This is the ONLY place to use! This is the fourth time I…read morehave used Diversified Capital Funding, when purchasing a home. The team is AMAZING, and treat you as if you are part of a family. Buying a home is beyond stressful, but they bring ease to it. I am confident that I will be taken care of and will have all the information I need to make decisions. There is no one else I would use or trust. Also quick note, Brian answers the phone/texts even on vacation!! They make it clear they will always be there, whatever your needs (or in my case, whenever I have a panic moment).

I met mortgage agent Connie Chronis at a Los Altos Chamber of Commerce meeting and was impressed…read morewith her professionalism and willingness to work with me in refinancing my home. I had a complex plan and timeline which Connie assisted in developing. It was good to have experienced advice to walk with me through complicated issues. The loan process was terrific and I obtained a loan tailored to my specific needs. I can't say enough how helpful Connie, in particular, was in keeping the process going and following up. Please consider asking Connie to bid on your home finance, refinance, or equity line needs!

When we started the search for our first home, we had no idea where to even begin. Thankfully we…read morefound David and Cathy who walked us through every step of the way and truly went above and beyond what we expected from them. They worked tirelessly through late nights, even holidays to help us close on our home in San Jose. They even helped with all of the renovations we needed, even before we closed- from recommending vendors to scheduling meetings. They know the market extremely well and helped us navigate everything--from making strong offers to negotiating--without unnecessary stress. The whole process felt smooth because we trusted them completely. We are so grateful to have worked with David, Cathy and the whole team and will definitely recommend them to anyone who is looking for the best team to help navigate this crazy Bay Area market!

We meet David and Cathy at their office in Los Altos. They were friendly and no pressure. They…read moreasked us where we were looking (Mountain View, Sunnyvale, Santa Clara, Milpitas), budget, must haves in a home, etc. They gave us a book that covers the basics of purchasing a home and includes a timeline for closing. They connected us to the Compass website to view home listings that fit our descriptions. They created a group text chat, so we can ask them questions at anytime. The next day, we were already viewing homes. Every single weekend for about a month, David and Cathy would show us homes. They pointed out things that we didn't notice, and helped us avoid homes that look good in the listings but had big and little problems. Some things they pointed out were cracks in foundation, uneven flooring, and David's astute nose detected faint cooking odors that's hard to get rid of. Cathy would go over disclosures and inspections reports almost page by page, explaining what's normal and what's not. When we finally found a home that we were ready to make a offer, David and Cathy worked quickly and aggressively to help us win the bid despite there being several other offers. They were there every step of the way. When signing our closing documents, Cathy was present to answer any questions. Even the notary commented that many agents are not there during signing. As first time homebuyers, we were clueless about home ownership, but they made us feel at ease. Thank you for helping us find our first home!

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.

In my profession as a real estate agent, I have come across many loan brokers. Christine is a true…read moreprofessional. She is not only knowledgeable about the different loan products, but more importantly she uses that knowledge to recommend the most suitable financing options based her clients' needs. She cares about her clients so she does a thorough review of their cash flow to help her clients understand their true buying power so there are no surprises. I doubt if any of her clients are caught up in the subprime lending debacle! This speaks volumes because she is honest about what her clients can and cannot afford and will not jeopardize anyone to benefit herself. I have worked with Christine for my personal real estate purchase and re-fis. She is my go-to gal for financing because I know she can get the job done right -- every time!

Christine was absolutely amazing. During the pre-approval process, she was very clear in explaining…read moreto us all the different options we have, and working with us to figure out how much we can afford. On offer day, she really step up to the plate for us by presenting the offer along with our agent to the seller, and ensuring that the fund will be there. In this market where one might need to go against all cash offers, Christine ensured that we were not penalized in the bidding process for having to take out a loan. Furthermore, after we won the bid and sensing that mortgage rates might rise, she recommend that we lock in the rate that night. We did, and the mortgage rate went up by 25 bps the next day! :) In short, you cannot go wrong by having her as your mortgage broker.

I worked with Jerome and his assistant, Katie, on a mortgage for my first home…read more From the start, Jerome was excellent and pleasant to work with. Whenever I had questions, he was always available and quick to answer. He explained details to me and made sure I was able to get the lowest rate possible given my assets and circumstances. With his help, I was able to get a really good mortgage rate compared to what other lenders were offering. He helped me close a couple days earlier than my original close of escrow date, which was great since it helped me also save a little bit on rent since I could move out earlier. I would recommend working with Jerome for your mortgage, especially if you're looking for someone who is efficient, great at communication, and easy to talk to!

HIGHLY RECOMMENDED. Jerome had the best rates out of all lenders that I contacted with. His loan…read moreestimate and fees beat everyone's. However, I went with a local lender due to personal reasons. Jerome can deliver a clear to close within 7 days and close within 2 weeks. He is very responsive and understanding of my situation. Will give him a call when it's time to refinance because NO ONE can beat his rates, like a whole 0.5% average difference.

Natalie was fantastic! I highly recommend her to anyone in the Bay Area looking to close on a…read moreproperty. She was very responsive to my emails and phone calls at various hours. Further, she was flexible with us as we were evaluating our unique situation and the various properties that fit our criteria.

Natalie is a consummate professional and educator in mortgage world. She provided incredible…read moresupport and guidance to myself, and, as a first time applicant, spent hours teaching me the process. Natalie was able to bring us to close in a competitive market on a non-standard property. If you're looking for someone who can help first time buyers and who will put your needs first, your search stops with Natalie.

Strongly recommend Satish (https://homeloans.wellsfargo.com/mortgage/ca/los-altos/satish-dadral)…read more This is the second time I have bought a property with Satish's help. He is super knowledgeable and takes the time to answer all questions. He and his team were super responsive day/night/weekend and went the extra mile to ensure we closed smoothly even with an extremely complicated financial situation. The endless cycles of pre approvals of different amounts for different houses -some needed last minute- did not cause any problems. Most sellers' agents and our agent all knew/trusted his strong ability to close smoothly, so that gave us a little extra edge when competing with cash heavy offers.

Satish and his team (Christina, Sean) were, simply put, incredible. From the get-go, they took…read morepride in educating me on everything mortgage related, which is especially valuable as a first time homeowner. Throughout the 2 year house hunt, they helped me navigate every-changing market conditions and my constantly evolving financial profile. Once I was in contract, Satish & team moved heaven and Earth to work around my unique circumstances, including closing in record time to ensure I could sign papers prior to leaving on a work trip, addressing last minute fire-drills by the underwriter, and even a last minute interest rate decrease that they were able to factor in. To put a cherry on it, after closing, they reached out to ensure I was familiar with Wells Fargo mortgage portal such that I wouldn't erroneously miss my first payments. I highly recommend Satish & team, to first time home buyers and those who've been around the block alike. Thanks guys!

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.

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.

Julie was recommended to us by our real estate agent and we are so happy she was. Julie (and her…read moreteam) worked with us step-by-step to get us through the mortgage application process. She is professional, courteous, and approachable. In short, we are delighted with Julie.

The only time I write Yelp reviews is when a business goes above and beyond my expectations. For…read moreme, Julie met that high bar. I was very impressed with her dedication and patience as I asked question after question... (hope it wasn't too much, Julie!) If you need someone who's got your back during an often stressful time in finding a mortgage, do not hesitate to give her a call!