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    Loan Simple

    4.6 (10 reviews)
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    Services - Loan Simple

    Mortgage services

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    Houston C.

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    Review Highlights - Loan Simple

    I have worked with Houston and Jeannie multiple times and every time they have exceeded expectations.

    Mentioned in 8 reviews

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    Loan Factory - Thank you Scotsman Guide for honoring our CEO Thuan Nguyen as the #1 Originator in the U.S. in 2021.

    Loan Factory

    (140 reviews)

    East San Jose

    I HIGHLY recommend working Antonio! I had a wild ride to get my loan closed on time as I was…read moretraveling. Antonio was able to close my loan on time before I left for my second vacation. I am so grateful that he was my loan office and will revisit him whenever I decide to refi.

    We attempted a home refinance with Loan Factory and worked with Arton Chau as our loan officer and…read moreAnder David Herrera as our processor. Our refi did have some unique circumstances given I was on maternity leave at the time and I wanted to give some grace for that, but the issues we had went far beyond a complicated refi. Additionally, when we decided to go with another company, the process was so smooth that it proved the situation never should have been viewed as that complicated to begin with. The main issues were: 1) Information would be asked for, we would provide that information, nothing would happen, we would ask questions then they would share they needed information that we had already provided that was right there in the same email thread. 2) The information they claimed to need from my employer kept escalating. They asked for a letter verifying I was still employed despite being on leave, my employer provided it, nothing happened, we checked on progress and they said we needed more. They asked to speak with my manager to simply confirm my employment, they didn't contact her for over a week, then they asked HR type questions she couldn't possibly answer. Then they claimed they just needed HR to confirm verbally that they had issued the letter, then they finally talked to HR and asked a bunch more questions. It was bizarre and honestly, my employer was apologizing to me by the end of it while I was apologizing to them. 3) They didn't care about official loan deadlines, because it seemed to be their plan to keep asking for extensions. We initiated everything on 9/8 and as of 10/17, past the 30 day mark, they were still "gathering information." Working with the company we ended up going with, we started with them on 10/21 and everything was completely wrapped up by 11/14. 4) When working with other loan officers I've had experience with, they will do things periodically on weekends or in the evenings as necessary to hit deadlines. This team seemed to never work weekends and at one point Ander went MIA for over a week of the process and was supposedly on vacation with no back-up. This wouldn't be a big deal if it were a longer process, but over a week out of 30 days is pretty extreme. From what I can tell, these people just aren't that skilled. They clearly have a big company and Factory is an apt name for it as I think they just get as much business as they can get, turn and burn, and don't really care about the service they are providing.

    John Zialcita - Loan Factory

    John Zialcita - Loan Factory

    (52 reviews)

    East San Jose

    John was not my mortgage consultant, but man... was he great to work with us through our closing…read moreprocess! My husband and I recently made a purchase and our mortgage consultant didn't know what the hell he was doing, two weeks in, he needed help from his manager where his manager could care less about us because he was retiring. The week of our closing day, I felt like we weren't going to close, so that's when I googled WF mortgage consultant in the Bay Area and John's name popped up and I had contacted him. Unlike our WF mortgage consultant who had lacked on communication, John was very informative; he'd give me a call in the evening after I had left him a voicemail message when he was driving home from work. He'd also give me a call during his lunch. During the closing process, we were frustrated with our mortgage consultant that I just wanted John to take over, but John reassured me that it was late in the process and I was better off just sticking with who I have (he was right, we just had to stay cool and positive). He also gave us the closing process steps of what we'll be expecting. John is patient, attentive, kind and smart. If you are with WF, immediately take your loan to him and have him process it. I hope corporate is reading this because John truly cares, even for a stranger like me who wasn't his client, but he took his time to make sure everything was A-OK! Thanks John! You're an awesome person.

    I've worked with John for the past 2 years on home mortgages and came with high recommendations…read morefrom an agent I was working with at the time. John is very responsive, communicates clearly and his team is very on-the-ball. Often times, I get reminder emails and phone calls from his team to speed along the loan process. His team is also very responsive. When in a pinch and I need even better information, I can always count on calling John and he'll get back to me as soon as he's available. It's been a joy to work with John and I've recommended him to my friends and family.

    Loan Factory - We Dare You to Compare

    Loan Factory - We Dare You to Compare

    (1 review)

    East San Jose

    Keshav Sharma and his team from Loan Factory,…read more Helped me with securing Loan for my first home in Puget Sound Area (Lake Stevens, WA). The whole process was really seamless and they helped me secure really competitive rate against market accompanied with good Lender credit. He helped wave off Loan Appraisal and also we were able to exercise feature of One time Rate Buy Down feature - as the rate moved down in end of July in anticipation of fed rate cut. Kathleen Gasmen - his Loan processor was really helpful co-ordinating with different stakeholder, having the Loan Signing schedule and had me posted about different stages on Loan process - so I am well aware where the process is moving which really helps keep the anxiety in control. I would definitely recommend them, to all my friend and colleague looking for loan or anyone generally looking for mortgage options. Two thumbs up guys. Himanshu.

    From the owner: My commitment to excellence extends beyond securing a mortgage. I am dedicated to fostering…read morelong-term relationships with my clients, providing ongoing support and guidance even after the loan is closed. Your satisfaction and success in achieving your home ownership dreams are my top priorities. I am fluent in English,Punjabi,Hindi,Gujarati , allowing me to effectively communicate with and assist a diverse clientele.I am committed to providing clear guidance throughout the loan process in a language that you are comfortable with.

    Loan Simple - mortgagelenders - Updated May 2026

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