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.

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.

My husband and I worked with Kim and Sheila to buy our first home, and both were phenomenally…read morehelpful throughout. From the beginning to the end of our homebuying process, they were informed, communicative, and amazingly resourceful. As newcomers to the homebuying process, we had a lot of questions; they answered promptly and thoroughly every time, always in terms we could understand. Ultimately, we closed on our new home without any major issues along the way, and I don't know how we would have done it without their genuine kindness and support. Also: if you are an animal enthusiast, ask Kim about her dog to receive some extremely cute pictures guaranteed to take the edge off the stress of buying a home. We would not hesitate to recommend Kim and Sheila to anyone buying a home in the San Francisco Bay Area - it is hard to imagine a better experience than the one we had. Thank you, Kim and Sheila!

Sheila and Kim are hands down some of the best loan officers I've worked with…read more They helped my client purchase his first home smoothly and closed the transaction in under 18 days on a nearly $900K deal. That kind of speed and execution is rare. Their process was incredibly streamlined, communication was clear throughout, and they stayed on top of every detail from start to finish. Most importantly, my client felt supported and confident the entire time, which made a huge difference for a first-time homebuyer. As the realtor on the transaction, I truly appreciate their professionalism and efficiency. Looking forward to many more deals together.

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 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.

Esther and Paul were EXCELLENT. From the start I felt like a priority and questions were answered…read moreimmediately. Buying a house is very stressful, the last thing you want is to get spotty communication and instructions for everything required. This is the 3rd house I've bought and have never had such a good experience. Their tools/portals are FANTASTIC, I was able to complete steps and see my progress easily.

Are you looking for an excellent team to work on your loan? Look no further; we highly recommend…read moreThe Loan Story team! We had a pleasant experience working with Yvonne Wu, Paul Reyes, and Esther Chien for our first home purchase! They are truly a wonderful team! We highly recommend that you check them out for your next home purchase! They answered all of our questions promptly and were extremely professional throughout the entire process. They met our tight timeline and closed escrow within a reasonable time frame! Thank you, Yvonne, Paul, and Esther!

Solid loan officer and person! Carl was super helpful throughout the entire loan process for me…read more Not only was he helpful during the loan process, he was always there to help answer questions before we even started on the formal process. Carl is transparent, easy to get ahold of, professional, and keeps everything neat and organized. I am happy to recommend Carl to anyone!

Extremely, Extremely knowledgeable, professional and very responsive!…read more After I had scratched head with my first loan officer that he did not know what he doing, Carl was referred by my realtor Trung Nguyen. Carl took in the case he was extremely helpful during my first time purchasing. My loan was at a border line and a bit complicated, Carl was able to get my loan funded and closed escrow for me within a short period of time , and I was able to successfully purchase my first home during this epidemic time Covid-19. He was extremely knowledgeable, professional very responsive and patient with me. Despite all the complications that had occurs, he never gave up on me and was able to come up with solutions for our problems. I had a extremely positive experience with him. Carl is the best loan officer I have ever engaged or worked with, and would highly recommend him and his staff services to other people.

I refinanced my home with Alex Greer of the Mortgage Outlet. Alex helped me reduce my interest…read morerate considerable even though I had not the best credit and limited income. Alex got my interest rate down lower that he quoted me! I was a loan officer in the past and know how difficult it was to refinance me. Alex was extremely professional, worked very hard and diligently to get me refinance. I would recommend Alex Greer of the Mortgage Outlet to anyone interested in financing or refinancing real estate. Alex will take really good care of you and explain all your options even if you do not have the best credit or income. Jon Heller, CPM, CPA,inactive, MLO,inactive

We had a great experience working with Jerry Greer on our home loan. He was knowledgeable,…read moreresponsive, and always willing to answer our many questions, which was super important to us as first-time homebuyers. Jerry went above and beyond to help us submit timely offers, secure a great interest rate, and close on time. Thanks to his support, we felt confident throughout the process. We highly recommend Jerry and the Mortgage Outlet.

I'm in Arizona and I knew what I wanted to achieve financially with a purchase of a very unique…read moreproperty would not be easy and that their would be challenges. After months of trying to find a Lender and Insurance Company in Arizona to assist me to no avail, I finally turned to friends in California who referred me to Cyrus. What a Gift what a Blessing. So, if you are looking for any type of Real Estate Financing from A to Z a team who can make the impossible, possible, then look no further. Cyrus and his amazing team are the most experienced, knowledgeable, trustworthy professionals that can help you achieve any and all of your financial real estate goals. Cyrus team has a mind set of No Problems, Only Solutions. They are not afraid of a challenge and are the most resourceful team I have ever come across. Communication skills are vital in this business and are time sensitive, a quality that all of his team members possess in spades. They listen, ask the right questions, they know when to e-mail you, text you and when to call. They don't waste your time and they don't drag their feet to get the job done. In my 30 years of personal real estate experience Cyrus and his team are the most result oriented team of professionals I have ever come across and that's the kind of professionals you want representing you. They give you all your options and they always do what's in your best interest not theirs. This is the only team of Real Estate Financial experts and professionals that I will ever use for any and all of my future real estate financial goals and I will continue to refer them to anyone and everyone who needs a winning team to help them achieve their Real Estate Financial goals and make the impossible, possible. Thank you Cyrus, Shahin Adeli, Cary Iaccino and Jennifer Lowe. Working with all of you has been by far one of the best and most rewarding financial experiences I have ever had. You and your team of Real Estate Financial Advisors are a team that can be trusted and truly understand the meaning of Customer Service who do not Over Promise and Under Deliver. What you achieved for me is priceless. Forever grateful.

Working with Cyrus Ghazvini at Omni Fund was one of the best decisions we've made. We were…read morerefinancing at a time when the market was incredibly difficult, and the process was full of obstacles, but Cyrus navigated every single one with skill, patience, and determination. His range of expertise is unmatched, from low A-paper rates and conventional loans to reverse mortgages, private and bridge financing, and even in-house hard money options. Whether it's residential or small-balance commercial, Cyrus truly has every aspect of real estate financing covered. If you want someone who fights for you, thinks creatively, and gets results no matter how many hoops there are to jump through, Cyrus is your guy.

Roxana Santana made our visit exceptionally awesome. Very professional, knowledgeable and patient…read more Roxana explained everything thoroughly when establishing a new account for our teenager. She followed up with us after we opened the account to ensure everything's was going well. We are very pleased with her service. Thank you.

Great service - special mention to Beneil Sourisho . He is extremely fast in communication and…read morevery helpful. They made the banking process simple and seamless.