Stephen went above and beyond during mine and my boyfriend's first home purchase. He was super communicative 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. read more

Based on his numerous good reviews, I messaged Stephen early last August about the possibility of getting 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. read more

I emailed Stephen Wong with all the necessary information to do refinance last month. He said he would follow up with me when there is a better rate. An entire month has passed and Stephen still has not given us a single rate. We followed up with him today. When we called, he was unable to recall who I was. He even got the property wrong. At this point, since we are getting nowhere, I asked if he can just stop the entire process. He suddenly says we should lock in the rate today. When asked what the rate would be, he still did not give an actual number and instead just started asking other questions unrelated to the rate. The entire process was very unprofessional. Definitely would NOT recommend Stephen Wong to anyone. read more

We just completed our 2nd refi with Stephen. The man is top notch. Yes, he is a man of few words, but who cares. He is super responsive and delivers, it's that simple. For the first refi, we called him out of the blue based on some online reviews, and from start to finish, it was our fastest mortgage transaction ever, closing in under 3 weeks. Pleased with the rate, I thought we were done forever. Months later, when rates hit historical lows, Stephen reached out and we just completed another smooth refi, this time with minimal effort on our part. Highly recommended. read more

Stephen should have been our first stop BEFORE searching for a home. He has so much experience, and strategies, for getting the best rate on a mortgage loan. I liked that he deeply understood the urgency in the purchasing process and had invaluable knowledge within the industry. He reminded me of the kind of person who is in your corner of the ring when you really need it. I felt the advice he shared was a blessing. Yes, his rates are hands down the best. But I liked how he told me the good and bad news straight. His responsiveness was excellent and got back to me quickly throughout our communications. I would highly recommend buyers to speak with him when you start your home search and mortgage loan. read more

Stephen never skips a beat. He's always works with your best interest in mind, he's transparent, straight to the point and plays no games. He responds to emails and calls right away, even weekends and nights. I've used him in the past and so has my friends. If you're looking for home loan or refi don't call anyone else but Stephan. He will not disappoint. read more

Stephen is one of the best loan broker in Bay Area . He is sincere , honesty and work more than talk. We found him from online . He is amazing person . He explained how is good for time to get good rate . He works fast and save time . He does not need face to face . Can you believe I got a great loan refinance with a good rate and save money and ever met who is that amazing person . Although never met ,but We feel very satisfied to work with Stephen because He is quick response emails , e signatures anytime even midnight. That was great communication with loan officer . Highly recommend Stephen for anyone to looking for Mortgage loan or buying , selling houses . We glad to work with him and hope to work with Stephen again . read more

Working with Stephen has been more than 100X more efficient and enjoyable than anyone else I have worked with in the lending industry. I've refinanced several times with highly regarded companies like quicken loans and Bank of America. Stephen is at a different level altogether. Working with Stephen is like having your own dedicated concierge for lending. He is attentive, efficient, supportive, smart, and spot on at all times. He has an incredible work ethic and attention to detail. He makes you feel as though you are his only client. There is a reason he has garnered a 5 star reputation on yelp. It's because he is simply the best in the business. I could not make a stronger recommendation for anyone in this industry. Period. read more

So thankful to have friend refer us to Stephen for refi so we could use funds to make a purchase. Stephen and team is excellent and will get you to the finish line in record time. He is very knowledgeable and will help you through the process and is on top of all the deadlines to ensure you will close on time and will get you the best rates and even credits in your closing costs. So glad we found Stephen and team and will definitely use them for future financing needs. Highly recommend. read more

My experience I had working with Stephen and his team (Grace) over the past few years has been outstanding. Stephen has been consistently honest, straight forward, and extremely efficient in the refinance process. He always strives to makes sure that his clients will benefit. He is very knowledgeable in explaining everything, answering all questions in detail promptly. Normally, home purchase and refinancing can be very stressful, but Stephen took charge and guided me through several different scenarios, which helped me to choose the best loan product for my personal situation. I will recommend Stephen and his team to all my friends and family. He is a true professional and a genuinely nice man. Thank you, Stephen! read more

