Bernice "Casey" is the best there is! I was selling my first home and buying my second home and I…read morewas already working with a mortgage lender. However, their rates and closing costs were outrageous and I just knew I wasn't getting the best offer. My realtor referred me to Casey, and boy I wished I had met her sooner! She got me qualified in 2 days! And got me the best interest rate AND lowered my closing costs that I had extra funds left over. Casey walked me through step by step, she was always available to speak if I had any doubts or questions. She truly is the best in the business!

Was referred to Bernice by our realtor. As a first time home buyer, starting the home-buying…read moreprocess was overwhelming and intimidating! With all these stories of how stressful buying a home would be, I was honestly expecting the worst. To my surprise, it was actually a very smooth and straight forward process. Thanks to Bernice, who slowly walked us through the process, explained the things we did not understand, and provided guidance about everything. After our loan was approved, she even managed to get us a lower interest rate. It didn't even disrupt our timeline to close. To anyone searching for a mortgage broker, trust Bernice. She's surely experienced, transparent about everything related to the process, and will try to continuously work to get you the best outcome. Thank you, Bernice!

The escrow was just closed with Becca Rollins and her team. They were all very responsive and…read moreprofessional. Very smooth transaction. I strongly recommend their team for real estate transaction.

We have worked with Jenny Khuu each time we buy or sell our properties. Being a real estate…read moreinvestor, Jenny Khuu brings in value of her expertise and most importantly, she works tirelessly to make sure our escrow goes smoothly. Thank you Jenny and her amazing team, looking forward to be working with them in the longrun!

if I could give more than five stars, I would in a heartbeat. You would be making a big mistake to…read moreuse anyone other than Brenda for a home loan. Brenda and her team are absolutely amazing. This is the fifth house I've purchased in my life and this was the first time I didn't panic during our loan underwriting. Outside of this experience, closing on time always felt like it was at risk. This time, we had 3 week close and actually closed a few days early. Brenda was extremely proactive, communicative, and responsive. We could not believe the seller went with us despite not come in with the highest offer. We were told through their agent one of the reasons they accepted our offer was because of Brenda's reputation. You can't ask for more than that

This team was super efficient. They walked me though all the details, answered all my new buyer…read morequestions. Everyone was highly responsive as we moved all the paperwork, and closed really fast. (Friends are still commenting how fast I closed on the house). Thank you to everyone at the team that got this done in record time.

From the first day I walked into the branch, Jorge had always been kind and helpful. The entire…read moreatmosphere is welcoming and planning to make this my home branch. Lines are never long and boring. Good music always playing and parking is never an issue. I really like coming to this branch.

The most frustrating and unprofessional experience I've ever had with a financial institution. We…read morebegan the process of applying for a HELOC with Patelco in March, and from the start, it was an absolute mess. I was forced to repeatedly chase down responses--constantly emailing and calling just to get basic updates and move the process forward. Emails would go completely ignored, and it would take multiple phone calls over several days to get any answers. We opted to pay for a BPO appraisal hoping it would increase the home value estimate. It actually came back lower, which dropped the loan amount--fine. But again, I had to initiate contact to even find that out. No communication. I was then told we had 10 days to accept the new amount. I clearly and directly confirmed over the phone with the loan agent that we were okay with the new loan amount and wanted to proceed. So imagine my shock when I received a notification 10 days later that our loan was denied because we supposedly never confirmed the new amount. I immediately contacted both the underwriter and the loan agent--no response. That was over 5 weeks ago. I've followed up since, and still, no one has had the decency or professionalism to respond. At this point, I wouldn't trust Patelco with a single cent of my money. They've shown a complete lack of competence, accountability, and respect for their clients' time. Not only have they lost my business for this HELOC, but they've lost me as a customer for life. What a truly unacceptable and disappointing experience.

Dave Is your Man when it comes to getting a mortgage loan for his clients…read more He has been our loan guy for over 20 years now and would not consider going anywhere else. He's honest, straight up, and very knowledgeable with all types of mortgages. Call Dave and leave the worries behind.

Can't say enough good things about David. For one, he gave us the highest pre-approval and we were…read moreable to get our dream home because of it. But what I enjoyed most is how available he is. Felt like I called him every other day to get an update and always answered and welcomed my calls and questions. He worked all hours of the day to help us close early and get our keys in time to work on it before we moved. I'll be recommending him to everyone I know that's interested in buying a house in the area.

