Used them for two refinancing, can't beat the cost they give you. Shop around and confirm for yourself, these guys saved me more than Geico could. Googain seems more appropriate if you're somewhat familiar with home financing. For your first home purchase you may want someone who can walk you through the process and help you understand everything. read more

Our finance journey with ShirleyLu at MaxReal has been exceptional. Whether we were doing a purchase or a refinance, Shirley maintained an impressively high level of professionalism. She treated us with respect, took time to understand our goals, and executed everything with precision. Her service is timely, clear, and reliable--instilling a sense of security in an area that can often feel complex and overwhelming. If you're seeking someone who truly puts your interests first, Shirley is the one. read more

Bad broker company ever. Don't follow up mortgage process and keep asking the same documents and look like first time to do the finance . Do not trust the yelp review, it's fake . read more

Never heard of this company before. Not gonna lie at first it sounded a bit sketchy. But May walked us through every step of the process while being extremely patient. In the end we refinanced with Googain with extremely competitive rates, no fees, and May even managed to cover my appraisal fee from another bank from a previous refi that didn't go through Would work with them again 10/10! read more

Absolutely THE WORST refinance experience!!! I decided to refinance my condo at the beginning of this year and chose to work with loan officer Wayne Ma from Googain through a personal connection. He told me everything I wanted to hear such as good rate, low closing cost, and promised me that we'd be able to close within 30 days after we locked a decent rate at the end of January. It turns out nothing he promised was true. What I learned was that this loan officer was very unprofessional, incompetent, condescending, and dishonest. He was never on top of things to keep me in the loop and there were lots of back and forth on different matters. He would ask for certain documents from me when I had already uploaded them on day one. So he never even reviewed them! I often felt like I had to call and message repeatedly to find out the status of my loan application. He also promised to close by the end of February but that didn't happen. I should have walked away after seeing these bad signs but I was determined to close the deal so I sucked it up and continued to work with him. Huge mistake!! Then it's March. The day before I was supposed to sign my loan docs, I still didn't know the exact closing cost. Normally the loan officer would send a copy of the closing statement from the title company to the client but not in this case. He basically said to me that I'd know the cost when I meet with the notary. I was so shocked. How I'm supposed to sign without knowing the cost? What if I don't agree with or have questions about some of the fees? Even the notary was surprised and said borrowers would most definitely have seen these documents a million times before they sign. So he finally agreed to send me the closing statement and of course there were charges I didn't agree or had questions of. After that was resolved, I met with the notary and signed the documents thinking that'd be the end of it. I was wrong AGAIN!! After I wire transferred the full amount of the closing cost to the title company, my loan officer disappeared. I called and texted him for at least 20 times throughout the day. No response. I had to call the title company myself to find out the funding status of my loan. The title company told me that they had not heard from my lender either. Finally he called me back at 9pm and told me that they would not be able to fund my loan until 5 days later. By then my rate would have expired. I was beyond furious!!! He never apologized for not returning my messages and calls and simply brushed it off saying he was busy working. He even asked me to wait until my rate lock expires which would incur hefty fines that he said he'd waive. I just could not listen to more of his lies!!! I canceled my loan immediately the next day as borrowers have 3 days by law to cancel the loan without any penalty. I got my closing cost back from the title company quickly. Although I paid a condo certification up front which he promised to reimburse the cost but never did!!! This lender and this particular loan officer wasted all my precious time and money. I can't imagine their business would be able to survive with this low level of service and ethics. I would not recommend them to my worst enemy!!! STAY AWAY!!! read more

Zhaoyi Jessica Liu is a such knowledgeable and pleasant agent to work with. I'm very happy the rates that she helped me to get in the past and this year as well. She was referred by a family member, and now I'm proudly to refer her to my friends. read more

Magic Li has been very helpful on our home refinance process with Googain recently. When the mortgage rate fell to historical low point recently, we decided to take this opportunity for refinance and would like to find someone we can trust, whom Magic has been for us. The proactive updates on daily/weekly rate change and the recommendations she provided to us has been instrumental for our decision making. We were able to achieve the desired mortgage rate and save a considerable amount per month after all. The underwriting process within Googain seems to be pretty rigorous, requesting a comprehensive list of supporting, which I feel shows a good quality loan process that a leader company needs to have. read more

