We are closing on a house this week and had to share our fantastic experience working with Chris!…read moreFrom start to finish, he made the entire process feel easy and seamless. Chris was always responsive, communicative, and proactive about keeping us informed at every step. He answered all of our questions quickly and clearly, which gave us so much peace of mind during what can be a stressful process. Beyond that, he's just a genuinely personable and kind person, just an absolute pleasure to work with. We're so grateful for his expertise and support, and wouldn't hesitate to recommend him to anyone looking for a smooth, efficient home loan experience!

Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

We worked with Scott and Lisa 27 years ago to buy our first home and they were fabulous. Even after…read morewe sold that home and started renting, they kept in touch with us with a friendly email every once in awhile. So when we were ready to buy again recently, we knew where to go. And they did not disappoint. They worked really hard to get us into our dream home and it all went so smoothly. They even recommended an awesome realtor as well. We couldn't be happier. We recommend Hill Mortgage to everyone we know who is even thinking of buying a home. Thanks, Scott and Lisa!

We are incredibly grateful to have worked with Scott and Lisa as first-time home buyers in San…read moreFrancisco! As a top mortgage broker, the Hill Mortgage team has an incredible depth of knowledge regarding the entire process and helped us with a personalized approach towards a loan that fit our specific needs. Additionally, Scott and Lisa stood out with 1) comprehensive 1:1 consultation with us as first-time home buyers, including an orientation on the process and fundamentals of purchasing a home and securing a mortgage; 2) proactive work ethic and always two steps ahead in every step in the process with frequent check-ins (personalized and highly informative video updates, coordination between agents and lender and title company, etc); 3) timely communication and availability with any important or basic questions; 4) incredible ability to close on a tight timeline, while we were on an overseas trip. We would love to work with the Hill Mortgage team again for any selling or buying needs; anyone working with the team would be incredibly lucky!!

I've got nothing but rave reviews for Mike and his team. They have handled a mortgage and 3…read morerefinances for me and my family. In fact, my dad was in the middle of a very slow refinance and Mike was able to get him out of it - at a better rate - and still closed faster than the original. They are extremely communicative, organized, well priced, and they will go out of there way to ensure every question is answered. I recommend them to everyone I know and will use them again if the opportunity arises. This seems like a paid review but I promise it's not. Use them, you will not regret it.

Mike and his team have been tremendously helpful in getting my mortgage refinanced. They are…read moreresponsive, and fight for you for the entire process, no matter how many complications. Like an idiot I purchased a new car in the process of refinancing not thinking how it would affect my debt-to-income ratio. Despite throwing this wrench into the works, Mike's team kept everything moving and still closed the deal with even better financials than originally expected. Cannot recommend any higher.

If you want to have a terrible experience with your loan. This is the right place for you. If you…read morewant to lose the house of your dreams because these guys can't get their shit together, this is the right place for you. If you want to send confidential paperwork via email as if we are still in the 90s. This is the place for you. If you like working with a team of individuals that keep passing the buck and not holding themselves accountable, this is the place for you. Incompetence is the key driver. Be ready for them to let you know they are so busy and it's just how it is with now.

Debi is hands down the best loan officer in the Bay Area. An absolute sweetheart with so much…read moreknowledge and genuinely wants to help. I went through her for my first home purchase as well as Refinanced many times over the years. Simply the BEST at what she does.

I feel so fortunate to have found Scott Wise and Reliance financial…read more Reliance Financial had the best rates for a refinance, that I was able to find anywhere. Scott was so patient and available, through the whole process, helping me navigate different rate and lender credit options, answering paperwork questions, and walking me through each step of the process. In my opinion, the only thing more important than a good rate, is a broker that you can trust, who prioritizes relationship building and doing what is best for the homeowner. I plan to use Reliance for every refinance or home loan I might ever need in the future, which is a great peace of mind. Thanks again Scott!

We got loans done for our business and for our homes. for over 20 years the team here has worked…read moretirelessly to find the best rates all while being incredibly kind, supportive, and attentive to all our needs. Highly recommend. Lucky and Scott have also helped many friends of ours. They will take care of you.

Tom is the best in the business by far. He was professional and helpful. He is doing his best to…read moremake everything as smooth as possible.

I cannot recommend Tom highly enough. From start to finish, his work ethic was truly mind-blowing…read more He is available 7 days a week, often from 8:30 am until 11:30 pm, including weekends and holidays. No matter when I had a question, his replies were incredibly prompt. Beyond his availability, Tom is a fantastic listener. He took the time to hear my concerns and helped clarify every doubt I had about the mortgage process. It is rare to find someone so committed to their clients' success. If you want a lender who is awesome, reliable, and truly has your back, look no further!

