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May 2023 by DiDi Kreeck
Working with Millie and Victoria Financial team was a great experience, especially home purchase process can be a little stressful at times. Millie was incredible to work with! She was patient and answered all our questions; she was very professional, knowledgeable, and helpful. She took care of every little detail of the financing with speed and efficiency, and she was on our side EVERY STEP OF THE WAY!This is our 2nd home purchase Victoria Financial has helped us. When they say, no points and no fees, they always deliver!I highly recommend Millie and Victoria Financial team as your mortgage broker. They are genuinely good people and care about their clients.
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October 2021 by Sweetie P.
This is probably my Nth refinance with Victoria Financial and I am impressed each and every time. We refinance under the second home residence conditions and Victoria was able to offer great rates, slightly higher than primary residence rates. When they say it's no cost, they really mean it, everything is covered by them for escrow title, fees, points, seriously I have no idea how Serena does it, but she been offering their rates like this for years. She works on volume vs. other mortgage brokers who try to make a killing. The icing on the cake is the gift she gives to us customer, I've gotten great home accessories, pictures frame, vases, clothing, and this refi it was a pressure cooker. Love it, I am happy to have locked in historical low rates, so if you're still looking to purchase loan or refinance Victoria is a great option.
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September 2021 by Sonia C.
We just completed another refinancing (at least 3 times) with Victoria Financial Corp and we could not say enough positive comments about this company. They helped us with the process and we were able to complete the refi with a few downloads and access to their portal. We continue to be amazed at their competitive and professional manner and most importantly their quick processing times.
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August 2021 by Kerry K.
The best loans and the most efficient process. They people are wonderful to work with courteous, ethical, accurate and will help you as much as they possibly can. I have done many transactions with them over a twenty year span. Pearl is amazing as are every other team member there.
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July 2021 by Steven V.
They take a little time to get back to you. In addition they're so busy now that they'll push those looking to refinance to the back of the line. If you're looking to refinance be prepared for extremely stringent standards in addition to long wait times.
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July 2021 by Marie C.
I had started the process last year and completed all the paperwork and scanned it. 2 mos ago I sent a follow-up email to ask how to submit the application. Was told, to complete the application online. What? That's not what the initial email said. The email even had the application to print and complete. (thus minus 1 star) Anyways, I redid the application online and sent all attachments are requested. We went back and forth with what missing docs they needed and it got confusing at times as we had already sent them in. Even though my friend used Serena for her loan, I did not even speak to her. Rebecca handled everything for us. When there was confusion, I got a call from her to further clarify things. If it were not for her, we would have given up. Her constant, clear communication was a savior. She was so sweet..very friendly on the phone. When it came to signing, she offered to have someone come in earlier than when their offices open so it would not interfere with my patient's appts. That was very nice. Going the extra mile made a difference. The morning we went to the office to sign the loan, we brought in some pastries to thank her. She wasn't there, but she had this very nice gentleman to help us with the signing. It went very smoothly. He was able to answer all our questions. They set up the parking with a canopy and chairs to be COVID safe. I was pleasantly surprised that they gifted us a Pressure cooker for doing business with them! I had my loans with B of A and Union Bank and my understanding is that they are supposed to notify the home insurance when there is a change in the Lender on the home. Neither of the banks did that as I had still had Sunrise, my old lender on there. Today, I received a letter from my home insurance notifying me that they are changing the lender to Victoria. Now..that is service and truly felt Victoria Financial tied all loose ends. They will definitely be my lender of choice for future needs as they offered very competitive rates and I would have no hesitation to recc them to anyone.
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May 2021 by Justin P.
I worked with Serena and Opry to submit an application for a refinance. Although I didn't end up closing the loan with them, they were great to work with.
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April 2021 by Mo Munoz
1 home purchase and 2 refis with Victoria Financial and every time they knock it out of the park. Serena and her crew manage to find the best rate and then during closing she personally goes through the numbers and any non essential fees she sees she will have you go back to escrow and get your money back. No comparison with other lenders...top of the class.
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April 2021 by Mohan G
Very knowledgeable lone officer, time consuming and efficinet staff. this is the way to do bussiness.
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March 2021 by John Y.
Just finished refinancing my house for the nth time with Victoria Financial Corp. Under Serena's leadership, this company has provided me the financial strength for owning a house while having a good life for the past twenty years. Pearl is also God sent and has provided all the comfort for my daughter when she purchased her first home. If you are looking for the best mortgage rate with zero cost and no "BS" fees, this is the place. They will work day and night to look for the best way to save you money!!!!
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March 2021 by Don D.
I finished refinancing my mortgage with Serena Cheng and her staff at Victoria Financial and they did an incredible job! They are extremely efficient and Serena is honest and caring and strives to provide the best possible loan. They offered me a better rate than all my other offers are delivered exactly what they promised. I can not say enough good things about Serena and her staff and I am so fortunate that I found Serena at Victoria Financial. Thanks again!
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February 2021 by Chris C.
Had a great experience with Victoria FC, especially Justin Wang who was our loan officer. As a RE agent I have yet to work with an LO as responsive and helpful as Justin, and he helped my client get to an incredibly low rate. Can't say enough good things about the experience!
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January 2021 by Omar Gamboa
Bogus No-Cost loan promise. They'll try to hide the charges by increasing your loan amount. Beware. Stay away.
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January 2021 by Maoput
Quite friendly and very efficient to get thing done.
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December 2020 by Willis W.
Parking: really small lot. Try to park on the street TLDR: competitive rates but not very responsive during the waiting period. Not technologically savvy. Lack of safety procedures on site. They are patient and willing to explain but do your research I was referred here by a coworker. I have refinanced once already and with rates dropping it made sense to refinance again. I spoke with Serena and she provided competitive rates. She provided a quote quickly. They are not fluent with the newest tech. I filled out the extensive paperwork (none of it was online and had to be printed out and filled by hand). I turned it in and haven't heard anything for a week. I followed up and got forwarded an email asking where my file was. They are not very responsive in terms of the status the application process. I never got refinance estimate until four weeks later when they told me to go in to the office to sign the paper work during a pandemic. This was my first time seeing the estimates. I was annoyed that I had to verify that the numbers matched with what I was quoted in the email. Also it didn't help that they had people who were new to the process explain the refinancing process to me. I was fortunate I had gone through the process before and new what to expect but I was confused what they were talking about. It took me a while to process everything to realize it was correct. I am glad the people are patient but it would make things easier if they sent out the estimates before hand. Bring your pen, sanitizer, mask and face shield. They pack way too many people in a building with too much furniture and paper. Imagine sitting in the back seat of a Mini Cooper with two other people in the car. No room for 6 feet social distancing or proper ventilation. I give it 4 stars cause they are fast and straight to the point. They are not trying to force you to buy anything. Also note that your loan will be sold.
