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!

Wow... Thank you max. From recommending a great Realtor in Tanya Dzhibrailova to handing our first time buying needs, max made purchasing our condo a great experience. He understood our buying power (or lack thereof) and worked the numbers so we could get in to an excellent place we will be happy in for years. He communicated at every step and reassured us when we had questions and concerns. THANKS AGAIN!!!

Stephen has done several loans for us. He is the best agent weve 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. Hes very trust worthy, always keep customers benefits at first. Hes 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 cant 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, hes got extremely competitive rates. Working with Stephen is super easy. I dont need to see him at all. Everything is simply through phone and email. And whats 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 is an exceptional loan broker. He promptly answers my emails, even during late hours. He closed escrow on my latest refinance under very stressful circumstances, delivering earlier than the required deadline. His explanation of everything is always very clear and concise, alleviating you of any concerns you may have. I would definitely recommend him to anyone, 100% guaranteed.

Stephen Wong has been helping me for both new loan and refinancing. He always does his best to give me the best rate. Also he is very patient to explain what I dont understand. He knows what he is doing. I saved a lot of money during last 5 years. Highly recommended!!!

Stephen is very reliable, trustworthy agent who will give the best mortgage service to his clients. I have gone to him for mortgage services always and will always come back to him in the future. He works very hard to meet clients needs and go beyond other agent to explain, update, get the best rate at the right time. In summary, client will be very satisfied with his service and come back again to him.

Stephen worked blazingly fast and delivered his job in high quality and timely manner. He is a very genuine person and I can assure you that he doesn’t work to get your business, but to help you with your financial situation.Go call him now! 100% satisfaction guaranteed!

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 amazingly patient with me. Im not a first time buyer but this was my first time buying alone and its been 4 years since my last loan. I have been extremely nervous about this process and have been talking with Stephen since July and only now closing my loan. He worked with me and was patient as I was stuck trying to make up my mind on what to do and he was extremely honest about what he thought was a good deal or not such a great deal. He was helpful even when he thought he might not end up getting my business.Stephen is 100% there for his clients and is super dependable and honest.

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 at Bayone was extremely helpful through our entire refinance, and worked tirelessly to get the best rate and to give us advice on what to do. He was very responsive to all inquires and even recommenced a property insurance company that was able to save us several hundreds of dollars a year. Overall the experience was top-notch and Id highly recommend Stephen for transactions in the future (and well use him on our next re-fi)

I know Stephen by volunteering on Chinese School. He did not market his mortgage business at all. But he impressed me by his helpful attitude on that 2 hours.I got his phone number and wrote down his job in my contact list. Some months later, I wanted to refinance so that I thought about him all a sudden even I cant remember what he looks like. And I actually have good friends who are working in the same industry.Stephen would beat all other loan agents coz he emailed or text you back even after 11pm. He was so patient and professional all the time.I felt so bad that I did not get my refinancing done though him. Its not his fault, just the lender did not approve our loan.But you will remember to find him next time or even next next time. I trust what he is doing so well, he is not only a great volunteer but more than excellent loan agent.

I found Stephen from yelp few months back. He helped me got my first home..He had done excellent job. He helped me get the best rate and cover all my closing cost.. I am very happy with his service.He always response me anytime, answer my phone call, and email. If I have any questions since I am first time home buyers, he always there answer my questions. I feel very comfortable with him once I start working with him. The list of questions that I had such, what escrow fee, title fee dees, county/city transfer fee, why I need to pay it, what is for? Since those are expense fee. Stephen was able to cover all those fee :)Also, he explained the GFE and loan program to me very well.. He was able to close my transaction less than 30 days. The sellers and my real estate agent are very happy with his service as well.His customer service was excellent, A++I would HIGHLY recommend Stephen Wong to any of my friends or family looking for mortgage loans (new purchase or a refinance).

I highly recommend Stephen for his exceptional service. I got my first home in April. It was a nervous wracking experience for me, but Stephen was very helpful and responsive to calm me down and guide me through every step. He looked out for my best interest and got me a very competitive rate. I look forward to do refi through him in the near future and I have already told my friends about his services.

Of all the real estate loan agents I have contacted, Id like to recommend Stephen Wong who has helped me the most. He is extremely helpful, knowledgeable and always reachable (even at late hours). Stephen offers no closing cost on refinance and purchase loan. Lender/his team can credit all the title, escrow and appraisal fees for you.

I have a temporary job and no banks would approve my loan, luckily my friend referred Stephen to me. Stephen tried three different banks and got my loan approved with the best interest rate. He is SUPER FAST in replying back through email.

Stephen has helped me refinance my home loan many times. He also helped me get a new home loan. Stephen is efficient, gives good advice and puts his clients interests first. I highly recommend him.

Stephen helped us refi our house in Nov. 2013. I found him on Yelp and I was very skeptical before I made the first call. But it turned out he is the best loan agent that I have ever had.We locked the rate on the second day after we talked and we had it closed within 3 weeks. He is very responsive and sometimes he replies emails around 10pm which impressed me alot.Our previous loan was FHA and we paid almost 4 years mortgage insurance but now we finally got rid of it and we are so happy!I dont think we will use other loan agency anymore because Stephen absolutely is the best loan agent.I had recommend Stephen to my relatives and hope he could help them to save too.

My friend recommended Stephen to me as my first loan agent; he had concerned my best interests and quick replies to my questions. Thanks to him for my first successful loan.

Ive known Stephen for over 12 years and he has done most (if not all) of my familys loans, home purchases/sales and refinances. He is my go-to agent for all things real estate... and, because he is so amazing, he is now the sole agent to many of my friends and coworkers.Stephens Top 3 attributes:1. Efficient - He gets things done and gets them done quickly. My last transaction was a townhome sale and it could not have been more complex. I was in Asia, my business partner was in the States, there was a family trust involved, etc etc... it didnt matter, he got it done. Due to the timezone difference, wed have calls at all hours of the day and night, sometimes at 3AM PT. He was executing our deal even while on his family vacation in Florida! Needless to say, within 1 week, the home was staged and, after only 1 open house weekend, we had multiple offers and several all-cash offers... and closed escrow in 15 DAYS!!! (Btw, the home is currently the highest transaction to close in the entire community.)2. Proactive - Stephen always proactively calls to advise when interest rates are low and when I should consider a refi. Since I live in Asia, Im not on top of the Bay Area real estate market and he called to advise me on selling one of my properties (which ended up closing well over asking price).3. Trustworthy - Stephen is a sincere agent... and friend. I trust him with my entire real estate portfolio. He is a wealth of information, but never pushy. He always provides an appropriate amount of information, and leaves it to me the client to make an informed decision.

He is bi-lingual, chinese and english, very pro, thorough followup and instant response on every single email/text. you sent him an email at 1am, he replied at 1:01am. no matter big or small loan amount, you will get the same attention and outstanding service. once you closed one deal via him, you will stick with him. Last week done on the refi of my investment condo and just refer him to my sons purchase.