Nhan Cao is an incredible mortgage broker! He made the impossible happen and got my loan approved…read moreand closed while I was literally in the hospital about to give birth. We officially closed on our house the same day my baby was born. Talk about stress-free and reliable! Nhan was professional, responsive, and on top of every detail. I couldn't have asked for a better experience and highly recommend him to anyone looking for a smooth and trustworthy mortgage process. Will be referring him to everyone!

Nhan and his team are absolutely amazing to work with -- truly the best in the business! They are…read morehighly knowledgeable, experienced, and take the time to patiently answer all of my questions while walking me through every step of the process, from refinancing to cash-out to new loans. I've worked with Nhan on multiple transactions, and every time they deliver with record speed -- closing in as little as 18 days! If you want a smooth, stress-free loan process with a team you can trust, Nhan is the one to call.

Esther and her team are amazing! We got a terrific rate and closed on our home a few days ago…read moreafter 5 years on/off trying. Essentially we worked with Team Esther 3 times, because after failing to buy a home and taking a break, each time the financials would have to be reprocessed given our life changes. But we stayed with them and they stayed with us, always with an open door and a welcome back. I can say from time tested experience how consistently reliable, accessible, and knowledgeable they are! Would highly recommend.

We had a really great experience with The Loan Story! Esther and Yvonne were super helpful during…read morethe home search process and were always quick to answer our questions. After we were under contract Yvonne provided great insight on mortgage rate trends and Paul helped make sure the process moved along smoothly. They helped make buying our first home much less stressful!

Bob is great. All I can say is, he will make it happen no matter what the situation is.read more

Bob has continued to harass our family after we've asked him not to contact us. When he left NAF…read moreand went to another outfit, he took our information and started spamming us from the new organization. Now that he is back at NAF, he has started doing the same thing again. We've unsubscribed, blocked and he still manages to access us since he is doing it outside of the NAF channels. Now, he has signed us up for Homebot, which is something we never authorized. Taking someone's information and signing them up for things that they didn't authorize is a violation of the California Consumer Privacy Act. I've gone ahead and reported him to NAF a third time, contacted an attorney and will be filing a report against his license on Monday. I've given you several opportunities to stop harassing us. I have every text, email, and snarky voicemail saved. If this is the route you want to go, I'll be happy to follow through. Final warning, Bob.

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

Duc and Dean are both professional, knowledgeable, friendly, and highly responsive. They were…read morealways available to answer my questions and provide support, especially Duc, who even worked weekends and late hours to accommodate my needs. As a first-time homebuyer, I initially felt overwhelmed, but they guided me through the entire process and patiently answered all my questions, helping me feel at ease and reducing my stress. They took the time to understand my needs, explain the different loan programs, and help me find the right option. Although we never met in person, their warmth, kindness, and genuine care made me feel as though I had known them for a long time. Their dedication, patience, and outstanding customer service made my home-buying experience much smoother and less stressful.

AVOID!!!Totally incompetent mortgage lenders. avoid jennifer kirby at all cost shes a dimwit who…read moredoesnt understand how loan structures work and cost me thousands and months of lost time!!

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.

Here is my new update five years later. I went back to Shawn in Jan 2021. I was hoping to refinance…read morethru my current lender to make things easier. It didn't go well as I expected. After consulting with Shawn, I was much happier. I recalled the great experience with Shawn five years ago. And I didn't waste time shopping around. Shawn is an exceptional broker. He is fast to respond to any questions I had and always being so patient. He always provides in front with different options illustrated by clear graphics and worksheets to compare, which is extremely helpful and efficient. He never rushes his clients and always waits patiently to let his clients make their own decisions. He provides his clients very competitive rates. When siting down with our notary to sign paperwork, our notary also told us how pleasant to work with Shawn and he has always been impressed by Shawn's efficiency and clean numbers. Shawn is a perfect example of a five-star broker, who has top-notch knowledge and provides top-notch customer service. I could definitely recommend Shawn to everyone I know.

We were first-time homebuyers and were pretty overwhelmed with the home buying process, but Taylor…read moreand Shawn at C2 Financial made the whole process feel easy and pretty straightforward. They were very responsive, kept us in the loop throughout the entire process, and explained everything clearly. What we really appreciated was how much they handled behind the scenes, which made things feel so much smoother on our end. They were great to work with, and we'd definitely recommend them to anyone going through the mortgage process!

My husband and I worked with Kim and Sheila to buy our first home, and both were phenomenally…read morehelpful throughout. From the beginning to the end of our homebuying process, they were informed, communicative, and amazingly resourceful. As newcomers to the homebuying process, we had a lot of questions; they answered promptly and thoroughly every time, always in terms we could understand. Ultimately, we closed on our new home without any major issues along the way, and I don't know how we would have done it without their genuine kindness and support. Also: if you are an animal enthusiast, ask Kim about her dog to receive some extremely cute pictures guaranteed to take the edge off the stress of buying a home. We would not hesitate to recommend Kim and Sheila to anyone buying a home in the San Francisco Bay Area - it is hard to imagine a better experience than the one we had. Thank you, Kim and Sheila!

Sheila and Kim are hands down some of the best loan officers I've worked with…read more They helped my client purchase his first home smoothly and closed the transaction in under 18 days on a nearly $900K deal. That kind of speed and execution is rare. Their process was incredibly streamlined, communication was clear throughout, and they stayed on top of every detail from start to finish. Most importantly, my client felt supported and confident the entire time, which made a huge difference for a first-time homebuyer. As the realtor on the transaction, I truly appreciate their professionalism and efficiency. Looking forward to many more deals together.

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.

Zack made my investor loan process smooth and stress-free -- responsive, professional, and always…read moreon top of things. Highly recommend him to anyone financing an investment property.

We had a great experience working with Jerry Greer on our home loan. He was knowledgeable,…read moreresponsive, and always willing to answer our many questions, which was super important to us as first-time homebuyers. Jerry went above and beyond to help us submit timely offers, secure a great interest rate, and close on time. Thanks to his support, we felt confident throughout the process. We highly recommend Jerry and the Mortgage Outlet.