Joanne Shen Old Bayshore Hwy, Burlingame

In the past one year or so Joanne has lowered our mortgage rate TWICE, once at the beginning of 2021 and the other at the beginning of 2022. All at NO COST with no point and no fee. Each time we did check the outside market and yes Joanne’s terms were always much better than other competitors. Her devotion and diligence made her processing speeds amazingly fast . We were very happy and satisfied for her accomplishments. Facing the uncertainties of interests hiking from federal reserve We feel very lucky and deeply thankful to Joanne for her big contributions to our family’s mortgage needs. We for sure will always keep her as our first choice for all of our financing and refinancing needs in the future.

We have refinanced a couple of loans with Joanne and were very pleased with the results! Joanne provided different rates and options and answered all of our questions in a timely manner. The process was easy and straightforward. We have recommended her to friends and family. Great rates and service. Thank you, Joanne!

Joanne refinanced our home for a great rate with no closing costs. The process was smooth and she explained everything clearly to us. We never actually needed to meet in person and she made herself available at all times to answer our questions, including when the notary came to sign our papers in the evening. We look forward to working with Joanne again when we need to refinance or when looking to purchase our next home.

Joanne had helped me refinance with the lowest rate available on the market plus zero closing cost. She was very responsive to emails and provided all of the information/forms that I needed to fill out. She made the process seamless and easy; any questions I had were answered promptly with clear explanations. I would definitely reach out to Joanne again in the future for mortgage loans/refi's.

Joanne Shen has helped me with several of my refinances and one purchase loan. She is always clear, efficient, and thoughtful. She is always looking out for her customers' interest and provides the best advice as to when to lock and at what rates to help reduce our interest costs, etc. She's the best loan officer one can ever find. I highly recommend her as everyone's trusted loan agent!

I am a long time client of Joanne. I come to her every time when I have mortgage needs. She helps structure all of my loans for the best arrangements and best rates and recently she closed 3 rental properties for me in Jan 2021. I also refer a lot of my coworkers to her. She is the most reliable and trusted loan agent and always puts client interest on top. Highly recommend!

I refinanced my mortgage with Joanne. She worked hard to get the best rates and was diligent in answering all my questions I had along the way promptly. She is highly recommended for all your mortgage needs.

We worked with Joanne for almost 10 years. She did initial loan and several refinances for us, always with the best rates. All done online. She answers all questions promptly. We always closed without any issues. Joanne is very professional, and I highly recommend her.

We are very happy to have Joanne as our mortgage broker. We sincerely appreciate her endless effort to help us refinance our mortgage. The secured rate is the best rate. Joanne is very friendly, patience and hard worker.

Joanne is very thoughtful and professional loan agent. She helps me to refinance my loan smoothly with the best rate. I would strongly recommend if someone needs a help for a new loan or refinance.