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.

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.

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!

Chuck Green helped us find a 2nd loan on for a deal that most other brokers would not even…read moreconsider. After wasting my precious time with banks and other mortgage brokers I was so happy I finally found Chuck. I was very impressed with his network of investors and his ability to find lenders who actually wanted to provide financing for me. I have personally recommended him to friends and feel good about giving him 5 stars here. Thanks Chuck!

Chuck Green is the best! I have relied on him to help me with several refinances because my…read morefinancial situation is a bit tricky for most lenders. On the last refinance, as with the previous ones, he worked very hard to get the timing right for the lowest rate possible. He was always very responsive to questions (usually responding almost immediately, even on weekends!) and offered suggestions and good advice to make the process go as smoothly as possible. He kept me well informed and virtually held my hand throughout the entire process. This was in addition to getting me a very favorable rate with low closing costs. I have full confidence in Chuck's honesty, integrity, and dedication to his clients.

Ryan was incredibly knowledgeable and patient, got us an amazing rate (especially with these crazy…read moreinterest rates), and helped us understand a complex mortgage setup to get us the most savings possible for our situation. Ryan was extra helpful, even with our clumsy paperwork submissions, and always got back to me within a day. We had a pre-approval letter in hand within a day or two. I don't know that we could have found the deal that we did and closed so quickly with anyone else. I highly recommend him, especially if you're first-time homebuyers like we were.

My family and I are not in our beautiful new home today, if it weren't for Ryan Dang... it's that…read moresimple..., and we thank him ever time we get the chance. I've worked with many excellent mortgage professionals in the past both personally, as a homeowner, and professionally, as an insurance agent. My experience with Ryan couldn't be better. As previous stated by Yelpers, Ryan is super friendly, even-keeled, smart (University of Notre Dame grad with big 3 accounting background), very experienced, helpful & available, and as patient as they come. He was able to get us pre-qualified, help us establish our purchase budget and get us the absolute best rates and terms possible. We found the online technology WF is using to be very convenient for uploading the needed documents and keeping track of the process. In this ultra competitive real estate environment, you really need to have every edge possible when presenting an offer... The best, most well-connected Realtors and the best Mortgage professional. The home we bought was an end-of-year listing and the seller had to close very quickly for tax purposes. Because of Ryan's preparation, knowledge, relationship with his underwriters and his clout with the Realtors involved, our offer was eventually accepted over the others. Even when there was a brief counter-offer situation, I called Ryan with my concerns (in a panic) and he was able to calmly talk me off of the ledge. We were able to close in a very short period of time, even sooner than requested, and all of the parties involved were very happy. The rest is history. I know he's a busy guy due to his popularity in the professionals / family community, but he always made us feel like we were his only customers. I'm also pretty sure he doesn't need a Yelp but when you're that good to your customers, you're getting one from me anyway... and with that, a massive Thank You, again!

I absolutely love this place! In particular, Christina Znaor is incredibly knowledgeable and kind…read more She explains things clearly and ensures that I understand. I recommend to everyone!

I had great service and experiences with Stephen and found out recently that he might not be with…read morethe company. He was one of the most qualified and best people that I have worked with and super knowledgeable and always friendly. For a company to not value and promote someone like that is a disappointment. Recently, coming into the branch, I feel that service has declined quite a bit. It feels like the team, other than Christina, doesn't want you there. I have been a long time Patelco member but will definitely be switching after what I have seen.

To put it simply AJ Lehr and the whole Lehr Real Estate team are the best at what they do. AJ went…read moreabove and beyond to help my wife and I find a house we liked in our budget. We found our dream Home on a Sunday afternoon and they were reviewing offers first thing Monday morning. The stress began to set in thinking we were going to miss out on this house. 10 pm rolls around and AJ is at our house contract in hand to make sure our offer went in first thing in the morning. Once our offer was accepted AJ and his team always kept in contact every step of the way until we closed. If you're looking to buy or sell a house give AJ a call

From the owner: AJ Lehr offers exceptional service when buying or selling Real Estate. His approach of using the…read morelatest, and most highly effective sale strategies is what makes working with him easy, exciting, and less time-consuming. By utilizing the best resources, and providing expert negotiation skills when it comes to assisting sellers, buyers, renters and investors, there is no doubt that AJ is your one stop shop for anything Real Estate. Aj's tenacity and competitive spirit is what keeps him on top in the market, and his clients thrilled by the results. Contact AJ today to book an appointment or a free analysis of your home.

Wilson Chiang helped us get a loan for a home in the Bay Area. Our situation was very complicated…read moreand required a lot of back and forth communication with the bank. Wilson helped us a lot during the communication and facilitate the entire process. During a time when banks' lending practice is almost unreasonably tight, Wilson was able to move the loan application through the process and eventually fund the transaction. The complexitity of our loan was pretty extreme and if Wilson can get this loan approved and funded, he can get any loan funded! If you don't want to risk having your loan fall apart at the last minute and lose the home that you want, talk to Wilson. He is the guy to help you!

Wilson helped us refinance a number of times over a 25 year period…read more Always professional and always looks out for us.

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.

Jeff is one of the best loan agents that I have ever done business with. He was able to get me a…read morerefinance for my multiple rental properties and deliver as promised whereas other loan agents have failed. He saved my failing refinance from my previous loan agent and we were also able to use the previous appraisals that were done at the properties, thank goodness. Jeff is not only patient and explains every question you may have in detail but responds very timely and has a great team behind him, especially Alexis. The entire process was very streamlined and I was kept in the loop with no surprises all the way from the start to closing. No words can describe my appreciation for Jeff, and I will definitely be back for more refinances or any other loan needs. I highly recommend giving Jeff a message if you have any loan needs, he won't disappoint you!

Jeff and his team are amazing . Doing a refinance can be stressful but they are open , honest ,…read morewith good humor and efficient which made our refi experience easier to handle and smooth . I highly recommend HPI Financial .