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San Carlos, CA

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HPI Financial

5.0 (6 reviews)
Open • 8:30 am - 8:00 pm

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Jay Sondhi, Fifth Third Bank

Jay Sondhi, Fifth Third Bank

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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.

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.

Adam O'Donnell - JP Morgan Chase

Adam O'Donnell - JP Morgan Chase

(23 reviews)

I recently worked with Adam on funding a loan together. Everything is top notch from knowledge,…read morecommunication, and attitude! I would strongly recommend Adam to anyone looking for assistance with anything mortgage related! The process was smooth from start to finish and we closed on time as expected. Thank you, Adam!

Adam and his team are absolute rockstars when it comes to getting you into a home. Our loan process…read morewas particularly complicated, but Adam's professionalism, creative problem-solving, and calm persistence carried us through every hurdle. What stood out most was how quickly he picked up the phone whenever an issue arose. Rather than letting problems stall or jeopardize the process, he worked with us immediately to resolve them and keep everything on track. Beyond his technical expertise, Adam has a rare gift for breaking down complex financial details into clear, understandable information. He never rushed us, and always took the time to explain our options so we could make confident, informed decisions. What truly sets Adam apart is how personally invested he is in his clients' success. We never once felt like just another file on his desk; he made us feel like a priority from start to finish. Thanks to Adam and his team, we were able to buy our dream home -- and we know it would not have been possible without them. We wholeheartedly recommend Adam to anyone looking for a loan officer who combines expertise, integrity, and genuine care for his clients.

Flyhomes

Flyhomes

(188 reviews)

LeAnn Yang was an absolutely excellent Realtor and we feel so fortunate to have had her by our side…read morethroughout our home-buying journey! She patiently answered our many, many questions, was always responsive and available, and even made herself available to be present for inspections when we couldn't be there ourselves. Her level of service truly felt like concierge-level care from beginning to end. Beyond being highly knowledgeable about real estate, LeAnn is professional, ethical, communicative, and genuinely invested in her clients. Buying a home can be a roller coaster ride with plenty of ups and downs, and LeAnn helped guide us through every step. She made sure everyone involved stayed informed, communicated with one another, and remained on the same page so that we could successfully close and finally get the keys to our new home. We are so delighted that we chose LeAnn as our Realtor. We would wholeheartedly recommend her to anyone looking to purchase a home or navigate the real estate process. She is the kind of Realtor you want in your corner!

We worked specifically with LeAnn. She's an amazing person. Very understanding, kind, supportive,…read moresoft spoken, and listen to our wants and needs. She valued our time, and knew what we were looking for and respected our budget. Right when we got approved for our hosting program, she dived right in and did her part. She's quick and fast with her service and replies. She got her team right on everything we wanted. Would I recommend her? Oh I would highly recommend her. No regrets. We closed on our house last month, and couldn't be more happier. Thank you LeAnn!

Eileen Horan Mackenzie - Guaranteed Rate

Eileen Horan Mackenzie - Guaranteed Rate

(24 reviews)

My husband and I worked with Eileen last year on our first single family home purchase. Knowing we…read morewere up against the toughest housing market in the country, we were thankful to have Eileen on our team. We started the process with her in May of 2016. Eileen's communication was clear and concise, making the complex process as smooth as possible. She was also accessible and responsive at all times and had everything prepared when presenting offers. An offer was accepted in November of 2016 on a beautiful home we never thought we would own in the Bay Area. She quickly guided us through the closing process and the endless paperwork. Although stressful, it was seamless and quick under Eileen. Most impressive of all, she was able to secure our loan in under thirty days due to a demanding seller. I absolutely recommend Eileen as she goes above and beyond for you. She will be there at every step of the home buying process and was even present at our escrow signing! I would definitely work with her again.

I am BACK to continue to sing the praises of Eileen!! She is truly the best!! Eileen has been with…read moreme since Day 1 of my home buying, selling, and now looking to buy again and I could not feel any more comfortable or safe... This market has been so overwhelming and Eileen has really helped me to see exactly what I can manage---She is reliable and very responsive all the time--I sometimes feel like I just need to send her a note to calm my nerves. Eileen is an expert in her field and goes out of her way for her clients. I recommend her to everyone I know!

HPI Financial - mortgagebrokers - Updated October 2026

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