Atsuko Yube – Capital Lending Network

She is very responsive and reliable.
If you want to move quick, she will be very helpful.
Especially if you were a Japanese, she would be the best.

I have worked with Atsuko for over 15 years. Not only is she very knowledgeable about mortgages, she is also very conscientious and looks out for the borrower’s best interest. She has many lenders and mortgages to choose from and can offer the best loan for each borrower’s situation. She works for the borrower and not the bank. You can trust Atsuko to deliver on her promises!

Words can not express the high regard I have for Atsuko Yube, my mortgage broker of choice! She is without a doubt, the best in the bay area, and I highly recommend her to anyone looking into buying a new home and seeking a new loan or refinancing a pre-​existing one. She is both an amazing person and professional and an absolute joy to be around. I have referred clientele to her in the past and will continue to do so because I know that she is both a reliable referral source and a person who will do the absolute best to ensure that everything works out for that person. Her knowledge and ties within the community are above and beyond as is her stellar reputation. She truly knows ins and outs of her field thoroughly and will give it to you direct. The best part is that she will give you the best advice for your situation regardless of the bottom line. The fact that she has your best interest in mind is refreshing and comforting. Thank you, Atsuko!!!

I have refinanced half a dozen time with Atsuko, with different companies over the last 10 years. She always give us great service, is always available and provide valuable advice. 100% satisfied every time.

I was referred to Atsuko by my realtor — from here on it was just smooth sailing. We met for an initial consultation where Atsuko took time to walk me through the process and critical milestones. She also asked alot of questions to have a better understanding of my finances. At the end of the discussion, she gave me a list of paperwork to provide to her and within a week, she got me pre-​approved.
The last 3 months, I have been house hunting and put in several offers and Atsuko always came true with the paperwork. Her turnaround time-​frame is just fantastic. About a month ago, I finally found my home and Atsuko worked tirelessly to get me funded — she was always pro-​active, wonderful follow-​through, thorough paperwork and strategic; constantly thinking ahead and anticipating road bumps, ensuring a smooth process.
My funding process was extremely short and smooth .I was always kept updated with the going ons. Atsuko goes over and above (I found out after my funding that Atsuko paid fees out of her own pocket to expedite my deed transfer so that it would not be delayed by a day !!) what is expected of her and is always available during the evenings/​weekends to discuss matters and is extremely professional, astute and gracious. I could not have found a better person to handle my mortgage requirements. Atsuko took away all the apprehension and stress in my first home buying adventure and made it a waddle in a nice park !

As a Bay Area realtor, I’ve had the great pleasure of working with Atusko on numerous real estate transactions. I was initially introduced to her by my broker, who could not say enough about her excellent customer service. I began to refer clients to her, and now she is my #1 go-​to when I’m asked for a lender referal.
Atsuko is exceptional — she knows the lending industry inside and out, she is fantastic with my customers (and often goes out of her way to take meetings in the evenings and on weekends), and she ALWAYS goes above and beyond to get the job done well. She is especially fantastic with first time homebuyers. Atsuko really takes the time to explain all the many lending options to my clients, who are often hearing words like «PITI» and «ARM» for the first time.
As a realtor, I want to work with lenders who will be proactive on the transaction and will make my job and life easier. Atusko is, hands-​down, one of the most reliable people I have worked with in the industry. I would highly recommend her!

Where should I start?
For the past year, I was looking at purchasing a home in the San Jose area. Since I will be a first time home buyer, my Realtor, Bill Schurkamp, suggested me to consider Atsuko Yube as my third party lender among all the banks. At first, I was suspicious because I thought I would do better going directly to a bank. Looking back at the decision, I am very glad that I chose to have her in my life.
I placed a house offer in late May 2012 and became a first time home buyer in late June 2012 for a total of about 4 weeks. This was only possible through the wonderful work of Atsuko Yube working alongside with my Realtor, Bill Schurkamp. Buying a home was a stressful and rewarding process. However, the stress decreased overtime thanks to the detail, time, commitment of Atsuko Yube.
Atsuko isn’t a «hands off» person — she works with you to ensure a smooth process. Atsuko will ask a lot of questions, ask a lot of documentation, and ask for your time. Why? Atsuko wants to have YOU avoid working directly with the bank. In addition, Atsuko looks at all the banks and gives you multiple options. For example, I got an interest rate that was less than 4% and Atsuko explained the pros and cons of locking such rate. Just imagine Atsuko as being your true advocate who knows what is best for you, your home, and your future.
My only criticism about Atsuko is that it might take a few phone calls until you are used to her accent. Nevertheless, nothing will ever outbeat her customer service, advocacy, and her time to ensure your needs are met.
I HIGHLY recommend Atsuko Yube to all my friends, family, and co-​workers.

Atsuko shops around many companies and banks, so she offers the best rate available on the market everytime. Her rate is always better than the big banks of course. However, she is not only that. We just had an amazing refinance experience with her.
After submitting all the paperwork to her, we locked a rate last month. Then, the market rate came down about 0.2%. Usually you cannot do anything about it, right? But, what Atsuko did was truly amazing… She re-​negotiated with the bank for a lower rate, and she got it! And, She did it voluntarily, so we didn’t even know that she did such an extra effort for us… She is a true customer-​first broker. I recommend her to anybody who wants superb mortgage service!