Uni First Investment, Inc.

I contacted Uni First about three weeks before closing after ditching my prior broker due to high fees. Emerson emailed back with upfront quote and pricing and gave me daily updates on mortgage rate movement. Loan was funded on time in just three weeks. They worked with my escrow company directly as I did not use a real estate agent.

I had the pleasure of working with Eric, Emerson and Jojo at Uni First Investment. The team was great to work with. They were knowledgeable, patient, accommodating and very professional. I will be referring to friends and will request their services again in the future. Thanks Uni First Investment team!

I had the pleasure of working with Lewis during my recent loan process, and I couldn't be more impressed with the level of service I received. From the very beginning, they were transparent, professional, and incredibly helpful in guiding me through each step of the process. They took the time to answer all my questions and ensured I fully understood the terms of the loan. Especially, with only 4 days to close, he was able to close in just 3 days! Even my agent was amazed by how amazing he is! His team was

Working with Eric and his team (shoutout to Matthew and Jojo!) has been such a smooth experience for me and my husband. They were also easy to speak with, friendly, and courteous, which played a huge role in our wanting to work with them. We were looking to refinance our mortgage and received clear competitive quotes and helpful recommendations from Eric without any of the pressure or pushiness that we experienced from other mortgage lenders that we spoke to and got quotes from. Eric and his team answered a

Eric, Matthew, and Jojo were all very pleasant to work with and I'm grateful for this team for helping to guide me through my first loan application and home buying experience. I had a lot of questions throughout the entire process and Eric and Matthew were both very quick to respond each time. They are very professional, courteous, efficient, and made the whole experience feel very personalized. I have no doubt that the refinancing process in the future will go just as smoothly. I would highly recommend Er

Working with Eric was a seamless experience. He was super knowledgeable and went over different products with us and gave us options when I thought there was only one way to do it. He is super nice and I keep going back to him whenever I need to buy or refinance

We had an incredible experience working with Uni First Investment, especially with Matthew! From start to finish, Matthew made the mortgage process smooth and stress-free. He was knowledgeable, patient, and always available to answer our questions. His expertise helped us find the best rates and terms that fit our needs perfectly. We felt supported every step of the way, and we couldn't be happier with the outcome. If you're looking for a reliable, trustworthy mortgage lender, we highly recommend Uni First

It was a pleasure working with Eric and his team. They were quick to respond whenever I had questions and were very insightful. They made the home buying process so much easier for me. My agent also agrees on how easy it was for her to work with them and how competitive their rate was.

Wish I had came to uni first investment sooner! Was in a bit of a unique situation, but Matthew Chan was patient and understanding, tailored to my needs, professional analysis and provided me with options. During the process, he also followed up accordingly, make sure the closing was quick and smooth. Uni first offers all kind of products, will definitely return. Thank you again Matthew and Eric!

Eric and his team are beyond amazing! Eric is very professional and knowledgeable! He truly is an expert in this field and he does not hesitate to give you honest opinion. He responds to texts and emails at a timely manner, usually within hours. Our loan went thru so smoothly, thanks to Eric and his team! Our realtor also praised highly of Eric and his team and said they are some of the top loan officers he worked with all these years.

Superb service quality with efficient response time! Eric & his team is professionally knowledgeable and quick to answer any questions or concerns. We just had our home mortgage refinanced. I would trust Eric with all my refinances moving forward and I would recommend you try him out as well. Not to mention lowest rates and fees compared to other lenders. Uni First Investment has earned my business.

I had the pleasure working with Eric and his team for my recent home purchase. It was the most pleasant experience that I've ever had after my other 2 previous home purchasing. Unlike certain loan processors who would hide information from me to maximize their commission, Eric was honest and had my best interest when giving me advise. He also went out of his way several times to make sure this process went smoothly. He also responds to emails at lightning speed which is a big help as most home buyers are an

I have asked Eric to help me refinance my house for 2nd time already. He and his teammates responded quickly and took about two to three weeks to close the escrow. Overall, very satisfied and would highly recommend others to find them if you want a best rate and fast service. They are one of the best companies to work with home refinance because they are knowledgeable, friendly, and helpful. Excellent services!

