I've been in the mortgage business for over 30 yrs. Never have I ever experience such ease with a mortgage application. Minimal documentation, great service and rates. Matthew helped me thoroughly with Eric behind the scene overseeing and making sure my transaction went through. You guys Rock!!! Thanks for helping with the mortgage. Will definitely refer anyone and everyone your way. read more

As first time home buyers, we couldn't have asked for better support with navigating getting a home mortgage loan and securing a favorable rate. Very quick and responsive over email and phone, which was great in a competitive market and they were very helpful in our preapproval process, even when we weren't guaranteed to go with Uni First Investment and were still shopping around for quotes. If you need to close escrow fast, you can count on these guys to help get you there from a loan perspective. Shout out to our amazing loan officer Emerson for staying on top of everything to help us close our first house in around 3 weeks time, from securing a lower mortgage rate to dealing with the endless back and forth with lenders as we raced to the finish line on paperwork! Loan was successfully funded and we were able to close ahead of when we anticipated at the end of the day. I appreciate that they are truly here to help and did not feel haggled on at all. Please reach out to them for your mortgage needs! read more

Bought second property and Eric financed our loan. We close in 28 days!! Eric is fast at responding and directing, not to mention, great rate !!!Highly recommending him. read more

I was recommended Matthew by my colleagues at work, and there is a reason he's being recommended by them. Very fast in responses, professional, and rates were lower than some other major mortgages that I had quoted (one of them was telling me that there can be shady ppl giving me a fake quote on rates, only to switch it up a lot during actual closing, but since I knew Matthew was reputable, it just meant that the rates were much lower than what the competitor could match). He was also very attentive to a lot of my questions as a first time homebuyer - I was questioning a lot of things, being nitpicky, but he was able to explain and guide me through the process. Even my real estate agent, who was dubious at first told me by the end of the closing that they'd put him on their preferred list to recommend to future clients. read more

Eric is the best. He helped me to get the mortgage for my first property. In the past 10+ years, he did a few re-finance for me, no point, no fee, and provided the best service. If you want someone cares about the customers, Eric is the one :) read more

Just refinanced with Uni First again (my second time refinancing with them). Eric, Matthew, and Jojo helped us during this process, and they are truly professional, efficient, and friendly. We had a great experience again. Will continue to work with them in the future. read more

As first-time homebuyers, I was overwhelmed and clueless about the mortgage. Emerson Tat and Eric Lao at Uni First Investment, Inc. They turned my stress into pure excitement, guiding me hand-in-hand through every single step and secured us unbeatable rate. Emerson and Eric, you made our dream home a reality without the nightmare. First-time homebuyers , go check Uni First Investment, Inc out. read more

I'm a thorough guy and after searching through multiple options, Emerson at Uni First Investments stood out as the best loan officer with the best interest rates out of all the competitors. Not only was he knowledgeable and helpful, he would also respond after hours or on weekends which was a great customer service which I appreciated. You can clearly feel he is on your side and looks out for your interest when you're working with him. Great service overall, highly recommended! read more

Uni First Investment, especially Emerson Tat is absolutely amazing and truly the best mortgage broker out there! Thank you for always being available to answer my questions and for consistently offering the best guidance. I've worked with Emerson through a couple loan processes and each time has been incredibly smooth. He is extremely knowledgeable, quick to respond, and honestly I don't even shop around anymore. They've earned my business for good and I've referred others as well. Trust me, you can't go wrong with this team. Thank you Emerson, Eric, and the entire team for everything! read more

I contacted Uni First about three weeks before closing after ditching my prior broker due to high fees. Emerson emailed back with upfront quote and pricing and gave me daily updates on mortgage rate movement. Loan was funded on time in just three weeks. They worked with my escrow company directly as I did not use a real estate agent. read more

Worked with Lewis many times now and he's so responsive; works well with my agent, escrow folks, etc. and overall has been a great experience every time. Couldn't recommend him enough. read more

First time home buyer. Had no issues with Eric and his team. Quick and easy. Always answered my questions no matter the time of day and response was lightning quick. Highly recommended. read more

Wow 5 stars average, but you know what I'm adding another 5 stars for my experience with my guy Lewis. This guy is dedicated to work and have his cell pretty much with him all the time. I don't recall I ever cannot get a hold of him. Hard diligent and professional Lewis will find you the lowest possible rate and secure it for you. He made it everything easy as him and his team will do all the leg work while you just make the big decisions. You got questions, well he's got answers and he'll explain it in depth to you until you understand fully. Thank you Lewis and much appreciate you and the team in finding our lender and making the process easy. Please do remember and notify us at once when we qualify for any new low low rates ;-) read more

