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.

Top notch mortgage banker. I have known Sean for last 5 years across his 2 firms and taken 2 loans…read morewith him. Cant recommend him highly enough. Super transparent, never pushy, always delivers on his promise. He cant change the interest rates that Fed or his bank decides :) but for everything else "Better call, Sean"

Sean is very good at communicating on whats happening through out the loan process. He also went…read moreabove and beyond to get us a good deal.

Nelva has magical powers. Yes. Yes, she does. Initially, we were working with the guy who…read moreusually handles our loans, but then he told us that what we wanted to do was impossible - buy a house and then sell our existing home. We knew it was going to be extremely difficult to sell first and then buy, as our toddlers make a mess of the house daily. There was no way we would be able to have nice "open houses" and sell our house prior to purchasing a new one. Our real estate agent put us in contact with Nelva and she made everything work! Nelva was fast, efficient, and friendly. I am pretty sure we have a record time for closing on the house that we purchased. It happened in a snap. Really. She is also very easy to contact, which totally helped keep the whole process feel a notch lower on the stress factor - a bonus when you're in the middle of trying to buy a house. Any time we had questions or wanted updates, we knew we could call, text or email. Her responses were immediate. She was amazing. If you are reading this review, you are done searching for the person who will help you with your loan. She is that person.

Nelva provided me with exceptional customer service on the purchase of my new home in Livermore…read more She was very thorough and detailed, responded quickly to my questions and she is a very sweet person. I highly recommend Nelva for your mortgage needs. I have high expectations and she met them.

I want to personally commend Lady DeLeon of Warmsprings Branch for her excellent customer service,…read moreand her eagerness to help my company in all its accounts. She would go out of way to assist me in all my personal accounts as well. She is a good asset of the company. Jocelyn Espejo, CFO Parktown Dental Care

We opened a HELOC to make major renovations to our home. Initially, the loan agent was pleasant to…read morework with. After the initial submittal we had more and more requirements that came up during and even after the close of the loan. Communication became very frustrating and inconsistent. We are happy with the rate but unhappy with the overall process and experience.

Very simple, quick process for HELOC application. 98 percent was done online ( both laptop and…read moreiPhone). The entire team from Fremont Bank worked very closely together. Start with Trevor Redmond, Reveline Velasco and Honeyleen Cramer, they led me thru the entire application process. Very efficient team to handle the process. On top of all the goods, signing (notary) is also very quick and easy. Banking side : Lindsay Horgan is awesome. Explained to me the online open account process If I need any HELOC help in the future, I will definitely come back to Fremont Bank. Thanks everyone.

I wanted to give 0 star…read more The worst bank ever. Staff at 3909A Decoto Rd, Fremont, CA 94555 Fremont Bank branch make comments behind your back telling the other person not to serve you. If you go towards the closing time, they will make some or the other excuse to not serve you even if you are there couple of mins before their last serving time. Their current staff: the lady manager in glasses, 2 Mexican managers, the new white boy on the counter, should all be replaced and not be allowed a customer facing role anywhere else. I am hoping the upper management looks into this and takes serious action.

I just closed my refinance with Diversified Mortgage. Neil Tannenbaum was my Loan Agent. He was…read morehighly recommended to me by a co-worker, and he did not disappoint. The process was simple and pain free. His staff was wonderful and very friendly. Neil initially told me we would close in 30 days, but it actually only took 2 weeks. I have already recommended Neil to a couple of my family memebers. You will not be disappointed.

Sam Forbes is the one you'd want to work with! He helped us from pre-approval to securing our…read moremortgage loan! I had a bunch of questions especially since it's my first time buying a home and he answered quickly without delay. He even helped us lock in at a superb rate despite all the volatile economy and rates. From the very beginning, we already established honest and transparent vibes. Sam is super cool and is absolutely willing to help you see it to the end. I can't recommend him more enough! Thanks so much team!!!

AMG is the absolute best! Alan has about a million years of experience and is always so helpful in…read moreguiding the way on our re-fi's. We've used him for about 20 years to re-do our home loan several times and always know that we're getting a wonderful deal and caring service.

I used Toni D'india for my first home loan. She found me the…read morebest rate possible on my VA loan and also found out that the condo I was buying was mislabeled and was actually a Townhouse! To do this she had to dig for the original deed! Thank you Toni for all that you have done!

Me and my wife were looking for a home to buy after getting married. Home buying is very new to us…read moreand we had no idea what we were doing until we met Yvette. She was really patient to explain all the process and steps. The second time we met we have our eyes on a condo and she was able to meet us there and did a walk thru and few days later we submitted an offer. Due to my personal situation I had to travel to UK on the day of the closing. Initially I was so nervous because I did not want to miss out on anything. Luckily Yvette was able to handle all the paperwork and communication to seller's agent for me. I literally signed the offer in the middle of Atlantic Ocean while on the plane! The rest of the story has a very nice ending. The offer got accepted and it wasn't not much above the asking price. We didn't even go back forth with the seller with the offer at all. The escrow period is even more smooth. Now we are happily living in our new home! And even more she helped us find a contractor and did small repairs around the house for free! I can't say thank you enough to Yvette!

Yvette helped us buy a new home and sell our old one about three years ago, both in Hayward. And…read moreall in the course of a few months. Her work was amazing. From guiding us through the complex process and timing, to referring us to good contractors, to listening without judgement to our concerns along the way, to preparing our previous home for sale, this lady took care of business and got the job done everytime. Highly recommended.

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.

I had a wonderful experience at Patelco Credit Union thanks to Reggie! He helped me with my account…read moremaintenance and made the process of adding a family member quick and seamless. Reggie is incredibly professional, knowledgeable, and well spoken. He took the time to explain everything clearly and made us feel genuinely welcome. Because of the excellent service we received, we're also planning to get a credit card with Patelco. Thank you, Reggie, for going above and beyond and making banking such a positive experience. You're a great asset to the team!

Came in to Patelco CU with a complicated scenario and was warmly greeted and assisted by Jamese…read moreBlack who was so pleasant to talk to about our situation. Jamese handled everything with ease and explained every step. We look forward to seeing her at our next visit.