Bobby Ngo was amazing and made me feel comfortable with every step of the house buying process.read more

OWN Real Estate came highly recommended by a previous client, and it turned out to be the best…read morerecommendation we've ever received. As first-time homebuyers searching for our forever home, we were working under a tight four-month deadline--and thanks to their exceptional team, we found the perfect home in just two months. We worked closely with Wesley and Kinsey, who were both incredible throughout the entire process. They took the time to educate us on every part of the home-buying journey, helped us understand the pros and cons of each property, and answered every question and concern we had with patience and clarity. Their experience truly shows. Wesley and Kinsey are outstanding negotiators who helped us secure a great deal on our home. They were honest, supportive, and knowledgeable from start to finish, making what could have been a stressful process feel smooth and manageable. If you want honest, patient, and highly experienced realtors, we cannot recommend OWN Real Estate enough. They helped us find our forever home, and we are so grateful for their guidance and dedication.

My loan broker Kenneth Woo is the best loan broker you ever can ask;…read morehe is professional and knowledgeable. He can book book all difficulty loans and he is hand on with all details The services of him is 10 starts !!!

Ken Woo with West Coast Financial has helped us refinance our home 3 times, and each time he has…read morebeen extremely efficient, timely and courteous. We got an amazingly low rate through them as well. Overall we've been extremely happy with his services and would highly recommend him. I have referred him to several other people as well because I feel confident he will get things does as he says like he has with us. A great experience working with Ken!

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.

Very disappointed with service! My CD matures today and I am going on vacation tonight. Went to…read moreroll over a CD and they said I could not until the next day. I initially called and someone said I could and finish the paperwork when I got back from vacation but they just blew it off as some new employee who didn't know what they were talking about. I still don't understand why they couldn't close my CD and open a new one. Finally said fine give me my money and I'll go down the block to Patelco who actually has better CD rates.

I now understand the reasons fr all the negative reviews. I was here yesterday to deposit a check…read morefrom an account I closed at another institution into my checking account. The associate and the manager not only put a 5-day hold on a cashier's check but also pressured me to keep the money at their institution in order to bypass the hold. They asked inappropriate questions about what I was planning to do with the money and took 30 minutes to complete a simple deposit transaction. To call them highly unprofessional would be an understatement!

It's the same old story. Waiting for the Fed to lower the rates to attract more buyers while Saxe…read moreis allowing the borrower remain in default for the last four years. Borrower lowered the selling price only slightly just enough to fool Saxe not to pursue further while the investors' hard-earned money is not accruing interest. Think long and hard before you invest money with Saxe. Many other hard-money lenders out there control their default borrowers more efficiently.

The company is unregulated, making mistakes in accounting, terrible customer service, bait and…read moreswitches, leading the customer to believe that Saxe will continue their process efficiently then bam makes a u-turn only for your loan to go to default then bk then they own your home right under your feet.

I want to share my experience with Jorge Gutierrez from USA National Title, not as a client, but as…read moresomeone who found themselves needing help and got lucky. I had a pile of documents about my property and, honestly, I had no clue what to do with them. I'd just turned eighteen, so everything felt new and pretty overwhelming. When I reached out to Jorge, I didn't expect much, but right away, he made me feel comfortable. He patiently explained everything, went over each document, and made sure it all made sense to me. What stood out wasn't just how clear he was, but how much he listened. Even though I wasn't officially his client, he treated me with real care and respect. You could tell he genuinely wanted to help, no matter who you were. We really need more people like Jorge these days. People who'll slow down, pay attention, and actually help you out. He made a big impact on me, and I hope I get the chance to pay that forward to someone else. Thanks, Jorge, for stepping up when I needed it. You made a tough situation easier, and I won't forget it.

This is a slapdash operation. Nonexistent customer service and the fact that I'm dealing with…read moresomething from two years ago tells me they don't close out their books properly. Run the other direction.

Cecilia Diaz was incredible to work with throughout our home-buying process with Patelco. My wife…read moreand I fell in love with a home and knew we needed to be competitive with our offer, and Cecilia helped make that happen. She got our pre-approval done quickly and even took the extra step of calling the listing agent to put in a good word for us. Throughout the entire process, she was responsive, polite, organized, and always available to answer our questions. She helped us navigate all the tricky to-do items and made what could have been a very stressful experience feel seamless. We closed on our home in just 21 days, and we feel great about our loan. We are thrilled to be first time homeowners and could not be happier with Cecilia and Patelco. I would 10/10 recommend her to anyone making their next offer on a home.

Love Patelco and excellent service especially Vanessa Base and Tony Roldan. Best credit union…read moreever.

I had a great experience working with Dwight on a commercial mortgage refinancing. Anyone familiar…read morewith the space knows how difficult and confusing commercial lending can be and it's nothing like a residential mortgage. I thought I had a good handle on it after securing an SBA loan years ago, but pursuing a private refinance was an entirely new ball game. To make matters more challenging, our situation was complex and far from straightforward. I was incredibly fortunate to find Dwight through a referral. He was patient throughout the entire process and took the time to guide us every step of the way, ultimately finding a loan program that met our criteria. I truly appreciated his persistence, follow-through, and high level of professionalism. I would use his services again without hesitation. His service is worth every penny!

This is my second commercial real estate loan Dwight Daguman and Pacific Bay Financial have done…read morefor me in the past 9 months. Thank you, Dwight and to the company for a job well done! Dwight had warned me that the SBA loan process will be extremely documentation heavy. But he also smoothed the bumpy road for me to accept the scrutiny that lenders undergo when evaluating business entities. During this period, Dwight made recommendations and patiently explained the complexity of the process - and I felt at ease to continue with the process all the way to a successful end. His oversight produced financial gains, both short-term and in terms of long-range asset accumulation planning, for which my family and I will be forever grateful. Kenneth

Derek Yeung and the Mortgage Connection team are the absolute best. They have helped me get the…read morebest rates when buying my first home and refinancing. They are always super helpful and great to work with, providing all possible options and answering any questions I have.

Derek called me back within an hour after I left him a message. He asked me what I am looking for…read morein refi and few simple questions. I felt very comfortable with him on the phone. Prior to speaking to him, I spoke to couple of mortgage brokers. One of the broker I spoke to have good reviews and based in Foster City. He was making big deal and telling me how difficult to understand my current mortgage loan. Asking me to send him closing disclosures and all sort of documents. I provided everything he asked for and he ghosted me. Another broker company, well known in social media, tried to charge me over $23K for their service! Derek send me loan estimates within 24 hours and let me know which loan is best for my situation. He also explained his fees will be paid by the lender, not me! He is honest, organized and efficient. You can't find business like that now a days. I will be going back to him again and again. Thanks Derek!

Phenomenal is the first word that comes to mind when thinking of this staff. I haven't been to the…read moreOcean avenue location in 3 years and my experience was just as pleasant as I remember before. Big Shout out to Bao who I recognized immediately just by hearing his voice. His humor and positive attitude is infectious. It is essential to feel supported and most importantly, valued by your financial institution. I appreciate them for always providing a welcoming experience. Ian

Higher Savings Rate & Low Loan Interest Rate! Great branches…read morewith warm welcome. Thank you