Great service from Eric and his team. It took some waiting but because I was in Greece working at the time but it worked out regardless and we closed quickly once we got the ball rolling. Cheaper and faster then other brokers. Was able to get my home appraisal waived as well. Came to my house to sign paperwork as well. You won't be unsatisfied with Eric and his team!

We just had our home mortgage refinanced thru Eric and his team and it was an awesome experience. Hands down, one of the best experiences I had when it comes to refinancing. Eric was fast (we closed in just over 3 weeks!), super responsive, thorough, and most importantly, GREAT rates! I would trust Eric with all my refinances moving forward and I would recommend you try him out as well. You won't regret it.

I was referred by a friend to go to Eric, as I was rejected by many other brokers. Once I talked to Eric, I am very satisfied with his service, and Uni First Investment was able to offer me the lowest rate. I like Uni First Investment. We all communicated all through emails. Everything is accurate and went smoothly. Also, I am so impressed by their professionalism and efficiency and Eric was quick to answer any questions we had which make me feel very comfortable with this process. I am very thankful for Er

5 stars for a great experience working with Eric. I couldn't have asked for a better loan officer who was always on top of everything. He was very responsive and replies almost immediately after I sent him an email. He is very honest and I can tell he wants the best for his customers. He advised me when was the best time to lock in the interest rate, and in the end, I got a really good rate even though rates are rising. I will definitely be using Eric for his services again.

Fascinating experience working with Emerson and Eric. Both of them are very responsive, quick, and efficient. As a first time home buyer, I was extremely nervous and had a lot of questions answered. Please do not hesitate to work with them. Thanks a lot Uni First!

Highly recommended!! Eric and his staff are knowledgeable, courteous, and very efficient. Eric will respond to all of your questions pretty much immediately, without being pushy. Places like Owning and Better refused to refinance with us because our outstanding mortgage was 'too low'. I refinanced with Uni First in 2020 from a 30-year fixed to a 15-year fixed. The cost was super competitive and they offered us an interest rate 2+% less than on our original mortgage!

I rarely write reviews but Eric and his team really impressed me with their efficiency and low rates. I had contacted several big lenders before contacting Eric for refinancing. Even though it seemed like other banks offered lower rates, they added on confusing fees and points that would take couple of years or longer to break even. Eric offers no cost refinance which means you start saving on monthly interest expense from the beginning. Throughout the entire process, Eric was very responsive via email. Eve

Eric and his team were phenomenal. They got us the best rates and worked with us quickly to complete our refinance. He was transparent and communicative throughout the whole process. I highly recommend Eric and his team! Thank you so much!

Eric had helped me to refinance my home loan several times and he is the hardest working man I have ever met. He always looks out for his customers and responds to his customers timely. I have introduced several of my friends to Eric and they all became his returning customers because of his professionalism. I would definitely recommend Eric to anyone who needs to borrow or refinance a loan.

Eric and his team did my refinance. They offered a better rate than the big banks and were so efficient. I especially love that Eric is very responsive and always available to answer any questions. Highly recommend!

Eric is highly efficient and responds back very fast for any questions or inquiry. Highly recommend him for a home Purchase or refinance and recommend families and friends. His team is efficient and the best way to communicate with him is via email. What to expect is full transparency and straight forward answers. Experienced, professional, courteous, and highly efficient.

I had the pleasure of working with Eric Lao in purchasing my first home. As a young professional, I did not have much experience in the mortgage process. Eric was patient and helpful in answering all questions/concerns that I had. He acted in a professional, but friendly manner during all steps of the mortgage process. He is reachable nearly 24/7. I was amazed at his response time to my inquiries. I intend to work with him in the future to refinance my home and to purchase an investment property. I would re

Eric was easy to work with. After our first loan was closed, I mentioned that let us know if there is a better rate in the future. He remembered and informed me six months later. The process was painless and rapid.very happy that my friend recommended him and his company to us.

