hands down. I first met Tuan 4 years ago when i was buying a home in the Bay. Very knowledgeable, thorough, efficient, and extremely personable. He helped me close my loan when I bought my home 4 years ago and just got me through a refinance in a matter of a couple weeks. Thank you for helping me out on no-notice and taking care of me again. And of course, a big shout out to Mike and Danielle on the team. Thank you all for your work in making this as quick, smooth, and painless as possible. You guys are great! Stay safe! -Dan read more

Tuan and his team mates were really good at advising and giving us a best deal there was on our new purchase home. I was really glad how they went above and beyond to help us in every possible way to get what we needed for our new home loans. read more

Tuan and his team came highly recommended by our agent, and I'm so glad that was the case. As a first-time homebuyer, I was new to the entire process, but Tuan, Mike, and Danielle were very patient and extremely communicative through the entire cycle. Everything throughout the loan process went extremely smoothly and with a lot of over-communication, from the initial pre-approval step to the final days of closing. Tuan and team were great advisors and advocates as well, helping us save real closing cost dollars. I also believe having Providential Mortgage and their backing made our offers stand out as stronger to sellers in the current market. Thank you Tuan and team for all you do - look forward to working with you again! read more

I had the best experience working with Tuan and his team (Danielle and Mike). They are all professional, responsive, knowledgeable, and extremely helpful. I have had a bad experience with a refinance but this team delivered a no-fee loan in record time with minimal work on my side. The process was easy and smooth and no surprises. I am so thankful to have worked with this team and I look forward to many more loans together. read more

We had the chance to work with Tuan and Mike from Providential Mortgage and the experience was truly awesome. We are a first time buyer in bay area and the hot market really scared us, but Tuan was super easy to work with, nice and patient, explained everything that could possibly happen and listed all the documents we need to prepare right from the beginning and told us not to worry about it and he'll help us get the best rate we can as soon as possible. He always responds to our questions promptly, even when he's not in the office. We end up closing in less than 4 weeks! And he was able to reduce our closing cost significantly. Tuan and Mike are doing exceptional work and I highly recommend them. If you're planning to apply for a mortgage here, look no further and call them. Thanks Tuan and Mike for helping us getting our first home! read more

Providential Mortgage - Mortgage Brokers Near Me - Fremont, California

I reached out to Tuan for what we thought would be a simple refinance. I worked with Tuan and Danielle who were both incredibly informative and helpful each step of the way. My refinance ended up not being as straight forward as we initially thought due to some things that came up with my situation. Danielle went way above and beyond what I would have ever expected anyone to do to sort out the issue. I mentioned what my plan was to solve my issue (planned on handling after refi closed) and Danielle worked with the county and title to execute my plan all in the same transaction. She kept me informed with each step and gave me regular updates which was much appreciated! I couldn't be happier with my experience. read more

Updating my review because I just finished a refi- with Tuan and Mike. I love that they reached out to me but was never pushy. They were able to get us a great rate and reduced our monthly mortgage - all without any closing fees! They are extremely fast, professional and friendly. I've recommended many friends and family members to Tuan and Mike and they've all had similarly positive experiences. read more

Quick, accommodating, transparent and professional. I really appreciated the constant communication and updates about my loan process. I got an excellent rate. Highly recommend them read more

I love working with Tuan and his team! They really work to give us the best rates and we never had a problem closing on time! We've worked with them three times already and each time is the same quality of service. They are the best! read more

Just closed on my 5th refinance with Providential Mortgage! Can't believe we have had that many refis since 2013 but hey, can't resist when the rates are at an all time low, right? As always, it's always such a pleasure working with Tuan and his team. Very professional, honest and available any time or day for all my questions. Quick turn as well and super smooth process. PM is definitely my go-to when it comes to home loans and refinance! read more

Team was extremely helpful and were responsive through the entire process, would highly recommend.

Experience was good. Quick responses from Danielle and the process was well explained. The final papers were signed in the comfort of my home. Videos explained the process as we progressed. read more

Tuan, Mike & Danielle are a wonderful team and truly deserve 5 stars for their excellent service. They provide honest advice that is in the best interest of their customers. We were negotiating with a second lender. When I discussed their offer with Tuan he gave his honest advice that the second lender have a better deal and I should go with them. That is integrity. They can work a tight deadline. When the mortgage with the other lender fell through we were under pressure to close within a week. Tuan and his team worked late Friday night and managed to get my application in before Saturday. The mortgage was closed within a week we managed to close the loan within the escrow deadline with two days to spare. Being first time homeowners, we were new to the process and had a lot of questions. Tuan patiently answered all our questions and guided us through all the steps. He is very knowledgeable and explained in detail every step. I would like to mention that this was during the coronavirus pandemic so their commitment to go above and beyond for their customers is exemplary. I would highly recommend Tuan and his team and you should definitely consider him when looking for a mortgage in the Bay Area. read more

Honestly, Tuan, Mike & Danielle deserve 10+ stars for their "Honest, Transparent, Quick" service. Our Refinance started on March 2 and ended on March 18. I have never seen such a genuine person (Tuan) in this industry. God bless your heart. Throughout the process, the entire team was so responsive, flexible and thorough. They know what is best for your situation and help you out - which is amazing. I want to call out certain things which really impressed me. #1. In Yelp it says Providential Mortgage specialties as "Specializing in FHA loans to regular convention loans all over California. Providential Mortgage is committed to helping you find the right mortgage product for your needs. With no fees, no points, no cost, and no hidden fees! Providential Mortgage is the only way to go." ------ Which is 100% true. No hidden fees, no cost, no points. Again, it depends on your situation & selection of loans. But, what Tuan said, in the beginning, remains the same until the closure. The Man who stood by his words. No word/paper playing. #2. In Yelp it says about Business Owner as "In our way of working, we attach a great deal of importance to humility, honesty, and integrity; With respect to serving our customer, we promise to provide our customers with the highest level of service from the beginning to the end. We'll gladly walk you through the entire process and make you feel as comfortable about the process as possible." ------ Which is again 100% true. Tuan gave tremendous importance to humility, honesty, and integrity. Tuan, Mike & Danielle - Once again, its a pleasure working with you. Thank you for helping us. read more