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.

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.

Bob Bachman and his Team were phenomenal. I refinanced my property about a year and a half before…read morewhen rates were higher, and the process was a nightmare. The mortgage broker I'd used for decades took me and my business for granted and didn't seem to care about anything but my $$$. The escrow officer was exceptionally rude to me and it was a scramble to get it closed. I researched different brokers and discovered Bob. He couldn't have been nicer or more helpful. The system he has set up with his team is seamless. Everyone was responsive and easy to communicate with. Their online system is really easy to use. I have recommended him to both friends and family.

My experience was excellent. I referred my clients for…read moremortgage to buy a house. He did above and beyond his scope of service with loan processor Debbie Angulo. Thank you again Bob and Debbie for your professionalism!!!.

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!

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I…read morewould have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez

From initial inquiry to final close of escrow, Dave and his team were there to support us on the…read more15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team!

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 purchased my current home with Rainmaker about a decade ago! Alex paired me with the right…read moreperson on his team to work with. I always felt I could go to either of them with questions and concerns. Through the years, we've stayed loosely in touch. Recently I asked Alex his thoughts on a second property, sharing my concerns and parameters. He had/has really good ideas, has experience with handling different situations, and I didn't/don't feel at all pressured to purchase. When it comes, hoping the second time goes just as well!

We never thought we could get the dream home after seeing the massive traffic at the open house,…read morebut Yao Li made the impossible happen! She is incredibly knowledgeable, strategic, and resourceful, navigating this competitive market with expertise. Her support didn't stop at closing--the unexpected and valuable after-sale service (including offering resources & connections to help fix small issues) truly sets her apart. We are immensely grateful and feel lucky to have had her as our agent.

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.

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.

Used them for two refinancing, can't beat the cost they give you. Shop around and confirm for…read moreyourself, these guys saved me more than Geico could. Googain seems more appropriate if you're somewhat familiar with home financing. For your first home purchase you may want someone who can walk you through the process and help you understand everything.

Our finance journey with ShirleyLu at MaxReal has been exceptional. Whether we were doing a…read morepurchase or a refinance, Shirley maintained an impressively high level of professionalism. She treated us with respect, took time to understand our goals, and executed everything with precision. Her service is timely, clear, and reliable--instilling a sense of security in an area that can often feel complex and overwhelming. If you're seeking someone who truly puts your interests first, Shirley is the one.