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Milpitas, CA

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Bay Apex Mortgage

5.0 (24 reviews)

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Review Highlights - Bay Apex Mortgage

“The process was so painless that I decided to use Ka-Yi to do an investment loan a couple of months later.”

Mentioned in 19 reviews

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Stephen Wong - Bayone Reic - Same

Stephen Wong - Bayone Reic

(203 reviews)

Metro/Airport, North San Jose

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.

Providential Mortgage - Grateful to share that we've once again been recognized for the fastest closing times in the industry.

Providential Mortgage

(363 reviews)

Since purchasing my home in 2003 I refinanced it twice with Tuan, resulting in progressively lower…read morerates until it was under 4.0. Tuan made it super easy and affordable. Last week I took out an Equity loan. Tuan wasn't sure he could do better for me than my current mortgage holder, but invited me to send him their estimate. He did much better than them, giving me the same rate without closing costs, and was even able to spread the loan over 30 years, which my first mortgage lender couldn't do. I always get the best deals with Tuan and I would never refinance without checking with him on what he can do. He gives me the best service and the best rate. He is also very kind, patient, and comfortable to work with. I never feel pressured. I can't say enough about Tuan at Providential mortgage.

Tuan and Mike at Providential Mortgage made buying our first home an exceptional experience. From…read moreday one, their communication was outstanding they walked us through every step of the process, set clear expectations, and kept us fully in the loop throughout. The close was quick and smooth, which was a huge relief as first-time buyers navigating a lot of unknowns. What stood out most was how thorough and patient they were in explaining everything. We never felt left in the dark or rushed. That kind of transparency and professionalism is hard to come by. We will absolutely be working with Tuan and Mike again for any future mortgage needs and won't hesitate to refer them to friends and family. Highly recommend.

Alex Wang - Rainmaker Real Estate - Alex Wang Realtor 2024

Alex Wang - Rainmaker Real Estate

(151 reviews)

We worked with Alex to sell our home in Los Altos and had an outstanding experience from start to…read morefinish. Alex brings deep expertise in the local real estate market--he gave us smart, honest advice on pricing and timing, and really understood the nuances of what would drive interest in our specific home. He clearly knows what buyers in this area are looking for and helped us position our home to maximize appeal. His strategy was spot-on, and we felt confident at every step that we were in the hands of someone who truly understands how to optimize outcomes for sellers. What also stood out was Alex's strong network--he knows the local agents and was able to leverage those relationships to connect with motivated buyers early in the process. Thanks to his efforts, the sale went smoothly and exceeded our expectations. Highly recommend working with him if you're thinking of selling in Los Altos or the surrounding area.

I purchased my current home with Rainmaker about a decade ago! Alex paired me with the right…read moreperson on his team to work with. I always felt I could go to either of them with questions and concerns. Through the years, we've stayed loosely in touch. Recently I asked Alex his thoughts on a second property, sharing my concerns and parameters. He had/has really good ideas, has experience with handling different situations, and I didn't/don't feel at all pressured to purchase. When it comes, hoping the second time goes just as well!

Sheila Perez - New American Funding

Sheila Perez - New American Funding

(176 reviews)

Metro/Airport, Newhall, North San Jose

Kim and Sheila make an outstanding team and went above and beyond throughout the entire process of…read morehelping us with our loan for our first home. They are kind and approachable especially with all my first time newbie homebuying questions on repeat. There were a lot of moving parts to our transaction (at least in my mind) but Kim and Sheila were always on top of every step, communicated clearly and as often as needed so that the process was a bit less daunting. I really appreciated their expertise in guiding us through it all! I would definitely recommend team Kim and Sheila without hesitation!

This team is nothing short of pure gold. Sheila and Kim are a dynamic duo who worked tirelessly, at…read moreall hours of the day and night, on our behalves as my wife and I purchased a home. It's really difficult to summarize in word just how exceptionally above and beyond the call of duty this office goes for its clients, but I am 100% certain, given the complex and unique dynamic of our loan funding and closing, that with any other team there was no way we were making it to the finish line. These are now my go-to loan brokers and you would be literally crazy not to work with them -- and I am not one to make these strong endorsements lightly! Thank you guys so so so much. Total game changing operation, in an industry that often doesn't reward or incentivize exceptional customer service.

Jay Sondhi, Fifth Third Bank

Jay Sondhi, Fifth Third Bank

(140 reviews)

Best mortgage person in the Bay…read more Jay was incredible to work with, helped us close lightning fast, answered all my questions as a first-time home buyer, and helped me get rates and terms that surprised my realtor and impressed my knowledgeable friends. Buying a house is a major thing, with lots of stress. Working with Jay was like having a lighthouse in a storm, he was incredible. 28 out of 5 stars, can't recommend highly enough. This is your guy.

My experience has been mediocre with this loan agent and US Bank. I have done at least a dozen of…read morereal estate refinancings with different loan agents over the years, so I am familiar with the process. 1. The refinancing process was a little chaotic, and some departments in the bank were slow to move files despite borrower's multiple warnings of deadlines to the loan agent, so the loan did not close on time, which caused significant complications and expenses due to borrower's upcoming overseas traveling. 2. The loan agent promised a processing fee refund after loan closing, but he refused to honor it later. The borrower had to escalate the issue with his supervisor to get the fee refund. 3. Several months after loan closing, the title company told me they are still missing various signatures and notary acknowledgment pages for loan closing and they had to make an appointment with me to redo these pages. There seem to be many gaps in their refiancing operations.

o2 Mortgage - David Setti - Branch Manager and Sr. Loan Officer

o2 Mortgage

(287 reviews)

Dave, Danny, and the entire team have helped us multiple times, and we've never had anything but a…read moregreat experience. Dave has consistently gone out of his way to help, and Danny has been great to work with as well. They're responsive, thorough, and always make sure I understand every step of the process. They take the time to answer questions, talk things through, and genuinely treat us like valued customers--not just another transaction. I can't thank Dave, Danny, and the team enough and would absolutely recommend them to anyone looking for a mortgage team they can trust.

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I…read morewould have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez

Mortgage Magic - Laura Wells face painting for a community project

Mortgage Magic

(41 reviews)

Downtown

I had my first consultation with Joe Adamson yesterday. It was wonderful…read more I am just thinking of buying my first property, so naturally, I had a lot of questions. I didn't have to bring much to the meeting, but by the end, I had a clear understanding of: my credit report and everything related to it (what's great, what's less than great, what looks like a problem but really isn't), my personal balance sheet (what a lender will think about my income and my liabilities), what we'll be able to do to mitigate some things when the time comes to apply, and the size of the mortgage I'd qualify for. Joe also advised me on average timelines and order of steps involved in buying a home, as well as costs of ownership. I now feel armed with knowledge and ready to proceed, and look forward to working with Joe in the future.

My boyfriend Alex recently went through a mortgage refi, and it was a smooth process, THANKS TO…read moreJOE ADAMSON! As a first time homeowner, Alex was going through a very stressful time not knowing where to begin or what to expect... but Joe was extremely helpful and patient with Alex, especially with explaining the entire process to him. He was always responsive with emails and phone calls, and even called Alex from time to time to check up on him and see how he was doing. The process took a while, but Joe got the job done. My boyfriend is not one to write YELP reviews, but he asked me to write this review on his behalf because he TRULY believes Joe is great at what he does. If you are looking for someone to guide you in the right direction, We HIGHLY recommend working with him!

Bay Apex Mortgage - mortgagebrokers - Updated October 2026

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