No stars... im looking to sue.. they screwed up my mortgage..didnt apply money correctly..fees all…read moreover the place..one was over 400 bucks... they sold my mortgage to rocket....well they are pulling the same shit...I have homeowners....since 2012...they claimed I didnt...and charged my account for "their" insurance... I told. Them repeatedly... spoke to some Indian guy on phone who said everything will be fixed... bullshit.

Wells Fargo is a horrible company who obviously doesn't care about their customers. They…read moretransferred us out to a scam company called shellpoint which I cannot make a payment! Does not recognize my loan number, can't get anyone on the phone? haven't been able to make a payment with wells or shellpoint. i'm behind on our loan with no one to take our money? tried to pay $6000. and no one would take my money? wtf

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.

One of the most amazing people we have had the pleasure to work with. She goes above and beyond…read more Thank you Tina.

Tina Broyles, the owner of LoanPros, is the most professional mortgage broker we have experienced…read morein the past 30 years. She is a delightful person too. We were Pre-Approved for quite a long time, (several re-approvals), before we found our ideal home in Livermore. She was very resourceful in obtaining financing for our special conditions. I would recommend her without hesitation. David F, Livermore, CA

Nick helped us with closing our first home. He was very quick and responded whenever I made a call…read moreand answered my questions. If not available he promptly called at the earliest. Everything went smoothly except at the last moment there was an issue with the HoA's insurance limit. Unfortunately that delayed the closing by a week but that was something that Nick had no control as it was an issue with the HoA not meeting the California requirements. But Nick followed up with the BoA lending team and got it resolved within a week. He also helped us get one of the lowest rates compared to any other quotes we got. It was great working with Nick!

Nic was our Bank of America loan manager for our first house purchased by my wife. In few words,…read moreNic was excellent in his professional advice. He was responsive, transparent and clear in his communication, which are 3 very important characteristics that help in decisions like buying a home. We received his prompt responses till late nights which meant he was working hard and was still courteous. His help made us stick to BoFA. If we purchase a new house, we will definitely reach out to Nic first. Regards, Pekon

As a self employed individual it was hard for me to get a loan. My wife working at a financial…read moreinstitution was having a hard time finding terms that would fit our need. We went to Juan Ortiz and he made the process quick as could be and simple. Just down to earth, old fashion customer service! Ever since then we have referred friends and family to him. First time home owners to other small business owners just like us. All have thanked us for referring them to Juan. Currently we were looking into refinancing and we decided to talk to Juan. He gave us great advise and put us in the right direction. We can always rely on him and his team to give us the right information, so we can make the correct choice and of course he has offered us the right type of loan for our needs. We highly recommenced him and I'm sure you will be pleased!

I must say Kim and Elizabeth(Juan's assistants) are truly assets to this company!!!!! They went…read moreabove and beyond to keep me well informed and educated every step of the way of my home buying process. They are an awesome team, I look forward to working with them in the very near future again :)

I love this brach so helpful everyone was so happy to help…read moreme figure out my situation

Mike at the new Milpitas branch was super helpful with the many questions I had, from opening new…read moreCDs to best interest rate options to manage my money.

Rachel was fantastic to work with in doing a refi for our home. She is organized, thorough and…read moreprofessional as well as kind which made all the difference. She was very perceptive with our concerns and gave concise explanations for all our questions. The loan process was complicated at times but Rachel was patient with us and understood our predicaments. Rachel helped us obtain the right loan package. My wife and I put our trust in her and she most definitely came through for us. We will certainly call Rachel for our next loan/refi and we will not hesitate to recommend her to our family and friends.

From the owner: Welcome to Rachel Loan Services! With years of experience, Rachel offers expert financing solutions…read morefor both residential and commercial clients. She provides a variety of mortgage options, VA loans, FHA loans, down payment assistance program for first time home buyers, adjustable-rate, and government-backed loans, to ensure a smooth home-buying process. To include but not limited to VA loans, FHA loans and first time home buyer. For businesses, Rachel offers customized commercial loans for real estate, start-ups, expansions, and refinancing, all with competitive rates and flexible terms. Her client-focused approach is based on trust, integrity, and exceptional service. Fluent in English and Mandarin Chinese, Rachel holds a Ph.D. in Business Planning and Organization Management. Let her help you achieve your financial goals with confidence.

I worked with Ka-Yi in Bay Apex. I highly recommend her as she goes above and beyond for her…read moreservice. To help you see the difference, I will compare my experience with her with my typical experience. 1.) Quick: Closing process usually takes at least 1 month, and more so when you refinance. Ka-yi makes it happen in 2 weeks. 2.) Attentive: It usually takes a while for the lender to get back to you on questions, especially during crazy time like this where everyone is refinancing. Ka-yi stays very on top of things and she will respond to you quickly, sometimes even at weekends, or later in the evening. I appreciate the attentiveness. 3.) More choices: An advantage of working with her is she can give you several choices on lenders that work best with your situation, whereas individual banks dont give you much choice at all. Prior to making with Ka-yi, I have no idea about online lender and I am surprised at how quick, efficient, and much less fees compared to what a normal bank would charge me. 4.) Less fees: She genuinely helps you to save money and fees, which I find to be a very very rare quality in a lender. 5.) Honest and open: She breaks it down for you very well, and is very detailed. In the beginning, I didnt go for 30-year fixed, and she actually told me quite honestly if I am looking for 7/1 ARM I can find better rates elsewhere. You can't find a better and more honest lender to work with. I will def come back to Ka-yi if I have to refinance/purchase again.