We found Stephen on yelp and I'm really glad I found him! Stephen and team did an amazing job! Stephen works endlessly and won't stop until he helps you get the best for you. He has your best interest in mind. Very honest and trustworthy person. He was available any time we needed to ask a question or when we had any concern. He responds to email/text/calls within a few minutes! I did not feel any pressure throughout the entire process. He offered us few options to choose from, so we have control over this process. He also got us very competitive rates! I would strongly recommend Stephen for any mortgage loan needs and hope to work with him again during our refinancing. Thank you Stephen for all your hard work! read more

I love the team! They helped me throughout all process of looking for a home and I was recommended the best options for me. Bill, the agent, is great and patient, he wont put pressure on you to buy a home. He wants the best for his clients and fights for it when we love a home. He is hardworking and reliable! He stays on track and up to date with everything. Stephen, the broker, is hardworking and reliable as well. Very helpful and will guide you and recommend best options for your mortgage, without any pressures. He helped me too to get the best home I could get, and was very patient with me. He got me the a great offer fof my mortgage and great interest rate. Overall, very happy with their services and I will definitely keep them in mind for future projects! Thank you guys! read more

This was my first time dealing with Stephen as a mortgage broker and have dealt with many mortgage brokers and banks consultants in the past; however, Stephen is a very honest individual and he will be upfront with you. In turn, he will obtain the best deal for your circumstances. He did a VA cash-out refinance mortgage . . . even when I signed the mortgage paperwork near the end and he said, "If you don't like the loan, just cancel it . . . It is not about me; it's about you if you like the terms of the contract." Moreover, he is available to answer your questions by talking, text or email any time! I would highly recommend him and he is a hidden jewel in the mortgage industry! read more

Stephen did exactly what he says. Got me my refinance at the rate he said, in a quicker time than I thought. Man of few words, he gets the job done. Definitely over my expectations. Also, he seems to always be working. He replies to texts/emails immediately, almost at any hour. Definitely would call him first next time I have a mortgage issue or question. read more

If Yelp has 100 stars, I would give Stephen 101 starts. My case is not even strong: less than 20% down payment, not native American, no 740+ credit score... It does NOT matter. As long as Stephen reviews your information and accepts to be your loan agent, you can did it. In our case, we close less than 17 days. If you want a new home, don't wait. Stephen should be the first man to contact, even before listing agent, buyer agent and going to open house. read more

It was our first time refinancing our home. Stephen was very straight to the point and very helpful. Whenever we needed help, he responds quickly. He is dedicated with his work and will work tirelessly to help you find the lowest rate out there. We will definitely go to him again in the near future. read more

I called Stephen about a month ago asking for refinancing for a JUMBO loan on a property in bay area. He told me he could not get me a better rate than our existing 3.625 and current rates (at that time) were way worse that that. Well guess what, that was completely incorrect because I have seen some banks give as low as 2.875 for JUMBO loans in the past month. I wish I hadn't listened to him back then and continued my research. It was my stupidity but I missed out on that 2.xx rate...but was still able to lock in a much lower rate close to 3% now that I heard other people get such great low rates. My suggestion is don't trust him and do your own research. read more

The entire Refi Loan process with Stephen was amazing. It has got to be the quickest , simplest and most head ache free experience we have ever had. We have never even met Stephen in person but the process was very smooth as he communicated via email.. He was always very quick to answer any questions or concerns we had and he guided us meticulously through each step. The entire loan process took approximately 3 weeks from start to finish. We are very happy as he was able to fulfill our needs which was to lower our payments and get cash out and there were no fees involved! Thanks Stephen!!! read more

Stephen Wong is a trustworthy and professional mortgage broker. Stephen was able to guide us through the entire refinance process and get us the lowest rate in the industry and below anything that was advertised. He was very open and transparent about timing and what to expect. Stephen was also extremely quick with returning emails and phone calls. Thank you Stephen for all your help! I to use you again in the future! read more

