Service requested: Refinance We first connected with Esther…read morea few years ago and never forgot how professional and genuinely helpful she was. So when it was time to refinance, calling her was an easy decision! Esther makes what could be a stressful process feel easy.. She explains everything clearly, is incredibly responsive, and truly has your best interests at heart. She and her team stayed on top of every detail from start to finish. Quality: Top-notch service and attention to detail Value: Excellent guidance and a smooth, stress-free experience Highly recommend Esther and her team!

We just closed and funded on our latest deal today, and I want to take a moment to recognize Esther…read moreand her team for an exceptional job. In this business, execution and timing are everything--Esther and Paul delivered on both at a very high level. From initial structuring through funding, the process was handled with precision. Communication was clear and efficient, expectations were managed properly, and any complexities were addressed proactively without slowing down the timeline. That level of control over a transaction is not easy to find. What stood out most was the ability to navigate the deal strategically while keeping everything moving forward. For anyone operating in real estate investment or development, having a lending partner you can rely on is critical. Esther and Paul has proven to be exactly that. Looking forward to doing more deals together.

Used them for two refinancing, can't beat the cost they give you. Shop around and confirm for…read moreyourself, these guys saved me more than Geico could. Googain seems more appropriate if you're somewhat familiar with home financing. For your first home purchase you may want someone who can walk you through the process and help you understand everything.

Our finance journey with ShirleyLu at MaxReal has been exceptional. Whether we were doing a…read morepurchase or a refinance, Shirley maintained an impressively high level of professionalism. She treated us with respect, took time to understand our goals, and executed everything with precision. Her service is timely, clear, and reliable--instilling a sense of security in an area that can often feel complex and overwhelming. If you're seeking someone who truly puts your interests first, Shirley is the one.

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

From initial inquiry to final close of escrow, Dave and his team were there to support us on the…read more15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team!

I purchased my current home with Rainmaker about a decade ago! Alex paired me with the right…read moreperson on his team to work with. I always felt I could go to either of them with questions and concerns. Through the years, we've stayed loosely in touch. Recently I asked Alex his thoughts on a second property, sharing my concerns and parameters. He had/has really good ideas, has experience with handling different situations, and I didn't/don't feel at all pressured to purchase. When it comes, hoping the second time goes just as well!

We never thought we could get the dream home after seeing the massive traffic at the open house,…read morebut Yao Li made the impossible happen! She is incredibly knowledgeable, strategic, and resourceful, navigating this competitive market with expertise. Her support didn't stop at closing--the unexpected and valuable after-sale service (including offering resources & connections to help fix small issues) truly sets her apart. We are immensely grateful and feel lucky to have had her as our agent.

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.

Julia has been our real-estate and mortgage adviser for the last 2 years, and she is amazing at…read morewhat she does! She helped us buy our first home, re-finance our loan, and sell my mother's property ---- all 3 projects went smoothly, on-time, and without any issues! Usually loans and home-selling/buying is stressful, but with Julia, she makes it seem very easy. I highly recommend her dedication, passion and professionalism. She is the best agent and loan consultant I have worked with, and will work with her again in a heartbeat!

Julia recently helped us get a loan for our dream house. I…read moreaccidentally came across a property that I really liked (on a Friday) and wanted to put an offer as soon as possible competing with several other suiters. Julia worked diligently during the weekend to go over my assets and liabilities and gave me a pre-approval on Sunday night (despite power outages due to fires)! My offer was accepted but the seller wanted a tight period of contingency removal. Again, Julia worked diligently to put all documents in order for the UW review (I have a complicated portfolio of assets and liabilities). In multiple rounds of interactions with the UW, Julia was very quick in looping back the inquiries to me and channelling back my responses to the UW. Without Julia's help, we couldn't lift the loan contingency in time and could have missed the opportunity to buy the property. We very much appreciate the help that Julia provided in the process.

