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.

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.

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.

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.

Cristina was absolutely outstanding throughout our entire home-buying journey. From day one, she…read morewas knowledgeable, responsive, patient, and genuinely invested in helping us find the right home--not just making a sale. She guided us through every step of the process, answered all of our questions promptly, and always made us feel like we were her top priority. Her expertise, attention to detail, and strong negotiation skills gave us confidence during what could have been a very stressful experience. What really sets Cristina apart is how much she truly cares about her clients. She took the time to understand our needs, provided honest advice, and was always available whenever we needed her. Thanks to her hard work and dedication, the entire process went smoothly, and we couldn't be happier with our new home. If you're looking for a Realtor who is professional, trustworthy, knowledgeable, and goes above and beyond for her clients, I can't recommend Cristina highly enough. It was a pleasure working with her, and I would gladly recommend her to anyone looking to buy or sell a home.

Cristina and Julie were flat-out amazing to work with. She is responsive, knowledgable, and listens…read moreto her clients' needs. She is as invested as you are in finding the right home for you - in fact, they are the ones that recommended the neighborhood in which I ended up purchasing a home...and that neighborhood wasn't even on my radar! It couldn't be more perfect. They know the market, trends, neighborhoods, what to look for, what red flags to watch out for - and they have a host of connections to help you get set up in your new home post-close. Cristina expertly navigated the offer on the home I really wanted (and it was a nail biter!) - and we landed it in this crazy competitive market! Cristina and Julie guided me through a lightning fast closing (my loan officer said it was the fastest close he's ever done) and even stayed in touch post-close to ensure I was getting settled. Really cannot recommend highly enough - personalized, thoughtful, and knowledgable.

This review is for an arrogant and unprofessional customers service rep on the phone, NOT about…read moretheir products and services in general. When I called them to send a document to them per THIER request, that customer service rep just didn't give me any workable solutions with her arrogant attitude, without any solutions to my inquiry AGAIN to respond to THEIR letter as much as I can. She needs to be retrained to learn what customer service is, or look for other job. Totally different from those professionals at Fremont Bank who helped me to set up my HELOC several years ago.

Fremont Bank is a great place, and I was helped with great hospitality, efficiency, and quality…read more I'm very happy with the process here. Oswaldo is amazing and he gives great service. Thank you for your excellent services!

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.

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.

Thuy did it again! She was able to sell my home quickly in this uncertain market. She was…read morereassuring and communicative throughout the whole process. As a seller this time around, I had to lower my expectations since the market is not as "hot" as it was a few years ago. This was fine with me since I just wanted my home sold ASAP since we already purchased another home and didn't want to hold onto two homes. Thuy's ability to quickly close deals and negotiation skills make her a great choice for any real estate needs. I highly recommend her if you're looking for someone that is willing to go above and beyond. Reach out to Thuy if you're looking to buy or sell in the nearby future!

Very disappointed I stopped by in late May as I was seeking a low income apartment but was told…read morethey didn't have any vacancies until July and that was a 2br. So I was just informed that I was lied to and they do not have any low income apts to rent ever! I could handle them not renting to those with a low income but to be intentionally misled? Poor customer/tenant service! :(

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