Walter Tang – Guaranteed Rate

I was referred to Walter Tang from a good friend of mine and was basically told he is the best in the business and I couldn’t agree more which is why I just had to write him a review. Prior to looking for houses, I went to see Walter about what I could afford and what I couldn’t. How are mortgages calculated? If I made X amount, will Y amount be affordable for me? How much does insurance typically cost? Property tax? Closing costs? After consulting with him, I was able to come to a value that I was comfortable with paying each month. Needless to say, having a mortgage that is unaffordable could lead to huge consequences and Walter helped me by calculating every expense that I didn’t even think about or know about so that I could make a highly informed decision.
In order to stand out in a sea of millions, which is what this market (May of 2015) just seems like right now in the Bay Area. I was able to put in an offer with a 25 day close and waived my loan contingency. Is this risky? Of course it is. Did this get the offer accepted? Of course it did, it’s as good as cash! and my objective was to get the house. But Walter reviewed all my financial statements and income statements before advising this, it wasn’t a blind and irrational decision. Was I nervous during the whole process? Well… if you were going to lose 3% of the initial deposit if the loan didn’t close, you’d be a bit nervous too. So I basically called Walter almost every night: Hey man, how’s the loan? Everything good right? How’s the appraisal? My email went through and you got my tax returns right? Did it go to underwriting yet? Has the underwriter approved it yet? What about now? Hey I’m sorry you’re at dinner, but loan docs are about to come out right? I would call him at 10:00pm at night because sometimes you just get so nervous but he still picks up! 23 days later, loan docs were finally approved and high fives all around. Walter Tang was there for me through the entire process, was extremely knowledgeable and patient. Would I call Walter for my next loan or refer him to another friend? Is water wet? Of course I would!

Walter provided unbelievable service during the purchase of my first home. He walked me thru the process of securing a loan and got me a seriously ridiculously low rate! On top of that, he provided the fastest service I could possibly have hoped for. I had a last second deployment to Nepal following the big earthquake, and we still had a week prior to escrow closing. Understanding the urgency of closing before I left (I did not know when I was returning), he pulled his team together and got it done the day before I left! Unbelievable turnaround and I look forward to recommending him to all my friends and family as well as the Unilocal community. You will not be disappointed.
Thanks Walter!

Walter tang exceeded my expectations. Not only was I kept informed every step throughout the process of the refinance of my house, but he went above that by being proactive and thereby avoiding delays in the transaction.
Walter tang, found me a loan that met all of my requirements, with an excellent rate. His communication is excellent and responsive, and he answered every single nitpicky question I had about the loan terms, the refinancing process.
Professional, communicative, insightful, courteous, knowledgeable, and intelligent describes this guy. Highly recommend he’s services

My husband and I were referred to Walter by our real estate agent and we loved working with him. He was always quick to respond, patient in answering all of our questions, and got us a great rate. Unfortunately due to circumstances not under Walter’s control, we had to switch to a new lender in the middle of the process. We only had a few weeks left until the close date so we were worried about getting approved by someone else in time, but Walter went ahead and referred us to someone else immediately, explained our situation, and was even able to get us a comparable rate and incentives. We couldn’t have asked for a better transition and best of all, we were still able to close on time. Walter was extremely understanding through the entire process and we don’t know what we would have done without him. We would recommend him to anyone and would definitely go back to him next time we have loan/​refinancing needs.

I have known Walter since college and he has always been a great student, so when he became a mortgage broker it was a no brainer to send him referrals.
Over the years he has pre approved and closed loans for a number of my clients — many of which are not the easiest to work with. Walter was patient and as usual does everything it takes to get the job done.
Walter has and continues to be one of my prime lending options for my clients and his team is also fluent in mandarin and cantonese.
I feel fortunate to have known walter for almost 20 years. I can say with utmost cnfidence and certainty that i woukd give him the highest level of recommendation.

Walter helped my wife and I secure a loan to buy our first house. Even though we had a somewhat non-​standard situation, Walter made the process go much more easily and smoothly than I would have ever expected. I thought there would be many more hoops to jump through and hurdles to clear, but there was hardly anything we had to do. Everything was extremely simple and we closed on time in under 30 days.
Walter was always very quick to answer my questions at all times of day and night, and got a pre-​approval letter to us in a moment’s notice on a Sunday night so that we could bid on the house. He stayed on top of the dropping interest rates, allowing us to float down to a much better deal than we locked in early in the process. I can unequivocally recommend Walter to anyone.

I’ve used Walter a few times. The first two times was to refinance my home in sunnyvale. Both times, everything was really easy. Walter always picked up my calls whenever I did call and was super responsive via email as well, including nights and weekends.
I also recently purchased a new home and Walter helped me secure the loan. He was knowledgable about rebates and different options i could do in terms of downpayments, terms and rates, which I had no idea about. Everything was very smooth and I didnt have to rush with any docs or anything.
I would highly recommend walter whether you are refinancing or securing a new loan. He’s good at answering all your questions and understanding your needs and works hard to make sure everything is painless.

I had done my previous 2 mortgages and re-​fi through Wells Fargo as I had a longstanding relationship with them and expected them to value my business but when it was clear that I was getting nowhere close to the best rate and then Wells immediately sold my mortgage to another service company and thus I no longer qualified as a PMA client I was frustrated to say the least. I decided as rates lowered again that I’d talk to someone and was quickly referred to Walt. I couldn’t give him a higher rating if I tried — he was fantastic! We were able to close 2 re-fi’s simultaneously and along the whole way Walt was providing frequent updates on all the numbers and scenarios. A really smooth process and a high five to Walt! Thanks!!!

