I have multiple properties in South Bay and among many I worked with, Lynn is the best. As one example of many refinances closed with Lynn, I recently worked with Lynn at Morgan Real Estate to refinance the ARM mortgage on our property into a 10 year fixed, with significant rate reduction. And the experience was, as always, excellent. Lynn is very experienced and have strong market intuition. She monitored the market closely and locked a great rate for us at the exact time. As a finance professional myself I watch mortgage rates everyday (generic macro data, not lockable, retail offerings) and the point in time when she called me was the lowest possible since Iran war started, and the only window of opportunity in the past 60 days. This is not something you can expect from a mediocre, no-skin-in-the-game agent. The process was super smooth and efficient. We closed in 18 days. Lynn stands out for her reliability, clear communication, her ability to keep her promises and to deliver. I'll definitely be introducing her to my coworkers and friends, and would gladly work with her again. read more

I was looking to refi the ARM mortgage for our investment property to 30 year fixed. Lynn was very experienced and gave me good analysis if my income alone would qualify. She quickly moved to lock-in a good rate for us which now looks even better. The whole refi process was very smooth. Susan, the loan processor was excellent. Now our loan was closed as expected after a month from start to finish. I would highly recommend Morgan Real Estate for anyone looking to get a mortgage loan! read more

Very nice Morgan Real Estate. They help me got a very low interest rate. 5.375 for 15 years fix. And Lynn is very nice.

I have worked with Lynn on both applying for a new loan, and refinancing for my old property. Lynn and her team have consistently been professional, timely, and efficient. Their rates are vey competitive and she is always upfront with expectations and timelines, which is crucial for a smooth closing. Most recently, due to poor decision making on our own side, we turned to Lynn for help on an impossible task: to close a new loan application within 15 days. Her team went above and beyond with both the lender and title company and pulled off the impossible. We can't be more grateful! What really distinguishes Lynn and other lenders that I have worked with before is that she really puts the client's needs first, and truly acts on our behalf. read more

We recently refinanced our home with Lynn and Susan, and the entire process was incredibly smooth from start to finish. They were professional, responsive, and made everything easy to understand. We truly appreciated their guidance and efficiency throughout the refinance. Highly recommended! read more

Lynn helped us with our home mortgage and she did a great job. Her fast response and lower rates are outstanding. She beats all the other lenders on rates and credits. And we closed on time with ease. Things I wish could be better is the loan processor had some inputs errors in the docs, but corrected quickly after communication. And the only way communicated with the processor is email. Sometimes, it's much easier with a call than email. Overall, I had a positive experience. And I definitely will reach out to Lynn in the future for my next mortgage. read more

I have been Lynn's customer for many years, gone through several loans and refis. Their rates are extremely competitive, if you find a better one somewhere, do let her know, with some research she is bound to match it or beat it. Specially where in situations I was looking for specific rate, she was able to monitor it daily and lock it down after a while during the fluctuation drop. If you have investment properties or multiple loans, her team is very efficient with some creative accounting where other agents are unable to think off and push the loan through the lender. Definitely recommended. read more

I was refinancing my 30-yr fixed right before the shelter-in-place orders started to take effect. Lynn, Vivian and Morgan are excellent -- kept communicating with you smooth so you know exactly what will happen, and whenever there was issues, they were on top of it, making sure things kept progressing. I would definitely highly recommend them to my friends. read more

Lynn and her team are one of the best specialists you can ask for in getting a successful loan and refinance. Not only does she have one of the best rates around and can match any competitor but her team are readily available to help with any matter in order to get the loan across the finish line. The experience has been good for both first time borrowers as well as returning clients (I was both). Once you build the trust and confidence from working with their team, it's hard to find the same satisfaction and quality elsewhere. From interacting with other loan officers I can tell the difference with her team is that they really care about getting the best deal for you, which keeps their clients coming back. read more

This is a late review. :) We were working with Lynn and her team last year. We started application in Aug and the loan was closed in last Sep. They provided me with a pretty low rate, and they were very responsive for any questions. Our loan was closed smoothly. We highly recommend her and her team for refinancing! read more

This is a great team. Very efficient and nice. I've used their service twice. Always the lowest rate and the best service!