I have done a few loan mortgages and refinance with Eric at Uni First. He is quick to respond to any of our questions and always offer the best rates to us when available. Thank you Eric!!! We love working with Eric and his team and will definitely recommend them to our friends.

Eric and his team are lightning fast. We got our first mortgage with him and we are in process of refinancing. He is proactive and diligent and treats you like you are family. I highly recommend Eric and his team. Not only has he helped me with my first home loan but he has helped my family on multiple mortgage loans. He sees you through the whole process and works very hard to respond promptly. Also he gives fair rates and prices. He keeps things transparent as if you're family. Even as a first time buye

Eric is very professional and knowledgeable! His team is simply amazing. Eric is truly an expert in this field and gives you an honest opinion. He really works hard for the client. He responds to emails promptly. My loans went thruough so smoothly and couldn't think of a better service than Eric and his team! Thank for the amazing work Eic and Team!

This is my Four times working with Eric Lao, he has done the impossible to help I bought my first & second house, after a twelvemonth of the finance and refinance with Eric on numerous lending transaction, he has helped me find the lowest interest rate on the market, he is very professional and resourceful, always usable in case I throw any doubt. I am real pleased with working with Eric, He will be my first option for any future mortgage financing needs. Love the service, great customer service and very p

I am so glad that I discovered this company. I refinanced with them twice already to take advantage of the low rates. Eric and his team are very efficient and responsive. The loan processing is very streamlined, unlike those big banks. Eric keep his words and I don't have to second guess him. I communicated with them all with emails which I liked, with everything clearly laid out in emails. I will refi with them again if the rate ever drops lower.

Eric was referred to us by a friend who had a good experience with him. For us, it was no different. Eric was extremely responsive and honest from the beginning. Our refinance took less than four weeks to close. He was extremely easy to work with and I would not hesitate to refer him to my friends and family.

I had been looking for someone to help with refinancing my home. I had some bad experience with other mortgage firms. A friend recommended Eric and his team to me and I was not disappointed. He was quick with his responses, handled everything digitally and even answered his phone right away when i called. If you're looking for someone that cut straight to the chase, no strings attached then look no further.

Eric Lao of Uni First Investment Inc is a very experience Mortgage Broker, he's very efficient and knowledgeable in all aspects in mortgage lending., he always does his best to give you the best rates and save you loan costs. Eric also has a team of specialists and staff that are knowledgeable, and hard working. Your questions or inquiries will always get answer within the same day during office hours, that's why the processing time of your purchase or refinance deals get done super fast. I recently had m

I got many estimates on my home refinance and Eric Lao was able to give me the best rate. I was always able to reach him when I had questions. He and his team responded promptly to emails. The quote he gave me in the beginning of the process was what I got at closing. He saved me a lot of money. I recommend anyone looking for a mortgage loan to call him.

Eric and his team at Uni First Investment, Inc. are incredible! I've worked with Eric several times now for refinancing my primary residence as well as purchasing other properties, and the experience each time has been stellar. These are the areas that matter to me when deciding on a team to work with. Trust: Trust matters! Eric has never come off as untrustworthy. How can you do business with somebody that is only looking for their own best interests? Eric has not once come off that way to me, and th

Just refinanced my mortgage for the first time and am glad I went with Uni First Investment. After shopping around with various lenders, Eric and his team stood out easily as the most responsive along with offering the best rate. They laid out all the numbers up front and kept me posted every step of the way. Working with this company was a breeze. Fast and professional. Highly recommended.

Prompt reply, Helpful feedbacks and tips, Excellent service...We were working with Eric directly, with his help we were able to get a very good deal for our home. He is so experienced and knowledgeable that he is always one step ahead of every process. This is vital when you are facing so much deadlines at the time, so you will have less to worry about and have more time to spend on the other things on hand. Even our estate agent and the escrow are impressed by the speed of how we get everything settled. Mo

Just finished a refinance with Uni First Investment. This team was amazing and so efficient. The whole process took about 3 weeks, from submitting the application to the closing of the loan. Our mortgage broker, Eric, was a pleasure to work with. He was professional, clear and very responsive. Highly recommend them if you want a hassle free experience!

