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    HPI Financial

    5.0 (6 reviews)
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    Services - HPI Financial

    Mortgage services

    Mortgage refinancing

    Home purchase

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    Stephen Wong - Bayone Reic - Same

    Stephen Wong - Bayone Reic

    (204 reviews)

    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)

    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.

    Adam made our mortgage process incredibly smooth from start to finish. He was personable, engaged,…read moreand attentive throughout, which made all the difference when we needed to close quickly and this attention helped us feel confident throughout the process. We never felt like we were in the dark about what was happening - Adam kept us informed with clear updates and always responded promptly when we had questions. He promptly kept our escrow agent, our realtor, and the seller's agent up-to-date so there was never any question that closing was moving forward and on schedule for our quick close. The whole experience felt effortless on our end because Adam clearly put in the work behind the scenes. Would definitely recommend him to anyone looking for a loan officer who actually cares about getting you the right deal and closing smoothly and quickly.

    Flyhomes

    Flyhomes

    (188 reviews)

    Leann yang was extra patient and traveled distances just to find me and my husband the perfect…read morehouse! She was able to help us get a cash offer on the house we wanted so we didn't have to wait to put stuff in storage before selling our previous house. Got approved for the house within days. I appreciate it thanks!!!

    We had an amazing experience working with our real estate agent Leann Yang at Flyhomes. As a FTHB,…read morewe were very new to the home buying process. From day one, she was incredibly responsive answering our questions day and night and went above and beyond to help us find the right home. She not only explained the process but also made sure we understood and retained the information. She worked effortlessly to show us properties that matched our needs and stayed within our budget, all without ever making us feel pressured to settle for something we didn't want. We truly appreciated how she guided us through every step of the process, going above and beyond to explain each contract. She communicated clearly and consistently, not just with us but also with her team, our lender, and the seller's side. We were very impressed with her due diligence. Thanks to her organization and dedication. We were able to close in just 15 days with everything done on time and with care. Most importantly, she truly advocated for us. Whether it was negotiating or ensuring all our concerns were addressed, we always felt like she had our back. We're so grateful to have had her by our side during this new chapter in our lives and would highly recommend her to anyone looking to buy a home!

    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 May 2026

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