We are a full-service mortgage company based in Fremont, CA. We can help you realize your dream of homeownership or to save you money when refinancing you into a lower monthly payment. We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you.
Contact Providential Mortgage today to discuss your mortgage loan options, and find out which loan program will best suit your needs. Tuan and team are exceptional! Their 5 star reviews on yelp are all aligned with the terrific service the team delivers. From the beginning Tuan was very responsive to email, text and phone calls.
Contact Providential Mortgage today to discuss your mortgage loan options, and find out which loan program will best suit your needs. Tuan and team are exceptional! Their 5 star reviews on yelp are all aligned with the terrific service the team delivers. From the beginning Tuan was very responsive to email, text and phone calls.
Services
Our mission is to serve our customers with integrity, precision, and efficiency. We're straightforward and to the point. Our goal is to provide home loans to our clients tailored to your family's exact needs. With more than two decades of experience in the mortgage industry, we have gained wisdom and creative solutions to help borrowers navigate and overcome roadblocks that can arise while securing a loan.
Kindly provide your date of birth so our mortgage brokers can verify your identity when they contact you. Thank you for your cooperation. Providential Mortgage strives to ensure that its services are accessible to people with disabilities.
Providential Mortgage has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.Providential Mortgage makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server.
Providential Mortgage has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.Providential Mortgage makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.
Applying for a mortgage can seem like a daunting and scary process. To help, we've created a checklist of things for you to compile, complete and acknowledge before applying. Credit history is a recorded file of past and current credit that is utilized to compile a credit score. A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime. Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Reviews (20)
Henry Nguyen
Nov 28, 2021
Report
Just a disclaimer, I typically don't review businesses - but when I do, they're only positive for extraordinary service. Providential Mortgage went above and beyond all expectations for my family and I to receive a home. Timeliness, responsive, respectful, answered all questions my wife and I had - and met all parameters of the loan we were looking for. Tuan and Mic and the rest of their team brought an ease to this experience - which could have been unnecessarily stressful. Because of this company, we're able to be in our home and close on time before the holiday season! If you're reading this
Lily N.
Jun 29, 2021
Report
Let me just start by answering the question on everyone’s minds: Are all these 5-star reviews for real? Yes, Mike really is as awesome as all the reviewers say. He was knowledgeable, professional, and amazingly responsive through the entire refi process. He always answered my questions promptly and respectfully (yes, even to the dumb questions). He regularly informed me about what to expect next and notified me each time I needed to do something to quickly move the loan process along. Mike’s experience and due diligence undoubtedly played a huge part in how quickly my loan closed. I feel fortunate
Michael Reyes
Jun 05, 2021
Report
Mike from Providential Mortgage was HUGE in helping us purchase our first home. Being new buyers, we didn't know much about the process when we began but Mike was very knowledgeable about the ins and outs of mortgage loans and answered all our questions clearly, quickly and respectfully. He was very helpful every step of the way and always kept us in the loop and updated all throughout. I'm definitely recommending his services to everyone I know!
Nikki D.
Jan 14, 2021
Report
I couldn't say enough about Danielle! She made a very tricky loan get approved. She's tenacious, communicative, speedy, on point, and gets things done during the whole entire process! In the world of covid where underwriters have been a pain to deal with, Danielle is the person to go to. She's a rockstar!
Scjperez
Dec 08, 2020
Report
Positive:Â Responsiveness
Providential is an amazing service provider. Mike worked on securing a new home loan for us in San Francisco. He was quick and responsive throughout the entire process. Provided frequent friendly step by step updates. I will continue to use Mike for future services, and so should you.
Providential is an amazing service provider. Mike worked on securing a new home loan for us in San Francisco. He was quick and responsive throughout the entire process. Provided frequent friendly step by step updates. I will continue to use Mike for future services, and so should you.
Rosie Dlc
Jul 02, 2020
Report
Providential Mortgage provides the best service in the area. They make the process easy and efficient. Mike is quick to respond and willing to explain the steps and status in detail over the phone. They provide competitive rates. Providential Mortgage is my go to service provider. I highly recommend.
Kiran Borkar
Nov 25, 2019
Report
Julie Anne Marcellano
Oct 20, 2019
Report
Experiencing our first home purchase and refinance with Mike was seamless both occasions. Mike is fast with his execution, efficient, very responsive, and readily available for any questions. He is knowledgeable, which gave us confidence in our decision to buy a home and refinance. We appreciated his thoroughness and professionalism throughout the process. Very thankful for making this experience pleasant with all the complexity in the home buying/refinance world.
Steven Ly
Oct 08, 2019
Report
Praveen Kurup
Sep 05, 2019
Report
Myself and my wife were first time home-buyers.
We were looking for mortgage broker who have good customer support, smooth end-to-end loan approval and disbursement process,
and can close the loan formalities quickly, once property gets finalized.
That is when we found Providential Mortgage through yelp and reached out to Mike.
Providential Mortgage offered multiple loan payment options which were suitable for our financial position.
Mike guaranteed us a 21 day close, but loan closure actually was done in less than 21 days.
