UGH what a total [insert bad word here] As part of my job, I have to call to verify a couple of information regarding a loan. When I called Qing to verify with her some info she had sent to one of our mutual client to pass onto us, she freaking screams back at me over the phone saying "It's your job you figure it out! I don't have time for this nonsense! You're suppose to do all this! Go call the client and ask him the details!" Um.. isn't that what the client is paying YOU to do? bottom line is.. she's rude, disrespectful, and hard to deal with even over the phone. oh and the kicker is, after screaming at me over the phone for a good 10 minutes she had the audacity to tell me she needs the forms completed by me IMMEDIATELY! then hung up on me! needless to say, I waited til the end of the day to complete that one just to piss her off a little. read more

Qing at QC Financial got me reasonably good deals twice in the past. She was quick, effective, and no-nonsense. But the most recent time I tried working with her was a disaster. The trouble started when she offered me a rate I thought was uncompetitive. I explained my reasoning -- the rate was above market average while I have stellar credit and substantial equity -- and asked her to improve it. She refused and turned hostile. She told me I was a bad customer, that I treated her with disrespect, that she was only helping me as a favor, etc. She continued being rude and condescending in all subsequent conversations I had with her. When I told her this attitude was unprofessional and unacceptable, she redoubled her verbal abuse. I "fired" her on the spot and will never work with her or refer friends to her again. read more

This is an experience from a couple years ago, before the current crisis, (and before I was on Yelp), so the current tight lending standards weren't a factor. As a first-time home-buyer, I had a high level of trust in Qing, who had locked in my rate with a bank approval and I was in contract - big mistake! To cut a long story short, as we were working to close the loan she kept telling me that the rate was not possible, raised the rate from another bank and finally 4 days before the close of escrow that she couldn't find a lender. I was scrambling and closed with another bank in 4 days to manage to close in time. Qing is super aggressive and unwilling to talk or explain anything. She wants your complete faith (and money) and offers none in return. She ran my credit report 4 times in 4 weeks, even though I stopped dealing with her - and it dropped my credit score. I would stay far away from QC financial. read more

So I got Qing Qiu's number from a coworker and contacted her regarding a refinance. At the very onset she was EXTREMELY RUDE and had a nasty attitude. She has ZERO communication skills and I would recommend her to NOBODY!! I thought I would give her the benefit of the doubt, so I decided to look up her other reviews. They are exactly like mine. See for yourself! Stay away!!! http://www.anpedia.com/business/0122379556-Qiu-Qing-Q-C-Financial-Cupertino-CA.html read more

I signed up a Yelp account because I want to share my experience with QC financial. Don't trust her 100% and use her as the single loan agent. (always have a back-up loan agent ready if she can't offer a deal to your satisfaction) We dealt with her twice. The first time was OK, but the second time was terrible. She forced us to wait until the last minute to see if the rate drops and forced us to sign a 30-year fixed loan program with 1 point and over $2k of fee (no reimbursement from her at all). There are times that the fee could be waived, but she didn't lock the rate at that time. The rate was high when we had to lock the rate, so we told her that we want to switch to a five-year program. She didn't explain the details and simply said the rate is also very high. Overall, she is not consistent. Sometimes, she does find good deals if the rate if low. But when the rate is high, she will not try her best to lock the best rate for you. read more

Qing is absolutely fantastic!!! My wife and I have been working with her as our main mortgage broker for the last 4 years. She has consistently gotten us the lowest 30-year fixed rates, at no cost, no fee everytime. And I have refi'd with her 4 times since last year, reducing my monthly payments significantly each time. Yes, you may have to pay the appraisal fee upfront, but she always reimburses you, and she keeps her word. I appreciate her no non-sense, to-the-point, matter-of-fact style of communication. Cut all trivial chatter, and get straight to the point and get it done ASAP. That's worked tremendously well for us. I trust her tremendously to get me the best deals possible each time, whenever possible. I would recommend her to anyone who's looking for the lowest rate mortgages with no cost/no fee. read more

Qiu Qing is great - she is aggressive, efficient, no nonsense, and get the best rates and keep her promises of giving refunds of all fees. She can be trusted. Originally, we went to a different loan agent as he was highly recommended - but after 2 weeks, he told us that our application was rejected; and we had 30 day closing and now this guy has wasted 2 weeks of our time - and the alternatives he proposed to us was go to a 7 year ARM and increase interest rate!!! It was beyond belief. We had perfect credit score more than 800; and more multiple times the assets to show than the loan we are asking for, how can we be rejected?? We were mad and we called Qiu Qing immediately. We met with her the next day (Sat) with all our docs, on Monday itself, she called to tell us exactly how much we could borrow and that she locked the rate that was 0.25% lower than the previous loan broker. She then told us exactly all the actions we need to do to ensure we get approval and close as quickly as possible -- exact instructions in 1 meeting and 1 email. And then for the next 3 weeks, she was working VERY hard to try to close this jumbo loan in time. Although she did not manage to close in 2 weeks (30 day deadline), she managed to close in 3+ weeks (25 days to be exact). We are very grateful for what she has done for us and we shall definitely continue to be her loyal customer and continue to refer her to every one else. Although she is a bit abrasive in her communications style, she is extremely efficient; that's probably why she does not have time at all to chit chat and make customers feel good. But I don't have time either, I just want good rates and close loan with no fee and no worries!!! With Qiu Qing, I have no worries. SYL read more