Wow, I am cynical when I see everyone giving 100% for Stephen Wong of BayOne. But, I have refi'd and purchased many properties as an investors over 30 years so I know if a broker is not good, average, and great. Stephen is REALLY good, He is easy to work with, very knowledgeable, knows his field well, and really provides very much to the client. We just got an excellent refi loan with Stephen very quickly with basically no problems. Actually, this is the easiest the loan I ever got in my real estate career. And, this loan cost us NOTHING!! I have never worked with him before, but found him via Yelp. I can't say anything bad about Stephen and Bay One, he is really good at this job, great with people, and provides best terms possible. He is also very responsive, even in this hectic environment when many brokers do not get back very quickly to their clients because everyone is refinancing with record low rates. Bay One easily rates a 5+ star. Thank you so much Stephen and Bay One for your awesome work on our refi loan. You are the best broker I have ever used. Robert C. read more

Best Best loan agent / officer I have had the pleasure of working with. Stephen is ALWAYS looking out for your best interest. Not only does he offer you the lowest rates in the industry but recommends which loans (15 yrs versus 30 yrs versus adjustable versus cash outs, etc) are best for you and your current situation. Stephen has been very transparent and will explain any and all fees related to the loan. Which can be confusing at times. When you email or call him with a question he always gets back to you in a timely manner regardless of how busy he is. If you are looking for a loan or to refinance I would definitely give Stephen a call and see if the rates he has is as low or lower than what others have offered you. read more

Stephen Wong is an unstoppable force. Efficient, quick and completely transparent - he is the mortgage agent that "gets things done". I will definitely use him again. read more

We left a review in the past but it got deleted for some reason. Can't say enough good things about this hard-working man. Will not bs you about what you can afford and always will absolutely get you the best deal. He did our papers when we bought our house and refinanced for us twice after to get us the best rate. Will do business with him again when we buy our next house. Just wish he had a Hawaii license so I can refer all my Hawaii peeps to him. read more

Stephen just help me to close one deal! He is very responsible, professional, and very detail. I have an excellent experience to work with him, whenever I called him, he always pickup the phone, even Sunday night, and take care of everything, never over promised, never delay my loan process. I highly recommend Stephen Wong! read more

Stephen Wong is by far Better than the BEST Loan Officer we've had the good fortune to work with. He is extremely professional and with his knowledge and expertise and patience he got us the best rates for our rental property as well as our primary residence. We would certainly recommend him to everyone and would definitely want him as our loan officer in the future. He came strongly recommended by our daughter and son-in-law. Thank you Stephen for all your help and being on top of everything. Stay Safe Nikki Nik Singh Mill Valley CA read more

I was informed Stephen from my coworker and I am really glad to work with him for my refinance. I was not able to get a better rate besides his offer due to my low FICO score at the time. Stephen was working on this dedicated and I got the best deal. I really appreciate him again. I would like to work with him sometime later if there is any chance to lower my rate again. read more

If I could give 10 stars I would. Stephen was recommended to me by a friend. Stephen is no BS, straight shooter, lays all the cards on the table type of guy. He gives you all the options and you pick what's best. Response time? Minutes. I messaged him and within minutes I got a reply. Once I got him all my documents, within an hour I got my pre-approval letter. I was a first time home buyer. I just closed escrow last week. Stephen basically walked me through everything and explained everything to me from step 1 until the end. He still checks up on me after I closed to make sure I got everything. You want someone who isn't shy and will ensure you close ON TIME? Stephen is your guy. The seller put on a contingency to charge me $100 a day if I don't close on time. Stephen was hardcore and drove the transaction and drove the escrow company forcing them to work faster. He gives ZERO #### and will do whatever it takes to close. You as a client have to do your part in giving him all the required documents. This guy will do the rest and make it happen. He also has a lot of resources from escrow companies and insurance companies, etc that makes it an easy one-stop-shop for those who wants that. The pricing is always competitive and up front. He gives you all the options and you pick what is best for you. I will be using him again to refinance and definitely recommend him to everyone. He speaks English, Mandarin, and Cantonese. read more