As first time home buyers, our experience was AWESOME! Team Excel performed so well!!! I am still…read moreamazed on how swift and painless (as possible) the process was! This group definitely displayed top of the line professionalism, effective communication, and super fast turn around times! I truly appreciated how Shawnacy and Nick were very thorough with every step of the process and went the extra mile to ensure, as first time buyers, that we were aware of every part of the process! HIGHLY RECOMMENDED as they get the job done!!! THANK YOU TEAM ERM!!!

Thank you Team Excel Realty. You guys are awesome!! Shawnacy, Louisa and Nick it has always been a…read morewonderful experience working with you all. Very professional and knowledgeable in the whole process of getting us into our dream house. From the hunting to the final walkthrough you guys helped us on every step towards the approval and closing. OMG Louisa! You have exceeded our expectations by sending us the beautiful canvas artwork for my daughter's room and also the family name printed on the canvas we installed at the entry door. It looks great! Thank you again for making this all happen and we are looking forward now on our future investments with you guys:) The Kumar family.

Absolutely wonderful. We worked with Jocelyn to buy our place in san francisco and it was so much…read moreeasier than i thought it was going to be because of her. She really understood what we were looking for and honestly helped us find things we didnt know we wanted. Was an incredible help navigating the neighborhoods of SF and knowing what the good areas are and what the nice up-and-coming ones are too! If we sell the place sometime in the future im definitely coming back to her! Sure responsive, super helpful, and super knowledgeable. Totally deserves a 5 star review

I used Jocelyn as my mortgage lender and as my broker. Jocelyn grew up in the area so I trusted her…read morelocal knowledge of East Bay for my home purchase. I learned a bunch working with Jocelyn. She was patient as I incessantly asked her questions night and day. I was also surprised at her expertise in market psychology, as she knew the demand for particular styles of houses and what they would go for. I was able to get my offer accepted and not overpay based on her insight. Her experience shows when walking homes and she's able to calculate rough renovation estimates on the spot. Jocelyn is a knowledgeable and honest broker - highly recommended.

Jared helped us close on our first home and hopefully first of many! He's extremely responsive and…read moreworked so well with our relator. Jared made sure to lock us in to the best rate possible (given the market conditions). Not only is he extremely knowledgeable about the markets/rates, he helped us close in 14 days! He made sure to get every single document and piece of information submitted as quickly as possible. I truly feel that Jared made this nerve wrecking process easier for us. Thank you for all your help, Jared!

Some of the reviews for this company specifically from Ben P. and Ern D. are absolutely spot on…read more Wish I would have seen them before talking to these people. These people will push you to get ARMs because they make more money at the backend with ARMs. Keep in mind they are selling your mortgages to the big banks and making huge $$$$$ off them. The only reason why big banks buy from them is because they are selling those loans at higher rates to you. Each broker is making a pretty good commission on ARMs. Ensure that you get plenty of quotes before even getting pre-approved with such mortgage brokers. Definitely recommend getting pre-approval from a well-known bank! This business is basically a honey trap for first time homebuyers or people who don't have enough information about the mortgage business or the housing market. Ask them for details and they will get pushy on you. Pressuring you to close and offering you quicker closing time are some of their tricks to close the transaction. You won't have enough time to delve into the details. Trust them at your own peril! They know and enhance your FOMO as they are constantly creating false impression of FOMO! Remember - You are not missing out on anything, if you miss out on one home that you like, you will find another one. But never fall into their FOMO trap. They have their relatives in the Real Estate business. Husband and wife teaming up as realtor and mortgage broker will take you for a ride that you will regret for life. Be careful and understand every single detail before you ever think of locking your ARM rate with them. They are going to brush aside your questions by saying that these are just standard papers that everyone signs. The hidden numbers are where they will get you! Notice that when you meet these people they will talk more about things that are irrelevant than answering your questions about the loan. This is one more ploy to get you distracted and earn your trust so that they can get you to do what they want you to do. Watch the 2015 movie 'The Big Short'. You will get an idea of how these people reassure you and instill a false confidence in you when you are buying a home. Remember they get their commissions immediately after the transaction closes, even the Title company is out of it. But then you are stuck with a mortgage that could really go south in the long run! Offering you to keep refinancing is also another gotcha as they keep getting commissions each time you refinance your ARM. Also, when they say refinance at no cost to you -- please take time to get a written estimate to understand what refinance at no cost really means. There are several gotchas. I had an awful experience dealing with Cal Coast and I am hoping that this review will help others make a better decision if and when they decide to deal with this company.

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.