Referred by a friend and gave Qing a call. I found Qing arrogant, condescending and quick to judgement. After this initial conversation, I would rather pay a higher rate than deal with her. That said, I think Qing can get great rates and may work for some people. The ideal client for her is one that trusts her innately and doesn't take up much of her time. She's a high volume loan broker and is in the business of being fast and efficient. Get in the way of that and prepare to get run over. read more

After doing a refi with her early 2012, she called me out of the blue in July and said she could get me a better rate. We proceeded with the application and paid $400 for the appraisal (which she said she'd refund). Then MONTHS go by and she was not able to close the deal because the bank didn't like the appraisal. Background: we live in a single family home in a very nice area in Mountain View. We have more than 25% in equity and both have great income and the best credit scores. However, the bank rejected our loan because the appraisal didn't have "enough comps". Qing did nothing to help us out. We had to deal with the appraisal company on our own, and eventually gave up by early December. Qing refuses to refund our money so we're out $400. Do not get tempted by the low rates she quotes you. She is horrible to work with - very short on the phone and doesn't do anything to help you out. In the end, I would have put up with the lack of service for good results. However, Qing does NOT deliver results because she works with 2nd rate banks and appraisal companies. read more

Qing was aggressive and rude. I definitely would not refer her. She does not understand customer service at all. Saving money is not everything .... no-one expects to be shouted at, or talked over, especially when the goal is to have a happy customer and a good transaction. She seems to make her money through numerous transactions rather than concentrating on providing a good experience. read more

I've refinanced more than 5 times with Qing and each time it has been super smooth with better deals than I could get elsewhere. Highly recommended. read more

My experience with QC financial has been very bad, market rate was 5.0% and at the time of close, I got the 5.9%. I thought was uncompetitive. I explained my reasoning -- the rate was above market average while I have stellar credit and substantial equity -- and asked her to improve it. She refused and turned hostile. When I told her this attitude was unprofessional and unacceptable. She told me I was a bad customer, that I treated her with disrespect, that she was only helping me as a favor, etc. She continued being rude and condescending in all subsequent conversations I had with her. She offered me that she will cover all the cost, but at time of closing imposed many other costs on me, when confronted. Whatever she commits (never in writting) just scribbles on the paper, and what she offers at the time of closing are totally different things. It took me almost 10 days of calls and email to get my money back. She is extremely arrogant, does not bother talk to you straight, always think she is the smartest lady in the town and the ONLY loan broker around. read more

I had the worst human interaction experience with Qing. I did refi with her a couple of years ago. She was arrogant over the phone when I first spoke to her, but I was told that is her style because she offers the lowest rate. Unfortunately she promised me a rate that she didn't deliver in the end and when I questioned her, she turned rude and hostile and even hang up the phone. I can't imagine people like her can stay in this business for this long. Do not give her the pleasure of treating people this way as if she's doing them a big favor. There are plenty of mortgage agents around. read more

Qing is known to give good deals and has given a good deal to my friend. However like any other salesman she will try to get you to come to her office and then reveal the details bit by bit. She gave me a quote for a no point no cost loan at a good rate and asked me to come to her office with documents so we could start on the loan. After reaching her office with the documents the same day she says to me that even though the loan was no cost I would have to pay for the appraisal and she would reimburse me later. Further she said I may have to pay upfront for condo evaluation documents as well. All in all I would have had to pay about $700 -$800 upfront, which she promised to reimburse me. However the reimbursement was dependent on the loan closing and there were no listed reasons why the loan would be denied or approved. Furthermore the rate she quoted me was a ball park and she could not guarantee me if I would ever get that rate at the end of the process which would probably take a month. So in essence she told me after I reached her office that I would have to pay $800 out of pocket and at the same time was not guaranteed to get a rate lower than my current mortgage rate and was basically taking a risk. Had she told me all this upfront on the phone I wouldnt have hastened to her office. I hope she tells her future clients all the disclosures upfront instead of waiting till they come to her office. That would be much appreciated and will let them make decisions upfront. read more

She is efficient, gives lowest rates BUT you've to follow 'exactly' what she tells you. It is not an accident that she is the biggest loan broker 'without any advertising' . I've done many re-fi with her and barring once, all the experiences were perfect. She wants few, crisp documents and she will give you what you want 'on time'. read more

We have refinanced with Qing probably more than 5 times in the past 8 years. She is very quick and efficient, everything is done over the phone or e-mail. In fact we have never met. And rates she offers for true no-points/no-fees re-finance are unbeatable. I always shop around to get the best possible rate and always end up refinancing with Qing. read more

We just did our fourth refi with Qing. As usual, a super simple process, zero time wasted, great rates (a realtor I told about her initially couldn't believe the rates, now refis with her too), zero cost to us on our no points, no fees loan. We wouldn't necessarily recommend her to first timers who might like to take time to explore different scenarios, ask a fair number of questions and generally need more interactions to feel comfortable. Qing is best for folks who already know what they're looking for and are seeking a low rate and a fast process. read more

Reading some of the other comments, it looks like a lot of people have issues with her communication style. But beneath that, you will find that she is one of the best mortgage agents out there. I have been doing refinances with her once every 6 months for the past 5 years and she beats the competition hands down all the time. Highly recommended unless you want someone who gives you a higher interest rate but offers a nice cup of coffee to go along with it:-) read more

Agree with all of the negative reviews. She sometimes has good rates. However, when any issue or problem arises she refuses to help resolve. Extremely rude and unprofessional. Stay away, it is not worth taking a big risk with them read more

Qing did our loan a few years ago. We were quite impressed. She seemed very sharp and quick. She always seemed to be in a hurry and would take other calls while talking to you. So if you are bothered by that don't use her. However in the end the loan she got us was far better than all other agents we tried read more