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Conventional Mortgage Loans in Fremont, CA

Welcome to the official site of Providential Mortgage. 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.

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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. He knows the mortgage process well and follows through on everything he discusses. Mike and Danielle are just as awesome and are detailed, efficient and process driven. Every step of the way I knew exactly what was happening and Tuan and team even checked in even when there was no other update just to say things are moving along. They made me feel heard, valued and always knew what was going on in my process. I felt like I was their only customer with the attention I received even though I know they have many customers all in different stages. This is a testament to their great work ethic and customer service. I will definitely refer them to friends and family as well as reach out next time I need their services. Thank you Tuan, Mike and Danielle!

Chris H.
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Tuan and his team are absolutely the best! I needed to refi and found Tuan through Yelp. I was cautious and skeptical at first especially having to trust someone based only on good Yelp reviews. Tuan is very professional and quick to get back to me. He took the time to explain the complicated process of refi and found the best interest rate. I will definitely hire him again when the time comes to buy my second property. If you are looking for an agent to help with a mortgage/refi, you should definitely give Tuan and his team a chance.

Jonathan V.
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Tuan and his team have helped us refinance our home twice now and both times have been a great experience and excellent rates. Tuan, Mike and Danielle are professional, friendly, extremely knowledgeable and available. I believe they truly try to find the best options for you. I feel they went above and beyond to answer our questions, explain steps as they were happening and they got things done quickly. I would recommend them to anyone looking to refi! Thanks again guys!!!

Janice P.
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There's a very special reason why you only see 5 stars review for Tuan and his team. It's truly because they are the best, no joke!!! I was referred to Tuan by one of my good friends who told me he was one of the best loan agents she's ever worked with. He initially helped me with the refinancing of our current home which went smoothly and left a great impression on me. A month later we decided we wanted to purchase another home and so I reached out to Tuan and his team again. Within 1 week Tuan got my pre approval, found me a trusting agent to work with and by the end of the week we had placed in an offer on our new home and was accepted. Our home closed in less than 30 days!!! I cannot cannot stress enough how much I appreciate Tuan and his team. Him and his team made a very stressful process go so well that I never felt stressed or pressured. It didn't even feel like I was in the of process of purchasing another home. Tuan made me feel super important, like I was his only client, even though he's actually super busy and working on multiple loans at once. My texts never go unanswered and would always get answered almost immediately. Not only is Tuan and his team knowledgeable and excellent at what they do, they are also extremely honest, which I appreciate most. Tuan, you and your team are now my forever go to team and I would recommend you to my family and friends in a heartbeat!!

Betty L
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We felt robbed and cheated on, working with So, I looked for a lender around the area and found him. I immediately send an email to Tuan last night and I already got a call this morning. He's explanation of things enlightened us. If you are looking for a lender who is very knowledgeable and will jump in your situation, I highly recommend Tuan! He made me feel like a family, It was a relief talking to him. I appreciate your help and time, You're the best, THANK YOU SO MUCH TUAN! - Maria

Maria R
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Tuan and team; hands down made my refinance process super fast and easy! They were very knowledgeable and prompt with keeping me up to date on the process and answering any questions I had. Overall, they got me the bet rate and the kicker is that the whole process from start to close took just 2.5 weeks!

Brain C
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Tuan and his team (Mike & Danielle) are exceptional! I emailed Tuan on Saturday night, he called me first thing Monday morning. I filled out the application and got him all the paperwork needed for my home refinance by the next day. He closed my refinance 2 weeks after! His team is quick, responsive, and extremely professional. Anytime I had a question, it was answered within the hour! I did some loan shopping before I spoke with Providential Mortgage, so I knew what I was getting into. Speaking with Tuan, his initial quote outright beat everyone! If you're looking to get the lowest rates possible and want good customer service, Tuan and Providential Mortgage is your one stop shop.

