Ruby & Esther Chien – The Loan Story

I cannot recommend Esther enough! I didn’t even get a loan (yet) and I still very highly recommend her! My main contact was Esther, but Katy also assisted in the process and both of them were incredible.
Esther is super knowledgable and super responsive and super patient and just super all around! We were very indecisive of what to do in our situation and Esther laid out all the options for us. At times, I felt like I was asking stupid questions, but she never made me feel like I didn’t know anything. Esther was always there with a backup option for us. I can go on and on about what Esther can do for you.
We do plan to go through Esther in the near future when we purchase our next house. We plan to stick with her long term without a doubt!

I’m one of those who always thought that Unilocal is good for restaurants, hairdressers, vendors, etc, but for things like doctors, real estate agents, or mortgage brokers — you only go through word of mouth or through whoever your mom has been using for the last decade.
Well after 3 failed attempts at refinancing (2 of which cost us an arm and a leg out of pocket), I said — well, Unilocal has always steered me in the right direction, so let’s try it for this.
I am so glad I did.
Just over 6 weeks from our initial inquiry with them, and our 2 loans have been consolidated and funded.
Esther has been excellent to work with. I also appreciate how expedient she is. 99% of the transaction was done via email (except for my initial phone call, the rest was done online) and within most of the correspondence taking no longer than an hour or so for a response.
They made this process so much easier than I thought it would be. Cursing myself that I went through the other 3 brokers.
They’ll be hearing from us again. ;)

I got Esther’s contact information from a friend, which was also my real estate agent so I knew I was in good hands. Esther was hands down the best loan agent you could ever work with! I was a first time home buyer and knew absolutely nothing about the whole process. Esther was extremely knowledgeable and walked me through every step of the way. What I loved about her most was how truly genuine she was. I knew she was always being truthful and straightforward with me and that’s rare when dealing with business.
I was also on a tight timeline to get everything approved and squared away so Esther was always on top of it! She did not let any second go to waste. I would get text messages from her in the middle of the night at times to let me know she needed another document or another signature and then another document since she knew I had no time to waste. She worked around the clock for me and my husband so I am truly blessed to have had her help us close on our first home! I will also be keeping in touch with her for when I need to re-​finance. =)

Ruby and Esther are very helpful during the loan process. We appreciate how quickly Ruby and Esther handle the issues coming out before closing.

Great service, great people. Very easy to communicate and very efficient on their work. Highly recommend! Thank you so much for your wonderful help Ruby and Esther! Really appreciate it! Hope more and more people know you and benefit from your service!

It was a great experience working with Esther. After shopping around several loan agents for rates, Esther was able to offer me the best rate. Esther has great patience and able to clearly explain the process and provide various loan options.

Ruby and Esther are so efficient to make the things done! They always can inform me the update of my loan application in the first time and explain every detail of the case. They also provided a lot of options and told me every possibilities. Thank you Ruby and Esther that we finally find our first house. I will definitely recommend them to my friends!

I had finally made the decision to purchase my first home, and I was in search of a loan agent to get me through the paperwork. I found Esther through word of mouth. At first, I was hesitant because I was looking for a home in Southern California, and she is based in the Bay Area. I contacted her anyway, and she reassured me that distance would not be an issue and she does most things electronically anyway.
All I can say is «wow!!». Once I found my house, from my offer date to the day I got my keys was about 2.5 weeks. Even my real estate agent was impressed! She was extremely prompt in answering questions and keeping me in the loop of what was happening and what was going to happen next. Not to mention, she found me an amazingly low interest rate that she was able to lock in on the same day!
Al in all, I would definitely recommend Esther to anyone who is looking for a loan agent. Whether it will be your first home, or you’re refinancing on your current home, Esther is definitely the person you are looking for!

Wow! Esther Chien is GREAT! I’ve known her now for several months now and her attention to detail and fantastic attitude always impress me. She has the working knowledge of some of the best mortgage brokers I have ever known — which is especially impressive as she is fairly new in the industry. I wholeheartedly would recommend her expertise to any home buyer in an instant! From your first meeting with her, I know you’ll enjoy working with her and The Loan Story.

We just got our second house! We extremely appreciate Ruby and Esther’s professional and great help with tremendous hard working and round up, we bought our first house 11 years ago with Ruby’s help too, I am sure you can’t find a better and more patience agent than her.

