Amazing company! Dean Le and Ronnie Nguyen worked efficiently and helped me with my process!read more

We attempted a home refinance with Loan Factory and worked with Arton Chau as our loan officer and…read moreAnder David Herrera as our processor. Our refi did have some unique circumstances given I was on maternity leave at the time and I wanted to give some grace for that, but the issues we had went far beyond a complicated refi. Additionally, when we decided to go with another company, the process was so smooth that it proved the situation never should have been viewed as that complicated to begin with. The main issues were: 1) Information would be asked for, we would provide that information, nothing would happen, we would ask questions then they would share they needed information that we had already provided that was right there in the same email thread. 2) The information they claimed to need from my employer kept escalating. They asked for a letter verifying I was still employed despite being on leave, my employer provided it, nothing happened, we checked on progress and they said we needed more. They asked to speak with my manager to simply confirm my employment, they didn't contact her for over a week, then they asked HR type questions she couldn't possibly answer. Then they claimed they just needed HR to confirm verbally that they had issued the letter, then they finally talked to HR and asked a bunch more questions. It was bizarre and honestly, my employer was apologizing to me by the end of it while I was apologizing to them. 3) They didn't care about official loan deadlines, because it seemed to be their plan to keep asking for extensions. We initiated everything on 9/8 and as of 10/17, past the 30 day mark, they were still "gathering information." Working with the company we ended up going with, we started with them on 10/21 and everything was completely wrapped up by 11/14. 4) When working with other loan officers I've had experience with, they will do things periodically on weekends or in the evenings as necessary to hit deadlines. This team seemed to never work weekends and at one point Ander went MIA for over a week of the process and was supposedly on vacation with no back-up. This wouldn't be a big deal if it were a longer process, but over a week out of 30 days is pretty extreme. From what I can tell, these people just aren't that skilled. They clearly have a big company and Factory is an apt name for it as I think they just get as much business as they can get, turn and burn, and don't really care about the service they are providing.

Nhan Cao is an incredible mortgage broker! He made the impossible happen and got my loan approved…read moreand closed while I was literally in the hospital about to give birth. We officially closed on our house the same day my baby was born. Talk about stress-free and reliable! Nhan was professional, responsive, and on top of every detail. I couldn't have asked for a better experience and highly recommend him to anyone looking for a smooth and trustworthy mortgage process. Will be referring him to everyone!

Nhan and his team are absolutely amazing to work with -- truly the best in the business! They are…read morehighly knowledgeable, experienced, and take the time to patiently answer all of my questions while walking me through every step of the process, from refinancing to cash-out to new loans. I've worked with Nhan on multiple transactions, and every time they deliver with record speed -- closing in as little as 18 days! If you want a smooth, stress-free loan process with a team you can trust, Nhan is the one to call.

I came across Thao through a recommendation from friends who had previously worked with her and…read moreshe's a total 5 stars. Before Thao, I had already researched a handful of best lenders but even still, she was able to get me the best rate along with lenders credit among them. Aside from her being knowledgeable in the field, what stood out to me most was she was so pleasant, patient, and kind. She has great interpersonal skills and was always courteous and willing to listen & answer my numerous questions. She checked back with me frequently, more so than all the other loan officers, and I felt she was genuinely always on my side. I told Thao that I will be returning to her services when I need to refinance my house & I intend to

Thao is an excellent loan officer. She was very responsive, on top of everything, and she made my…read morerefinance process super smooth. Plus the rate was the most competitive. I would recommend Thao and would go back to her when I need a mortgage loan.

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.

I worked with Houston, the branch manager for my first home loan. I must say that i couldn't have…read morepurchased a house in this competitive market without Houston and my agent. Houston and his staff are professional and knowledgeable about home loans. Above all, Houston has a lot of empathy for his customers and he goes out of the way to make things happen especially for a first time home buyer like me. I highly recommend him and Gold star mortgage to prospective home buyers.

Avoid going to this lender. They are very careless and unprofessional. They made me…read morelose almost 10 thousand dollars for having me remove a loan contingency. Turns out I didn't even get approved for the loan. Thanks a lot Loan Simple for that slap in the face. I m a first time home buyer and I trusted you to help me buy my home. Not only did I not get the house I also lost almost 10 grand of my hard earned cash to the buyer because someone wasn't following procedures. Next time if anyone ever goes here be sure to be cautious and make sure they have your loan approved before they have you remove the contingency. You will lose your deposit money like I did. This place deserves a negative 5 stars. If you value your hard earn money go to the real professionals not these people. I m not even sure they have their license. Jeannie's name was on all my paperwork that they handled for me. She had her assistant Tammy handle my loan. I did my research on Tammy and found out she has no license. I found this out on Zillow . On her profile it says license to work in no states. That means she's not licensed to do loans. Avoid this place as much as you can.

Tony, Bruce, and the team at Express are extremely professional. In every instance, they were…read morealways a step ahead of the process, making every step seamless and painless.  Any questions that I had were answered in mere minutes and the team was always available to help me understand the process. I came out of this viewing Tony and Bruce as a friend who always had me and my family's interests in mind. Rest assured Tony and Bruce go above and beyond to assist their clients. I would recommend anyone to reach out to them!  They will provide clarity to the process and make sure you understand every step along the way.

