Loans By Irene
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Loans By Irene
Any decision involving a home purchase or refinance can be an overwhelming experience. You have thousands of mortgage brokers and lenders to choose from, so why trust your business with me? I offer loan comparisons and strategies that coincide with your individual goals and needs. I provide expert service, seventeen years of experience, and a thorough and up-to-date knowledge of the business.

I communicate proactively and consistently, so you will always know the status of your loan and the next steps in the process. Whether you're a first-time homebuyer, an experienced investor, or you simply want to refinance, I offer top-quality service, unyielding honesty, and the experience to deliver what I promise.
Services
I offer an equal combination of quality service and competitive interest rates for my clients, from the first time homebuyer to the experienced real estate investor. Rates are currently in the 2% to 4% range, depending on the program. If you are curious to see how they fare for you in your situation and to get on my Watch List, please contact me via email or phone.
You were so great to communicate with us so wonderfully, keeping us up to date, and free from unexpected surprises. This really helped us to be much more relaxed about the process, and this is much appreciated! Irene's knowledge and expertise helped us save $25K over the life of our loan, and her attention to detail was impressive.
Reviews (25)
Wei Z.
Wei Z.
Jan 02, 2022
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Irene is the best. Our case was complicated. But Irene was patient and explained everything. Although because of unforeseen circumstances we did not use her services, I would definitely use her services. Irene is the best.
Clay A.
Clay A.
Dec 16, 2021
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Irene was wonderful to work with again! She successfully secured me a great rate for my refi with lender concessions. The whole process was smooth and painless. She knows how to get it done! She is very helpful and delivers fast service; a joy to work with.
Rebecca Xhabija
Rebecca Xhabija
Sep 22, 2021
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We had such a tremendous experience working with Irene that we felt we had to share this gem with the world! Irene truly went above and beyond helping us with our first home purchase. She is consistently knowledgeable and professional - she explained every step of the process to us, answered all of our questions (never making us feel like any question was stupid), is extremely responsive, and is super well connected (she referred us to an amazing real estate agent who ended up finding our house). We felt like she was always thinking one step ahead through the whole process, and kept us in the loop
Sylvan C.
Sylvan C.
Apr 22, 2021
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I recently contacted Irene to handle a refinance on our home. From the very initial contact, she was responsive, professional, knowledgeable, and pleasant to deal with. She fielded my dumb questions with grace, and took care of all the nitty-gritty details behind the scenes without making the process difficult on our end. Overall it was a very smooth transaction and took just about three weeks from initial contact to escrow closing. During this time, we were always kept up to date on the process. I highly recommend doing business with Irene!
Caitlin C.
Caitlin C.
Apr 20, 2021
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This is a long overdue review but Irene's services are so outstanding that I knew I didn't want to wait any longer to sing her praises. Irene is very passionate about her work and it shows. She is very knowledgable, professional and very communicative. She helped us with the purchase of our first home and we had so many questions. She was very patient with us and answered all our questions in a way that we could understand. I never hesitate to refer Irene to friends and acquaintances as I know she will take great care of them. Thank you so much for all your help Irene.
E.
E.
Apr 16, 2021
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Irene was one of 4 loan brokers I contacted for a new home purchase.
One was too pushy. One ran my credit and didn’t give me their best rate. When I told them the rate that Irene got, they then wanted to deal but it was too late.
Irene was on it from the first moment of inquiry. With her help, we got the best rate and even closed EARLY. We had our pre-approval ready for offers in this crazy market and when the time came, got approved with ease. Providing documents was easy. When I had questions, she always replied quickly. If it was a more complex question (all for my understanding of the process
Teresa L.
Teresa L.
Feb 10, 2021
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For months my husband and I procrastinated on refinancing. After seeing interest rates drop below 3% we'd seen enough. After calling several people, Irene was the most attentive, friendly and competent in my opinion. The process went really smoothly. We did our part, and as soon as we got her the docs she needs things happened immediately. She's very attentive and responds to emails rapidly- even when I send a reply at 6am I'd hear from her by 615! She helped us save $1000 a month, which is crazy. She's very competent, down to earth and efficient. Highly recommend!
Angela Keller
Angela Keller
Oct 03, 2020
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Irene did a fantastic job for us on our home refinance. This was during covid so everything was done online and went very smoothly. Irene is a proactive communicator and always made sure we understood the process and the costs clearly. She actually found ways to save us money and even got our deed back into our trust at the end, which was an unexpected surprise. I would highly recommend Irene for all of your home lending needs.
Brittany T.
Brittany T.
Sep 21, 2020
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Update to my previous post - since 2018 Irene has helped me refinance twice and find an amazing loan for a new home!! She has helped tons of my friends and family and is absolutely incredible at her job!
Miss L.
Miss L.
Sep 03, 2020
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Like everyone else on Yelp, I can't say enough great things about Irene! She always responds promptly, ensures all your needs are met, and goes the extra mile to make sure your loan servicing is properly taken care of. She is never pushy and respects what you are looking for. In fact, she will keep an eye out on your target rate and proactively reach out once loans fall close to that target. Other brokers have promised this and only Irene delivered! Thank you Irene!
Kira Wetzel
Kira Wetzel
Aug 15, 2020
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We had been working with a previous lender who was flaky and unreliable so when we found a house we wanted to offer on our realtor gave us the name of 3 lenders, Irene being one of them.
In a matter of days she was able to get us everything we needed to offer on the new house, and while we didn't make it, she was right there with us for our next offer.
Speaking of that next offer--it turned into being in contract and now being home owners! Irene and our agent, Kristin Romig, worked together to put together a competitive, strategic offer. We didn't have the most money, but we did have a great
Brandon B.
Brandon B.
Aug 07, 2020
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Can't say enough great things about our experience with Irene! We just purchased a home with Irene as our broker, but she had actually been helping us plan for making that goal a reality for over a year at that point!