Excellent service. Helped me get my first Home couldn't do it without their help. Thank you

I just purchased my first home with the help of Uni First Investment. I worked with Paul, Eric, and Jojo and they were awesome. The team was very knowledgeable, organized, and helpful when I needed things explained. I had a ton of questions going through this process and they were always quick to respond. I highly recommend Uni First Investment! read more

So glad we used Uni First Investment. Eric and his team have been very helpful and super responsive to any questions we might have. They make sure we understand each process and what documents are needed. The whole experience was very smooth and fast. I will definitely recommend Uni First to anyone looking for lending services! read more

Eric and his team is amazing and highly recommented! They are knowledgeable, efficient and always have the clients' best interests in mind. They always find the best deal for my clients and my own refinancing! They communicate well with all parties involved in transactions. Most of all, they offer very competitive mortgage rates and fees for clients. read more

I have been using Eric Lao to refinance multiple times. He always responds immediately at all hours. I really appreciate the promptness of everything. All of this is very complicated for us average folks and he definitely answers all questions and helps us navigate everything smoothly. read more

I reached out to about 15-20 well reviewed brokers. Uni First was top 3 competitive in terms of their rate and overall offering (zero points, PMI, etc). I had already started preapproval with another broker/lender so ended up going with them since they were about the same as Uni. But writing this review as my experience was very positive working with Emerson Tat and if I wasn't already started with someone else, would have gone with them. Emerson was professional, responded quickly and did not put any pressure in terms of being salesy. And even though he knew I was shopping around, he still priced out where they were quickly and let the numbers do the talking. Some brokers wanted to have a call to perhaps build relationship and discuss how they will come through, etc. But Emerson was transparent, no games, just professional and straight up what they could offer. There is a confidence and boldness to this that I really appreciated and I will definitely reach back out for future needs. Big thanks to Emerson. read more

Matthew was our go to awesome guy for our refinance for our homes. He not only made sure we had the lowest rates but was available whenever needed and attentive. He was super responsible and quick to reply with the information needed to be able to help us move forward with peace of mind. Matthew had the best interest in us as customers. We are truly thankful that Matthew made our refinance processes super easy and smooth. Everything was completed in a timely manner ensuring the best rates, benefiting us. Thank you Matthew for your great and hard work! You made our refinancing so great, exceeding our expectations. read more

We couldn't be happier with Eric at Uni First Investment. They are incredibly responsive as all questions were answered within 5 minutes so you never got that feeling of "did they get my email?". But the most important thing is how competitive are their rates? We spoke to several lenders, big and small, and Uni First came in the lowest. The other lenders even said "sorry, we can't match that". For us, everything was done over emails and DocuSign so the process was quick and painless. This is the easiest 5 star ever! read more

I am very thankful for Eric and his team (Jeanie, Kit, Ernest) and especially Laurence. We were able to purchase our home and get a mortgage loan with Uni First at an amazing interest rate. We wouldn't be able to accomplish this without this amazing team. They are one of the most honest and diligent people I have ever worked with. This is a team with integrity and utmost professionalism. Everything went smoothly. I recommend Uni First Investment to anyone who is looking for a mortgage (purchase, refinance, investment planning, or just need some advice on mortgage, even a second opinion), you should look no further. Thank you Uni First. read more

Honest, fast, and reliable. I wouldn't go to anyone else. Eric replies to his email almost immediately. Best decision ever. read more

I never met Eric but heard about a broker in Alhambra a few years ago that would be able to refinance or purchase a home with no cost. The federal govt dropped interest rates to its lowest ive ever seen. Never knew about Eric and his team and did some research. We still never met but completed a refinance via email and a notary public. Professional and courteous throughout our interactions. In the first drafts i saw various fees for closing cost, but he assured me that the finalize document shows the proper credit. Everything went smoothly. Thanks Eric! read more

Just completed another home purchase with Eric. He and his team are awesome and took great care in answering the million questions I had! We also locked in an awesome rate. I will continue referring clients to them. read more

Uni First really impressed me, not only they completed both of my refinance (Primary and Rental) very quickly with promised great rates, but the personal attention and super responsive communication I received is beyond my expectation. I actually have never spoken with Eric but I had the pleasure to work with Matt who was assigned to both of my cases. He kept me informed every step away (which in unusual for this type of business as everyone is really busy) and always replied my messages right away even it was late in the evening. One of my original mortgages was sold to another company during the refi which caused extra complication and time needed to process the loan. However Matt worked diligently and proactively to obtain the payoff info so that my prior loan could be paid off on time. I also like the final confirmation emails I received prior to closing the loan where they highlighted all the important information such as when your first payment due, how much your min. monthly payment is, your rate/term. Lastly, I want to thank Uni that I didn't have to make a trip to sign the loan docs. Steven was very accommodating when scheduling the loan doc signing, he was also very patient and knowledgeable whenever I had a question on the docs. Uni closed my of my loans very smoothly and quickly, with no cost and enough personal attention and best rate provided. read more

