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.

Duc and Dean are both professional, knowledgeable, friendly, and highly responsive. They were…read morealways available to answer my questions and provide support, especially Duc, who even worked weekends and late hours to accommodate my needs. As a first-time homebuyer, I initially felt overwhelmed, but they guided me through the entire process and patiently answered all my questions, helping me feel at ease and reducing my stress. They took the time to understand my needs, explain the different loan programs, and help me find the right option. Although we never met in person, their warmth, kindness, and genuine care made me feel as though I had known them for a long time. Their dedication, patience, and outstanding customer service made my home-buying experience much smoother and less stressful.

AVOID!!!Totally incompetent mortgage lenders. avoid jennifer kirby at all cost shes a dimwit who…read moredoesnt understand how loan structures work and cost me thousands and months of lost time!!

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 absolutely outstanding throughout our entire home-buying journey. From day one, she…read morewas knowledgeable, responsive, patient, and genuinely invested in helping us find the right home--not just making a sale. She guided us through every step of the process, answered all of our questions promptly, and always made us feel like we were her top priority. Her expertise, attention to detail, and strong negotiation skills gave us confidence during what could have been a very stressful experience. What really sets Cristina apart is how much she truly cares about her clients. She took the time to understand our needs, provided honest advice, and was always available whenever we needed her. Thanks to her hard work and dedication, the entire process went smoothly, and we couldn't be happier with our new home. If you're looking for a Realtor who is professional, trustworthy, knowledgeable, and goes above and beyond for her clients, I can't recommend Cristina highly enough. It was a pleasure working with her, and I would gladly recommend her to anyone looking to buy or sell a home.

Where do I begin? Start to finish, Cristina is amazing. No hidden agenda, trustworthy service,…read morealways available for a million questions, absolute shark when need be, and the kindest soul. Even with a few minor catastrophes with the HOA, Cristina never lost her cool and Got. It. Done. Got more than I wanted for my property and Cristina helped me navigate the entire process, patiently holding my hand the whole way. There's no other realtor I'd ever work with, and I feel very lucky to have met her!

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.

Fremont Bank is a great place, and I was helped with great hospitality, efficiency, and quality…read more I'm very happy with the process here. Oswaldo is amazing and he gives great service. Thank you for your excellent services!

I normally don't write reviews, but for Thao I'm making an exception. She is an exceptional loan…read moreofficer and I couldn't have been happier working with anyone else. Thao is not only knowledgeable and professional, but also kind and genuine. She helped me with three loans throughout the years, and not once had I ever doubted her commitment to offer the best service I could ask for. Somehow, Thao always managed to procure us the most competitive rates. I really liked how she always clearly presented the different options and offered her honest opinion of the best choice for our family. I felt at ease knowing Thao always had our best interest in mind. When we were purchasing our first home, we ran into a lot of challenges due to our financial situation at the time. Thao worked tirelessly and had to think of out the box to help us close the loan on time. She went above and beyond to make sure we got the house. From that moment on we knew we had found the person who would help us with all our future home loans. What I remember from my recent purchases is how organized and resourceful Thao is. She always planned ahead and had all the documents ready for me. I'm horrible when it comes to paperwork so she made it easy for me. Thao was consistently accessible. I could text or call her at anytime without feeling like I was bothering her. It has been a great pleasure working with Thao throughout the years. Thank you so much for your kindness, passion and dedication to your clients Thao. Once again, I could not have been a happier client. If you choose Thao as your loan officer, you will not regret it.

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.

It was by luck we found Thuy on Yelp after my wife and I decided to put our rental property up for…read moresale knowing the current housing market is more difficult for the seller. First impressions of Thuy, 1. Professional 2. Honest 3. Has integrity 4. Personable 5. To the point 6. Organized 7. Patient 8. She knows the market From the beginning till the end of our fast selling process, it was easy communicating with Thuy. She values our time as we value hers. She was very conscientious of when to contact me knowing I have a busy schedule. She was always friendly and to the point which we appreciate. She never made any promises she could not keep, she is realistic. She always valued our inputs and gave us advice along the way. She is not pushy, but she got her point across and if you are reasonable, one will take her advice. From scheduling documentation signing, meetings with us, taking care of remodeling our property, staging, and photo shoot, everything ran like clockwork. Never has she complained about the stress she was under, instead she put us at ease. All my wife and I did was sign docs, make the final decisions, return her messages and calls in a timely manner, and our property sold in less than two weeks in this August 2026 market. My wife and I expected our property to be on the market for at least two months. I doubt we were lucky, it was because of Thuy's expertise. Will I choose Thuy to be our agent again, 100% Yes. I know not everyone's outcome will be the same, but I know Thuy will try her best to get you there if you are a realistic client.

Thuy did it again! She was able to sell my home quickly in this uncertain market. She was…read morereassuring and communicative throughout the whole process. As a seller this time around, I had to lower my expectations since the market is not as "hot" as it was a few years ago. This was fine with me since I just wanted my home sold ASAP since we already purchased another home and didn't want to hold onto two homes. Thuy's ability to quickly close deals and negotiation skills make her a great choice for any real estate needs. I highly recommend her if you're looking for someone that is willing to go above and beyond. Reach out to Thuy if you're looking to buy or sell in the nearby future!

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