Serving with honesty, integrity, and competence, one loan at a time.
As a Senior Loan Officer at Bayone Reic, I am committed to delivering exceptional customer service to my clients. With over 10 years of experience in residential lending, I have developed a deep understanding of the mortgage industry and a passion for helping my clients achieve their individual objectives.
Our Mission
My mission is to serve my customers with honesty, integrity, and competence. I strive to provide home loans to my clients while providing them with the lowest interest rates and less closing costs as possible. I put my customers first in everything I do because I owe my customers everything - indeed, without them, I am nothing.
Our Services
I specialize in residential mortgage loans, including Conventional Loans, Refin Plus, and Harp Programs for houses under water or without 80% loan-to-value. My services include:
- First-time homebuyer consultations, education, analysis, and free loan pre-approval letters
- Refinance analysis to see if restructuring debt makes financial sense and lowering interest rates
- Fixed Program: 30 years, 28 years, 25 years, 20 years, 15 years, and 10 years
- ARM Program: 10/1 ARM, 7/1 ARM, 5/1 ARM, and 3/1 ARM
Our Expertise
With my expertise in lending, credit counseling, personal finance, and customer service, I take pride in helping my clients meet their individual objectives. I offer no closing cost loan specialties for purchase or refinancing needs, and I provide free loan pre-approval letters in just a few minutes.
Why Choose Us
At Bayone Reic, we are committed to providing exceptional customer service and delivering the lowest interest rates and less closing costs as possible. I am dedicated to serving my customers with honesty, integrity, and competence, and I strive to build long-term relationships with my clients.
Mortgage Broker Reviews
Positive Experiences
Many reviewers praised Stephen Wong, the mortgage broker, for his exceptional service, expertise, and professionalism. They appreciated his transparency, responsiveness, and guidance throughout the loan process. Some reviewers mentioned that Stephen went above and beyond to understand their financial situations and provided tailored advice to help them achieve their goals.
Common Praises
- Stephen's expertise and knowledge in the mortgage industry
- His ability to explain complex financial concepts in a clear and concise manner
- His professionalism, responsiveness, and prompt communication
- His dedication to finding the best loan options for his clients
- His patience and willingness to answer questions and address concerns
Negative Experiences
A few reviewers expressed dissatisfaction with their experiences with Stephen Wong. Some felt that he was unresponsive or unhelpful, while others were disappointed with the rates or loan options presented to them.
Common Complaints
- Unresponsiveness or lack of follow-up
- Inability to provide competitive rates or loan options
- Failure to understand or address clients' specific needs and concerns
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