Esther & Ruby Chien Mortgage - The Loan Story Stevens Creek Blvd, San Jose

Esther and her entire team at The Loan Story were simply amazing to work with. Esther had a very quick turnaround time - from the time we submitted the financial information to when she provided a loan approval. This was critical in getting our offer approved with minimal hassles. Overall, we felt like Esther went above and beyond to find us the right lender, walked us through the entire process, and was always available to answer questions. Her response time was impressive - it felt like we were her top priority from day one. Such excellent service is very rare in my experience. In the end we got a great rate, stress-free service in the competitive environment of the Bay Area, and a fast closing time for our loan. We couldn't be happier with our experience at The Loan Story.

Ruby, Esther, and Paul are a wonderful team. Due to the crazy Bay Area market, my wife and I worked with them on our own for almost two years before finally jointly closing on a property with family members. Their experience really shows through their counsel, specifically regarding joint loans and the implications for the future - which gave us peace to go with this route. Despite many earlier efforts without fruit, the team stood by and supported us, constantly revising and updating our information and applications. Ruby, Esther, and Paul remained easily accessible and so friendly also! We highly recommend Esther and Ruby Chien Mortgage to anyone looking for a home loan!

Esther and Jerniel were amazing! Even from the start, they were super helpful an responsive in giving quotes, updating quotes, and providing valuable information and recommendations. Once we started the application process, they made sure that everything was detailed and accurate so that the application ran smoothly, making sure we knew what we needed to have prepared or what was needed. Would definitely recommend them and work with them again in a heartbeat!

Esther, Paul, and The Loan Story team were amazing during the entire process of buying our first home in CA. Their knowledge, expertise, clear communication, and thoroughness really helped us make informed decisions. They wear always patient with us and available to chat and answer our many questions. They kept in constant communication with all parties involved every step of the way. We really felt they had our best interests at heart. We would absolutely recommend Esther and The Loan Story team and would definitely use them again in the future!

We have worked with Esther and her team on a number of occasions and she is a true professional. Both Esther and Paul took the time to ensure that we understand the entire process of closing on a mortgage and there were always willing to explain things until we were comfortable. They are well organized, thorough as well as kind which made all of the difference in our interactions with them. Thank you The Loan Story!

It was a great experience working with Esther and her team! She is very professional, highly knowlegable and has tons of experience as loan agent! She goes above and beyond for my loan application, she is patient to answer all my questions, explain the hard loan terms until I can understand, try different approaches to improve my credit scores and increase closing credit, and schedule phone calls on weekends or late evening when it is needed. Esther is awesome and highly recommended!!

I would like to thank Esther & Ruby for their great help in my mortgage refinance. I met Esther & Ruby as a first home buyer in 2016. They are responsive, knowledgeable and experienced. I was very happy to get my loan at a reasonable rate of 7 year arm at that time. And I was advised to refinance in the future if the rate could get down a little bit. And then it came to the year 2020 when the rate hit a historical low. Ruby contacted me immediately and told me the good opportunity of refinancing to get a 30 year fixed rate without any closing cost. I am so excited that my monthly payment drops a lot. They are really friendly and professional. I would like to highly recommend them to my friends!

Esther and her team are great! As a first time home buyer, I thought mortgage would be very complicated and scary. But working with Esther and Paul was a very pleasant experience. Esther and Paul were very responsive, and they would answer my questions and address my concerns literally anytime. I know they would be there if I had any issues or second thoughts on my loan as my situation changes, and I know I can rely on them. I really appreciate their hard work! Highly recommended!

My partner and I are first time home buyers and Esther Chien and Paul Reyes were wonderful partners to work with! Esther explained the loan process to us step by step in the beginning and she had locked in a low rate for us in a very timely manner. Esther responded to our questions very patiently and she was also very quick to respond throughout the entire process. They also proactively followed up with us to ensure we meet the deadlines and kept us on track. We would have not been able to do this without their help! We really appreciate all of your hard work and would highly recommend working with Esther and her team.

Esther and her team (Jerniel, Paul, Ruby) provide extraordinary service when it comes to mortgage refinance and new home loans. I stumbled across them on yelp when looking at my options for a mortgage refinance. Esther was happy to talk with me on the phone back when everything was just a theory. When I finally decided to move forward, I contacted Esther to get everything started. Esther is knowledgeable, personable, and helpful. Esther even went above and beyond by helping me through a situation while she was on vacation (sorry Esther!). Esther’s team excelled at keeping all stakeholders advancing toward the finish line in a timely manner. Her team was always quick to respond to my emails full of random questions, which I appreciated very much. Esther’s team is professional, informative, and efficient. Our refinance was completed quickly which is a credit to Esther and her team’s hard work. Everything went so well with our refinance that we also employed Esther’s team for a new home purchase. That also closed quickly and felt effortless on my part. As an extremely busy business professional, husband, and father, I appreciated the time I got back due to Esther and her team getting everything done efficiently. If you need help with a refinance or new home purchase, I highly recommend Esther and her team. I will be using them for all my mortgage loan transactions going forward.

Esther and her team (Jerniel, Paul) provided top-notch service in helping us purchase our first home. From our initial conversation, she already impressed us with her knowledge and confidence, and from there we knew we were in good hands. As first-time homebuyers, we had a lot of questions regarding the process and they have been so responsive and patient with us. Our home buying journey was honestly such a rollercoaster ride experience but we managed to pull through because of the amazing team work and efficiency of Esther's team. We are beyond grateful to Esther, Jerniel, and Paul for making this happen for us! :)

We sought Esther and her teams help after watching a youtube interview of Esther! They helped us to strategize our loan and home search. Esther also introduced us to realtors Kathy Low and Kathleen Chiu. In the end our search was relatively short and Esther’s team helped us to close within 23 days. We highly recommend working with the team.

Esther and her team were amazing to work with. They were extremely helpful, responsive, and professional during the entire loan process. I highly recommend them to anyone looking for a loan

Esther and Jerniel helped me find a lender and purchase my first home. They were patient, very knowledgeable, and professional. If I could redo everything in my home buying experience I would've gone to The Loan Story sooner!

Esther and her team did a fantastic job. They are incredibly professional and friendly. We will do business again in a heartbeat.

Esther is awesome from the first call all the way to the closing of our house. She was very knowledgeable in her field, and was able to find us the best mortgage plan we could ask for. She was very responsive and patient with us. Every time we were about to submit an offer for a house, we always checked with her first to see if the offer was doable. She gave us the answer almost immediately every time (sometimes I wonder if she actually sleeps). We were very happy working with Esther, Paul and the other team members at Loan Story. If you are looking for top notch professional loan service, go to Esther!