We just closed and funded on our latest deal today, and I want to take a moment to recognize Esther…read moreand her team for an exceptional job. In this business, execution and timing are everything--Esther and Paul delivered on both at a very high level. From initial structuring through funding, the process was handled with precision. Communication was clear and efficient, expectations were managed properly, and any complexities were addressed proactively without slowing down the timeline. That level of control over a transaction is not easy to find. What stood out most was the ability to navigate the deal strategically while keeping everything moving forward. For anyone operating in real estate investment or development, having a lending partner you can rely on is critical. Esther and Paul has proven to be exactly that. Looking forward to doing more deals together.

Esther and her team are amazing! We got a terrific rate and closed on our home a few days ago…read moreafter 5 years on/off trying. Essentially we worked with Team Esther 3 times, because after failing to buy a home and taking a break, each time the financials would have to be reprocessed given our life changes. But we stayed with them and they stayed with us, always with an open door and a welcome back. I can say from time tested experience how consistently reliable, accessible, and knowledgeable they are! Would highly recommend.

My husband and I worked with Kim and Sheila to buy our first home, and both were phenomenally…read morehelpful throughout. From the beginning to the end of our homebuying process, they were informed, communicative, and amazingly resourceful. As newcomers to the homebuying process, we had a lot of questions; they answered promptly and thoroughly every time, always in terms we could understand. Ultimately, we closed on our new home without any major issues along the way, and I don't know how we would have done it without their genuine kindness and support. Also: if you are an animal enthusiast, ask Kim about her dog to receive some extremely cute pictures guaranteed to take the edge off the stress of buying a home. We would not hesitate to recommend Kim and Sheila to anyone buying a home in the San Francisco Bay Area - it is hard to imagine a better experience than the one we had. Thank you, Kim and Sheila!

Sheila and Kim are hands down some of the best loan officers I've worked with…read more They helped my client purchase his first home smoothly and closed the transaction in under 18 days on a nearly $900K deal. That kind of speed and execution is rare. Their process was incredibly streamlined, communication was clear throughout, and they stayed on top of every detail from start to finish. Most importantly, my client felt supported and confident the entire time, which made a huge difference for a first-time homebuyer. As the realtor on the transaction, I truly appreciate their professionalism and efficiency. Looking forward to many more deals together.

Dave, Danny, and the entire team have helped us multiple times, and we've never had anything but a…read moregreat experience. Dave has consistently gone out of his way to help, and Danny has been great to work with as well. They're responsive, thorough, and always make sure I understand every step of the process. They take the time to answer questions, talk things through, and genuinely treat us like valued customers--not just another transaction. I can't thank Dave, Danny, and the team enough and would absolutely recommend them to anyone looking for a mortgage team they can trust.

From initial inquiry to final close of escrow, Dave and his team were there to support us on the…read more15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team!

Richard and his team were fantastic to work with. He walked me through my options and educated me…read moreon what mortgage would be the best fit for my situation. His team was easy to work with and proactive in their communications. I appreciate the white glove service and would recommend Veridian Mortgage without hesitation. Thank you Richard!

There's no doubt Richard's services lands him in the 5-star rankings. I had the pleasure of seeing…read moreRichard Wang from Veridian Mortgage assist my superior in securing her first home, and I can't speak highly enough of his service. Richard's professionalism, clear communication, and dedication made the entire home-buying process much easier and less intimidating. He was proactive in addressing every question and detail, ensuring everything went smoothly. Beyond his work, I really admire how active and engaged Richard is with his online presence; he is consistently sharing insightful content that demonstrates his expertise and commitment to helping others. If you're in the market for a mortgage expert who truly cares about his clients, Richard Wang is the one to call.

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.

Esther and Paul were EXCELLENT. From the start I felt like a priority and questions were answered…read moreimmediately. Buying a house is very stressful, the last thing you want is to get spotty communication and instructions for everything required. This is the 3rd house I've bought and have never had such a good experience. Their tools/portals are FANTASTIC, I was able to complete steps and see my progress easily.

Are you looking for an excellent team to work on your loan? Look no further; we highly recommend…read moreThe Loan Story team! We had a pleasant experience working with Yvonne Wu, Paul Reyes, and Esther Chien for our first home purchase! They are truly a wonderful team! We highly recommend that you check them out for your next home purchase! They answered all of our questions promptly and were extremely professional throughout the entire process. They met our tight timeline and closed escrow within a reasonable time frame! Thank you, Yvonne, Paul, and Esther!

Cyrus provide a good service he is trust mortgage broker. he always looking for best solution for…read moreclients

Working with Cyrus Ghazvini at Omni Fund was one of the best decisions we've made. We were…read morerefinancing at a time when the market was incredibly difficult, and the process was full of obstacles, but Cyrus navigated every single one with skill, patience, and determination. His range of expertise is unmatched, from low A-paper rates and conventional loans to reverse mortgages, private and bridge financing, and even in-house hard money options. Whether it's residential or small-balance commercial, Cyrus truly has every aspect of real estate financing covered. If you want someone who fights for you, thinks creatively, and gets results no matter how many hoops there are to jump through, Cyrus is your guy.

Albert was referred to me by a relative that Albert has helped with many loans and refinances…read more Working with Albert and his team was a breeze - Albert was always on top of escrow, the lender, the appraiser, and all the parties in the purchase transaction. Albert is a true professional, efficient, and dedicated; with his expertise and at his suggestion, we were able to lock rates at a low. However, Albert never pushed us to choose one path or the other; he always gave us all the information we needed to make an informed and educated decision. As a realtor, I have worked with many loan brokers and Albert stands heads above the rest.

Albert and his team has provided the outstanding service for my refinance need…read more His diligence and thoroughness was above and beyond what I was expecting. To initiate the process, Albert went over all options with me and presented the math in detail for every option. He walked through every step with me along the process and answered all the questions that popped in my mind. His attentiveness has helped us to lock on the competitive rate and close the escrow promptly. I will recommend Albert and his team to anyone who is looking for mortgage/refinance services.

Our finance journey with ShirleyLu at MaxReal has been exceptional. Whether we were doing a…read morepurchase or a refinance, Shirley maintained an impressively high level of professionalism. She treated us with respect, took time to understand our goals, and executed everything with precision. Her service is timely, clear, and reliable--instilling a sense of security in an area that can often feel complex and overwhelming. If you're seeking someone who truly puts your interests first, Shirley is the one.

Bad broker company ever. Don't follow up mortgage process and keep asking the same documents and…read morelook like first time to do the finance . Do not trust the yelp review, it's fake .

The true MVPs of this entire process! We couldn't be more grateful to Max and Tonya for helping us…read moreclose on our home. Our situation was far from ideal, but they made it feel so smooth, manageable, and closed on time! After our offer was accepted, our original lender fell through, leaving us anxious and worried about falling out of contract. We got Max's contact from another friend and after talking to Max, he reassured us that he could deliver, and stayed true to his word as promised From start to finish, they were incredibly responsive, organized, reliable, and completely on top of everything - all the essential qualities you need in a home-buying team. Trust me, having a reliable team makes all the difference. You can tell that they're very experienced and truly badasses at what they do. We'll absolutely turn to Max for any future refinance or home purchases. Highly recommend this powerhouse duo!

Very professional lender who thinks for his client. Everything was very smooth with Max. You can…read morefeel that he puts his client's interest before his personal interests and really tries to find the best option for his client.