Stephen Wong – Bayone Reic

Stephen is the best! He has helped me with my first home purchase as well as refinance three months later. He is always patient and he cares about his clients just as family members. I have recommended him to everyone I know and all my friends are happy with his as well. In just a hot market as bay area, you really need a broker like Stephen to ease your mind at least for the finance process.

Overall BayOne REIC did a great job with the refinance of our mortgage. We contacted Stephen through a referral from a friend and worked with him to get our initial refi over email and the phone. He locked in a good rate for us at the time and we proceeded to setup the new loan. Several months later Stephen contacted us again and stated that we could lower our total loan amount by refinancing again with an even lower rate since rates went down a bit. We again refinanced and Stephen made the whole process quick and painless. We even signed the docs in the comfort of our own home on our schedule on both occasions. Stephen was quick to respond to questions either by email or phone, even during off hours. Overall BayOne REIC made refinancing (twice) a painless and easy process for us!

Stephen help me out with the refinances of my investment and primary loans. He got the job done with no point and no fee. He was very response when you reached him via email and phone call.

One of my friend referred Stephen for our new home purchase. He is very good and has our best interest at heart. He is very honest and responsive. He helped with our new home purchase and guided us through every step of the process. He listens to us and does not forcibly push on us anything. I highly recommend him. I am looking forward to work with Stephen in future for all my home purchasing and loan needs.

My husband and I found Stephen via Unilocal and boy were we lucky to find him. He is so savvy, patient and honest. Love his guidance, at any time of the day and his advice is priceless. We will not hesitate to reach him, for our Mortgage/​refinance needs in the future, and will readily recommend him to our friends. You will never be taken for a ride by Steven.

I liked working with Stephen because he had my family’s best interest at heart. He is a very honest and humble person. Even though he is a busy man, he always made time to talk and make sure he understood our situation. His advice and service was invaluable. I’m so glad I found him on Unilocal and hope to work with him in the future.

Stephen is great — very responsive and timely. He made a complicated process simple, and got me a good rate. He was good at explaining things, and even had some thoughtful advice when I was contemplating what type of loan fixed rate term to get. I would highly recommend him to any of my friends!

Found Stephen on Unilocal with great reviews and decided to call him to do a refinance. I must agree with the good reviews. He was honest and to the point. He said he would look to find a good rate and if one was available, he would lock it in and proceed. His emails were direct with details of what was needed. I would highly recommend him for refinance. In the future, I will definitely work with him again.

Stephen has helped us out with both a refinance and a home loan on a new purchase, and though they weren’t completely stress-​free experiences (are they ever?) he got the job done, and saved us a lot of money. He has a great understanding of how interest rates work, which comes in handy when its time to lock in a good rate. He’s also great at getting no cost financing.
Stephen has always been very accessible by phone or email, and has always been generous with his time if something needed to be explained or when we simply wanted some advice.
We’ll definitely use him again for our next refinance!

I didn’t know how good Stephen is until I talked with my friends. Comparing to big banks, Stephen is: 1. really efficient and responsive. pre-​approval letter was issued in a few hours. and he always manage to reply to me within an hour 2. trustworthy. 3. professional. one of my friends applied for loan from a big bank and almost failed to close. her loan officer told her that some requirements were not met just before escrow expire! to meet that requirement the closing cost her a lot money…

This was my first home refinance and Stephen was very helpful and efficient in taking care of the process. He was always available to answer questions and very prompt with a timely response also. I would highly recommend him and will look to him for my next refinance again.

I strongly recommend Stephen to anyone interested in refinancing his/​her home. Stephen helped me lock a very good rate. He guided me through every step in the whole process. And he is reachable anytime. I will surely contact him again when I need financing my home in the future!