Eric and team were excellent as they provided comprehensive, fast, and accurate service. I really appreciated their affordable rates and I'll continue to use them in the future, I'm already a return client. read more

I refinanced twice through Matt and both times he provided fast and great customer service. He's very responsive even when it's late or on weekends. He was able to help me lock in a great rate. Would definitely use him again and recommend to friends. read more

Matthew chan，He helped me buy a house twice. You must choose him. You won't regret it

Got my first house closed within 14 days! Mathew Chan is the guy you need!! He was very professional , responsive, knowledgeable, friendly!! Thank you Matthew and his team for the excellent customer service . Will definitely recommend to anybody needs a mortgage loan ! read more

Matthew chen. He is very good at talking and can solve many urgent and difficult problems with high efficiency. And I'm sure I'll with him again next time . read more

Uni First Investment offers great service for refinancing or mortgage loans. Eric is very knowledgeable and responds immediately to texts and emails. I can't imagine using anyone else and highly recommend him and his team! read more

Superb service quality with efficient response time! Eric & his team is professionally knowledgeable and quick to answer any questions or concerns. We just had our home mortgage refinanced. I would trust Eric with all my refinances moving forward and I would recommend you try him out as well. Not to mention lowest rates and fees compared to other lenders. Uni First Investment has earned my business. read more

I am so glad I found Uni First investment and can understand how they've earned hundreds of 5-star reviews. I've evaluated several mortgage brokers to understand their pricing models and fee structures, so it was hard to believe that Eric @ Uni First could actually provide a refinance process with no points or fees. It's the best service in 3 ways, especially during times like COVID: 1. Eric advertised (and delivered on) the lowest rate among all other brokers. 2. Eric was quick to respond. One thing to note is that we never talked on the phone, but the beauty of working with email is that our history was "in writing" so I could always refer back to Eric's answers. Speed and accuracy of information differentiates Eric's team from other brokers I spoke to. 3. A mobile notary came to my home and was courteous in remaining socially distant when possible during the signing of escrow docs. I am so glad I didn't have to walk into an office. Any loan needs for myself or family is absolutely going to Eric! His team are professional, there are no tricks or bait-and-switches, and it truly should be the standard for the home financing industry. Thank you Eric and Matthew for saving us a ton of money on this refi and our mortgage for years to come! read more

If you want an financing agent to hold your hand and walk you through house financing / refinance/ investment options, Matthew Chan is the man! He's fast responding, well prepared, very easy going, and knowledgeable. He doesn't give you bs like other agents do. This is the 2nd time he earn my business, and I'm so willing to come back again in the future! read more

Wendy professionally completes the loan process for us. During the COVID, although we have never seen her, through emails and phone calls, we can feel her professionalism. She has communicated with me on time and quickly with all the documents and procedures related to the house's mortgage. Without her, I wouldn't have been able to buy the house I wanted so quickly. Thanks for your help!!! read more

Wendy was our loan officer for purchasing our new house. She was very knowledgeable and responsive. Wendy help us get pre-approval and the loan process quick and smooth. I would definitely use her service again in the future and refer to my friends and families. read more

A friend of mine referred me to Uni First Investment and I'm so glad he did. I was a first time homebuyer so I had a lot of questions. Emerson was always responsive to all my questions and very professional. He made me feel at ease through the whole process that was nerve wrecking. Emerson definitely worked his magic because I got approved!!! Thank you Emerson, Eric and Uni First Investment team! read more

Eric and his team are lightning fast. We got our first mortgage with him and we are in process of refinancing. He is proactive and diligent and treats you like you are family. I highly recommend Eric and his team. Not only has he helped me with my first home loan but he has helped my family on multiple mortgage loans. He sees you through the whole process and works very hard to respond promptly. Even as a first time buyer, he was able to break down the process and patiently explain everything to us, which I greatly appreciate. Keep up the good work, uni! read more

I've been working with Eric 3 times now. Each time the team shows me the same level of professionalism and efficiency. (see previous review) I can't say enough good things about them. I just go around and recommend him to everyone I know. He is knowledgeable and stays on top of things which are important factors in this process. read more