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.

Has been her customer for many years. Great experience doing our loan with Angela. She is very…read moreknowledgeable, very fast in execution, always kept us in the loop. There was a case when we had to switch our lender/agent at the last minute due to unavoidable circumstances. Angela helped at that point. I felt that she keeps customer ahead of everything else.

Angela is very knowledgeable, professional, and very dedicated to her work as a morgage specialist…read more It was a pleasure working with her. She is very organized and precise. She made the mortgage process easy and offered great guidance throughout the entire process. She was always quick to respond all of our questions and was always easily accessible. We absolutely like working with her and highly recommend her.

I just got another mailer for 3 nights October 26, 27 and 28 in Burlingame at Fairview Crystal…read moreSprings. DO NOT WASTE YOUR TIME. THIS IS A BAIT AND SWITCH SCAM!! Phil Lau is an unlicensed hustler selling highly overpriced annuities with many hidden junk fees. The "steak" dinner with a filet mignon and lobster photo in his brochure is a scam to get you there and waiting for at least 2 hours. When dinner was finally served at 8 pm it was all vegetarian and eggplant is the main entree. It was disgusting in addition to very disappointing. PLEASE DO NOT FALL FOR THIS. YOU WILL REGRET IT. ---- SCAM ALERT-----

I usually do not like to do this type of review (business review) for I love to eat and do food…read morereviews only. However, I came across this review when I try to look up Phil Lau business address. Not only I find 2 negative reviews but also the business address is wrong and plus the image below Google search, Phil Lau's pic is not there at all, those men listing is not Phil Lau at all! Now I learned I cannot rely on internet info which maybe no truth to this! Beware folks! Let's talk about below reviewer saying Phil Lau unlicensed, have you ask his license? Did you have any proof that he is not? Secondly, another reviewer saying Phil Lau is rude making her wait over 1.5 hour before dinner served! Unless you want to go there for free meal and expect dinner serve which is no problem but you have to listen to his seminar then dinner served afterward. To me, having dinner eat at the same time while he talking would you pay attention what is being said? All he need is your attentive attention because he is talking about money$$, your retirement, your investment, that is serious stuff! Would you worry about eating and go home? Waste time both sides?! Did you get scam? Really? How? Did this company take your money and run? How? Your "scam alert" thinking of no proof is just damaging others business! Why?! Three years ago, I was like you attended the seminar dinner and get educated about protect my retirement income from market decline and how to invest my retirement, so far so good, my money is growing. I did not get scam! Need I say more! This is too long reviews already. Thanks for reading!

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 don't have the words to go into today while requesting a 1098 faxed- long story short- they sent…read moreme another's personal info twice- after all the account confirmations etc. This was the same man, so I have no idea other than one girl just resent the last mistake- really slacking, hung up on and never any sense of responsibility or a sorry- think the system auto does that. Terribly clumsy, redundant staff, I try to charm, have some feeling for what call center people do or in general- response, 'um shred that.' Took 1/2 a day for what should have taken 5min.

Mortgage payments always sent on time, however it takes them over 2 1/2 weeks to process my…read morepayment. Then they hit me with a late fee! Also the next months statement is sent past the due date so that you have to pay a late fee again! Very poor service and that payment process department should be looked into or hire more competent employees that actually work!

My wife and I have known Betty for almost five years now…read more She helped us with our home purchase in 2013, and again with a refinance in 2016. On each occasion, we had an excellent experience. Not only did Betty get us the best rate both times, the overall deal (including closing costs) just can't be beat. In a competitive real estate market like in the Bay Area, where the speed on financing can make or break a deal, Betty's A-game was a clincher for us. I specifically recall a wrinkle we had with an insurance situation during closing. One call to Betty and she put us in touch with one of contacts and voila it was taken care of in less than an hour. Last but not the least, more than just trying to sell you loan, Betty seeks to cultivate a relationship, checking in with us often, even if we are not on the market. This is why I cannot recommend Betty highly enough. She us truly your friend in the mortgage business!

Betty helped us with the mortgage last year as the loan specialist. One of my coworkers recommended…read moreBetty to me. We had face-to-face meeting in the beginning and we found her very professional and also pleasure to work with. During the case, she was very considerate and always available for questions and follow-ups even during weekends and evenings. We appreciated her hard work and proactive communication to help us close the deal on time. Definitely recommend her to others looking for professional loan services!

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.

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!

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!

We had a great experience working with Grant. We contacted him after we had already submitted an…read moreoffer with a 15-day close, and he was able to get everything done on time without any hiccups. He was extremely thorough and knowledgeable about every aspect of the home loan process. As first-time homebuyers, we were pretty out of our depth, but Grant answered every question we had and made sure we understood what was happening at each step so we could feel confident we were making the best decisions for our family. I would recommend Grant to anyone in the area looking for a home loan.

Grant is hands down the best and most amazing person ever. I had no clue what I was doing for my…read morefinancials and let alone buying a home. But Grant took his time to walk me through the whole process. He spent countless hours educating me so that when I was ready to buy my first home, I had all the knowledge I needed. I trusted Grant in this entire process and he guided me every step of the way. He's very thorough and very transparent. Which is something you don't often see. He truly cares for you and makes sure you are able to save money and make good choices. Grant went above and beyond what he provides and I can't thank him enough. I highly recommend Grant's services to everyone. If you don't know where to begin, start with Grant!

We are investors and have worked with many loan officers. Lee is definitely one of the best. She…read morehas the most loan options available and the rates she provided was the lowest. Lee took the time to explain the different loan options to us. Keep us posted on the interest rate movement. The application process was easy and it was done quickly. Lee kept us informed every step of the way and explained things clearly whenever we have questions. The entire process was smooth and great. Will definitely work with her again.

I could not have found a better person to work with than Lee when looking to get back in the market…read moreto buy property after a big life change. Lee was extremely giving of her time and met me where I was in terms of knowledge and my limited schedule to meet. Lee was very organized and prepared multiple scenarios for me to see based on different price points and interest rates. Lee helped me consider other facets of my life, as well as my financial future. She created a visual timeline of the process of my loan application through the purchase of my home and was always available should I have a question. In addition, Lee will continue our relationship by reaching out when refinancing opportunities present themselves that would be of benefit to me. I trust Lee's guidance and highly recommend her. She is a true gem and I can't thank her enough for the positive experience she provided me!