We offer residential purchase loans for primary, vacation and investment properties, with varying down payment programs.
Our Clients Love Us!
Marcia P. – Refinance
The team at Richard Wang’s “The Loan Story” was the best thing that happened to me during an unhappy divorce process. I often do not understand the workings of finances, and they patiently walked me through the process of refinance, answering a multitude of questions, sometimes more than once. Rae Dawne and Katy were my main contacts, and they frequently updated me on what was needed and the status of the loan, which was completed in less time than I had anticipated and at a very reasonable rate. I would gratefully recommend them to anyone looking for mortgage assistance
Jim K. – Refinance and Purchase
Richard Wang and his associates at the Loan Story were a great find for me. I’ve done several new loans and refi’s with them, and every time the process goes very smoothly with no surprises! They update me frequently with status, and they make it as easy as possible to submit all the financial paperwork that shows I’m qualified for the loan. After everything closes, don’t be surprised if Richard sends you a nice gift for your business. Highly recommend them.
John A. – Refinance
Richard and his team are fantastic. I would highly recommend them for anyone purchasing or refinancing. I just used Richard and they were able to complete my refi in less than 25 days, the process was easy, and they continuously kept me in the loop so I was well informed.
James K. – Purchase
We were pretty limited in our house hunting price range before I found Richard. The option to have a 10/10/80 loan vs a 20/80 loan really allowed us access to a greater range of houses. His team (special thanks to Katy) was always available to resolve any issues promptly. It made the whole house buying process less stressful. They even closed our loan 3 days earlier than originally estimated, which helped immensely because we were able to move and have babies. Highly recommended.
Ralph D. – Cross-Collateral Purchase
I would recommend Richard and his team to anyone looking for a mortgage. They find the best lender and the best rate, but truly differentiate themselves though the management of the process.
I had a complex mortgage which I asked Richard and his team to handle. Because the market is so hot in our area I would not be able to have an offer for a new home accepted if I had ANY contingencies. This was going to be difficult as a good portion of my wealth was tied up in my present home which I owned outright. Richard and his team found a lender which was able to cross-collateralize my current and new homes so I could make essentially a cash offer. I got the home I wanted and am in the process of closing a sale on the old. The Loan Story made this rather complex transaction quite simple. Again, the key to all of this was the dedication, skill, and utterly pleasant attitude of everyone at The Loan Story.
Ashley K. – Purchase and Refinance
We just did our 2nd re-fi with Richard. Highly, highly recommend them. We have now used them three times (1st home purchase and 2 re-fi’s) and we will continue to use them for our future loan needs. Thanks Richard, Katy, and the whole team!
Denise N. – Purchase
Richard and his team are awesome! I contacted him when we were purchasing a new home in Southern California and he was able to help us with a new mortgage. We also refinanced twice when rates dropped. He makes the process seamless especially if you have all your documents in order. The Loan Story offers VA loans too.
I love the fact that I can email Richard or call him on the phone and he responds very quickly! The personal service you receive from him is definitely unheard of. :)
Team Richard, thank you for all your hard work!
Greg D. – Refinance
While I have previously written a review on Richard Wang, I felt it appropriate to provide an update on the manner in which he continues to support me.
A few years ago, I purchased a home in Willow Glen. At that time, Richard was introduced to me by a friend, and I moved forward with the purchase using Richard’s expertise to help arrange my financing alternatives. My experience with him was stellar. So much so, in fact, that I have since refinanced my home twice, and each time used his services to assist in establishing the new financial arrangement.
Every engagement I’ve had with Richard has been both educational and effective. He has secured financial arrangements that meet my needs, and has done so with a very business-oriented, yet personal approach. I’ve introduced Richard to a co-worker, who subsequently refinanced her home and saved herself several hundred dollars a month, after having been told by other financial specialists that it was not possible.
I recommend Richard to all of my friends in need of his services, and hope to be a client of his for as long as I need rational, effective financial assistance.
Albert G. – Refinance
Richard and his team made my refinance go very smooth. They took care of everything, laying out the documents needed and the time-frame for the process. Everything was seamless and everything occurred as they had said. Very responsive and knowledgeable team, Team Richard.
Suzanne A. -Refinance
Richard helped us do a re-fi and the process was seamless. He was always responsive or had his associate answer questions immediately. There was coordination between Richard and the associates, and I felt confident that things were being handled carefully and quickly.
Diana J. – Refinance
Team Richard is exactly that, a team. They are absolutely amazing, patient, reliable, understanding and professional. As a first timer with zero knowledge they held my hand through the entire process. I had a very complicated situation and Team Richard literally pulled a rabbit out of the hat for me. They are the very best, look no farther than Team Richard, they are all you need!
Rod I. – Refinance
Decided to use Richard Wang (LoanStory) upon recommendations from 2 co-workers and their positive experience. I just completed a cash out refinance and was pleasantly a surprised that closing costs were offset by credit for a completely no-cost refinance, although the original good faith estimate indicated ~$1200 out of pocket costs. Richard and his staff were very responsive and professional and the entire process was a lot less involved than I thought it would be. I would highly recommend Richard to anyone looking for a mortgage broker.
What is the difference between a Mortgage Broker and a Bank?
|Ability to Rate Shop||No|
|Specialty Financing Solutions||Usually Not|
|Ability to close within 15 DAYS||Seldom|
|Commission based compensation||No|
|Agents required to be state-licensed||No|
|Family style service from start to finish||Maybe, Maybe not|