For anyone running a business you know first hand that service and transparency is IMPORTANT…read more Service - Early is on time, on time is late and late is unheard off. That's the service I got when we came seeking Bruce. What he can do hell try and what he can't he'll use his network to better service the people. Plus his smile cool Transparency - seems to be dead now a day and I don't understand why! I mean for my last realtor little shit keeps popping up everyday and it's dreadful. I dislike that a lot when it come to getting the right loan, right team for my home. Bruce and his team did a wonderful job keeping my wife and I in the loop and no unexpected surprises! Overall I hope Bruce and his Team don't change their way of business and keep pushing it for the people! Warm regards, Hieu Tran the INSURANCE MAN

One of the better mortgage companies in the south bay. Ask for QD he is the most professional and…read moreefficient loan agent we have experienced with. Super reliable guy and made the deal go through. Leon the CEO is wonderful guy to meet as well. Great customer service and don't hesitate to ask for QD.

not communicative and unorganized did not have…read morecommunication with notary either and caused me a lot of stress

John was not my mortgage consultant, but man... was he great to work with us through our closing…read moreprocess! My husband and I recently made a purchase and our mortgage consultant didn't know what the hell he was doing, two weeks in, he needed help from his manager where his manager could care less about us because he was retiring. The week of our closing day, I felt like we weren't going to close, so that's when I googled WF mortgage consultant in the Bay Area and John's name popped up and I had contacted him. Unlike our WF mortgage consultant who had lacked on communication, John was very informative; he'd give me a call in the evening after I had left him a voicemail message when he was driving home from work. He'd also give me a call during his lunch. During the closing process, we were frustrated with our mortgage consultant that I just wanted John to take over, but John reassured me that it was late in the process and I was better off just sticking with who I have (he was right, we just had to stay cool and positive). He also gave us the closing process steps of what we'll be expecting. John is patient, attentive, kind and smart. If you are with WF, immediately take your loan to him and have him process it. I hope corporate is reading this because John truly cares, even for a stranger like me who wasn't his client, but he took his time to make sure everything was A-OK! Thanks John! You're an awesome person.

I've worked with John for the past 2 years on home mortgages and came with high recommendations…read morefrom an agent I was working with at the time. John is very responsive, communicates clearly and his team is very on-the-ball. Often times, I get reminder emails and phone calls from his team to speed along the loan process. His team is also very responsive. When in a pinch and I need even better information, I can always count on calling John and he'll get back to me as soon as he's available. It's been a joy to work with John and I've recommended him to my friends and family.

I bought my first home and I couldn't have done it without My Linh at HLB…read more Instead of buying a home in the Bay Area like I originally intended, family circumstances changed my plan to instead buy a home in southern California. Although, My Linh specializes in the real estate market in the Bay Area, she was able to help advise and guide me through the process of home buying in southern California. She made sure that the process from beginning to end was made as smoothly as possible, no matter what the hiccups were, she was able to help me through it all. I wanted to buy a home and as quickly as possible since I needed to move my entire family down to southern California. It must have been very stressful for her since I was always in constant contact with her, but she always kept up a professionalism rarely seen under pressure and continued to help me. Although my home is nowhere near as expensive as many homes in the Bay Area, My Linh continued to treat me as if I was her highest priority client until the buying process was complete. Her English may not be perfect. Her initial impression may not leave you with the highest confidence. But from experience, I can only give her my highest recommendation. Give her and HLB Realty a chance and you won't be disappointed. Thank you, My Linh.

Great Customer Service! Very Professional Team!…read more As a first-time home buyer, I was so clueless about EVERYTHING. I didn't know where to start, from searching for homes to filling out paperwork and finding a lender. My relatives recommended Linh to me, and thank god they did. She did not waste any of my time. My family can be VERY superstitious, so there's a lot that I have to consider when looking for a house. It can be very frustrating, but Linh totally understand and made it her mission to fulfill our checklist. She went the extra mile and made sure that all the potentials were up to my standard and most important, my budget. Linh was very attentive, she guided me through the whole process. Linh worked out my budget and her team was so kind and patience with helping me getting all my paperwork together. The whole process went very smooth and fast and relieved a lot of stress for me. The communication between her and her team were excellent, everyone knew exactly what their part were and they all delivered 100%. She found me my perfect affordable house, which I can call Home. Her honesty and integrity made me feel very ease and trusted, not a minute where I was worried with any issue. Linh was there whenever I needed help or clarification. I am very glad that I went to her for my first experienced.

Overall superb experience! Suraj is fantastic. Unbeatable rates, quick turnaround, clear…read morecommunication, responsive. Couldn't ask for more. I went with Wells at the very last minute and they were able to get it done on time, I think it was within 2 weeks, amazing! Will be my go to source for home mortgages from now on. At first, based on what I read from some disgruntled people on reddit about the Wells Fargo relationship discount, I was a bit worried. But it turned out to be completely fair and transparent without any tricks. There are a few conditions you have to meet (get the assets over to Wells on time) but Suraj's assistant Pam will remind you of the deadlines, and there is no "catch". I will recommend to all my friends for their mortgage needs. Thank you!

Suraj knows the details of the home finance process like an underwriter and helps with good…read moreguidance to create the originator application file with complete documentation so good at get go! We got to Suraj a little late in our offer process but he ensured that we were still able to close in time! Thank you, Suraj! We will always go to Suraj for our future mortgage needs.