Testimonials
Kevin and his team at Equity Zone Mortgage are THE BEST! My husband and I closed escrow on our first home last week and could not have done it without EZM. We were referred to Kevin by our realtor in February, and out of the 3 lenders we met with, we knew he was the one to go with right away. Kevin was straightforward and professional -- he asked a lot of questions to get a feel for our needs and situation, but more importantly he had the clearest answers to all my questions without hesitation. He was approachable and friendly, but also serious and ready to get business done - which is exactly what I wanted in a lender (doesn't everyone?) We got pre-approved within 3 business days (the process with EZM was very clear and simple) and Kevin met with us again to go over the numbers so we would know what kind of monthly payments we would be looking at depending on our purchase price. He got us a great rate, was super encouraging about the process, and gave clear estimates so we could feel comfortable knowing exactly what type of offer we could afford. About a month later, we made an offer that was accepted with a 21-day close. Kevin's team went to work right away and sent a detailed list of everything they needed from us. I especially appreciated Cecilia Chuong (Director of Central Processing) who was SO helpful and fantastic to work with every step of the way. I had several questions about the entire process, and Cecilia made time to chat with me and answer each one clearly. As a first-time home buyer, the loan process can feel overwhelming. Not only is it a huge purchase & investment, but there is a lot of information to sort through. Kevin & Cecilia took so much of the stress out of the entire process! They made us feel prioritized and answered all of our questions by phone or email -- they never made it feel like they needed to rush to another phone call or help another client (though I am sure they totally needed to!). They both took the time to make sure we felt comfortable and certain the entire way. At 7 days from close our offer became extremely time sensitive (appraisal value and renegotiations w/seller) so it was even more crucial that our loan could close exactly on time. Equity Zone Mortgage worked around the clock to close our loan within the short timeframe. In this current Sacramento housing market that is crazy, it is key to have a lender who is available, can get the job done fast, and can DELIVER. Kevin, Cecilia, & Equity Zone Mortgage are the team you want by your side!! I plan to recommend them to all of my friends and family purchasing homes in the future.
~ Katie K. - Sacramento, CA
Giving credit where credit is well deserved. I usually dont write reviews but i wanted to take the time to give credit where credit is deserved. I HIGHLY HIGHLY recommend this company. Fast and effiecent, and kept us in the loop with everything going on. I was able to save roughly around $700 bucks a month on my morgage, Thats huge! If you are looking and around and come across this company look no further, give them a try and they will not disappoint.
~ Tung H. - Hercules, CA
HIGHLY RECOMMEND!! We were dropped by our lender one week into contract and was unable to get approval anywhere else. This put us at risk of losing our deposit and the home we really wanted. Luckily someone had referred Kevin a while back and I remembered to reach out. He responded immediately and we were able to get on the phone. After a 20 minutes of listening intently to all the details and being extremely patient with me spazzing out, Kevin presented a couple different solutions and explained what he needed. By that evening their team sent over a to-do list and we were able to get the ball rolling the next day. Kevin and his team were always responsive and VERY EXPERIENCED given the twists and turns of our deal and our challenging financial situation. Even with xmas, holidays, and New Years, it all worked out and we were able to close on our dream home! It was stressful for us, the sellers, and agents, and escrow, but Kevin and his team were always calm and confident, always reassured us, and delivered exactly what and when they said they would. We will be using Kevin for all our home loan needs and will be referring him to all our friends and family members!
~ Josh
As a first time home buyer you start to learn that everything in this field is competitive. I worked with a couple Lenders before finalizing with Kevin. I try to be loyal as I could however when it boils down to it you only want what is best for your future. Kevin really demonstrated how to put your best foot forward and for that I thank him for doing business with me. I highly recommend him.
~ JOHN D. - Antelope, Ca
Kevin and his team worked hard to get me the lowest interest rate possible. Kevin is very experienced in his field and will do whatever it takes to make you feel comfortable with your loan.
~ zuser20160904123921319 - Sacramento, CA
Kevin was great! He was very helpful and provided extremely excellent service. Very informative and made the process easy. Would greatly recommend to family and friends in the future.
~ ry12young - Elk Grove, CA
We were first time home buyers last year in 2016 when we got the opportunity to work with Kevin Nguyen. He took the time to explain everything to us, each step of the way. Buying a home can be overwhelming between the paperwork, the information, and the options, but Kevin was quick to reply to any of our questions, and never made us feel pressured. We 100000000% would recommend Kevin Nguyen to anyone!
~ kourtanei - Elk Grove, CA
I have nothing but good things to say about Kevin, he made my first buying experience extremely simple, there were absolutely no issues was very informative, he even help us with my credit which was bad at the start but walked us threw every step, right into our first home! No surprises as long as your honest with him. Thank you Kevin for everything I highly recommend him especially new home buyers he knows all the ins and outs to every situation, if you think your ready to buy please don't hesitate to call him, he will take care you.
~ user736427 - Oakley, CA
I had the pleasure of working with Kevin twice, when I initially bought my house in 2012 and in 2015 when I refinanced. Since it was my first time buying a house, I had tons of questions. Kevin walked me through the entire process and was very responsive and professional. He outlined the various loan options available to me and gave me sound advice when I was unsure of what to do. He got me the best rate possible with low closing costs and both my loans closed in a timely manner. He is very knowledgeable about the mortgage business and I really enjoyed working with him. I will absolutely return to Kevin for all my future mortgage needs and would recommend him to all my family and friends.
~ POWERCHICK77 - Elk Grove, CA
Kevin Pham Nguyen's company are filled with nice and helpful staff, they are there whenever you need questions answered and they keep you updated on the status of your loan. They are very approachable and competent, knowledgeable on all areas of the business!
~ myra c. - Rancho Cordova, CA