If you are purchasing a home or refinancing, you want Walter on your team. Walter helped with the purchase of my first home as well as not one, but two refinances all in a single year!
Every single one of my transactions went smooth and he helped ease the stress of the home purchase/​refinance process. Walter always answered any questions I had promptly via telephone or email. I’ve referred him to a number of my friends and they have all been happy with his services. Again, if you are purchasing a home or refinancing, get a hold of Walter ASAP!

Walter is awesome. We finished our second re-​finance with Walter not too long ago, but we also used him when we purchased our home. He’s quick, knowledgeable, helpful and with him you can do almost everything via email! I will definitely continue working with Walter on future re-​finances because he makes the process so smooth and painless. If you’re looking for a house and soon will be ready to purchase or even just put in an offer: Don’t waste your time and contact him now. I promise you won’t regret it.

Walter helped me through two transactions, one for my first home, and the second one for my refi. He is super professional and totally on top of his game, which I find hard to find among certain real estate agents or mortgage brokers in the area. He was a true gem and very helpful. I had a complicated mortgage, but he was able to find me the best rate that I couldn’t find through my own research online. He also followed up with me regularly and helped me do a refi when it was the best time for my circumstances. Couldn’t recommend him highly enough.

Walter was great! He made my first purchase as a home owner very simple and painless. Whenever I had questions he always answered the phone and gave me a very easy-​to-​understand answer such that even a 2^nd grader (with basic concepts of what money is and where it comes from, of course) could understand. Even after the purchase he still helps out with anything financially related with the house. Thanks Walter!

Walter is a quintessential professional, which is hard to find in the bay area. As a first time home buyer, he was able to explain every detail in easy to understand terms. What I was most impressed by was when he was giving his advice or opinion, he was not afraid to tell you your realistic options — I need someone to be my side and tell me what I need to hear not what I want to hear. As a result, he was able to gain my trust.
Walter is a sharp and straight forward mortgage broker and I will not hesitate to refer him to my friends. Buying a house is a stressful process and his steadiness and professionalism made the purchase a lot easier. I hope to work with him in the future. I highly recommend him.

Walter was not only instrumental in helping us with the original financing of our first house in San Carlos that we bought in 2011, but he has also helped us a few times already with refinances. He is on top of the market and trends and is quick to notify of us of these changes so we can pounce on them while the iron is still hot. Also, for someone like me who doesn’t understand financial terms and processes as much as I would like, Walter describes them in easy-​to-​understand ways as well as walks you through each step making sure you fully know what you’re doing and what’s coming up next. Couldn’t have asked for anyone better to help us finance our house!

Walter helped my husband and I with the purchase of our new home. He was very responsive to all our questions and needs throughout the process. Even through our refinance just a couple of months later, Walter was very helpful. We would not hesitate to use his services again and have already begun recommending him to our friends.
He is professional, responsive, and super-​helpful. Buying a house is nerve-​racking but Walter’s services are very reassuring and makes the process go smoothly.
Five stars and then some!!!

We’ve refinanced twice with Walter over the past 3 years, and each time he’s been incredibly helpful in strategizing how and when to refinance by looking at the trends in mortgage rates, helping us with the application process, and ensuring that everything gets taken care of in a timely fashion. Both times, the process was very smooth. Like the other reviewers, I’ve been very impressed with the ongoing customer service.
Walter was also professional, friendly, responsive to questions at all times of the day, and I would highly recommend him to friends. Not to mention, our mortgage savings have been significant because of his guidance.

We were referred to Walter by our real estate agent. We were very pleased by the recommendation. Walter secured us a great loan, answered all of our questions promptly by email and phone at all hours, and even came to our house to answer questions with the final paperwork.
As first time homebuyers of a foreclosure, he guided us through the buying process. With Walter’s help, we were even able to close sooner than we had hoped. He called us and emailed us with updates, making the experience feel very personalized. He even walked us through how to deal with atypical employment circumstances.

Are you buying or refinancing a home? Then you need Walter in your team!
I met Walter through my agent James. I have to say there’s not a lot more that makes you feel naked than producing all your financial documents first for someone to review and then for a bank to make a judgment call on you based of that. In fact, I think I’d rather actually BE naked.
However, Walter makes you feel a whole lot better about the whole process, PLUS he was awesome at explaining every detail to me since I was a complete newcomer to such things — finance not exactly being my forte. I would email him with a question and Walter would come back with very clear, easy to understand answers about how the process works, and never spoke down to me.
He got me a great interest rate, and he’s a really genuine and honest person to boot. I mean, it’s a risk handing over all your bank account numbers to someone, right? You really have to trust them — and yeah, you can trust Walter. He’s genuine, and just works to get you the best deal he can, and he’s my mortgage hero! I would recommend him to all my friends. :)

My husband and I bought a house last September. We thought we got a pretty good interest rate. But after watching interest rates drop even lower, we decided to refinance 3 months later. This meant changing banks to the one with the lowest rate, and of course, the dealing with all the accompanying paperwork and red tape. Thank goodness for Walter. He talked us through the whole process, constantly kept an eye out for the dips in interest rates, and helped us lock down a much better rate. And when we had trouble getting all the pieces together for our loan, he went out of his way to have the bank extend their deadlines and waive unnecessary forms. But by far the best thing about Walter was his patience and flexibility. He’d take our calls on weekends and late night weekdays. And since we both work in the south bay, he accommodated for our work schedule by arranging for notaries to meet us at our house in the evenings. I’ve since recommended him to several of my friends and would definitely use him again if we ever decide to do another refi.