Michelle was a pleasure to have as our mortgage broker. We spoke to another couple of mortgage…read morebrokers, a credit union and a couple of the bigger banks. We happened to receive a recommendation to get in touch with Michelle at Emerson Financial, and we are so glad we reached out. Michelle's knowledge, response time, and overall abilities made the whole process of getting our mortgage easy and pain free. She not only helped us secure our dream home, but her care and attentive actions helped us lock in a favorable rate for the current market conditions. The attention to detail she brings is on a different level from what we experienced, when speaking with all the competition. I truly believe that we wouldn't have gotten it done without her. Michelle and Emerson Financial thank you so much, and we are so excited for our new home.

I've been working with Dan (and his daughter) at Emerson Financial for five years, and they've been…read moreincredibly helpful. Dan advised me through the home-buying search then through the two-year wait to refinance. Dan consistently tracked market ups and downs, offering great advice on managing my loan and navigating the volatile market without losing my mind. He's not only friendly and incredibly smart, but he also provides just the right amount of detail without overwhelming me with financial jargon. His organized approach makes everything easy to understand, and I'm definitely looking forward to continuing our work together and recommending him to all of my friends.

My husband and I worked with Eileen last year on our first single family home purchase. Knowing we…read morewere up against the toughest housing market in the country, we were thankful to have Eileen on our team. We started the process with her in May of 2016. Eileen's communication was clear and concise, making the complex process as smooth as possible. She was also accessible and responsive at all times and had everything prepared when presenting offers. An offer was accepted in November of 2016 on a beautiful home we never thought we would own in the Bay Area. She quickly guided us through the closing process and the endless paperwork. Although stressful, it was seamless and quick under Eileen. Most impressive of all, she was able to secure our loan in under thirty days due to a demanding seller. I absolutely recommend Eileen as she goes above and beyond for you. She will be there at every step of the home buying process and was even present at our escrow signing! I would definitely work with her again.

I am BACK to continue to sing the praises of Eileen!! She is truly the best!! Eileen has been with…read moreme since Day 1 of my home buying, selling, and now looking to buy again and I could not feel any more comfortable or safe... This market has been so overwhelming and Eileen has really helped me to see exactly what I can manage---She is reliable and very responsive all the time--I sometimes feel like I just need to send her a note to calm my nerves. Eileen is an expert in her field and goes out of her way for her clients. I recommend her to everyone I know!

Mike was exceptional to work with! I was in the process of finding a lender and was referred to him…read moreby my real estate agent. I had been in communication with separate lenders through big banks, but due to the pandemic, their guidelines made it almost impossible to find a reasonable loan. I was almost ready to give up on the home mortgage loan application process, but Mike made this process go by with ease! Mike was efficient and extremely quick to respond to all of my questions via email. He was very organized with his checklist of documents needed to start the application process. As soon as my documents were submitted, he was able to find a lender who offered me exactly what I was looking for. The entire process went by quickly, as he was able to close in record time: three weeks! As an added bonus, Mike even covered the lender fee! I was very lucky to have had such a great experience with Mike as my broker! If you're in the market for buying a home and need a broker, please do not hesitate to contact Mike at Ascend Mortgage!

Mike is the real deal. I have referred and used his services many times. The communication is key…read moreand quick responses. If you are seasoned and dealt with financial institutions and know the hassle, lack of communication, errors in your needs, and having you feel like a number file.....yup then Mike is for you. The process is a drag but when you have someone who is on top of their craft you don't need to worry to much you almost forget this is happening very smooth every time even though snags come up Mike has the answers and process down perfect. You will not be disappointed.

Rosemary Gee goes above and beyond! What a great broker. Myself and my family have used her. We…read morewouldnt go anywhere else. She is super efficient but also has the 'personal' touch. Really takes care of her clients in all ways (including getting the best rate) Thank you so much, Rosemary

We have used Spinner Mortgage a few times and have been treated so wonderfully, and professionally…read more Ted and Jodi are such a team! Correspondence back and forth is quick. They respond immediately and always have an answer to our questions. Very experienced and knowledgeable. I would never go anywhere else. There are a lot of brokers out there but Ted and Jodi will never disappoint. They will get you the best rate in town! Laura C

I was a victim of the recent real estate bust in 2010-11 and thought I would be renting for seven…read moreyears before getting into home ownership again. Robert Reyes and his team made home ownership possible again for my family and I. They walked me through each stage of the process and personalized the experience. My only regret is that I didn't find Robert sooner! Definitely recommend. Al d.

Some people may call him Carlos De La Fuente, but to me he put Pinnacle Mortgage on the map and…read morewill always be the G.O.A.T (Greatest of all times). He came recommended to me by a family member years before I was ready to buy a home, and out of his kindness and heart to give everyone a chance to purchase, he guided me toward what proved to be one of the most difficult but at the same time the most rewarding experiences of my life. Using his recommendations, I worked hard to do my best to get ready for the purchase and when it was time, Carlos went immediately into action and advocated for me at every turn. Though we had to go through the paces, he was kind enough to check on me daily and encourage me to keep going, and to let me know that it would be okay, and we would make it through and be victorious. I honestly believe that if it wasn't for Carlos, I would be looking at renting for many years to come, he helped me believe that I could do it and now I have. He is such a seasoned professional, he could tell me what could happen before it hit, so that I could prepare myself for the roller-coaster in this crazy market. We even had a very tight closing window working against us, but Carlos helped me hurdle over every obstacle. The only sad part in this whole experience is that I won't get to talk to Carlos every day. Carlos for me was more than a Senior Loan Consultant, he was like a brother to me, and I will be indebted to him for the rest of my life. If you are ready to purchase or thinking about making a purchase or a reverse mortgage, there is no one else to call, but Carlos De La Fuente, he truly is the Greatest of All Times!!!!