Ka-Yi Ho was the agent helped me to get the loan for my new home. I was absolutely happy about the…read morewhole experience. It was really nice to work with her and she was very patient, professional and knowledgable. I heard a lot of stories about the pain in the loan process, including asking for ridiculous documents one or two days before closing date, saying close on time but actually can not make it. I did feel worried when the closing date was approaching. There seems to be some extra processes that need to be addressed because it's a newly constructed home, even the builder told me It will be a very challenging task for her. But Ka-Yi nailed it and did pretty nicely. She explained everything very well, even when it's very late at night or when she was on vocation. And yes we made it. Ka-Yi was there helping me whenever I had questions, and responded fast. Signing documents, lock rate, actively helping me pinging the lender, builder and Escrow, everything went pretty smoothly. Ka-Yi also helped me get a pretty decent rate. The lender she was working with was flexible, also react pretty fast too. I would give more than 5 stars if I can, and I feel lucky that I met Ka-Yi and asked for help on loan. I have referred her to one of my friends that is thinking about buying a new home, and I would definitely recommend Ka-Yi to anyone that needs a loan.

The KPCU Milpitas branch is easily my favorite bank. I never thought I would write a bank review…read moreuntil my recent experience. I needed help with several transactions for an upcoming trip. The requests were a bit complicated but still well within what banks normally assist with. I went to four Citi branches, two other KPCU locations, and one Chase branch with the exact same request. The level of customer service I received from Holly and Raj at the KPCU Milpitas location was by far the best. It was not even close. Holly and Raj are incredibly friendly and genuinely willing to help. The moment you walk into the branch, they create a welcoming and comfortable atmosphere. I worked with Holly multiple times, and she treats every customer like a close friend. This branch truly feels like a neighborhood bank where the staff know their customers and are happy to go the extra mile to make sure everything is handled properly. I would absolutely recommend banking with KPCU, especially the Milpitas branch. Large banks often feel impersonal, where every interaction is purely transactional and you are just a name in a system. KPCU is the opposite. They truly care about their clients and it shows in every interaction.

I want to take a moment to recognize Aileen Exconde at the Milpitas KeyPoint Credit Union branch…read more From the very beginning, she has gone above and beyond to help me with all of my banking needs. She is extremely knowledgeable, professional, and patient, and she always takes the time to explain things clearly so I understand all my options. What really stands out about Aileen is how much she genuinely cares about her customers. She doesn't just treat you like another account number--she listens, offers guidance, and makes sure you're taken care of every step of the way. It's rare these days to find someone who combines excellent customer service with a personal touch, but Aileen does exactly that. Honestly, Aileen is the main reason I chose to bank with KeyPoint. Her dedication and helpfulness gave me confidence that I made the right choice, and every interaction since then has reinforced that. Because of her, I recommend KeyPoint Credit Union to my friends and family without hesitation. Thank you, Aileen, for all your hard work and for making banking such a positive experience. You truly make the Milpitas branch shine!

My first impression about Oanh is the nights she goes driving around the neighborhood that have…read morehouses are listing to make sure it's a safety area. She would have an actual view and true felling about the neighborhood before she introduce the house to clients. Wow! What a fantastic job! Oanh definitely got a lot of best reviews already such as knowledgeable, professional, dedicated,...(that's how i found her and yes! I had an excellent experience working with her). I wish there is a 6th star or more in any reviewing platform i would rate it for her. Now we digging to my tricky case. As a 34yrs old single mom, how can i afford a single house in a good zip code in San Jose? But with Oanh, nothing impossible! Oanh's expertise in negotiation was invaluable during the purchase of my home. Her knowledge of local market trends allowed her to get me a great deal while ensuring that both parties felt like they had a fair outcome from the transaction. She also ensured that i knew of any potential risks associated with purchasing a particular property. Then we proceed to loan section, it was not easy! But she is also a loan officer, I've trusted and let she take care everything. She was extremely accommodating regarding doing running the loan, finding a low rate. She always making herself available on short notice to me whenever she got a new info or an update from lander. After a month and haft throughout the process, i finally settled down in my new "sweet sweet" home with my lovely kids. We are truly thankful to Oanh and appreciate her efforts and her warm heart to help us get a house. From Lan and kids with love to Oanh! P/s: the bottle wine she brought on the day we celebrate new house and key receiving was so good!

From the owner: I believe in truly understanding each client’s needs and goals, offering customized solutions that…read morefit their specific situations. This personalized approach ensures that you feel valued and understood throughout the entire process. Using advanced technology like virtual tours, digital transactions, and AI-driven market insights, I provide you with convenience and accurate information to make informed decisions. My in-depth knowledge of Bay Area neighborhoods and market trends allows me to offer valuable insights and spot opportunities that perfectly align with your needs. Transparency and integrity are the cornerstones of my business. I’m committed to honest communication, ethical practices, and educating you about the complexities of real estate and mortgage processes. This builds trust and empowers you to make confident decisions. As both a realtor and loan officer, I offer a seamless, comprehensive service, simplifying the process for you. I’m also here for you after closing, providing ongoing support to ensure your long-term satisfaction and build lasting relationships. In summary, what makes my business stand out is my dedication to personalized care, innovative technology, local expertise, and a commitment to transparency and integrity. I strive to be your trusted partner in the Bay Area real estate market, making your journey enjoyable and successful.