It was such a wonderful experience working with the team at Uni First Investment. Eric has been in constant communication the whole way through and worked with me closely to figure out what might make the most sense from a cost perspective. My real estate agent even commented afterwards that Uni First was one of the fastest and most responsive lenders he had ever worked with. Thank you again guys for all your help in assisting me through this extremely competitive home buying market and making my purchase p

I read a lot of reviews and that's how I found Eric but I usually don't write them. However, I am making an exception for Eric who did our refi and was absolutely outstanding, as was Jeanie. As others have mentioned, Eric's communication is amazing-he ALWAYS responds to emails within minutes even late at night and on weekends. When does he sleep? He kept us in the loop and patiently answered all my questions-and I had a lot! Our refi was complicated due to certain circumstances in our lives right now and I

Eric and his team at Uni First Investment provide quick, easy, simple, and secure services. Our refinance was completed in less than a month. During this pandemic, we'd like to be safe and avoid going to the office. Most of the document were emailed. I am a person who is always concerned about security and ID theft. When Eric's team emailed me document with personal and confidential information, they automatically encrypted the document with a password without me asking. We are very happy with their service

Eric is a loan officer you really want to work with. He is alway there to help you with your questions and he responses immediately most of time. He will try to get the best rate for you and has great customer service. We have two mortgage loan transactions closed by Eric. We are very happy working with him.

I made three refinance at same time! To my surprise, Eric and his team are Very professional and efficient! They took care off my loan so efficient, save me a lot of headache! Their rate is competitive and no fee no point and low fee depend on your loan! I saved around $500 for my monthly payments!Highly recommended to anyone who need a refinance!

Eric and his team were VERY responsive to questions and concerns. This was my second refinance with him. The first one was a bit complicated, dealing with a four-unit apartment building. Everything went smoothly. The most recent was a refinance for my home and it took just three weeks! Great job!

Eric and his team were easy to work with and helped me every single step of the way. They were very knowledgeable and were able to answer any question I had regarding the home buying process. One thing is these guys are FAST. My real estate agent was extremely impressed at how quick they got our loan processed.

The team is amazing, professional and super efficient, I reached out to them at the very last minute, from the first day I called Eric to the day of closing, it only took 13 day!!! It's unbelievable but they made it! If you are looking for a loan, I recommend you to talk to Eric or Emerson, they will give you their expertise and act like an angel to guide you through.

We refinanced our mortgage recently with Eric. He was extremely professional and very responsive. Once we locked in our rates, we closed within days! This was the quickest and smoothest experience I've ever had with refinancing. I will not be going anywhere else for any future home loans.

I am so glad I found Uni First investment and can understand how they've earned hundreds of 5-star reviews. I've evaluated several mortgage brokers to understand their pricing models and fee structures, so it was hard to believe that Eric @ Uni First could actually provide a refinance process with no points or fees. It's the best service in 3 ways, especially during times like COVID: 1. Eric advertised (and delivered on) the lowest rate among all other brokers. 2. Eric was quick to respond. One thing t

I worked with Eric and his team for the first time this year when I refinanced my mortgage. Like what others said in their posts, he and his team are quick (and accurate, of course). They're very responsive with a quick turnaround time and when it came to the last week of closing, I made a mistake that caused a slight delay. However, they adapted very well to my situation and I was able to refi my mortgage without any issues at all on their part. I have no doubt that Eric and his team are busy, but they've

It was a pleasure to do business with Eric and his team at Uni First Investment. Eric answered all my questions with lightening speed and took care of every detail. The team members were also very professional and courteous. The whole refi process was done fast and without any issues. I recommend to contact this company if you are planning to refinance.

I talked to Eric for assistance with a mortgage loan application. He and his team were very responsive from start to finish with the process and did whatever they could to give me the best rates for my situation. Would definitely recommend.

Eric and his team helped me to refinance my mortgage. I shopped around with a handful of different lenders and Uni First Investment was able to offer me the lowest rate. They were very easy to work with, very communicative, and got everything done very quickly. I definitely recommend them to anyone looking to buy or refinance a home.

