This review is for Paul Marshall who was instrumental in getting my wife and I our first home together. Paul was exceptional in every category you needed in a mortgage officer. 5 stars is honestly not high enough for what he did for us. He was efficient, honest and professional in everything he did. He made buying a home for the first time so easy and there were no hidden fees or strings attached! We left our original lender for Paul not only for his superb customer service skills, but also for what he did for us on our loan. He saved us over 0.50% off our loan rate and over 15k in our closing costs! So not only was he better and easier to work with, but he saved us money now and for the future! The cost savings Paul got us let us remodel our house to our liking, so our first home literally wouldn't be the same without him. Paul is without a doubt the best mortgage officer I've ever worked with or known and I would recommend him to all my friends and family members. Paul Marshall and Team - Thank you so much for everything!!! read more

Fremont Bank, I would like to thank Paul Marshal for exemplary work ethic and commitment he put forward when he was working our home loan. He was always able to help, support and educate us. He truly took the time to explained thoroughly the inner workings of the whole process. Paul Marshal is one of kind lender that I strongly recommend. Paul Marshal is an asset to Fremont Bank and should be recognize for his diligent work and his knowledge of home loans. Paul was able to get us FHA approved into our first home as a first time home buyer. He does an amazing job and help us through the process with ease. Paul my family and I would like thank you from the bottom of our hearts for making our dreams a reality. I look forward to working with you once I refi in the future. read more

Recently finalized refinancing with Fremont Bank for the second time. They are top notch! Great rate. Great, fast service and very thorough. Paul was my loan officer and was very easy to work with, highly knowledgeable, and very professional. Everything can be done via phone, email, online. While downloading documents/signing were all very secure, one thing I'd recommend for Fremont Bank is setting up a secure server for uploading as well. Would recommend Paul and Fremont Bank to anyone looking to finance / refinance!! read more

I am beyond happy with the service I received from Paul Marshall. He went out of his way to help me during the process to refinance my home. Any questions I had he would answer them right away regardless of the time. With his help I was able to this process very quickly and efficiently did not run into any problems. More importantly I appreciate that fact that Paul is very honest and is a man who keeps his word. I will definitely recommend anyone and my friends to Paul for the professionalism and transparency he has. Thank you Paul! read more

Very competitive rates! The loan process went pretty smoothly, sure a couple of times I was asked to submit the same document twice but I can understand that as there are literally dozens of documents which are required when obtaining a loan and often times they are time sensitive. Also I believe some of the email attachments are blocked by Fremont Bank IT for whatever reason and that causes some confusion. Ultimately it comes down to who your loan officer is and how responsive/competent he/she is. I was lucky to have worked with John W. and his team and it all went very smooth. Given the very competitive rates I would highly recommend Fremont Bank! Mr. & Mrs. M read more

Paul is a complete professional and takes the time to make sure all your needs are met and does so with patience and the understanding whether a first time home owner or any other situation. The Fremont team walked me through each step and are extremely timely and responsive in times where timeliness is of the essence. Thank you, highly recommended Paul and the Fremont team! read more

Hey Paul! We finally made it!! Paul didnt give up on answering all my inquiries even though its late night and he is out of town. Outstanding customer service. We've been good friends and stayed honest with me the whole time. Paul and I have been trying to find houses for few years and it finally happened. I could not be any happier. Totally and highly recommend Paul and his team. Happy Holidays! read more

Had such an excellent experience with Fremont bank. I originally got my mortgage with them back in 2012 because of their low rates. So since my first experience was extremely positive I decided to return to them to refinance. Paul Marshall took care of me both times, and he made the process so seamless. I highly recommend the bank and if you do happen to be helped by Paul trust you are in good hands. read more

My father, Tuong M Vu, and my mother, Tracy Thuy Vu, worked with Paul Marshall on their loan and equity line. They were so happy with working with him as he was very efficient and very good at his job. They would give him 5 stars for his services. read more

I have gone to Paul Marshall for Fremont Bank for all my loan questions. He is my "go-to" guy and one stop resource. He helped me get into my home with Fremont Bank about 2 years ago. He helped me get out from my PMI situation 1 year later. In fact, he recommended I go somewhere else to get the loan. (I hope that doesn't get you in trouble. ) He makes suggestions based on my needs, and not based on his or Fremont Bank. What a novel idea. :) I recently refinanced my home, this time for a better rate. He and Fremont Bank made it happen. Client for LIFE! Alberto read more

Paul Marshall comes through again!!! When the interest rates were dropping last year I contacted Paul for advice on refinancing my home. He had done such a great job on my previous loan, I knew he would have the answers I needed. Not only did he help me understand the pros and cons of refinancing, he patiently explained all of my options, and my final loan feels too good to be true! I was able to pay off my car, get money out for my daughter's tuition, and my new payment is lower than before. This guy really knows his stuff. His professionalism can't be overstated, and I look forward to referring him many friends and family members. read more