Stephen was referred to us by one of our friend. He is an outstanding broker providing us with tremendous service through his expertise and support in successfully buying our dream home. He got involved in every stage, from the time we decided to buy the home, till we closed the deal. He got us a good discount from the lender and seller, and brought us to close of escrow without any issues. He also patiently answered all our many questions and continuously ensured that we had all the information we needed.
Stephen … We are very happy with the service you provided, dedicated to doing a very good job and your efforts are sincerely appreciated.

I’ve been on Unilocal for so many years but never wrote a review. This time I feel I need to do this for Stephen. He is my life saver!!!
The previous broker I worked with is very irresponsive in the way that they issued pre-​approval letter, I went on a bid without any contingent, only to find out the broker couldn’t process my loan AFTER I put down deposit at escrow. I was facing the situation of losing money and still not getting the house. What’s worse is that I just moved to the Bay Area, still living in hotel, losing this deal means I just can’t start a normal life and can’t focus on the things I’m supposed to focus on. I will be facing a very miserable situation.
I tried to contact many other lenders, none of them is willing to process my case due to my special situation. I was driving crazy and was extremely frustrated and stressful until I searched on Unilocal and decided to work with Stephen.
After 3 weeks hard work, we are looking to close this week, loan approved, very good rate, deadline met. What’s even more fantastic is with his thoughts and suggestion, I was able to save an extra $ 40,000, which I could spend on some remodel work.
Anyone who is in a difficult loan situation should find Stephen. Period.

Stephen is an incredibly thorough, honest and efficient loan officer who help me with both a refinance and a home loan. He seemingly works at all hours of the day, and was incredibly fast at responding both by phone and email whenever I had a question or issue that arose from the home buying process.
Without hesitation, I would recommend Stephen for any loan situation you need. He’s the best.

We got Stephen to help with our refi, and boy was that a great decision! Stephen got us the best rate for our refi and was able to work with us to get everything in on time. He works super fast and always responds to emails within minutes. We are now saving a couple hundred bucks every month and we didn’t need to pay a closing fee. Thanks Stephen!

Taklam Stephen Wong is the BEST loan agent I found when I wanted to purchase a four plex in Sacramento. I reviewed my situation with other loan agents and no one would touch my loan. I was referred to Stephen by a good friend, who he helped with her 3 loans.
First Stephen and I reviewed my situation. He then came in with a solution that didn’t require me to get a cosigner. We had a long, difficult time with the underwriters and since he had to do two loans for me, timing was everything!
By beginning of February, I am a proud owner of a four plex due to Stephen ’ s help!
Stephen is bright, timely and VERY, VERY knowledgeable in the loan business. I would refer him to all my family and friends anytime!

Stephen has all the qualities you look for in a loan officer.
He’s incredibly bright, efficient, responsive, and always looks out for his clients.
He made the process as painless as possible, and took care of everything. I can’t imagine going with another loan officer.
All of our options were explained to us and Stephen proactively stays on top of your loan for refinance opportunities.
We’re very thankful we went with Stephen.

It was so nice to work with Stephen to get my dream home. The whole transaction went very smoothly. He is knowledgeable, patient and professional. He and his team prepared documents and answered my questions quickly even in late hours. He explained the mortgage process and some related stuff in detail so I got to learn so many things. Besides, he gave me some useful suggestions and help during the transaction.
I highly recommend him. I am looking forward to work with Stephen in future.

I agree with all the reviews here and would highly recommend Stephen to anybody who needs a loan agent!
Stephen was recommended to me by my coworker, who said Stephen helped her a couple of times of refinancing already, always very fast and hassle free.
So I asked for a pre-​approval letter from Stephen, and since then both my husband and I were really impressed with the professionalism and efficiency of him. He always replies to emails within minutes, always available to talk with us and explain the details and offer his professional opinion.
He managed to really speed up the closing time and the whole experience was hassle free! He is very trust worthy and nobody need to worry if you have him as your loan agent!
No doubt to say that I will be contacting Stephen for refinancing my loan in the future.
Thank you Stephen!