It was my first time purchasing a house and Eric and his team helped me throughout the entire process. He was able to help me get a low interest rate as well as low processing fees. He responded to all my calls and emails in a timely manner. I will definitely recommend him and his team to anyone that is looking to purchase their first home or even refinancing their home. I even has a mishap with changing jobs at the last minute and he was able to pull through the loan. Even though it was my mistake that cou

We worked with Eric for our refinance. He is extremely professional and responsive. Answered all of our questions quickly and thoroughly. Would highly recommend working with Eric and his team!

After working in the industry for over many years and dealt with countless mortgage broker, Eric is the most professional and efficient loan officer I've ever known. Not only he gives the best rate and always able to close the loans earlier than promised deadline. I highly recommend him.

Eric Lao is the best broker I ever experienced. He is professional, responsive and honest. He ensures the loan is closed within 30 days. There has no hidden fee and cost that you have to worry. That is why I kept going to Eric for financing. I would definitely go back to him next time.

This is the 2nd time Eric's helped us out. He came highly recommended by good friend. They review docs quickly & efficiently. Truly great quality & value with integrity. Both refi's closed in about 30 days. They make you feel like you are their only client. Eric & his team at Uni First gets straight to the point and gets the job done!

Eric just helped us refinance. He was very helpful and him and his team have great customer service. He was very knowledgeable and helped us find the best way to get the best rate possible. I would highly recommend him.

Highly recommend Eric and Matthew to assist with your home mortgage needs. Lower interest rates compared to other mortgage brokers and the fastest response times! Would definitely use them again in the future.

I usually don't like to rate anything or anyone but Eric is exceptional. He's very good at what he does and quick at responding to his email. At first I find it very weird that he doesn't take phone call or text and who doesn't text nowadays but his email is as quick as texting. I have worked with him twice and hopefully again in the near future. Keep up the good work Eric!

Best refinance experience I've had. For the course of my life I have refinanced homes 5 or 6 times and Eric was so polite, knowledgeable and never made you feel dumb for asking questions that maybe I should have already known. I will use him for future mortgage/refinance projects and I highly recommend him to anyone looking to do the same.

No issues with Eric and his team. Quick and easy. Always answered my questions no matter the time of day and response was lightning quick.

we recently applied for a loan to refinance our mortgage on Mar. 17, 2020. Eric Lao is from the Uni First Investment, Inc. , he is very active, efficient. Every time we need help from him, he responds to us very quickly. Within 5 weeks, we got the loan approved and transaction closed successfully. We really appreciated Eric and would recommend him to our friends in the future. Andy Truong

Eric is very responsive and easy to work with. He got us a great rate and worked fast to close escrow quickly. He also took the time to answer all of my questions quickly and thoroughly. I highly recommend him!

This review is a little overdue as Eric helped me refi my home last August but well deserved by him and his team. Eric was helpful throughout the entire refi process. Despite being my first refi, he helped to set clear expectations of what's needed, the cost, and time it would take. An added plus were Eric's speedy response to questions (especially during today's time with COVID). Documentation, collection, signing, and coordination with other Uni First Investment employees were well coordinated as well. A

Eric and Jojo were very professional, diligent and detailed in my entire loan process. I felt comfortable in dealing with them. My loan was processed in a timely manner. I felt like I was in good hands and they provided the best customer service. My questions were immediately answered and I felt confident in dealing with Uni First. I would recommend Uni First to my family and friends.

Eric was a pleasure to work with! Courteous, professional, and reliable! Very knowledgeable and accurate with his estimates. He replies promptly and works like he's got something to prove. Great work ethic and would highly recommend him to anyone who needs his services.

We were referred to Eric and his firm by our real estate agent. We worked with the firm twice for both initial purchase and refinancing and our overall experience was positive. Eric was very responsive in answering our questions and provided accurate information that we were seeking. His staffs Jojo and Shun were supportive during the entire process.

Eric and his team are very responsive and efficient. We need our house deed to have our joint name. They are able to prepare the paperwork immediately and get it done just in time we needed. Definitely will use their service again in the future!!!