Paul is fantastic to work with. The process was smooth... this is our second refinance loan with Paul and we'd do it again if we have to!! I can't say enough about how fabulous Paul is to work with. read more

I truly enjoy working with Fremont Bank. They never say no to any financial need. My branch mgr name is Greg Lopez he is so professional and respectful he goes out of his way everyday to make things happen. He is mgr of San Leandro branch :however ,since my co is in San Jose he always call that branch and make sure we are taking care of . I am also getting a business loan my loan officer is Nobel Messiah and he is excellent i never seen such a fast and easy loan processing Department . I will recommend this bank to everyone i truly enjoy the first class service. read more

Fremont has an Excellent Lending Group. Paul Marshall, Retail Sales Manager - is very helpful and professional. He'll answer all your questions to help guide you throughout the lending process. Can't really ask for more than that. Paul, I know you'll read this. it was a pleasure doing business with you, again. Will be in contact when ready for another loan. Thank you - John S. read more

I was in a process of getting a loan from this bank. In the beginning everything was great. It's been a month and a half. The loan has not closed. I don't know who hires the staff, but they don't know what they are doing. If you want to refinance your house, don't go to Fremont read more

By chance I found Fremont Bank and worked with Scott in their Orange County, CA office when I was looking for a mortgage loan to purchase a new house. As I talked to Scott about my financial situation and timeline, he gave me recommendation that each of them was doable and achieve which in turn significant increased my chance to the loan application approved. During loan processing and underwriting, Scott continues to be there at every step and I also worked directly with a person that oversees my loan application as well. Needless to say, the experience continues to be flawless and prompt. In the end, my loan was approved under 3 week - if it was not for Thanksgiving holiday, it would have been approved in 2 weeks. This whole process and experience has been very straight forward and no hassle since the beginning. With Scott's competence, I did not feel a bit about the stress of applying a loan. I must say, I was very fortunate to have found Fremont bank and Scott. They made it possible and I would highly recommend them. read more

I am writing this review on behalf of my husband Dan. We closed escrow today. Yay! We previously went with another lender to fund our home loan but considering our bad experience with that company we chose to go with Fremont Bank. Paul was with us through the whole loan process and we are so glad that we went with Fremont Bank. Paul was able to get us over $10,000 in rebates for our home which covered a lot of the closing cost. Paul Marshall was very professional and very informative throughout the whole loan process which we greatly appreciate. read more

This is a late entry but better than never! I sent a message to the general Fremont bank message center regarding my intent to refinance; for lower interest rate (this was on a Friday or a Saturday). The following day, I received an email from Paul Marshall, stating that he was out of town but will contact me when he gets back to discuss the process (he called, as promised)! The process was started immediately and he provided me with all the information I needed. The refinance was approved within a month...how awesome was that!!! Overall, I was pretty impressed with the whole processing and It would have not happened without Paul's help. He was very responsive with all my questions or clarifications. He always answered my calls even if he was driving (Paul - safety comes first..lol!). At the last few days of the process, there was a small issue that requires to be completed to close the escrow...and he made it happened...he assured me that everything will be alright. You are awesome!!! I highly recommend him and Fremont Bank for refinancing and definitely will use them again for any future transactions! Last but not least, I didn't spend one penny for refinancing...no closing costs and now, saving me money every month :) I am one happy costumer!!!! read more

Paul Marshall & his team were incredible to work with. Not only was he professional but he listened to your needs and offered choices of what would fit your needs. Individualized service he kept us in the loop every step of the way, explained the details. Until the magic words.... Funded! I would definitely use them again! read more

John Wheaton at Fremont Bank is a superlative! His ability to listen and analyze my specific needs and structure when looking for a home loan came to fruition yesterday when I signed my loan docs! He listens carefully, discerns what information is needed, and communicates regularly throughout the mortgage process which eliminates any surprises. He is as much friendly, flexible, and innovative. John rescued me from the suffocating grasp of a traditional lender who only saw a one size fits all solution. Many thanks, John! read more

I wanted to refinance my condo, but I didn't know where to start. I asked a freind of mine who is a Real Estate agent if he knew of anyone he could refer me to and he and he referred me to Paul Marshall at Fremont bank. The process cound not go any smoother. From day one everything was taken care via email and electronic signing which made it easy for me especially since I work during the day. The rate was competative and best of all there was "no cost" to me. Paul was very pleasant and friendly and was always on top of things. I WILL definitely recommend friends and family to Paul Marshall at Fremont Bank. read more