Rabia helped my wife and I sell our Sunnyvale townhome during one of the worst downturns of the…read morehousing market in recent years (tariffs, markets crashed, high interest rates). She managed everything for us - touch ups, staging, photos, videos, open houses, negotiating, etc. Rabia went above and beyond when we noticed the shifting housing market, enabled us with a back up plan to rent out the house for 1-2 years, was able to negotiate to our intended sell price and allowed us to use the staging in the last week before we moved away. We have nothing but praise for the work Rabia and her team did, and would not hesitate to recommend her to all our friends and neighbors.

Rabia Alizai (Compass) is an exceptional realtor and true professional. From the first meeting, she…read moreclearly explained the entire selling process and set the right expectations. She handled every step on time, coordinated smoothly with the title company, and ensured HOA dues/ownership transfer was done correctly. She also credited the staging fee back without me having to remind her--showing strong integrity. Even after closing, she followed up and reminded me about parcels sent to my previous address. Very caring, thorough, and reliable. Highly recommend Rabia for anyone in Sunnyvale or the Bay Area. --Pudur Ramaswamy

Richard and his team were fantastic to work with. He walked me through my options and educated me…read moreon what mortgage would be the best fit for my situation. His team was easy to work with and proactive in their communications. I appreciate the white glove service and would recommend Veridian Mortgage without hesitation. Thank you Richard!

There's no doubt Richard's services lands him in the 5-star rankings. I had the pleasure of seeing…read moreRichard Wang from Veridian Mortgage assist my superior in securing her first home, and I can't speak highly enough of his service. Richard's professionalism, clear communication, and dedication made the entire home-buying process much easier and less intimidating. He was proactive in addressing every question and detail, ensuring everything went smoothly. Beyond his work, I really admire how active and engaged Richard is with his online presence; he is consistently sharing insightful content that demonstrates his expertise and commitment to helping others. If you're in the market for a mortgage expert who truly cares about his clients, Richard Wang is the one to call.

We had a great experience working with Grant. We contacted him after we had already submitted an…read moreoffer with a 15-day close, and he was able to get everything done on time without any hiccups. He was extremely thorough and knowledgeable about every aspect of the home loan process. As first-time homebuyers, we were pretty out of our depth, but Grant answered every question we had and made sure we understood what was happening at each step so we could feel confident we were making the best decisions for our family. I would recommend Grant to anyone in the area looking for a home loan.

Grant is hands down the best and most amazing person ever. I had no clue what I was doing for my…read morefinancials and let alone buying a home. But Grant took his time to walk me through the whole process. He spent countless hours educating me so that when I was ready to buy my first home, I had all the knowledge I needed. I trusted Grant in this entire process and he guided me every step of the way. He's very thorough and very transparent. Which is something you don't often see. He truly cares for you and makes sure you are able to save money and make good choices. Grant went above and beyond what he provides and I can't thank him enough. I highly recommend Grant's services to everyone. If you don't know where to begin, start with Grant!

Have zero security in any approval/pre-approval/fully underwritten pre-approval from Wells Fargo…read more Terrible mortgage experience Wells Fargo pre-approved us then issued a conditional approval so we were good to go for closing then pulled out last minute approximately 2 business days before closing for an issue not mentioned on the conditional pre-approval and completely non-financial reason. Wells Fargo provided no way for us to respond to their last minute objections and simply denied the loan leaving us high and dry risking our deposit in escrow. Never have had such a terrible experience. Tom Forker & Eva Black were our WF focal points. Update 12/31/20: Wells Fargo Corporate office called to inform that they have denied my request for an appraisal refund & also received a letter from Zoila Sarmiento stating the same. Stay away from Wells Fargo if you value your time and money.

We've worked with Kevin Kettmann on our first home and are now working with him on our second on a…read moreshort-notice move; he's incredibly responsive and makes transactions seamless. His responsiveness is especially appreciated in situations where quick bids can mean the getting your dream home, as it did for us. He offered us the best rate by a good margin and even helped us correct an issue to get a lower rate. Highly recommend--he will help you get a deal done with his uber-responsiveness and offer (and help to achieve) great terms.