Great people. Money at reasonable rates when banks are not supporting your business growth.read more

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

My wife & I worked with Carrie for a refinance as well as several different loan scenarios to…read morepurchase a new place. Throughout the process, Carrie was patient, competent, and quick to respond to the hundreds of questions we had. She was very clear about what she needed, and streamlined the whole process. Carrie was professional and made the process easy. In fact, our real estate agent said that one of our offers was really attractive, despite not being the highest, because Carrie made a great impression on the seller's agent. We really appreciate what Carrie did and will definitely work with her again.

I don't think that we would have got the home of our dreams in Alameda without Carrie…read more She helped us understand the market in Alameda and was a great partner in this (crazy) market to get our offer approved. Also, Carrie always makes herself available when you need to talk to her even though she is extremely busy with her work and life.

Michael was great made it happen this is my second financing with him both times successful to…read moreachieve a gool recommend anytime thanks again

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!

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!

This review is for Ken Hui. He has been our loan officer for the purchase of our 2 homes within the…read morepast 4 years. Ken went above and beyond to help us find the best solutions and interest rates for our complicated situation with the most recent purchase. He would lay out in details our loan situation and the alternative scenarios for us to consider. Ken helped us close our most recent home within 15 days flawlessly. If you are in a market for a trusted and dedicated loan officer, look no further than Ken Hui. He will ensure your are taken care of from beginning to end.

The review is for loan officer Lee Zhang. It was our first time buying a home, and we didn't have…read moremany connections in the Bay Area. When we were shopping around, he initially quoted us a lower interest rate compared to other loan officers, which led us to choose him for our loan application. However, by the time we closed, we ended up paying more than 1% higher than what we were initially promised. Additionally, throughout the entire process, I felt that Lee Zhang was manipulative and used tactics that made me uncomfortable. I felt judged and bullied whenever I questioned his decisions or didn't follow his advice. What's more, He asked me to sign an additional agreement that included a penalty if I paid off the loan early, which raised a red flag. This practice isn't even legal. I didn't realize it at the time, and I regret signing it. If you're in the market for a loan, I would recommend speaking with multiple loan officers and comparing offers right up until the last moment. Don't make your decision based solely on trust at the beginning. Ultimately, it's about money, so do your own research and keep comparing until the very end. What's more, it's unusual to see so many reviews that are either 5-star or 1-star. It raises suspicion that someone may be posting fake 5-star reviews to attract customers.

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.

Mike Chiu was was Mister Customer Service…read more Mike specializes in re-fi's and purchase loans. I was referred to him by a real estate agent who loves working with him, Shelbie Butler. He responded to my email within hours, got my information, asked for documentation and got in touch with me again the same day. The refi he found that was the best for me wasn't even someone he represents so he did it for free with no commission. Amazing. Fast, connected, hardworking, honest. Totally appreciated working with him. (415) 793-2485 cell (650) 340-7800 office

I have used Evie through 5 home purchases now, from my very 1st purchase of a condo over 17 years…read moreago to our newest home. This last one has taken the cake over all the others. We finally ratified a contract after 10 months of searching but as it turned out, she was out of the country at the time. She worked through her vacation no matter the time difference to ensure our loan was going smoothly to meet our deadlines. Then she tirelessly worked through all the obstacles that were thrown her way due to our extremely complicated and difficult situation and made things happen even when we thought there was no hope left. She has always been very responsive whenever we had questions no matter the time or day and has always been very pleasant to work with. She goes above and beyond what would be expected of a loan agent and I would most definitely recommend her. I don't expect to be moving anymore but would definitely use her to refinance in the future.

Very kind and very honest. When I called her I was in a bad position and truly needed kindness and…read morehonesty. I had called multiple brokers trying to find a solution to my tangled financial situation. She wasn't able to help me, but dear Lord it was a relief to have someone give me a straightforward (and politely phrased!) "no" instead of all the double-talk I received from other sources. (Most of the brokers I contacted didn't even bother to call me back. She replied promptly and I am so grateful. Even if she couldn't help me, she was honest.) It's like what another reviewer said, she gives you straight answers even when the answers do not benefit her.