My wife and I wanted to buy a home for my parents to live in and I found an article Irene wrote online about Family Opportunity Mortgages so I reached out with some questions. She helped us give us realistic expectations of what we could afford and what the closing costs would be... and graciously reworked the numbers every couple of months when we would follow up to tell her
Blerina M.
Blerina M.
Jul 29, 2020
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Irene was so amazing to work with!! My husband and I are first time homeowners so she was so helpful walking us through each step of the process. We had a lot of questions for her and I could always count on getting a response right away! A friend of mine referred her and it was the best decision ever!
Leah T.
Leah T.
Jun 30, 2020
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I’ve originated and refinanced loans with Irene over the past 13 years. She is responsive, forthcoming and calm (which was particularly welcomed when refinancing during a pandemic). I’ve felt she brought me all the options I needed respective to what I was looking to do with my type of refinance and I trust her thoroughness. She’s my first go-to and I will continue to refer her to friends and family.
A. K.
A. K.
May 22, 2020
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Irene just helped us refinance our mortgage and saved us $400 per month - but honestly many lenders can do that. What really made her stand out was her communication with us during the whole process and her attention to detail. She kept us informed and on track and her knowledge of the process and the market saved us time and money on the closing costs. We were able to close in about 3 weeks and the icing on the cake was that our loan included the deed to put it back into trust and I didn't even have to mention that! The whole process was smooth and really easy. I appreciate Irene&apos
Laila F.
Laila F.
Nov 01, 2019
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Irene is a super star!! We recently completed our third refinance with her. And just like the first time, her knowledge, patience and professionalism put us at ease. We are not easy clients by any means. Both my husband and I are self employed and had a few surprises along the way. She stayed the course and after several months we finally completed the process. Making our first payment this month with a fantastic interest rate. Irene is extremely good at what she does and has a heart to match her expertise. Can no recommend her enough. See you for our next purchase or refi :)!
Dave H.
Dave H.
Oct 03, 2019
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It's almost impossible to say enough great things about Irene in a concise Yelp review. I echo all the other 5 star ratings and agree that you should look no further!

