Emory Financial

Daniel Han

All I can see is wow. My wife and I found Jon Lam through a recommendation and we couldn't have been happier. He served as our loan officer and even went beyond the scope of a loan officer and offered help every step of the way. He was almost like a second mortgage agent to us. Jon works EXTREMELY fast. You will never have to wait on Jon for anything as he takes care of it as soon as he gets it. Between the time we got pre-approved to actually finding a house and opening escrow, the interest rate had increased. Jon let us know immediately that it had increased, but did not finalize the loan. He told us that the interest rates are always changing and that if he can get us a better rate by waiting, he would. When we were nearing the loan contingency, Jon told us that not only has the rate gone down, it had actually gone down lower than our pre-approved rate and locked it in for us. We were ecstatic. As mentioned previously, Jon works extremely fast and protected me every step of the way. The escrow company was chosen by the sellers, and to put it bluntly, they were slow and made a lot of mistakes. Jon had to constantly push the escrow agent to send him documents and correct mistakes. He warned us that if the seller's agent and escrow are this slow and full of mistakes, that the whole process may be frustrating and slow. He told us that he has never worked with an escrow company like this before. In fact, he was so skeptical that he asked how much we loved the house, which took us by surprised. He asked because in the worst case scenario, we could lose our deposit or even the full offer amount if the escrow company were to take our money and run. He was more worried about us than about the commission he would make off the house. Our agent assured us that her broker had worked with the seller's agent before, so we proceeded on with the purchase. Dealing with the sellers/escrow got to a point where the loan contingency was 2 days away and Jon needed the information at least 3 days in advance. He advised us that the sellers would push us to sign off on the loan contingency, but under no circumstances should we do so. If we did sign it and something went wrong with the loan, we would lose our deposit. He told us that the seller could not force us to sign off on the contingency, and that the seller's agent would have to file paperwork that would require us to sign within 3 days, which essentially gave us 3 additional days to sign off. Fortunately it didn't come to that because Jon pushed the underwriter to prioritize our loan and it was approved the next day. I cannot say enough good things about Jon. Simply put, he is someone you want on your side. He prioritizes the client's interests before his. He works extremely fast and fixes problems himself and updates you on the situation. If I ever buy another house, I am 100% using Jon again.

S L

I recently refinanced my home, and feel lucky that I was referred to Jon (by friends who had also happily refi'd with him). He made the process easy, straightforward, and fast. He was responsive and provided transparency every step of the way, and fought endlessly to get the best outcome possible for me. I highly recommend him without hesitation - you will not regret it.

Jessie Martin

Jon Lam is very professional, approachable and knowledgeable Mortgage Advisor. Jon took care everything for us including notary services, explained each section thoroughly and drove to our house to finalize the refinance paperwork. Overall, we got a great interest rate. I would highly recommend Jon Lam and Emory Financial for superior refinance service a d trusted advisor.

Miriam Caballero

I highly recommend Jon and Emory Financial to all my friends. When we were in the process of buying our home we initially worked with a different financing company our realtor used. Long story short, that other company was ripping us off but since it was our first time buying a home we did not know what to expect during the process or what to do. This is when a good friend of us recommended us to consult Jon before we continued working with that other mortgage company. We were in a time crunch because we had only a few weeks left until our deal was closed. So, we took a leap of faith based on the great feedback we heard about Jon and switched our purchase loan to Emory Financial. Working with Jon was the best thing that could happen to us. Jon was super attentive to our needs, walked us through the process every step of the way, was honest and upfront, every question we had he was always available for us; even when he was busy, he would let us know he got our message and would get back to us quickly. We felt he really had our back and made the process of buying our first home much easier. I always recommend Jon and Emory Financial to all my friends and will continue to do so.