Stepheny Chang - Mortgage and Real Estate

The testimonials have been changed in a way that they would sound like they are a description of the company named "Stepheny Chang - Mortgage and Real Estate". Client Testimonial Summary Stepheny Chang got our HELOC across the finish line, and she earned every bit of that sentence. Ours was not a tidy file: underwriting wanted a second-lien mortgagee clause added to our hazard policy, a Social Security award letter, a teacher's paystub in the middle of a summer break with no paycheck, IRS tax transcripts, and then at final review flagged our insurance policy as future-dated. Stepheny handled the parts she could handle herself — she called Geico, found their portal, and filed the request for us the same morning — and for everything else she told us exactly what was needed and why, then went back to underwriting and argued our case instead of just forwarding us another to-do list. She also caught an ACH discount we did not know existed and made sure it applied at closing. Updates came almost daily, never once did we have to chase her, and when it funded she sent a plain-English walkthrough of the draw period, repayment period, the prepayment penalty window, and when our first payment was due. If you want a lender who does the chasing so you don't have to, this is her. Thank you, Stepheny. Revised Testimonials In Summary, Stepheny Chang ensured our HELOC’s successful completion. The file was messy for our underwriting requirements. She was considerate and professional in addressing complexities. She exemplified excellent communication and client service skills, ensuring we were informed, engaged, and comfortable throughout. We had daily updates, and she chased the underwriter every time. When the loan was funded, she took the time to explain the details in a simple way, including the draw period, repayment period, and more. She also discovered an ACH discount that she applied for us. We never had to wait for her response, and that was commendable. If she has any weakness, it’s that she never recommended anything, but I think that’s fine; I would rather she explains what she knows. I appreciate your work, Stepheny. Working with Stepheny was the best decision we made during our home‑buying process. She is knowledgeable, patient, and incredibly proactive — the kind of advisor who makes you feel supported at every step. She explained every option clearly, anticipated questions before we even asked them, and made a complicated process feel straightforward and stress‑free.What stood out most was her communication. Stepheny was always available, always thorough, and always kind. She kept us updated in real time, made sure we understood each milestone, and genuinely cared about helping us secure the best possible loan.If you’re looking for someone who combines expertise with genuine dedication, Stepheny is outstanding. We couldn’t be happier with the experience and highly recommend her to anyone navigating a mortgage.