A business takes care no good of customer, bad attitude and blame customer. Manage know nothing about case, customer service doesn't response. read more

I was referred to Fiona by my agent. Fiona was so helpful from day 1. She lead us every step of the way during the whole process. She worked very hard to close our loan on time. I even lost hope to close on time. But she made it happen!! I am so thankful for everything Fiona and her team has done for us!! I would recommend Fiona to anyone!!!! read more

Very shady practice. I was in an escrow for my son's new house, and Googain's Fay and Grace would drop off the radar oftentimes when we needed updates on the underwriting. They created unnecessary tension between all parties and failed to close on time. We had to beg for an extension from the sellers! read more

I am very satisfied with the rate and services I got from Googain. Stephanie Xu is the best loan officer you can have. She is professional, very responsive, and detail-oriented. She answers my calls and texts right way all the time and explained the process patiently to me. I have had a very smooth escrow closing for my new house thanks to Stephanie and Googain. read more

The worst lender ever that I have been seen. Working unprofessional and rude customer service. We've been asked for unnecessary documents and made us very stressful through the entire loan process. Once we got our loan then they sold it to different lender. Do not recommend. read more

Mariany Ramli was very thorough and led me through every step of the refinance process. It was a great experience! I would use her again!

Sunny Yo never gave up on my case. I happened to have a most difficult loan to get approved. She came to my rescue and my days became Sunny again. Truly amazing character she is the most kindest.. honest.. person I had an honor to meet. She is an excellent listener! She does her best to understand and work on your needs. I am consistently referring Sunny Yo, my true friend plus agent to people seeking help on their mortgage solutions. Thank you Sunny very much for your help and friendship!! read more

I had the pleasure of working with Hong as my broker. As a first time home buyer, I had no idea what I was getting myself into. The amount of paperwork and documents to submit was highly confusing to me. Hong took the time to talk me through, explain every little detail, and present different mortgage options to pick the one that was most suited for me. With the competitiveness of home purchasing in the bay area, speed and responsiveness is everything. Hong was there throughout the process regardless of the business hours. I ended up getting a fantastic rate with all the first time home buyer benefits. If I ever purchase another home, this is the place to go! read more

Hong is great getting my refinance done. Responsive, details in the explanation and patient. Both thumbs up. Recommended.

It's my first time in life buying a Home, my friend introduced Shaodan to me since she helped them when they refinance their home for a better rate. I really glad made the decision to let Shaodan help me for the whole process!!! Pre-approval letter came in a really short time, and make me able to send offer to seller as first few buyer. During the purchase they offer a very competitive rate at the time. I do struggle a little bit for the closing date, due to seller supplied wrong HOA document, but Shaodan continuous helping me to get right document and pushing for the whole process, that makes everything happen at the end. To sum up, wonderful experience with true PROs in the field. If you ask me will I choose Googain again if I need any kind of mortgage or loan, the answer is yes, period. read more

I had the pleasure of working with Hong Hu to purchase our first home . I am a first time home buyer, and I have a bad credit score so I worry a lot about my housing loan. Now I just received the great news "we got the Final Approval !!!". During this period hong helped me solve several key problems. Hong are so trustworthy and professional. I was shopping at least five banks for my loan. I'm so glad we finally decided to work with Hong. read more

Hong from Googain has great knowledge and speed of service. He helped us refinance with ease as this is the third time for us to refinance with lower rates. He was able to keep great communication with rates dropping via email with me and ensure that he locked down the best rate possible. read more