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.

I rarely write review because I thought it is time consuming, but this time I have to insist to…read morewrite for the benefit of the Bank's clients: I had a very disappointing experience with Fremont Bank while applying for a HELOC. The process was frustratingly inefficient -- every time I submitted the requested documents, they came back asking for even more, as if nothing was ever enough to satisfy their endless list of requirements. My assigned representative, Michael Garrick, was particularly unhelpful. He was unresponsive, failed to follow up, and completely ignored my repeated requests (three times!) to speak with his manager. His lack of accountability and disregard for customer concerns made the entire process unbearable. It felt like he had no intention of helping or working in the client's best interest. The only thing he managed to do quickly was say no. I would not recommend Fremont Bank to anyone looking for a smooth or respectful lending experience.

I went into this bank yesterday to wire money. there was NO ONE in the bank, except one teller. it…read morewas probably 4:15 - 4:20. I told teller that I needed to wire money. he said he needed to get a banker. he walked into a door, returned a minute later and told me that the banker said it was too late??? excuse me, you're open, no one is there. So I have to go back today. Very POOR customer service.

Karan, Efren and Vivilya together form an amazing Trio when it comes to Mortgage services and was…read moresuper helpful and delivered at an amazing speed for my mortgage requirements. They were super attentive, easy to reach to and has been very punctual and meticulous throughout the process and also provided the best deal thats out there. Highly recommend Optimal team for all your loan services!!

Karan, Efren, and their team have been a pleasure to work with during my first home purchase. They…read moremove extremely quick (closed in 18 days!) and kept up constant lines of communication throughout the entire process. They have maintained a courteous and professional demeanor the entire time and looked out for my best interest. Would highly recommend working with Optimal Loans for anyone looking to do any home shopping!

My sister and I started our relationship with Leslie and Kristen in April 2025, and they've been…read morewonderful from day one. They take the ball and run with it, always keeping us in the loop. Their steady presence and market expertise have made the entire journey so much easier and more reassuring.

I put my home up for sale after it had been rented for 20 years by the same tenant…read more I put my trust in the Evolve Real Estate team. They did not disappoint. The customer service and technical assistance were of such high quality that I felt I need to bring this performance to other home sellers or buyers. I was served by Leslie Peterson, Kristin Peterson-Bleth, and Franceseca Davila Peterson. During the cumbersome and sometimes frustrating process, I was led and guided by high-quality technical competence, knowledge of the required procedures, and problem-solving creativity. The Evolve Real Estate Team always kept me informed and was immediately responsive to my phone calls. A very happy customer. Beatrice Doyle

Jon and Leslie were amazing to work with! They were very communicative and provided great advice…read morethroughout the entire process -- from recommending repairs before listing to helping us decide when to adjust our price. They handled a lot of back-and-forth with professionalism and were always quick to respond. They also hosted multiple open houses on weekends until we got an offer. The process was as smooth as I could have hoped. Highly recommend them to anyone looking for dedicated and knowledgeable realtors!

It is so easy to rate Vanessa, she gets 5 stars in every category!…read more Our family interviewed three real estate firms (including Vanessa) to oversee the sale of our condo in the Hayward hills. Vanessa's excellent, well-prepared, sales presentation demonstrated she is very knowledgeable about the local market and financial conditions, and her great advice on preparing our condo for sale, made Vanessa our unanimous choice to list our property for sale! Vanessa is always available to congenially answer questions, provide knowledgeable sales advice, and prepare an excellent sales plan which saw Vanessa properly price our condo for sale, have a home inspection, stage our condo, have professional photos taken for social media presentations, list our property in the MLS and Zillow, and personally oversee an open house weekend on our property...all within just 12 days after hiring her! But wait, there's more...we sold the condo to a couple who attended the open house on the first day! We know it was Vanessa's home sales preparation plan that led the way to this fabulous outcome! Once we had accepted the buyers' offer, Vanessa was also able to work with our title company and 1031 Exchange provider (both recommended by Vanessa) to fully close our escrow on-time in 21 days! We know we are blessed by GOD to have Vanessa as our realtor! It's our pleasure to take the time to write this glowing review of the extraordinary customer service provided by Vanessa! Obviously we will highly recommend Vanessa to everybody we know...including you! Halililujah!