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    Mike Ervin - Supreme Lending

    5.0 (3 reviews)
    Open Open 24 hours

    Services - Mike Ervin - Supreme Lending

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    Stephen Wong - Bayone Reic - Same

    Stephen Wong - Bayone Reic

    (204 reviews)

    North San Jose

    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.

    Nick Villanueva - Kinetic Real Estate - Nick Villanueva

    Nick Villanueva - Kinetic Real Estate

    (7 reviews)

    Nick and Justin were truly exemplary. I am grateful for their professionalism and dedicated…read moreapproach in helping us seal the deal for our dream house. The quality of effort and the amount of time they put into guiding me & my family throughout the entire process was incredible. Thus, making our journey of purchasing within San Francisco uncomplicated & serene. I really appreciate that they made sure that we understand every step of the process (they answered all our inquiries & concerns with clarity) alongside with thoroughly accommodating the necessary details that we want to come along with the property. The inspections- visiting the property and the possible issues we may encounter along were discussed & taken care of, making sure that we get the best out of our money.  Working with them was such a bliss! Me & my family are filled with gratitude for the unparalled labor they put unto this transaction. I highly endorse them to those who are in search for a superb, reliable, and an easy-going real estate services. You won't regret it.

    Nick was extremely helpful during my home buying process. He made himself readily available to…read moreanswer any questions I had, schedule multiple viewings, and meet with me to go over everything I needed once we were in the escrow process. He listened and noted all the things I was looking for in a dream home. From there, he would send me listings of homes that he felt would be a good fit based on what I was looking for. He took care of setting all the appointments and was the middle person between me and the sellers. He also made sure the homes he sent over were in a safe neighborhood. He stayed on top of all deadlines and helped me map out everything I would need to make the closing process as simple and streamlined as possible. Thanks to Nick, I found my dream home and what normally is a stressful process, was actually fun and easy.

    Mike Ervin - Supreme Lending - mortgagebrokers - Updated May 2026

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