Eric was super responsive and professional. He helped me with any questions I had and was always really helpful. The loan was approved really fast and made the home buying process very easy for me.

2nd house, done! This is my 2nd time to work with Eric and his team. They are fast and reliable. The first priority for a good mortgage company should be finding one you can trust, and this is the one! You can feel you are in good hands. They are professional and knowledgeable. Highly recommended, you won't go wrong with them. I already have referred some friends to him already. All very happy with their services.

Eric and his team are very professional. They are very detailed, responsive, and knowledgeable about everything you need to know for your loan and application. They follow up frquently and are very thorough to make sure there are no hiccups in your application from beginning to end. We've used him a few times now, and he always gives the best rates.

Eric is extremely knowledgeable, he navigated the usually stressful home financial process with much ease. My very Asian dad was set on doing things his own way, but Eric told us a bunch of helpful advice that would end up saving us a lot in fees. He made sure every document was accounted for, and every detail discussed. In the end, my usually stubborn dad admitted to me he was glad I recommended him. I am still riding that high. Thanks, Eric!

Eric and his team at Uni First Investment, Inc. helped refinance my parents? home in just a few weeks. They were responsive, direct and professional. The entire process was quick and easy. I highly recommend Uni First Investment for you home mortgage needs.

I worked with Eric and his team for my first home purchase, they are very responsive and guided me throughout the process since I literally know nothingabout how to get a pre approval, and get a rate locked in etc. I learned a lot during the process and was able to get a good rate! We closed escrow in 30 days per the seller's request and everything move very smoothly. Thank you Eric and the Uni First team!

Excellent mortgage broker to work with. The company helped us obtain a loan at a very low rate and the process was seamless. I will definitely use Eric and his team in the future to purchase more homes or refinance. Thanks Eric!

Eric is very helpful and responsive to all the request and emails through the mortgage refinance process and be able to provide the best low rate that anyone is looking for. I am pleased with the experience and will definitely go back to him for refinance and loan inquiry.

Eric Lao helped refinance my house. He is knowledgeable and quick to response. The entire process went smoothly. I would highly recommend Eric and his team at Uni First Investment

I can't thanks enough to Eric and his team. I would give six star if I could. Everyone in the team are very efficient and professional. The whole process was very smooth. I really appreciate Eric locked a good rate for me and gave me good advice.

I had a great experience with Eric and his team! Throughout the process they were responsive and knowledgeable. Eric responds to texts and emails in a very timely manner. Highly recommended!

Eric worked very professionally. Always answered to my questions. He helped me when I really needed the service to be completed fast. I could refer him to anyone who wants to refinance property.

I had the pleasure working with Eric for my refinancing process. He was honest, friendly, knowledgeable, and very responsive on any concerns I had. He got me the lowest rates, no points, low fee, and no hidden cost. Thanks again for your hard work, I really appreciate it.

As a real estate agent, timing is everything and I refuse to work with any other lender except Eric Lao. His professionalism, quick responses, honesty, and kindness makes it such a pleasure to do business with. I would highly recommend Eric if anyone is looking to purchase or refinance their home, you will not be disappointed.

This is 3rd time that I do the refi with Uni First/Eric. The experience did not change at all. Great service, fast respond time, efficient and great value. Eric always get the best interest rate with no point and no fees. It make refin so easy. I highly recommend Eric's team.

Eric and his team made it effortless and very easy to refi. They were professional and always got back to me right away with any of my questions or concerns via email. I was recommended by my brother-in-law and in turn I recommended my sister. I look forward to working with Uni First and Eric Lau again soon. Thank you!

I have worked with Eric Lao several times for refinancing my home and getting the lowest rate possible. Eric has been very professional, responsive, and extremely easy to work with. I would recommend Eric?s services to anyone.

Highly recommend Uni First for any home mortgage refinance needs. Their team is very responsive to your messages and streamline the entire process to keep it as simple as possible. They were very professional and there was never a point during the process where we felt "in the dark". 5 stars well deserved