Sunny Yo was an absolute pleasure to work with. I was a first-time home buyer and I am so grateful to her. She is the type who will always fight for you and will guide you every step of the way. I needed a loan to purchase a house and Sunny helped made that happen. Despite the bumps in the road, she swiftly found solutions and gave us good advice for our situation. The way she competently handles things calmed our worries. She truly is an empathetic and trustworthy person, who worked tirelessly for me and my family. Sunny is transparent and patient; she explains the benefits and drawbacks so I could easily understand. This helped me make informed decisions. She is also a great communicator with a great sense of humor. She just makes you feel so happy whenever you talk to her. Her positivity is infectious. I will definitely come back to Sunny for future financing needs. She is so personable, proactive, speedy, and an expert in her field. I refer my family, friends and co-workers to Sunny Yo. read more

Fiona Xiao helped us with our housing loan. I'm so glad with having Fiona as our loan agent. She was super professional and patient. Any questions we asked always got addressed in seconds. Fiona was so on top of things, which gave us a worry-free experience during the deal closing process. I'll definitely recommend Googain and Fiona. read more

I had a great experience with Kay Younsil We who helped me on purchasing my first home in Bay Area. Although I had really no idea about getting a mortgage, they did a great job to close the deal. I'm very satisfied overall and I highly recommend them. read more

Hong Hu helped us on the mortgage process of our first home purchase. He is very professional and experienced, and super responsive regardless of business hours or evenings/weekends. It was a newly built home that we were purchasing. Initially we were solely working with the builder's mortgage company, when the final interest rate was revealed 30 days prior to the closing date, we were so surprised as it was much higher than what we expected. Apparently we were freaked out, but we decided to try our luck with Hong, as our friends referred. Hong said he would try his best, yet he did not promise he could make it and he suggested me to work with my previous mortgage company simultaneously -- that is one thing that I like Hong, obviously there are lots of uncertainties through out the mortgage process that are beyond his control, and he will not make his promise until he is 100% sure, which helped us a lot to get well prepared in advance. Within less than 30 days, Hong put tremendous efforts on our case. He was able to tackle all the difficulties, such as retrieving the needed paperwork from the super unresponsive builder and HOA insurance provider, and working with the inefficient escrow company. With all his help, we were able to close on time with him, with 0.5% interest rate lower than the initial one. We are 120% satisfied with Hong's professional service, and we would like to recommend him to all future home owners. read more

Sarah is a smart, ethical, and kind caring person who really gets who we are. Since my first experience working with her 14 years ago I always call her when I need a loan. She is totally transparent and doesn't miss a thing. I feel comfortable knowing I got the best rate and service. Highly recommend her ! read more

This review is for Carey He. She did a good job and very considerate service. She provides me with variety of mortgage plans and good suggestions to help me walk thru the hard decision. read more

My husband and I were looking to refinance our home mortgage, so we decided to contact a couple of loan consultants. Lillian Luo came highly recommended, so I called her and she immediately gave us a great interest rate. She gave us guidance on what we needed to fast track the process, which took about two days after we submitted our paperwork to her team. Whenever we had a question, Lillian would get back to us right away, and she would contact us if anything was urgent that needed to be taken care of. Although there were a couple of issues with our documentation, she and her team made sure to get them rectified. The process was seamless, simple, and fast on their part. It was wonderful working with Lillian, who is professional, patient, and knowledgeable, and her delightful team. We would definitely recommend her to family and friends. Thank you, Lillian! read more

Hong helped us with the loan process. He is very professional, experienced, knowledgeable, responsive and dedicated. He has done everything he could to provide us with a very smooth loan application process. As first time home buyers, we were really nervous about the loan. However, working with Hong has made it so much relieved. We were very lucky to have worked with Hong. I recommend Hong to any home buyers without any reservation. read more

We got introduced to Googain through our real estate agent. Ivy was our loan agent who needs specific mention here for the extent she went to help us go through the loan process within a fixed time frame we had due to various reasons. The timeline starting from our home escrow opening to the closing took about 15 months - making the home loan process more challenging as the home loan processing could only start 1 month prior to closing - we had to provide statements - explain transaction and activities with LOE etc - this was our 2nd home buying - but this was the most tough of all given the nature of things as mentioned above. There were days when Ivy had to stay late in the night and over the phone painstakingly explain details and went above. read more