Great service, lowest rate, and pleasant refinance experiences!! Morgan Real Estate has been helping me refinancing multiple times for my first home. Her team members are professional and the owner Lynn is always there to help promptly via phone or email. Plus, you really can't beat on their wholesale low rate you locked with no point no fee. Outstanding customer service!! You can TRUST your refinance or loan for your new home with them. I highly recommended!! A+++++ read more

!!! I've finished my refinance this June, Lynn and her team had quick response, lower rate, closed on time, and I will definitely highly recommend to my friends and family, 5 star for sure! read more

Had a fantastic experience working with Lynn and her team. I was looking to refinance my loan, and Lynn was communicative throughout the process and provided consistent updates on the best rates. Once we locked it in she made sure the rest of the process went as smoothly and quickly as possible. Thank you for a great experience! read more

We have been lucky enough to work with Lynn for 10 years. Honest, hard working very efficient. Can't ask for any better service anywhere. Very competitive rate Recommended to all my friends and families. Thanks Lynn. read more

STAY AWAY FROM THIS BROKER and LYNN MENG She wasted 5 months of my precious time and the rates have climbed so high now. I started with her late November and early December. I told her that I need someone who can help if number of renters are more than owners. She replied Yes I can do it, no issues. I collected each and every document she wanted and sent to her, working late nights. She came back and my income for 2019 is not enough, I said my 2020 income is good. She told me to file. I hurried up to file my taxes. It was already February now. I have to pay extra money to tax accountant to hurry up. She comes back in March that lender now needs condo cert. I have told her in November that ratio of renters is high than the owners then why are you telling me after 5 months, that you need condo cert. That was the problem we started with way back in November and December and she told that yes she can do it. She wasted 5 months. The rate were below 3 when I started to talk to her but now more than 4 %. She simply does not care. You call her, she will never pick up the phone. She is extremely rude when you talk to her as if she is yelling. She simply takes business whether she can do it or NOT. Simply stay from this broker and STAY AWAY from Lynn. She is wasting people's time. Extremely disappointing, frustrating and upsetting. I am going to BBB to complain about her as well. read more

Lynn was referred to me by a trusted friend who already spoke highly of her and her team. My friend was right! Lynn and her team are very responsive. Any question you might have, you can text or email and within minutes, you get a response. My funds were just released today, and I started about a week and half ago! Very fast. I will most definitely be recommending this business to all my friends! Thank you!!! read more

Lynn always has the best knowledge and fast processing on any purchase and refinance . This is not the 1st time we getting loans with her and she always get everything done quick and perfect highly recommended . read more

Lynn and her team has been super awesome!!! They helped us work on our recent refinance of our primary house. Her team is amazing. They are super responsive and the whole process is smooth and fast. Definitely would recommend her team for doing refinancing. read more

Lynn helped me on a refinance case back in April. The case went through lightning fast even though my case was a little complicated. She also got me a lower rate than what was expected. After the case was closed, she carefully helped me calculate the extra part I paid for the refi and later I did received checks returned for that. I highly recommend working with Lynn for your mortgage needs. read more

I was refinancing my mortgage loan with Morgan real estate financial. Vivian was great. she is very easy to work with and good communication, and she offered me lower rate at the end. The only downside was that the lender was extremely slow. overall i am pretty happy with Morgan real estate financial and Vivian. read more

I was applying for refinance my 30-yr fixed in July last year. Lynn and Vanessa and Morgan team are so excellent in execution -- everything is so smooth and they are even able to lower my rate in the middle of the processing. It Is unbelievable. I got the almost the best rate around that time frame. I would definitely highly recommend them to my friends. Actually quite a lot of my friends have done refinance after me through Lynn. They are all very happy now! read more

I just close the home loan with Morgan real estate. They locked the rate in the market at current time. I am very happy by quick response and quick resolve my questions since beginning. I rated 5 star to Morgan real estate!!! read more

Lynn and her team are extremely resourceful. Her team have been helped me to refinance several houses over years. She offers the best rates and the exceptional customer services. She is my go to person whenever I have needs to get a new loan or refinance. read more

