Nhan Cao is an incredible mortgage broker! He made the impossible happen and got my loan approved…read moreand closed while I was literally in the hospital about to give birth. We officially closed on our house the same day my baby was born. Talk about stress-free and reliable! Nhan was professional, responsive, and on top of every detail. I couldn't have asked for a better experience and highly recommend him to anyone looking for a smooth and trustworthy mortgage process. Will be referring him to everyone!

Nhan and his team are absolutely amazing to work with -- truly the best in the business! They are…read morehighly knowledgeable, experienced, and take the time to patiently answer all of my questions while walking me through every step of the process, from refinancing to cash-out to new loans. I've worked with Nhan on multiple transactions, and every time they deliver with record speed -- closing in as little as 18 days! If you want a smooth, stress-free loan process with a team you can trust, Nhan is the one to call.

I HIGHLY recommend working Antonio! I had a wild ride to get my loan closed on time as I was…read moretraveling. Antonio was able to close my loan on time before I left for my second vacation. I am so grateful that he was my loan office and will revisit him whenever I decide to refi.

We attempted a home refinance with Loan Factory and worked with Arton Chau as our loan officer and…read moreAnder David Herrera as our processor. Our refi did have some unique circumstances given I was on maternity leave at the time and I wanted to give some grace for that, but the issues we had went far beyond a complicated refi. Additionally, when we decided to go with another company, the process was so smooth that it proved the situation never should have been viewed as that complicated to begin with. The main issues were: 1) Information would be asked for, we would provide that information, nothing would happen, we would ask questions then they would share they needed information that we had already provided that was right there in the same email thread. 2) The information they claimed to need from my employer kept escalating. They asked for a letter verifying I was still employed despite being on leave, my employer provided it, nothing happened, we checked on progress and they said we needed more. They asked to speak with my manager to simply confirm my employment, they didn't contact her for over a week, then they asked HR type questions she couldn't possibly answer. Then they claimed they just needed HR to confirm verbally that they had issued the letter, then they finally talked to HR and asked a bunch more questions. It was bizarre and honestly, my employer was apologizing to me by the end of it while I was apologizing to them. 3) They didn't care about official loan deadlines, because it seemed to be their plan to keep asking for extensions. We initiated everything on 9/8 and as of 10/17, past the 30 day mark, they were still "gathering information." Working with the company we ended up going with, we started with them on 10/21 and everything was completely wrapped up by 11/14. 4) When working with other loan officers I've had experience with, they will do things periodically on weekends or in the evenings as necessary to hit deadlines. This team seemed to never work weekends and at one point Ander went MIA for over a week of the process and was supposedly on vacation with no back-up. This wouldn't be a big deal if it were a longer process, but over a week out of 30 days is pretty extreme. From what I can tell, these people just aren't that skilled. They clearly have a big company and Factory is an apt name for it as I think they just get as much business as they can get, turn and burn, and don't really care about the service they are providing.

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.

Overall superb experience! Suraj is fantastic. Unbeatable rates, quick turnaround, clear…read morecommunication, responsive. Couldn't ask for more. I went with Wells at the very last minute and they were able to get it done on time, I think it was within 2 weeks, amazing! Will be my go to source for home mortgages from now on. At first, based on what I read from some disgruntled people on reddit about the Wells Fargo relationship discount, I was a bit worried. But it turned out to be completely fair and transparent without any tricks. There are a few conditions you have to meet (get the assets over to Wells on time) but Suraj's assistant Pam will remind you of the deadlines, and there is no "catch". I will recommend to all my friends for their mortgage needs. Thank you!

Suraj knows the details of the home finance process like an underwriter and helps with good…read moreguidance to create the originator application file with complete documentation so good at get go! We got to Suraj a little late in our offer process but he ensured that we were still able to close in time! Thank you, Suraj! We will always go to Suraj for our future mortgage needs.

Cristina was amazing to work with during the sale of our home. From the moment she joined the…read moreprocess, she was organized, proactive, and incredibly helpful. She helped coordinate inspection-related repairs and managed all of the contractors, which was a huge relief since we work far from home. Once we moved out, Cristina jumped into action handling final fixes, cleaning, staging, and photos. Everything moved quickly and smoothly, and our house was listed within about a week. She helped coordinate multiple private showings and open houses, and we ended up with multiple offers, ultimately accepting one over asking. Cristina was professional, responsive, and kept us informed every step of the way. She made a potentially stressful process feel easy, and we would absolutely recommend her to anyone looking to sell their home.

Working with Cristina and Julie was THE BEST experience! They took care of every single detail with…read moreregards from pre-market prep to closing. They really know how to navigate the changing Bay Area market, and with their talents and advice, I was able to sell at the price I was hoping AND after only one weekend of showing the home. They made a stressful life transition feel smooth and manageable. I cannot thank them enough!