Ruby and Esther did a great job helping us for our first home loan. I was frustrated after talking with different mortgage agent in big bank, they were slow and always make things really complicated. With their help, the process was really simple and fast. Finally I can get my dream house.

Ruby and Esther are great helping us get the loan refinanced. It was a smooth process once all the documents are in.

Simply the best!
We did our first home loan with Ruby and Esther. We don’t really know the process and it would be a mess if we chose somebody else. They made the process very smooth and easy. They even offer to come to a continent place for us to sign the documents. When the documents come, they are clearly marked with highlighters so we won’t miss a signature!
They are highly professional, knowledgeable and responsive. We will continue work with them for many more years.

Normally, the process of re-​financing can be really intimidating with all the jargon, paper work and documentations involved but not with The Loan Story. My first loan was a complicated one due to past financial history which I was uncertain it would be successful. Franny and Esther worked with me on available options through several months to make it happen. They stuck with me and follow-​up regularly as new options arises. Eventually, we found a plan that worked. The re-​fi was a weight off my shoulders where I was able to put past financial burden behind.
The 2^nd re-​fi as my history was rebuilt was even smoother. I highly recommend The Loan Story with Esther, Maria, and Franny! Thanks ladies!

Ruby and Esther was my loan agent for my first home purchase and they are fantastic. Ruby was referred to us by a mutual friend, who has been working with Ruby for many years through several home purchase/​refinance. As a first timer, we have very clean financial history, but at the same have no idea about the loaning process. Ruby and Esther are on top of thing during the entire transaction. They are very responsive, responsible and reliable. In the end, our loan was approved within 3 weeks without any hiccups from the lender, appraiser, etc.
I would recommend Ruby and Esther as your loan agent without any reservation.

Ruby & Esther are awesome. They helped us with the purchase of our first home. I can’t say enough positive things about them.
We talked with several other brokers and, for many reasons, none of them managed to even get us pre-​approval letters. Then, our friend referred us to Ruby & Esther. Unlike other brokers, they are very dedicated to help us. They are always available to answer all of our questions. Even when Ruby were out of country, or during holidays, they are still responsible, which made it possible that our offer got accepted.
In our dealing with them, they move things really fast, and let you know exactly what the next step is as well as the whole process. They always tell you the truth no matter what. And if problem arises, they will not only present you with options but also help you make informed decisions.
We won’t hesitate a moment to highly recommend them!

Their company’s name says it – Loan Story, every loan has its own story, special needs and difficulties. As a first time homebuyer, I’m lucky enough to have Ruby and Esther to be my loan agent, and they provided GREAT help while I’m writing an important chapter of my life.
With a complicated income history and have two families as the borrowers of one mortgage, I can tell my case isn’t going to be an easy one. However, Ruby and Esther read my story carefully and design three different ways for me to obtain this loan successfully, efficiently and professionally.
At the beginning, I picked the bank with the lowest interest rate (just like most of you would do) but it turned out that we were not qualified for that program. Ruby called me immediately and recommended me to apply for another one which has a slightly higher rate, but less restrictions on loan and normally get results quickly. I decided to take her advice and we got approved within ONE week.
For summary, there are tons of loan agents in the market, but if you are looking for someone who cares your story and provides thoughtful, efficient, honest, and professional service, Ruby and Esther will be my best recommendation.
Wish your story can have a happy ending like mine.

Ruby and Esther are very professional on my refinance, they provided great service. Highly recommend them to anyone seeking refinance,

Ruby was referred by a friend when I was looking to refinance my mortgage. At first, I was a little hesitated because I live in Orange County and Ruby is at Northern California. Yet, Ruby proved the distance is no issue at all; she was able to get my loan processed in a timely manner. After she received my information, she was able to price out some options and provided her recommendation. This refinance experience was far superior to my original mortgage experience with the Kelley Escrow at Tustin, which was slow, not responsive and expensive.
I highly recommend Ruby and Esther for your next mortgage need!

Ruby and Esther helped me secure a loan for my first home. After working with them making offers on several homes, it became clear to me that I made a good choice with them. The teamwork between the two is great and makes working with them a very smooth process. They hand off tasks between each other seamlessly and are always easy to contact and quick to respond to my e-​mails.
I would highly recommend working with them to anybody looking for a home loan.