Evolve Bank & Trust Home Loan Center Crow Canyon Pl, San Ramon

We had 21 days to close, and we were two days behind trying to lock in a better rate. Richard locked the rate for us the same day we reached out to him. He is amazing! We submitted our documents and he took care everything else for us. The whole closing process went very smooth and he did the best he can to make sure we close on time. Despite being behind for two days, we closed and got our key one day ahead of schedule. I would 100% recommend Richard and would come back to him for our second property.

I have worked on refinancing with Mr. Ma twice in the past three years. I found him to be competent, efficient and easy to communicate with at a personal level. The business moved smoothly and concluded in a reasonable time. Thank you Mr. Ma

Richard was the most thorough broker I've ever worked with. He works 24/7 and in the end got us the product we needed not just by but before closing so we were able to one early.

Richard was knowledgeable, great service, answer all of our questions and patience... Our loan was done a week early, guide us through every step... He was even accessible during his vacation, definitely will recommend

Great place! Simple refi process thanks to Richard Ma.

It was a pleasure to work with Richard! Helpful most knowledgeable friendly professional and he goes beyond and above. We closed two houses. Very happy customers. Thank you Mr. Ma

Richard Ma took on a complicated refinance for 3 of our properties and patiently worked through it all during the middle of nervous lenders and COVID - completed in record time (sarcasm). Haha. Started July 2020 and completed March 2021. Thank you, Richard.

Richard Ma is hands down the best, most knowledgeable, and most trusted home loan officer I have ever worked with. Wouldn't see myself doing business with anyone else.

Best experience with a lender I could have imagined. Cut the BS with Big Banks and talk directly to another human. Great rates!