The following review is for Shiying Deng and her processor Vanessa. This post is pure from my willingness and Shiying never asked/hinted me to make her great work public. We recently went under contract to buy a SFH on 2/14. Initially, I used my original loan agent for the process but two weeks into the contract, there was no real progress made and then I was told that he's in the middle of a transition to the different brokerage. We had no any contingencies for the contract and the seller agent was losing patience. On 2/26 Monday late afternoon and evening, I felt the need to switch agent immediately and called Shiying multiple times. She evaluated our case and called some banks in the same evening in order to filter out the banks that's ok with our situation(We had the big sum of gift funds coming into our account overseas recently) On 2/27 Tues 10am after the day is open, upon confirming with a couple of other banks, she committed that she can handle this case in the very tight time frame. We made the decision to have Shiying and Morgan to be our loan broker. Things immediately turn effortless on my side from that moment. Shiying and Vanessa immediately contact escrow, seller agent and the lender. For every step, Shiying explained to me clearly what will happen in what time frame and what I need to do for which doc. Things turn out exactly as she promised. The rest is the story...the appraisal was done two days later on 3/1 and the seller agent was very impressed with Shiying and Vanessa's work. We just signed final escrow docs yesterday on 3/14, exactly one month later from our contract date. In reality, Shiying got our loan approved in about 1.5 weeks! read more

My friend recommended Lynn's team when I asked for refinance services. The team is very professional. They addressed all my questions timely. The process of the refinance was quite smooth. I was so impressed how efficient the team is. With the help of Lynn's team, I was able to complete my refinance in a few weeks and started to save money every month:) read more

Lynn is really nice and professional. My whole refinancing experience was pleasant, but more importantly, it was easy. I didn't spend much time at all worrying about the things I was not familiar at first. Lynn and her team would already had sent a second email explaining what the numbers or reason mean, trailing the first email. I really like everything laid out clear for me to feel safe and time efficient! read more

Simple fact: they helped me to save more than a thousand dollars each month in the future. Very good experience as a customer. Lynn is great! read more

I did my home loan with Morgan because a co-worker recommended it. Lynn and her team is super efficient and very professional. They answer all my emails right away. They were able to get the loan approved in less than 15 days, which is amazing! read more

Just completed 3rd refi with Lynn. My last refi 7 yrs ago with her got super good rate and is expiring -- who else would I go to! Was trying to lock rate during early Mar. crazy time. Her msg. was clear:" I think we can at least get this, but things are changing fast and we may get lower if lucky" ...... I followed her advice and locked the low point of the rate (again)! Her team is very efficient and closing was smooth: it is in lock down and few appraisers would come and I also worried letting people in -- no problem they got lender to approve drive-by appraisal. Final signing requires face to face --- no problem her agent did not need to come in and we completed signing in my front porch. Great experience again (just as before for 10 years already)! read more

No point no fee refi with Lynn and Vanessa, sign off in 14days, very smooth transaction and super fast process, great service, highly recommend!! read more

I had very good experience with Lynn, the mortgage officer. She was very professional, I told her my financial situation, she offered me different options, such as lowest down payment or lowest interest rate. And what she offered was way better than most retail mortgage products I found. Besides, what surprised me was that the loan process finished much earlier than the expected target close date. As a first time house buyer, I felt less stressful since she made the complicated loan process much easier. I already recommend her to many friends of mine. read more

Daniel and Ailee sold my house in North San Jose for me just this month, and the experience has nothing but smooth! I would highly recommend them and if I had any property left in the bay area to sell, I would definitely use them again. Here's my situation. Back in Oct 2013, I had engaged a different realtor, who did not do a good job. I ended up wasting 6 weeks (3 weeks prep, 3 weeks list) with no offers, and received a damaged house requiring repairs after the tenants left. The realtor blamed it on the slow season. I grew a headful of white hairs by Thanksgiving day because of the stress. Then came Ailee, who recommended her realtor broker Daniel. They worked fast and hard to pick up the pieces, and prepare my house for listing in early Dec. Daniel and Ailee came up with a good marketing plan tailored to my circumstance (since I'm out of state) and executed the plan flawlessly. So, despite the slow season before Xmas, Daniel and Ailee still managed to get multiple offers for me just after 2 open houses. Daniel is very experienced and gives good advice on potential pitfalls and good strategies. He was honest with me from the start on what my house could fetch, even though it was a number lower than my expectations. His analysis is, however, backed up back good solid market research. And I'm glad I still went with Daniel for the transaction. He definitely knows what he is talking about. If you have a house to sell, please look up Daniel and Ailee. They are very easy to talk to. Sometimes they have listing specials, which lowers the listing fees on the seller's side or includes the cost of staging. read more

