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             WHAT WE DO            

Home Purchase Loans

Apply for a pre-approval and secure a home purchase loan to secure your first home or dream home.

Refinance Loans

Reduce your monthly rate and payment or explore different terms to fit your long-term financial goals.

Cash-Out Loans & HELOCs

Leverage your existing equity and take cash-out for home improvement projects or other investments.

       WHAT SETS US APART       

Your Advisor & Advocate

You are not on your own to figure things out.  We are here as your advisor to provide you with best options to suit your short-term and long-term goals.  

Problem Solvers

We are not paper pushers, we are problem solvers.  We use creativity to tackle challenging scenarios and situations.

Serving with Sincerity

You are never just a number or transaction to us.  We truly care about each and every one of our clients and sincerely love helping you. 

Rate Comparisons

We receive daily rate updates for our 40+ lenders and will do the shopping and rate comparisons for you.

Personalized Service

  Our mission is to make your loan process as simple and streamlined as possible.  Tell us your story and we will do the rest.

Lender & Program Options

We are the one-stop shop for all your mortgage needs.  Your pre-approval letter will be good for shopping across all our lenders.


The loan story team, and some extra credits to Esther, were amazing to work with!  Esther made my wife and I feel that she truly cares about us, and about helping us with what is best.  Not even one second did we feel like we were in a business transaction (even though obviously we were).  


I cannot say enough good things about all of the extra efforts we experienced, from willingness to communicate off-hours (this was truly surprising!!) to providing helpful reminders, especially as the our current COVID situation requires.  I know that when we are in need of a loan again, we will be reaching out to The Loan Story.


Esther did an exceptional job in getting us the best loan available, but it's not just about that. She was always available, including on the days when she was with friends enjoying a nice getaway over the weekend. She never allowed us to feel like we were bothering her or that she was too busy.


Always pleasant, and professional. She is knowledgeable and patient and made us feel at ease and always kept an open mind about options. I can't imagine a more personalized and professional service more than what Esther has provided.There's no question that in the future, any time we will consider refinancing or purchasing a home, Esther will be the first and last person that we will contact. We are lucky to know her.


Esther and her team (Jerniel, Paul, Ruby) provide extraordinary service when it comes to mortgage refinance and new home loans.  I stumbled across them on yelp when looking at my options for a mortgage refinance. Esther was happy to talk with me on the phone back when everything was just a theory. When I finally decided to move forward, I contacted Esther to get everything started.


Esther is knowledgeable, personable, and helpful. Esther even went above and beyond by helping me through a situation while she was on vacation (sorry Esther!).Esther's team excelled at keeping all stakeholders advancing toward the finish line in a timely manner. Her team was always quick to respond to my emails full of random questions, which I appreciated very much.


Esther's team is professional, informative, and efficient. Our refinance was completed quickly which is a credit to Esther and her team's hard work. Everything went so well with our refinance that we also employed Esther's team for a new home purchase. That also closed quickly and felt effortless on my part. As an extremely busy business professional, husband, and father, I appreciated the time I got back due to Esther and her team getting everything done efficiently.If you need help with a refinance or new home purchase, I highly recommend Esther and her team. I will be using them for all my mortgage loan transactions going forward.



All Videos

All Videos
David Interview with Esther Chien from The Loan Story

David Interview with Esther Chien from The Loan Story

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2023: Uncovering Amazing Home Buying Opportunities!

2023: Uncovering Amazing Home Buying Opportunities!

Play Video
Buying a house in San Francisco Bay Area Demystified

Buying a house in San Francisco Bay Area Demystified

Play Video
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