The good - this branch is friendly and secure. They have free parking but you have to ask how to…read moreaccess it. They're open Saturday mornings. Now, for Fremont Bank, in general: I got a HELOC with this bank 18 months ago. The process took forever. I've refinanced in under 30 days several times, but this took 2.5 months! My fault for not realizing they have only one branch in Santa Clara County, smack in the heart of downtown San Jose. Makes direct connection difficult - had to fax lots of stuff to them, way beyond a refi. They are always super nice and helpful, in person and on the phone. But their system sets you up to fail. They require you to open a checking account, into which you make your payment. Your loan then withdraws automatically from the checking. It turns out the loan dept is completely separate from the banking part of the bank, even has different phone numbers, and never the twain shall meet. One side can't see the other side's info, so straightening out a problem is very difficult. If something does go wrong, you get fined three times: first from the checking (attempted overdraft), then from the loan dept ( Because there wasn't enough money in the checking) then the Loan Dept nicely calls you to tell you, but charges $20 to make a payment over the phone! And this happened because their app didn't send my deposit! I highly recommend doing a HELOC with your regular bank or credit union (or make this your bank, if it's convenient )it will make the process, and the aftermath - so much easier to deal with!

This review is for an arrogant and unprofessional customers service rep on the phone, NOT about…read moretheir products and services in general. When I called them to send a document to them per THIER request, that customer service rep just didn't give me any workable solutions with her arrogant attitude, without any solutions to my inquiry AGAIN to respond to THEIR letter as much as I can. She needs to be retrained to learn what customer service is, or look for other job. Totally different from those professionals at Fremont Bank who helped me to set up my HELOC several years ago.

I came across Thao through a recommendation from friends who had previously worked with her and…read moreshe's a total 5 stars. Before Thao, I had already researched a handful of best lenders but even still, she was able to get me the best rate along with lenders credit among them. Aside from her being knowledgeable in the field, what stood out to me most was she was so pleasant, patient, and kind. She has great interpersonal skills and was always courteous and willing to listen & answer my numerous questions. She checked back with me frequently, more so than all the other loan officers, and I felt she was genuinely always on my side. I told Thao that I will be returning to her services when I need to refinance my house & I intend to

Thao is an excellent loan officer. She was very responsive, on top of everything, and she made my…read morerefinance process super smooth. Plus the rate was the most competitive. I would recommend Thao and would go back to her when I need a mortgage loan.

I worked with Houston, the branch manager for my first home loan. I must say that i couldn't have…read morepurchased a house in this competitive market without Houston and my agent. Houston and his staff are professional and knowledgeable about home loans. Above all, Houston has a lot of empathy for his customers and he goes out of the way to make things happen especially for a first time home buyer like me. I highly recommend him and Gold star mortgage to prospective home buyers.

Avoid going to this lender. They are very careless and unprofessional. They made me…read morelose almost 10 thousand dollars for having me remove a loan contingency. Turns out I didn't even get approved for the loan. Thanks a lot Loan Simple for that slap in the face. I m a first time home buyer and I trusted you to help me buy my home. Not only did I not get the house I also lost almost 10 grand of my hard earned cash to the buyer because someone wasn't following procedures. Next time if anyone ever goes here be sure to be cautious and make sure they have your loan approved before they have you remove the contingency. You will lose your deposit money like I did. This place deserves a negative 5 stars. If you value your hard earn money go to the real professionals not these people. I m not even sure they have their license. Jeannie's name was on all my paperwork that they handled for me. She had her assistant Tammy handle my loan. I did my research on Tammy and found out she has no license. I found this out on Zillow . On her profile it says license to work in no states. That means she's not licensed to do loans. Avoid this place as much as you can.

Thuy Do is THE realtor! She is the only one you need when either buying or selling a home. You do…read morenot need to look any further if you're looking for a realtor. Contact Thuy ASAP! She goes above and beyond for all her clients. She is a lovely human being and so sweet. She is also straight to the point and will tell you as it is. This is the type of realtor you need when you're buying/selling, especially in the Bay Area. Thuy is an expert in her field and knows all the ins and outs. She will make your homeowner dreams come true with her negotiation skills. Extremely quick, responsive, and there for you 24/7. Thuy helped me purchase a home and is currently helping me sell my current home. She gets things done. Highly recommend her!

Thuy DO is excellent realtor. We needed help selling my father's house, and we knew it needed…read morerepairs and upgrades. Thuy had her contractor handle all necessary work and even arranged the property inspections. She truly does everything for you. We sold the house above asking price, and if you look online, you'll see that many others have the same great experience with her. Kim Brookshaw.

One of the better mortgage companies in the south bay. Ask for QD he is the most professional and…read moreefficient loan agent we have experienced with. Super reliable guy and made the deal go through. Leon the CEO is wonderful guy to meet as well. Great customer service and don't hesitate to ask for QD.

not communicative and unorganized did not have…read morecommunication with notary either and caused me a lot of stress