Have zero security in any approval/pre-approval/fully underwritten pre-approval from Wells Fargo…read more Terrible mortgage experience Wells Fargo pre-approved us then issued a conditional approval so we were good to go for closing then pulled out last minute approximately 2 business days before closing for an issue not mentioned on the conditional pre-approval and completely non-financial reason. Wells Fargo provided no way for us to respond to their last minute objections and simply denied the loan leaving us high and dry risking our deposit in escrow. Never have had such a terrible experience. Tom Forker & Eva Black were our WF focal points. Update 12/31/20: Wells Fargo Corporate office called to inform that they have denied my request for an appraisal refund & also received a letter from Zoila Sarmiento stating the same. Stay away from Wells Fargo if you value your time and money.

We've worked with Kevin Kettmann on our first home and are now working with him on our second on a…read moreshort-notice move; he's incredibly responsive and makes transactions seamless. His responsiveness is especially appreciated in situations where quick bids can mean the getting your dream home, as it did for us. He offered us the best rate by a good margin and even helped us correct an issue to get a lower rate. Highly recommend--he will help you get a deal done with his uber-responsiveness and offer (and help to achieve) great terms.

Just wanted to give a shout out to Orlando Diaz. We worked with Orlando several years ago to…read morerefinance our home. Since then, Orlando has kindly helped me several times with other needs, providing valuable contacts and leads for assorted "home related issues" that have come up. Orlando stands behind his work and is a true gem in the industry. Thank you Orlando!

This was our first time going through the lending process in a very competitive market. Julie Malta…read moreand team guided us through the process and we were able to secure the property at blinding speed. Throughout the team was extremely helpful in outlining what they needed from us by when and very quick to respond on any questions we had.

Guaranteed Rate or Rate.com has the absolute worst customer service. They are not people oriented…read moreand treat you as though you are not human. My mother-in-law passed away, unexpectedly, in December of 2025. We contacted Guaranteed Rate/Rate.com requesting a 2 month mortgage payment deferral due to having to pay funeral costs, and the fact that the monthly income was cut in half, due to her death. The agent on the phone informed us we only had to email them the death certificate. That was a lie! After emailing the death certificate, and not hearing back from them, we contacted them to ensure they received it and were told we had to create a case online through their Assistance portal. Once we did this, they required a slew of other documents (bank statements, pay stubs, etc.) We would upload each document as requested, then have to wait weeks for a confirmation, via a no reply email, that they were requesting additional documents to be uploaded. As there is NO option to chat or communicate with anyone through the assistance portal, we would attempt to call them to get information on the case and their additional requests. Their phone service is even worse than their online portal! We would wait on hold for over an hour before selecting the automated call back option. Sometimes we would receive a call back, several hours later, and sometimes we would not and have to attempt another call the next day. After two months with no ability to communicate with a REAL person, they closed our case without any explanation! DO NOT get a loan from this company for ANY reason. God forbid, should you experience a life-changing event, they will put up hurdle after hurdle, making you believe they are willing to help, when in fact they're just wasting your time. My recommendation is you contact Texans Credit Union instead, where you'll get a person to speak with EVERY TIME you call, who is compassionate and actually willing to work with you. ZERO STARS. DO NOT RECOMMEND!!

My experience with guaranteed rate has been PHENOMENAL!!! I've been working with Chase (Loan…read moreOfficer) and Anthony (Insurance Agent) and they have both made my experience as a first time home buyer absolutely amazing. Both have been alongside me in this journey and have assisted me tremendously by answering any questions I have. I always feel like everything is straightforward and when there are questions, they are sure to clear up any confusion. I would 100% recommend working with Guaranteed Rate for your mortgage needs.

Unaware of our real estate options, our Better Homes and Garden Realtor, Fernel Andong, referred my…read morewife and I to the expertise of loan consultant, Jed Thibodeau. On our first meeting, we had the opportunity to go over the entire loan pre-qualification process. Jed was well-prepared and patient with our questions as uneasy first-time home-buyers. We didn't feel rushed or pressured to do anything. Rather, the more we learned about our options in being pre-quailfied for a home loan, the more excited we were about our dreams of home ownership. I grew up believing that I could only buy a house if I had a minimum 20% down payment towards a home purchase. In today's Bay Area market that could mean $60,000 down payment on a $300,000 property. So unrealistic it seemed for me and my wife. Anyway, Jed explained to us the buying power of First-TIme Homebuyer Assistance (aka FHA), a government-based program that would allow us to only put 3.5% down plus closing costs provided we qualified. It was a breath of fresh air knowing we'd be able to realize our hopes of buying a home at that point... Our loan consultant didn't give us any b.s. and clarified many points, like available interest rates and required documents, along the journey. He didn't run our credit score twice. He kept us apprised with realistic expectations on closing costs upfront to avoid surprises. What impressed us the most was his fast turnaround time in responding to our bid requests on various properties. We were able to make solid offers within a day. No phone tag games was a super plus! If you're looking for loan options, Jed is the solid professional to consult with. He'll personalized your needs and lay out the frame work to meet those needs. At the same time, it's a collaborative effort. You should bring your drive and supporting documents (i.e. 2 months pay stubs, 2 yrs worth of income tax returns, bank statements, etc) to meet the needs for your loan application. Above all, share your concerns so it can be addressed. Btw, it's a free consultation. All the best!