I refinanced with Morgan Real Estate & Financial after getting a referral from a coworker. They got me a good interest rate on a "no point, no cost" loan. However it looks like they lied or misled me on the points and costs. After closing, the numbers just didn't add up. I ended up paying for some of the costs, or I wasn't fully refunded. Also, over $4000 showed up as points on my 1098 tax form. There is some discrepancy here, because the amount I overpaid is not equal to this number. I showed all of this to my long-time CPA, and she wasn't sure what kind of weird math they used either. I tried to get some clarification from Morgan when I discovered these issues, but I was ignored. I was also required to increase my homeowners insurance coverage significantly, which increased the premium dramatically. This very much detracts from the savings I got by refinancing. The lender they use also does not have any online payment option. The refinance process took longer than I expected, and I had to suffer through pretty poor communication throughout. Sure, they got me the interest rate I was looking for, but I ended up paying for it in the end. If it isn't already, this type of behavior should be illegal. Be careful, and triple-check the paperwork before you commit to Morgan Real Estate. UPDATE (3/18/2014): Apparently my review got their attention. I received an e-mail from them out of the blue explaining the discrepancy mentioned in my review. I'm grateful for the explanation, but it took a YEAR to get it. As mentioned, my previous attempt at communicating with them directly (on 3/12/2013) was ignored, but it looks like they will respond when they see a negative review. I stand by my comments, and hope this additional data point helps others make their decision. read more

I had the exact opposite experience with Morgan Real Estate Financial compared to other reviewers. I was referred to a specific person here - she had refinanced for several of my coworkers. They all spoke highly of her. This was a very painless experience. Not 1 phone call was needed - and I am a very picky person. I need answers for even the smallest of things. Very proactive email communication from them. Closed escrow within 25 days. Granted that I was on top of things from my end as well, but this was so much better than I expected. Got my refund check in the mail within a few days of the escrow closing. All in all, a very positive experience. I will refinance again with them, were rates to go lower in the future. read more

SPAM texts! From Yujing Pang - not wanted, not welcome. I would give a negative number of stars if it were possible.

Lynn has been extremely helpful with my loan. She and her team is super professional and responsive. More importantly she's forthcoming about different situations and steered us through the process smoothly. If you are looking for a loan agent whose reliable and gets you always informed, you can't go wrong with Lynn at Morgan Real Estate. Also their rate is among the most competitive in the market. Particularly recommended to first time buyers. read more

Lynn has become our go-to person for loans and refis. She has terrific rates and a capable staff, and she has been excellent at steering every loan toward a successful close. Lynn has helped us to refinance our primary residence several times, most recently into a great 30-year fixed mortgage. She has also helped us to finance several rental properties, one in Oakland and one in Vallejo. Although she's based in San Jose, all of our loans have closed in San Mateo, Alameda or Solano counties, and Lynn's team has had no trouble in working remotely to close these loans. She is terrific at working with lenders, insurers, title companies and real estate agents, and she knows how to streamline the financing process to make it as easy as possible. Most of our financings have been extremely smooth, but on occasion we've encountered a problem--like a low appraisal or breakdown with the insurance coverage. In my experience, this is when Lynn is at her best, stepping up to solve the problem and keep the close on track. Lynn has impressed me so many times, and even saved certain transactions. We will never work with anyone else. read more

this is my second review on Morgan real estate. I refinanced again with total 4 properties with Lynn and her assistant Sharon this month. Again, I got the best rate from Lynn for all the properties, including cash-out refinance one. It is tough to get a good rate on cash out refinance. Lynn got me the best rate from different lenders to suit different property requirements, i.e., primary and rental, etc. the whole process were as smooth and professional as it can be. and again, at the end, Lynn gave me an itemized list of what they cover and what I should pay, along with the closing statement. the list is super clear. In my 10+ refinance experiences, Lynn is the only broker that gave such itemized list, I am very much impressed, and definitely will do business again with Lynn. Lynn is pretty much an insurance to guarantee the smooth closure, no matter how difficult your situation is. You cannot go wrong with Lynn. read more

After calling a lot of brokers, I decided to use Morgan Real Estate. Lynn was able to offer me the best interest rate without point or fee. The processing was so smooth. Lynn and all of her team members were super friendly and responsive. They kept their word and really no point or no closing cost. I am so happy to save so much money! Highly recommend this company! read more