“Tina Elias is a very trustworthy and honest, highly responsible, extremely knowledgeable and PATIENT mortgage broker. I have financed with her and re-financed with her 4 times since 2007. She keeps me abreast of the news and interest rates and is always trying to help me get a lower rate. Highlights of her service include:1) Tina is very patient in explaining things to her clients and answering ALL of the many questions one may have 2) Tina is NOT PUSHY and does NOT pressure clients into financing with her (there was one occasion where I was getting a better rate directly from a bank – and Tina was very honest with me and told me it was a GREAT rate that she could not match and that I better go with the bank) 3) Tina has a very quick turn around time in returning phone calls and emails 4) Tina is very organized and does not ask for things twice 5) Tina is just so much FUN and FUNNY to work with – in what is sometimes a VERY nerve wrecking situation. I feel so LUCKY to have connected with her and she is ABSOLUTELY my go to mortgage gal!!” – Emily (via Zillow)

Jone was nothing short of phenomenal to work with. Being a first time homebuyer, I had a lot of questions and Jone had all the answers. She is passionate about her job and truly cares about her clients. I really appreciate all the guidance and it felt wonderful to know she had my best interest at heart which is a rarity in any business. I would gladly recommend Jone and her team at Allwin to anyone I know. – Emily

“As a Broker Owner of franchise office one must create synergies with top in in their filed. One such loan agent that I like to recommend is Chi Mak from Allwin Capital. Chi’s professionalism, integrity, and knowledge speaks for itself when it comes to loan. He is at top of his game, staying ahead of closing files, deadlines, and complications. He addresses concerns head on and does not display any sort of hesitation. Chi does not just close files for the sake of numbers, he creates long lasting relationship. His approach is to provide clients with all options before locking them in for any particular type of loan. Chi has been involved with our office for number of months and on thing in particular that I admire is that he is reachable any time of the day. He keeps clients in the loop during their purchases process. He doesn’t stop even when complications arise.” – Parm

I highly recommend Allwin Capital and Team. Chi Mak from Allwin Capital explained to me my options for my loan and was able to meet my demands and budget. Chi Mak was able to get me a mortgage loan that best fit my financial situation. Joanne Bautista, who’s the loan processor on my purchase transaction  were on top of all the process, responded to all questions, concerns & inquries right away. I had to close escrow within 25 days and Chi Mak and Joanne Bautista team was able to close in less time 20 days to be exact!!! impressive.. Thanks Again Allwin Capital. You guys rock!!!! – Ed (via Yelp)

Chi and his team were phenomenal in getting my client’s loan approved and closed.  We were done sooner than planned.  They were very transparent with the whole process and my clients and I were informed every step of the way. I can only highly recommend Allwin Capital! – Kris (via Yelp)

“I would highly recommend working with Jone Chan for your mortgage needs. Being first-time buyers, we required a lot of education regarding the loan process. Jone spelled out everything for us in a very thoughtful, orderly fashion. She walked us through carefully step by step. The process is complicated but with Jone’s meticulous nature and many years of experience, she made the process less daunting and easy to understand. Jone was always available when we needed her and was patient with our many questions. She was always professional and pleasant and we had absolutely no reservations in trusting her with this very important, life-changing event.” – Noelle

“Chi Mak has been nothing but patient and helpful throughout this entire house hunting and obtaining the loan process. We started working with him in July and tried bidding for some homes, but we were outbid since we don’t have the best financial background including some minor difficulties. He never gave up on us and we continue to house hunt to find our dream home. Finally there was a new development in Hayward and we fell in love and this was in early Oct. 2016. Chi did all he can to help us through this entire process and even when we didn’t have the best financial background and some minor hiccups along the way. Lastly in the end of Feb. 2017 was when we finally closed on our home. He’s been helpful, encouraging, kind, understanding thorough this entire process and Phong and I are truly grateful. I would highly recommend Chi Mak for your mortgage needs. We’re first-time home buyers and needed a ton of guidance and knowledge about everything. He was there through it all and we couldn’t have done this without him.” – Yanice and Phong

“Tina is the BEST!!!!! When I bought my house in 2007 (urgh), she got me a great rate on a 30 yr fixed loan, which helped me avoid the terrible mortgage fallout that destroyed the housing market. She has stayed on top of the market and mortgage rates since then, and through a number of strategic refinances, she forced my rate down by two percentage points (almost $1000/month)! Basically, Tina’s excellent work ensured that I got a loan I could afford for the long run and saved me a TON of money. In addition, I have been looking for a new house, but a becoming a partner at my law firm (technically self-employed) created issues. Tina came up with creative ideas that enabled us to get pre-approved for a loan at a favorable rate. Like I said, Tina is the BEST!” – Masa

“Tina is exceptional. She delivered perfect service and was always very responsive. She educated me all along the way, and made a complex process very simple.” – Todd (via Zillow)

My friend recommended Justin Ling from Allwin Capital to get me a loan for a property. What can I say about him…he is the best at what he does he and the other brokers from Allwin Capital truly went out of their way. Justin always kept me informed and patiently explained when I sometimes did not understand all the lingo that comes with the requirements of banks. Even when things got discouraging and held up with buying the property he always kept a positive attitude. Thank you…u are valued!! – Damaris (via Yelp)

“We can’t say enough good things about our experience. My husband and I bought a home in October 2014, and Tina was recommended by our real estate agent. We can’t say enough good things about our experience. Beyond her mastery of the loan process, we believe she had our interests first and foremost in her mind. She was patient with our many questions and explained things clearly. The level of personal attention she provided was extraordinary. When we received our draft escrow documents a day or two prior to the actual close/signing, Tina insisted that we go through the documents together over the phone to ensure everything was correct and accurate, and no surprises arose during the signing at the Title Company’s offices. My husband and I had a seamless home buying experience this time around, and it was all due to our RE Agent and Tina.” – Cynthia (via Zillow)