First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.

I have worked with Adrian when I purchased my home back in late 2023 and decided to work with him…read moreagain on the recent refinance. Adrian is very thorough and transparent with communication throughout both times and that takes the stress out of the process. He has a wealth of knowledge that he shares on any potential risks and opportunities with the (re)financing transactions. Overall, I am very satisfied working with Adrian and GR and would wholeheartedly recommend them for any transactions!

I'm so thankful for Adrian, for helping me through the home-buying process. He's always responsive,…read morehelpful, kind, and patient. Adrian helped explain every step in detail, and he helped reassure me throughout the entire process. I'm so glad to have had such an empathetic, knowledgable, and thoughtful person like Adrian and his co-workers at Guaranteed Rate. I agree with the other reviewers here; the process is complex and lengthy and difficult to navigate, especially as a first-time homebuyer. But, with Adrian, it was as low-stress as possible. Thanks, Adrian!

No stars... im looking to sue.. they screwed up my mortgage..didnt apply money correctly..fees all…read moreover the place..one was over 400 bucks... they sold my mortgage to rocket....well they are pulling the same shit...I have homeowners....since 2012...they claimed I didnt...and charged my account for "their" insurance... I told. Them repeatedly... spoke to some Indian guy on phone who said everything will be fixed... bullshit.

Wells Fargo is a horrible company who obviously doesn't care about their customers. They…read moretransferred us out to a scam company called shellpoint which I cannot make a payment! Does not recognize my loan number, can't get anyone on the phone? haven't been able to make a payment with wells or shellpoint. i'm behind on our loan with no one to take our money? tried to pay $6000. and no one would take my money? wtf

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.

The good - this branch is friendly and secure. They have free parking but you have to ask how to…read moreaccess it. They're open Saturday mornings. Now, for Fremont Bank, in general: I got a HELOC with this bank 18 months ago. The process took forever. I've refinanced in under 30 days several times, but this took 2.5 months! My fault for not realizing they have only one branch in Santa Clara County, smack in the heart of downtown San Jose. Makes direct connection difficult - had to fax lots of stuff to them, way beyond a refi. They are always super nice and helpful, in person and on the phone. But their system sets you up to fail. They require you to open a checking account, into which you make your payment. Your loan then withdraws automatically from the checking. It turns out the loan dept is completely separate from the banking part of the bank, even has different phone numbers, and never the twain shall meet. One side can't see the other side's info, so straightening out a problem is very difficult. If something does go wrong, you get fined three times: first from the checking (attempted overdraft), then from the loan dept ( Because there wasn't enough money in the checking) then the Loan Dept nicely calls you to tell you, but charges $20 to make a payment over the phone! And this happened because their app didn't send my deposit! I highly recommend doing a HELOC with your regular bank or credit union (or make this your bank, if it's convenient )it will make the process, and the aftermath - so much easier to deal with!

This review is for an arrogant and unprofessional customers service rep on the phone, NOT about…read moretheir products and services in general. When I called them to send a document to them per THIER request, that customer service rep just didn't give me any workable solutions with her arrogant attitude, without any solutions to my inquiry AGAIN to respond to THEIR letter as much as I can. She needs to be retrained to learn what customer service is, or look for other job. Totally different from those professionals at Fremont Bank who helped me to set up my HELOC several years ago.

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.

I highly recommend 'Collette Son', the most best loan service/agent. She has helped since 2008…read more Since then, I kept refinancing and finally settled with 2.125% (refinanced in 2021). With her great astounding service, I got approved in current home (2013. We were already rejected by 2 major lenders, Wells Fargo and Chase.) Now that home has double-valued in 2022 (100% increased). Without her, it can't happened. Deeply appreciated, strongly recommend her ! Don't compare anyone, she is best of the best !

Best loan service and agent…read more I needed to do a complicated refinance, but Soo Park made it easy. She worked her magic... processed it quickly and professionally. I've worked with other agents and can say that Soo is the best. I would recommend her to anyone.

We were first-time homebuyers and were pretty overwhelmed with the home buying process, but Taylor…read moreand Shawn at C2 Financial made the whole process feel easy and pretty straightforward. They were very responsive, kept us in the loop throughout the entire process, and explained everything clearly. What we really appreciated was how much they handled behind the scenes, which made things feel so much smoother on our end. They were great to work with, and we'd definitely recommend them to anyone going through the mortgage process!

Once again had a great experience work with Shawn and his team to get our new home loan. Always…read moreeasy to work with and financing options are competitive. We'll be back.

I worked with Ivy Zhang on the refinancing of my home in Bay Area. I didn't know this bank…read moreinitially so was a little doubtful. However, Ivy solved all my puzzles. She was extremely responsive and fast, and walked through everything together with me with great rate. I had a jumbo loan but still got the best rate I can found in the market. Also the whole process was finished in a month. I have done multiple refinancing due to the interest rate change in the market, but Ivy is the best, fastest, and most responsible banker!

Working with Carl, Suying, and Yao was an absolute pleasure. Even on Super Bowl weekend they were…read moreable to assist me with my loan needs! Furthermore, the process was crisp, organized and efficient which further enabled a pleasant experience!

I've been going to Roslyn Blackwell for about 10 years now, and I honestly wouldn't trust anyone…read moreelse with my taxes. She has always made the entire process simple, clear, and stress free. Taxes can be overwhelming, but Roslyn has a way of explaining everything so it actually makes sense. She is always friendly, polite, and extremely knowledgeable. You can tell she truly cares about her clients and takes pride in what she does. Every year she is consistent, professional, and efficient, and I always leave feeling confident that everything was handled properly. It's rare to find someone this reliable and easy to work with. I'm very grateful to have found her, and I will continue coming to Roslyn for many years to come. I highly recommend her to anyone looking for someone trustworthy and excellent at what they do.

Roselyn is the best! She made my taxes very easy! She has a safe online portal to upload documents…read more I will never use HR Block again!!!