Joanne is AWESOME! I was first introduced to her 7 or 8 years ago by a friend when I was looking to refinance my home mortgage. That refinance went through smoothly without any problems and I was very impressed with how quickly and professionally she and her team handled the loan process.

Since then I've done 4 or 5 more refinance and even bought a new house using Joanne as my loan agent, The realtor I bought the house with said she was so impressed that Joanne and her team were available at any time of the week and turned thing around so quickly. I never really thought about this aspect of the loan process, but having my realtor tell me horror stories of some other clients having bad, lazy, or dishonest loan agents made me happy I had found her!

Joanne is my go-to person for all my mortgage needs and I highly recommend her!

Yiping Feng in Cupertino:

We have been working with Joanne Shen for the past many years; she has always helped us in finding the best mortgage for our needs at essentially no cost to us. Her knowledge, experience and professionalism are exceptional and second to none. She is always looking out for the customers' interest and provides the best advice as to when to lock and at what rates to help reduce our interest cost. We have been extremely lucky to have her as our agent ever since we get to know her after being recommended to us by a former colleague.

Now I am making the same strong recommendation to anyone who is in the market for an initial loan or a refinance!

Maggie Lai in Berkeley:

Joanne Shen has helped me with my refinancing multiple times. She is always clear, efficient, and thoughtful in guiding me through the loan process.

She's the best loan officer one can ever find; her excellent work and her dedication motivate me to do my best in serving my clients.

Sean Liu in Fremont:

We have worked with Joanne Shen several times, and she has been a great help in the loan refinancing process. She is dedicated to serving her clients, and we have found her to be thoughtful and efficient.

We heartily recommend her to anyone looking for a loan officer!

David Chaw in Mountain View:

Joanne helped me with couple refi several years back and I was happy with her service back then she was able to deliver best rate with no cost to us. Just very recenlty, we did a refi again and she again exceeds our expectations by getting us a very good rate with no closing cost ( including appraisal fee). There were a few exceptions during the refi process, and she managed to help to clear the exceptions and get the loan approved. 

We are very happy with her service and professionalism. We would use her service again and recommend her to our friends/family. 

Rick Tu in San Jose:

Joanne provides great service and offers the best rates by far. Very happy with my experience and would use again and certainly highly recommended!

David Tung in Sunnyvale:

We have known each other for many years and have very great relationship for many years. I have referred many of my friends/ family over to Joanne, even if they just had a general question about the mortgage stuff. She always monitored and delivered lowest rates to me.

I highly recommend her as everyone's trusted loan agent!

And more....etc.