We recently closed on our 3rd refinance with BayOne, and are again very happy with the experience. Stephen Wong was always available to answer any questions we had during the process, and he was able to lock down a great rate for us. He always takes the time to explain the steps involved so there were no surprises, and the closing came on time and numbers were just as expected. Grace handled the closing day document signing, and as usual she made the process so simple, and was very patient with our questions. We would definitely use BayOne again for future financing and would recommend others to do the same! read more

Stephen is the one of the best loan agents I have ever seen. He always keeps his customer post, share the latest market news and very responseful. I would always recommend him as your loan agent. read more

Stephen continues to communicate and follow up with us regarding refinancing and working with a complex ownership situation. I cannot speak highly enough about Stephen Wong and his quick responses and total dedication to his customers. So awesome. read more

As a first time home buyers my husband and I cannot thank Stephen enough for guiding us through this exciting yet nerve wrecking process. He is always reachable and we felt very confident we were in good hands from the very beginning. He took the time to explain and guide us through each step and really went above and beyond to help us make smart decisions. So glad he was recommended to us and we would happily recommend him to anyone looking for a loan agent. read more

Stephen is great. Gave it to us straight. Helped us with our first home purchase and refinanced twice after for better rate. Save a ton of money thanks to this guy. Gave us our preapproval super quick as well. Very hard working guy!! read more

I've refinanced with Stephen twice. As a extremely satisfied return client, I'd like to point out that Stephen is super professional, very quick to respond to questions, and has a very strong work ethic. He's honest, upfront, and works hard to meet your goals. I highly recommend him and look forward to using his services in the future. read more

Highly recommended! Stephen is simply great to work with. No BS! No time wasted. Only for great results like we expected. He is extremely responsive. He is professional in every steps of the way. We couldn't be happier!! He guided us and rate was quickly locked in time for the lowest rate and closed in time! His service is simply beyond our expectation. Thank you, Stephen! We will be back for future transactions with you. read more

Stephen helped me with refinancing my home loan and it was a wonderful experience. He is kind enough to walk you through the process and negotiate the best interest rate. I certainly recommend him and look forward to future refinances :) read more

Stephen is great!!! He helped us to get the loan for our first home in San Jose. Before we find Stephen, we contacted many lenders but many of them are not familiar with our visa status. Stephen is the first lender who is very positive with our situation. He is very knowledgeable and professional. He always keeps us well-informed and suggests the best options for us to save our money. Working with Stephen is also time-saving. Some lenders require us to meet face-to-face before getting pre-approval letters and their meeting was useless and a waste of time. We can get pre-approval letters after we talked with Stephen on the phone. Most of the other process were done electronically. He always replies email extremely fast. He is on the top of everything and works very fast in closing our loan. We will definitely work with him in the future for any refinancing needs and we would highly recommend Stephen for anyone in the Bay Area. read more

Stephen helped me with my original purchase loan 1 year ago. Great experience then. I called him again 2 months ago for refi given rates are at an all time low. Amazing experience again. He makes sure I understand the terms and conditions. Any questions, uncertainties, and doubts I had, he would find the answer and present them to me without agenda for me to make my own decision. Honest, quick to respond, and pleasure to work with. Would definitely recommend to friends and family. If I were to need a purchase loan or refi in the future, I would without a doubt, contact Stephen again. read more

Stephen helped us refinance. He is very hardworking and always available to answer any questions or concerns you may have. He knows what he is doing and always has your best interest in mind. He has now earned my entire family's business. Thanks Stephen! read more

Stephen helped us refinance again. Even with the Shelter in place order, he did most of the paperwork online, email or text. Another successful and easy refinance! read more

Stephen's excellent yelp score got me intrigued so I reached out and was impressed by his willingness to go the extra mile. Re-financing is supposed to be a complicated uncomfortable process but he made it super simple and hand held me through the process. The paper work was a cinch and his assistant Grace came over to finalize the process in 30 minutes. I absolutely recommend him! read more