Mike C
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Tuan is the best. Hands down. I first met Tuan 4 years ago when i was buying a home in the Bay. Very knowledgeable, thorough, efficient, and extremely personable. He helped me close my loan when I bought my home 4 years ago and just got me through a refinance in a matter of a couple weeks. Thank you for helping me out on no-notice and taking care of me again. And of course, a big shout out to Mike and Danielle on the team. Thank you all for your work in making this as quick, smooth, and painless as possible. You guys are great! Stay safe! -Dan

Dan K
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Providential Mortgage, and more specifically, Tuan and Mike have been my mortgage professionals for over 10 years now and I hope they become yours as well. My family has used Tuan's team on a number of occasions, and the service has been consistently great. I'm actually writing this review because I'm about to use his services again in the coming weeks. Low and competitive rates, easy to work with and very little hassle. Quick service, clear and constant communication, while educating me on the pros/cons of any potential decisions my family and I need to make. These are the qualities that keep me coming back to Tuan and Providential Mortgage. Thank you Tuan for taking care of me and for your excellence in service!

Kenneth Q
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Just closed on my 5th refinance with Providential Mortgage! Can't believe we have had that many refis since 2013 but hey, can't resist when the rates are at an all time low, right? As always, it's always such a pleasure working with Tuan and his team. Very professional, honest and available any time or day for all my questions. Quick turn as well and super smooth process. PM is definitely my go-to when it comes to home loans and refinance!

Silvia Z
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This is my second review to Tuan, Mike and the entire Providential Team. I have refinanced twice with Tuan in the past year and Tuan was able to help me reduce my monthly mortgage without paying for the escrow fee. He truly cares about his clients and is very patient about each questions I have and make sure I fully understand before signing off all the documents. I highly recommend Tuan and his team to anyone who is in need of mortgage service. I feel very blessed for having Tuan by my side each time refinancing my mortgage!

Shihan L
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Everyone needs an expert who could handle the whole home buying process professionally and efficiently. Tuan was that key expert person for us. He is reliable and knowledgeable. His expertise and experience were extremely helpful to us with getting the best rate. He was easily approachable and very helpful, they made the whole process very easy to follow and simple to understand. They were always there to help with any kind of question at any time of the day. The real amazing thing for us was closing our loan in the shortest period that I never expected it would happen. We were ready to close in less than 2 weeks! Highly recommend! Thank you so much, Tuan and Mike, for all your time and effort!

Lu G
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We were referred to Tuan from our realtor at the commencement of our home search. Our realtor advised us that Tuan was "the best". I can confirm that he lived up to all expectations. From the beginning Tuan was extremely responsive and helpful. He was always willing to answer questions and provide us different estimates based upon various pricing options we were considering. He also gave us some personal feedback and options based upon his long-time experience with homebuyers. When we had our offer accepted, we were put under the gun with a very short escrow time required by the seller. Tuan delivered on schedule with no hiccups. It's a bit nerve-wracking going through the home purchase process for the first time. All you can ask if for your loan officer to be responsive, help communicate and guide you through the process, and lookout for your best interest. Tuan delivered on all aspect. I would HIGHLY recommend.

Carlos M
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Tuan and Mike delivers. They are straight shooters, responsive, high follow through, patient, great communicators and are experts in their business.... Exactly our kind of guys. We will be going back to them for our future home financing needs and so should you.

Nap T
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Where do I even start.... If there was an option for 10 stars on Yelp I would hit it twice!! My best friend referred us to Providential Mortgage and told us that Tuan and his team could close our loan in 14 days. (Yes I said 14 days). This was my fiance and I first home and had no experience in the process. Tuan and Mike made us feel so at ease with everything even with our hectic work schedule. They where so professional and not once did they tell us there was a problem with your loan. Everyday we got updates and the status of are loan which made us feel even better. I would definitely refer anyone and choose Taun and Mike again in the future. And the icing on the cake was that we closed our loan in 13 days !!! Thank you Tuan and Mike you guys are amazing!!!

Son N

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