Maria Chen

President & Loan Originator

(408) 366-0311 x220
DRE 00980024 | NMLS 320236

Maria Chen has over thirty years of experience in the mortgage industry. Starting from 1986, she has been through the ups and downs of numerous business cycles, rapidly rising from receptionist to loan processor to loan officer, finally ending up as one of the top consultants at Home Service Associates by 1988. Since then, she has done business by referrals only. In 2005, she started her own company The Loan Story in a down market. The company thrives in chaos of the financial meltdown and to this day there is not a single loan default in her entire career.

A literature major in College, Maria brings a very personal touch to her business. To her, business is about building relationships and understanding needs. Throughout the years, her office has become the ultimate resource center for home owners. House, finance, family, investment, neighborhoods, kids, education, arts… the list can go on and on. She maintains an excellent reputation among clients and lenders.

She is also a respected leader in the non-profit performing arts field, to which she has devoted countless volunteer hours in the past twenty years. These invaluable experiences provided Maria a solid foundation for leadership and team building, which was essential to the founding of The Loan Story.

The Loan Story was built upon the conviction that mortgage industry needs high qualify sales force that cherishes integrity, quality, creativity and simplicity. Since 2005, The Loan Story has steadily grown to be a broker firm that stellar performance is a norm. That teamwork is a necessity. That business focus is on client satisfaction, file quality and lender resources.


I tried to work with a couple lenders, but wasted a lot of time with no results. However, the Loan Story was unbelievably resourceful, and were able to close my refinance and new purchase within 2 months. (It would have been sooner if the seller had their act
together.) They helped me accomplish what seemed like a long shot; I leveraged my equity to purchase another duplex in Oakland and provide affordable housing for others. The whole time they seamlessly responded to questions…This has not been my
experience at all with past banks or loan brokers. I would have absolutely no hesitation recommending them fully and will definitely refer family, friends, and colleagues.

Patrick L., Oakland, CA

The Loan Story is extraordinary. I have done two different loans with The Loan Story, and I highly recommend them. Their team is highly professional, patient, responsive and efficient, it doesn't get any
better than that. They also provide professional guidance if you have any questions and are constantly looking to provide a customized solution for you.

Gordon H. Pleasanton, CA

They were awesome! Great service, friendly staff. I did a refi with them and they completed it within 25 days, got a great rate, and it didnt cost anything. The team worked well together and they were able to answer all my questions. I definitely made a great choice using them.

John A, San Jose, CA

You guys have been awesome in all of this!  One of the best transactions I've had in a long time!  :)

Romar De Claro, Coldwell Banker Realtor