After being denied by two banks a friend told me to try Paul Marshall from Fremont Bank. At first, I was skeptical but Paul went out of his way to get me qualified with a good rate and not lender fees. Paul was there anytime I need it him and helped navigate the bank requirements. The only reason I do not give the bank the 5 starts is because the loan processor was a little sloppy and slow but Paul made up for it. read more

Carlton Long and the team and Fremont Bank are awesome! We worked with Carlton to purchase our first home and we couldn't be happier with the experience. As first time home buyers we found aspects of the process a little overwhelming but Carlton was patient and always available to answer questions. My wife and I were actually in a fairly unique situation having just moved from overseas and with a baby on the way. Being able to find and purchase a home quickly was crucial and Carlton made that happen. He never missed a beat and provided us with an incredibly quick turn around. We did our homework, shopped around and found Fremont to offer the best rates. Not only were there no hidden costs but they were forthcoming from start with their numbers. In the end we saved $7k by going with Fremont bank as opposed to another lender we initially had been working with. A huge thanks again to Carlton, we can't recommend him enough. He made it possible to get in our home at record speed and at the best rate. read more

Paul Marshall, what can I say! You are professional, efficient and you always followed up with me even when you were on a business trip. It all started when I was talking to a friend about a refi and he recommended Paul Marshall from Fremont Bank and I can tell you this by far was my best loan experience! The rates are great and the knowledge Paul displayed throughout this smooth process was amazing. I can honestly say this was the best customer service I have received and without a doubt I will definitely refer my family and friends to Paul. Thank you Paul for all your help and making this process so great for myself and my family. You are a great asset to Fremont Bank and I know we didn't have the pleasure of meeting but I wish you much success! I am grateful to my friend who referred me to you and I recommend Paul Marshall for all your banking needs! read more

Paul Marshall at Fremont was BEYOND helpful throughout the escrow and loan fundimg process. As a first time home buyer I had endless questions and he was the most knowledgeable and patient person I've talked to. He even took the time to speak to and answer questions for my Mom.  I've heard so many horror stories from friends who worked with other lenders. I feel truly thankful that I had such an easy and stree free experience with Paul and the Fremont team. They are the best! read more

I used to be a Branch Manager for a bank and until this day family and friends always depend on me for a trustworthy loan referral. I came across Paul Marshall at Fremont Bank only because a friend who works for another large bank was purchasing a home and opted to use Fremont bank as opposed to the bank where he worked. I knew if my friend was seeking a loan elsewhere, then Fremont had to be very competitive. To my surprise, the rates were great at Fremont and in some case were even better than the local banks. i referred my friends, family and clients to Paul and they have had nothing but positive things to say about his work ethic. Paul is extremely patient and very thorough with his information and is always available for questions and concerns. My family is overall satisfied with Paul's service and products and I will continue to refer him as he has proved to be genuine, efficient, honest and effective. If you are looking to refi or purchase, Paul is definitely your go to man. Thanks for all you've done Paul. Keep up the great job! read more

I was referred to Paul Marshall at Freemont Bank by someone who is very difficult to please. Still, I was skeptical. This was my 5th home loan and I don't even remember the past loan officer's names. In fact, I tried hard to forget them. Never had a good experience with follow up, with terms, with customer service. You can imagine my disbelief when Paul called me right back. Then he did what he said he was going to do. He never tried to sell us on anything. I still cannot believe how easy and painless the experience was. He took care of everything. He tells you what he will do and then over delivers!!!! He had our best interest in mind the entire time. We experienced utmost in professionalism and integrity. I will refer Paul and Freemont bank to everyone. Too bad there aren't more Paul Marshalls in the business world! Call him. And don't worry if he's far from your location. You may never have to meet with him in person. He does his job without wasting your time or gas money. 5 Stars PLUS!!! read more

While my first effort with Fremont last year didn't go as well it I had hoped, Tony Vazquez stepped in this year and, as promised, got me a great new rate for my home quickly, easily and at reduced cost. He delivered on his promise to make my refi the best experience it could be. read more

I have worked with Scott numerous times in the past and he is nothing but professional and extremely educated on the loan programs. He makes a point of always being accessible and if not calls back as soon as possible. The clients that I have referred to Scott have all been completely satisfied. I will continue to send my clients to Scott as he is the only loan officer I will use. read more

A family member referred me to Paul Marshall with Fremont Bank when I wanted to refinance my home. From the start, Paul explained that I had a few options to look at in terms of lowering my mortgage and paying off or down on my debt. Once I decided what was best for me, Paul walked me through the entire process. He was quick to respond to any of my questions and, on occasion, there were times when we were trying to meet deadlines and Paul came to my house to pick up necessary paperwork to complete the refi in a timely manner. I am all about excellent customer (client) service and Paul exceeded my expectations. read more