Our realtor recommended Arton Chau to us, and at first we were not interested because we had…read morealready been pre-qualified through another lender. Unfortunately, when it came time to perform, the other lender fell short. After trying to get hold of our guy for three hours, we told our realtor to go ahead and call Arton. He called me right away, at a quarter to six in the evening as his wife drove him home from having Lasik eye surgery. He had our pre-approval ready that evening (the other lender took over a week to pre-qualify us and didn't get back to us until after 3pm the Monday following our Friday offer). We didn't get the house, but that's to be expected in this tough market. When it came time to make an offer on another home, we were so impressed with Arton we decided to stick with him and he did not disappoint. Again, he took care of the pre-approval right away, and we were able to close 26 days after our offer was accepted. We also appreciated that he didn't try to talk us out of getting a 15 year mortgage (instead of a 30 year mortgage) and that he didn't run a check on our credit scores until right before securing the loan (the other lender ran two checks each on both my husband's and my credit reports which adversely affected our scores- though thankfully not enough to cost us, but just barely on mine). I considered giving only four stars, but only because when researching lenders on Yelp I thought most of the five star reviews looked phony and suspicious. I thought a four star review might appear more legit. But honestly, we were so impressed with Arton, and I can't recommend him highly enough. **I should probably add (to avoid giving anyone false expectations) that we had full documentation which we faxed to him before we were pre-approved, including paycheck stubs, w-2s going back a few years, tax returns and bank statements. We also had a 20% down payment and enough liquid assets to cover half the purchase price of the home.

I refinanced my rental and obtained new loan for my current home with Lorraine. She is very…read moreknowledgeable and communicated with me through out the transaction. She was able to obtain very good rates during that time. I would not hesitate to use her again.

I first worked with RMC two years ago and found Deme to be very helpful and responsive to all my…read moreinquiries. I am now using the service again with Deme and continue to find her helpful and always willing to be available. RMC has been reliable and professional with their service.

Shame on me for waiting this long to write a review, but moving into a new house can take over your…read morelife with all the tasks and details to keep track of. That being said, my experience with Leman Woo at LoanDepot helped make the loan part of this move one of the easier parts of the process to deal with. The speed and accessibility on details of the transaction were so seamless. The portal and the technology they use to service their customers is up to date and fits in with my life. Paired with Leman's expertise and service, it was a great experience that left me feeling educated and prepared. I really highly suggest anyone even thinking about real estate contact Leman first. I relied on his experience to walk me through the process calmly and come out much more knowledgeable and comfortable with this whole process.

While in the application process, I provided the name of my wife's employer (the company and the…read moreBoss's name) and Young Kim at loanDepot responded "oh, I handled her refinance recently." My wife was also on the call and was horrified. Her boss was furious. We cancelled the relationship and I asked that they remove all of my information. Then the data breach. Years after I'd cancelled my application with them, they STILL HAD ALL OF MY PERSONAL DATA, including social security numbers. These were lost in a data breach. Of course they notified me about it, but they're only helping me with locking my credit history for 24 months, after that I have to pay about $120 per year to keep it locked, thanks to these morons. Thanks a lot, loanDepot.

Dean Singha, the owner, was fantastic in showing us the different ways to save money on our…read morerefinancing. Unlike the big guys, the service was personable and yet professional. I highly recommend this full service brokerage to everyone.

My experience with Dean and Sonya and their staff at PWFSB was incredible. They accomplished a…read moreloan that I thought was impossible for me. Their persistence on my behalf resulted in a home loan that had been my dream for years. They overcame every obstacle to see me in a home of my own. Their expertise, professionalism and communication skills made the whole process nearly stress-free for me! I absolutely recommend them without reservation.

Bau Lin was a great help. He knows the ins and outs of Mortgage loans and my wife and I were…read moredefinitely happy with the service he provided us. Will recommend him to my family and friends looking to refinance.

This was the worst experience I have ever had with trying to get a loan for our new home. After…read moreworking with Bau-Lin for 6 weeks, receiving our pre-approval, release of all loan contingencies, paying for the inspection and appraisal, we were informed ONE DAY BEFORE CLOSING that our loan was not going through. Not only that but we were charged an extra $110 for the appraisal (over the price he quoted my in writing). After 2 months of investigation, I was told it was for some king of "Rush Fee"? Really? Our closing was postponed two times, our closing fee was changed 3 times and I was informed in writing that they were a direct lender and they still ended up farming out my loan application to another company. After all of this, he refused to refund any of our money that we had to pay out for a loan that didn't go through. He put us in a very difficult situation one day before closing and we had to scramble in order not to lose the house. Again, the worst experience... be careful using Nexus Loans.