Irene has absolutely everything you could ever want in a mortgage broker - she is friendly, trustworthy, knowledgeable, reliable, highly efficient, an excellent communicator, and she does whatever it takes to achieve her clients' goals. We recently used Irene to refinance our house and the process was so much easier than when we used a bank to get the original mortgage. From start to finish, Irene answered our questions
Adam Elix
Adam Elix
Sep 28, 2019
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Irene was absolutely wonderful! She was always available to answer my questions, no matter how crazy and ignorant. She explained everything simply and thoroughly. She never pressured us to make decisions and provided us with professional recommendations. She followed up with us regularly during the entire process to help us moving forward.
C. Y.
C. Y.
Jul 01, 2019
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We worked with Irene and she was a DREAM. The whole home buying process was unfamiliar and foreign to us, but Irene was so helpful, patient, and available. We really appreciated her honestly and the way she never made us feel dumb for not knowing what we didn't know. She offered information readily that we didn't even ask and was always there for us. We highly, highly, HIGHLY recommend Irene and would definitely use her again if we ever purchase another home.
Teri A.
Teri A.
Mar 12, 2019
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I was not looking for a loan but looking for some answers. I emailed Irene and she was so helpful!

She replied immediately and answered all of my questions. As Clay A said on his review: Irene's speed of communication was unbelievable.
She was caring and professional.

I really appreciated her input! If you are looking for a loan officer, I believe you would want to work with Irene!
Jessica E.
Jessica E.
Mar 01, 2019
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Irene was amazing during the refi consolidation of our 1st and 2nd. She answered all of our questions (silly and complicated) in a very easy to understand way. We never felt pressured to make decisions, and knew that she was providing us with the best representation for us as clients, not for her business. Her follow-up as progress was made, attention to detail, and kindness cannot be matched. The entire process was so easy, streamlined, and efficient.
Maria J.
Maria J.
Dec 10, 2018
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My fiance and I are first-time homebuyers so we were relieved to work with someone who came so highly recommended to us. Irene has been incredibly patient in guiding us through the complicated mortgage process. Irene is efficient, encouraging, and eager to help! I don't know what we would have done without Irene!
Molly Harcos Tamariki
Molly Harcos Tamariki
May 19, 2018
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Irene is amazing! She was an amazing partner through the entire experience. She is very knowledgeable, detail oriented, hard working, and a pleasure to work with. She is always available to help and answer questions. It was our first time buying a home and she made all the difference in making it a positive experience all around! I would highly recommend her to anyone lucky enough to work with her!
Elizabeth H.
Elizabeth H.
Dec 23, 2016
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This was my second time buying a house but if you include the times I refinanced that first house, I've worked with a total of four loan people and HOLY MOLY, was Irene THE BEST. I found her through a friend who swore by her and have since referred her to another one of my friends, who is now also firmly on Team Irene.

Shady? NOPE!
Bad communication? NOPE!
Knowledgable? YEP!
Timely? YEP!
Thorough? YEP!
Patient? OMMMGGGG YES!

The single-lady-buys-a-home-in-Silicon-Valley process is a long and brutal one and even when my realtor was bumming me out about the likelihood of me winning any of
Aqua H.
Aqua H.
Apr 21, 2016
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We found Irene for a refi through Yelp as well as references from former/current clients. As others have mentioned - her SERVICE is simply amazing. As this was our first refi, we had a lot of questions about the process. Irene was extremely responsive even on evenings/weekends (at times to a fault!), was happy and ever-ready to explain or answer any questions and was very proactive with keeping us updated on the status and next steps as the loan processing proceeded in the background.

The overall experience was as nice and smooth as one could possibly hope for, and the 5 star ratings on yelp is