I have done refinance for 10+ times and this practice is the worst ever. 1. Slow, unresponsive. Documents or info were sent and didn't get reviewed for days and then they will come back and asking for same info again without checking your original email. This happened maybe 30+ times throughout the refinance process. 2. Rate is not so good comparing to others 3. Totally unprofessional, especially from Grace. In the last week of closing even after signing the loan docs, every single day she asks for new info or documentations that were either sent before, or didn't explain why its still missing at this last stage of loan. This is again the worst refinance experience ever. I totally not recommend going with Googain at all. Save your time and energy to go somewhere else. read more

I have had the pleasure of doing business with Hong Hu twice now; once for a refinance and another for a primary residence purchase. Both times, Hong has impressed me with his attention to detail and commitment to customer service. He's incredibly responsive and a great problem solver who does a great job of insulating clients and simplifying a process which could otherwise be very stressful. On top of all this, his rates can't be beat and fees are either reasonable or more likely covered! read more

This review is for Shirley Lu. As first home buyer, I don't have much experience. Initially I chose the builder's lender Pulte Mortgage which gave me a late notice that the load cannot get approved because my credit score went down a little bit 1 month before closing date. I was mad about them because of this late notice. However, I found Shirley from Googain. Shirley helped me with the loan process in a very short period and close it in time. She is very knowledgeable, responsive and dedicated for my case. She helped me to rush other dependent department to finish my loan as soon as possible. I am really happy with the services. Will recommend her to others' home buyer. read more

Ivy has been our mortgage consultant for the past 3 years and have always gotten us the best rates/programs that fits our needs. From helping us get our first mortgage loan, to refinancing and buying our second home (forever home)- Ivy has been there for us every step of the way. read more

I have been known Sarah Kim for more than 15 years and she is the one who always there for me when I needed her help & support till job to be done. Full 100% of credibility to her professionalism & her consistency. Recommend if you need any kind of LOAN in any cases. read more

We're very much appreciated our loan agent PEONY HO to help on getting the mortgage in place and rest assured we will recommend you to anyone we know that is looking for a mortgage broker. We found your services to be very professional, which was a relief giving the many less than professional brokers in the business. Many thanks again to Peony BUCK BACH read more

We had recently another refinancing deal done with the help of Mrs. Li Jin. As she is so familiar with our case of refinancing that we almost did little before the whole refinancing process was completed. As I understand her, she is courteous, friendly, knowledgeable and above all professional. You just provide what is required of you and let her handle the rest. And then you are done. If I do refinancing again, she is definitely the first one that I would think of. So I strongly recommend her to any one of you who would refinance your homes. Thanks again to you Mrs Li Jin. read more

Hong Hu just helped complete a refi for my home and my parents. He is always professional, responsive, and making sure all the paperwork is in order. He lets me know each step of the way and never left in the dark. I have recommended him to all my family and friends. read more

I have refinanced both my primary home and rental with Hong Hu last year and this year. Both of these two refinance went through smoothly. I got very good mortgage rate with no cost. My payment went down quite a bit. All process were done online. I highly recommend Hong. He is very honest and diligent. He is very knowledgeable and great personality to work with. He always responds to my questions promptly. I have referred some of my friends to him. Thank you Hong! read more

I contacted agent Lilly Luo because one of her previous clients recommended her. Now I want to recommend her from my own experience. She is very professional and experienced. She delivered all the thing she promised. Whenever we had a question, she would get back to us right away, regardless of business hours or evenings/weekends. And she is very patient. We would definitely recommend her to family and friends. Thank you, Lilly! read more

Refinance with googain. Most of process went smoothly without direct contact. A bit slower, but no complain for that. The interest rate compatible and no point with no cost and no penalty. I am happy to work with them. read more

I thank Mariany Ramli for helping me throughout the refinance process for my condo. She is very professional and experienced, and was very responsive to all of my questions. She locked down the best rate possible for me and was very kind in offering me a huge lender's credit for being a first-time customer. I highly recommend her because of the great experience I have had in working with her. read more