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.

Nhan Cao is an incredible mortgage broker! He made the impossible happen and got my loan approved…read moreand closed while I was literally in the hospital about to give birth. We officially closed on our house the same day my baby was born. Talk about stress-free and reliable! Nhan was professional, responsive, and on top of every detail. I couldn't have asked for a better experience and highly recommend him to anyone looking for a smooth and trustworthy mortgage process. Will be referring him to everyone!

Nhan and his team are absolutely amazing to work with -- truly the best in the business! They are…read morehighly knowledgeable, experienced, and take the time to patiently answer all of my questions while walking me through every step of the process, from refinancing to cash-out to new loans. I've worked with Nhan on multiple transactions, and every time they deliver with record speed -- closing in as little as 18 days! If you want a smooth, stress-free loan process with a team you can trust, Nhan is the one to call.

I came across Thao through a recommendation from friends who had previously worked with her and…read moreshe's a total 5 stars. Before Thao, I had already researched a handful of best lenders but even still, she was able to get me the best rate along with lenders credit among them. Aside from her being knowledgeable in the field, what stood out to me most was she was so pleasant, patient, and kind. She has great interpersonal skills and was always courteous and willing to listen & answer my numerous questions. She checked back with me frequently, more so than all the other loan officers, and I felt she was genuinely always on my side. I told Thao that I will be returning to her services when I need to refinance my house & I intend to

Thao is an excellent loan officer. She was very responsive, on top of everything, and she made my…read morerefinance process super smooth. Plus the rate was the most competitive. I would recommend Thao and would go back to her when I need a mortgage loan.

Avoid this company at all costs! The buyers of my home went through them and due to their…read morenegligence of assigning a loan officer that wasn't even licensed! Because of this, the closing date kept getting pushed back numerous times and cost me about 2k in hotel and extra days with the UHaul and also cost the sellers of the home I was buying about the same. They also never answer the phone for the main number they have listed. Can only leave a VM or send email. Very unprofessional! To top it off, when leaving a VM in the morning, the owner returns the call at midnight!

Very unprofessional manners of their realtors and loan officers. They screenshotted my text…read moremessages between me and my realtor and send that screenshot to their competitor to gossip about me doing price matching. I'm not sure if sending client's private message screenshot violates the Act of Privacy in real estate business but I'll take a look at how to report them for doing that. People please be ware do not text them for anything please call and talk because people here take your screenshot messages and send to other companies.

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.

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.

One of the better mortgage companies in the south bay. Ask for QD he is the most professional and…read moreefficient loan agent we have experienced with. Super reliable guy and made the deal go through. Leon the CEO is wonderful guy to meet as well. Great customer service and don't hesitate to ask for QD.

not communicative and unorganized did not have…read morecommunication with notary either and caused me a lot of stress

Tony, Bruce, and the team at Express are extremely professional. In every instance, they were…read morealways a step ahead of the process, making every step seamless and painless.  Any questions that I had were answered in mere minutes and the team was always available to help me understand the process. I came out of this viewing Tony and Bruce as a friend who always had me and my family's interests in mind. Rest assured Tony and Bruce go above and beyond to assist their clients. I would recommend anyone to reach out to them!  They will provide clarity to the process and make sure you understand every step along the way.

It's so illegal to not have 10 stars for the types of services that Bruce and his team has…read moreprovided. As first time home buyers, we didn't know crap about anything. Bruce was so kind and patience to walk us through every baby steps and answered all of our questions. A good way to put it is like a parent trying to teach his kids learn how to walk for the very first time. Not only did he fought for us but also got us a really good deal on the home that we wanted. Bruce is knowledgeable, super friendly and easy to talk to. His work ethnic is unmatched, he is always on schedule and on top of his work. I could go on and on but overall, my husband and I are truly grateful to have Bruce as our agent.

Best in the town and out of state. Really professional and helpful always ready to go above and…read morebeyond to curtails my needs. Absolutely best MLO I found in yelp. Thank you Sobe for getting me the best deal and explaining the lending process smooth. Your patience has win my heart and business. Hope you do more amazing things. Thank you once again for making my home purchase dream come true!

From the owner: We offer low mortgage rates along with a convenient loan option process supported by a team of…read moreexperienced loan officers.