Thank you to Mike for end-to-end smooth process and guidance.
Mike
We were looking for mortgage broker who have good customer support, smooth end-to-end loan approval and disbursement process,
and can close the loan formalities quickly, once property gets finalized.
That is when we found Providential Mortgage through yelp and reached out to Mike.
Providential Mortgage offered multiple loan payment options which were suitable for our financial position.
Mike guaranteed us a 21 day close, but loan closure actually was done in less than 21 days.
Thank you to Mike for end-to-end smooth process and guidance.
Mike
Dylan Ting
Jul 16, 2019
Report
Providential and Mike helped me secure a loan for my first home last year in the Bay Area and more recently with refinancing to lock a better interest rate. Working with Providential has continued to be fantastic and hassle-free. Great for busy people, Mike works efficiently and requested all the paperwork or info he needed promptly and upfront to keep things moving. But he was also patient whenever I had questions throughout the process. As his other clients will likely mention, his communication and response time are outstanding. Thanks again, to Mike, and I hope to continue working with Providential
Darryl T.
Nov 08, 2018
Report
I really enjoyed the experience of refinancing my home loan with Danielle. She assisted me at every twist and turn throughout the process. Everything went smooth according to the timeline she laid out for the process. I would highly recommend her whether your a first time home buyer or refinancing your home loan.
Vickey Y.
Jul 13, 2015
Report
Brent M.
Dec 12, 2014
Report
Nobody Better!!! Danielle is our go to mortgage broker. As a licensed agent, there is nobody else I refer than her. I even had the pleasure of having Danielle handle our own home purchase, and talk about peace of mind. My wife and I didn't have to worry about a thing. She handled everything, and I mean everything. She works relentlessly and tirelessly for you, and no matter what time you need her, she is available. Danielle is truly the best to have on your corner.
Marisa S.
Nov 12, 2014
Report
Danielle is THE BEST!!!!
We were referred to Danielle by our realtor as we were selling our townhouse and buying a home. To be completely honest, we did not have to worry about one thing during the whole transaction ---- talk about peace of mind!
For anyone that has gone through buying/selling/refinancing a home, you know that it can be very stressful. Danielle really took that stress away! She was always responsive to e-mails/phone calls and answered all of our questions in an easy to understand way (and very quickly, might I add). She took care of everything so we didn't even have to
We were referred to Danielle by our realtor as we were selling our townhouse and buying a home. To be completely honest, we did not have to worry about one thing during the whole transaction ---- talk about peace of mind!
For anyone that has gone through buying/selling/refinancing a home, you know that it can be very stressful. Danielle really took that stress away! She was always responsive to e-mails/phone calls and answered all of our questions in an easy to understand way (and very quickly, might I add). She took care of everything so we didn't even have to
Gilroy Rose R.
Oct 23, 2014
Report
Both my experiences with Danielle were fantastic! I initially worked with Danielle on the refinance of my townhome and then a few months later she helped me obtain a new construction home loan with the same lender.
Danielle is professional, ethical and upfront. She worked really hard to ensure I got the best interest rate and that the lender's deadlines were met. Danielle always kept me in the loop, made sure I understood every aspect of the transaction and she was available 24/7. She's very good about following up and following through even after both loans closed.
I highly recommend
Danielle is professional, ethical and upfront. She worked really hard to ensure I got the best interest rate and that the lender's deadlines were met. Danielle always kept me in the loop, made sure I understood every aspect of the transaction and she was available 24/7. She's very good about following up and following through even after both loans closed.
I highly recommend
Jason K.
Oct 08, 2014
Report
This is the first time we dealt with house loan but Danielle made the process very smooth. She found us a good interest rate/package and took care of all the detailed paperwork between customers and bank. Very professional. Besides, I have to say Danielle is the most patient and responsible agent we have ever met. Definitely recommend her excellent service to others!
Jeff W.
Sep 21, 2014
Report
We worked with Danielle to buy our first home. I can tell you that she is the best there is. She was available almost 24/7 to help us and really explained everything in great detail. She was so good, I recommended her to my parents as they are buying a home in Gilroy also. You will not be disappointed if you go with her.
Monica B.
Sep 14, 2014
Report
Niki G.
Sep 03, 2014
Report
When my fiance and I decided to buy our first home from DR Horton I was very nervous about the loan process. I had no idea what to expect!
The ladies at DR Horton recommended that I call Danielle Bair at Providential Mortgage to get pre-approved. After finding that we were pre-approved (which took no time at all) we started the loan process.
I am so thankful that we had Danielle helping us, I don't think I would have been able to do it without her! Danielle was so attentive with our case and always emailed me right away with an update and/or to tell me what she needed to move forward. If
The ladies at DR Horton recommended that I call Danielle Bair at Providential Mortgage to get pre-approved. After finding that we were pre-approved (which took no time at all) we started the loan process.
I am so thankful that we had Danielle helping us, I don't think I would have been able to do it without her! Danielle was so attentive with our case and always emailed me right away with an update and/or to tell me what she needed to move forward. If
