Your trusted mortgage expert in San Jose, making home financing simple and stress-free.
Comprehensive mortgage solutions for home purchases, including competitive rates and personalized guidance for all credit types.
Expert refinancing services with proactive monitoring to secure optimal rates and streamline paperwork for existing properties.
Insightful advice and strategies for real estate investments, helping clients maximize returns and navigate market opportunities.
Specialized support for clients with credit challenges, offering tailored solutions to improve loan approval chances.
Dedicated assistance for self-employed individuals, simplifying documentation and meeting lender requirements effectively.
We had a difficult case, being self-employed and with some credit issue to boot. Stephen was fantastic at working within these constraints, making the process as painless as possible, and in the end he delivered. Half a year later, Stephen was still watching out for us and was proactive about suggesting a refinance, which was so easy this time around that it felt like little more than boilerplate paperwork. Thanks Stephen, really appreciate it!
Stephen has done several loans for us. He is the best agent we've ever had. We used to work with banks directly, due to several bad experiences with other loan agents. Until we found Stephen, he made the whole process a lot easier than dealing with banks directly. He's very trust worthy, always keep customer's benefits at first. He's also very creative. We have complicated cases that he knows how to work them through. He has great insights into real estate investment area. A great source to go to!
I can't recall the exact number of refinances I did my two houses in L.A. with Stephen. It must have been in the teens. Why I choose Stephen? Because he is fast, responsive, and truthful. And best of all, he's got extremely competitive rates. Working with Stephen is super easy. I don't need to see him at all. Everything is simply through phone and email. And what's convenient is he salvages your information from the previous refinance. That saves a lot hassle and privacy. I also like it how every time he is like an alarm clock telling me that is the right time to refinance again. When it comes to refinance , look no further, Stephen is the real honest and knowledgeable guy that you can count on.
Stephen had been my loan agents for 5 years. He helped me through my first home purchase, as well as my refinancing. He is thorough and detailed oriented. When I was buying my first house, he not only provided me professional mortgage services and recommendations but also share his real estate experiences with me so I could also get second opinion from him. Whenever I need him, he is always there to help and I feel like he works 24/7...:P I highly recommend him to you.
Stephen has been our loan agent for a long time. He did refinance for both our primary house and investment properties multiple time. He is very knowledgeable as what lenders are looking for and very thorough during the process. On top of it, he offers the best rate!
Stephen Wong - Bayone Reic is a premier real estate and mortgage agency in San Jose, CA, specializing in residential and investment property loans. With a 4.7/5 rating from satisfied clients, we excel at handling complex cases, including self-employment and credit challenges. Our personalized service ensures competitive rates, seamless refinancing, and expert guidance throughout the entire process. Trust us to prioritize your financial benefits and deliver creative solutions for all your real estate needs.
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