LeAnn Yang was an absolutely excellent Realtor and we feel so fortunate to have had her by our side…read morethroughout our home-buying journey! She patiently answered our many, many questions, was always responsive and available, and even made herself available to be present for inspections when we couldn't be there ourselves. Her level of service truly felt like concierge-level care from beginning to end. Beyond being highly knowledgeable about real estate, LeAnn is professional, ethical, communicative, and genuinely invested in her clients. Buying a home can be a roller coaster ride with plenty of ups and downs, and LeAnn helped guide us through every step. She made sure everyone involved stayed informed, communicated with one another, and remained on the same page so that we could successfully close and finally get the keys to our new home. We are so delighted that we chose LeAnn as our Realtor. We would wholeheartedly recommend her to anyone looking to purchase a home or navigate the real estate process. She is the kind of Realtor you want in your corner!

We worked specifically with LeAnn. She's an amazing person. Very understanding, kind, supportive,…read moresoft spoken, and listen to our wants and needs. She valued our time, and knew what we were looking for and respected our budget. Right when we got approved for our hosting program, she dived right in and did her part. She's quick and fast with her service and replies. She got her team right on everything we wanted. Would I recommend her? Oh I would highly recommend her. No regrets. We closed on our house last month, and couldn't be more happier. Thank you LeAnn!

She's very professional. Very patient and very quick to respond. She will get the lowest rate for…read moreyou. She got me 6.375 for loan rate, which I think it's a pretty good deal. Highly recommend. She can speak mandarin, Cantonese, and English.

From the owner: As a direct lender, we're here to simplify your loan process. Our team offers unparalleled…read moreprofessionalism, competitive rates, and a diverse range of programs tailored to fit your unique needs. With our direct lending advantage, you get personalized service, faster approvals, and the flexibility you deserve. Our commitment to your success ensures a smooth, successful loan process. Choose us for a lending experience that's not just about transactions but about achieving your financial dreams. Your success is our guarantee.

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.

Best mortgage person in the Bay…read more Jay was incredible to work with, helped us close lightning fast, answered all my questions as a first-time home buyer, and helped me get rates and terms that surprised my realtor and impressed my knowledgeable friends. Buying a house is a major thing, with lots of stress. Working with Jay was like having a lighthouse in a storm, he was incredible. 28 out of 5 stars, can't recommend highly enough. This is your guy.

My experience has been mediocre with this loan agent and US Bank. I have done at least a dozen of…read morereal estate refinancings with different loan agents over the years, so I am familiar with the process. 1. The refinancing process was a little chaotic, and some departments in the bank were slow to move files despite borrower's multiple warnings of deadlines to the loan agent, so the loan did not close on time, which caused significant complications and expenses due to borrower's upcoming overseas traveling. 2. The loan agent promised a processing fee refund after loan closing, but he refused to honor it later. The borrower had to escalate the issue with his supervisor to get the fee refund. 3. Several months after loan closing, the title company told me they are still missing various signatures and notary acknowledgment pages for loan closing and they had to make an appointment with me to redo these pages. There seem to be many gaps in their refiancing operations.

So I'm usually strictly a foodie restaurant yelper, but I occasionally post reviews when I get…read moreREALLY excellent service in random areas. Joe Lanam & team are hands down THE BEST in service... period. I'll admit, I'm not some fixer-upper-flipping-multi-mortgage-purchasing-real-estate-tycoon, so I wouldn't really consider myself an expert in dealing with different mortgage brokers, but simply put, customer service is KEY and Joe's team had the right key for this mortgage lock, baby!! What did they do right you ask? Well, let me count the ways: 1) regularly communicating the latest news not to just me, but the lender & seller as well (the seller/developer sales(wo)man even made a comment to me privately stating how easy Joe & team were to work with), 2) simplified the process of gathering necessary support documents to the point where my 4 year olds could've figured out what to do, 3) made me feel right at home... literally... it was like I was chit-chatting with my long-lost uncle about loans & the next steps & what could be done for me to gain the most benefits from Trust that my next home purchase will lead me right back to Joe and trust that you WON'T be sorry if you decide to give Mortgage Services a try.

We've used Mortgage Services for a number of mortgages and refinances since 1996. We worked a long…read moretime with David Marx, and when he retired, Peter Frankel. They are honest, hard-working, and get the best rates available, sometimes by a wide margin. Their fees are reasonable, and transparent. Most of all, they take away a lot of the massive detail of mortgage forms, so that you only need to provide the bare minimum information, which they wrap up into all the proper forms and applications. There have been times they pro-actively acted as interests dropped quickly, to secure better rates than we had already agreed. We can't recommend them highly enough - great company and great service!