Esther Chien

Loan Originator

(510) 552-9991
DRE 01940054 | NMLS 1137810

Esther’s goal is to streamline an otherwise complicated loan process with the most up-to-date technology, and to provide transparency by effectively communicating available loan options. She is committed to providing the most personalized service, making herself available to her clients and referral partners with quick response times. Having handled more than 500 loan transactions and understanding the ins and outs of the loan process, she has the experience and knowledge for empowering her clients to make informed decisions. Whether it’s a first time homebuyer who appreciates a little handholding, or a savvy investor who wants a quick hassle-free turnaround – she delivers exactly that!

Esther joined The Loan Story in 2012, with a background in Business Economics and Accounting from the University of California, In her free time, Esther enjoys playing and appreciating music, trying new recipes, and international travel.


Esther did an exceptional job in getting us the best loan available, but it's not just about that. She was always available, including on the days when she was with friends enjoying a nice getaway over the weekend. She never allowed us to feel like we were bothering her or that she was too busy. Always pleasant, and professional. She is knowledgeable and patient and made us feel at ease and always kept an open mind about options. I can't imagine a more personalized and professional service more than what Esther has provided. There's no question that in the future, any time we will consider refinancing or purchasing a home, Esther will be the first and last person that we will contact. We are lucky to know her.

Amit L.

“I had finally made the decision to purchase my first home, and I was in search of a loan agent to get me through the paperwork. I found Esther through word of mouth. All I can say is "wow!" Once I found my house, from my offer date to the day I got my keys was about 2.5 weeks. Even my real estate agent was impressed! She was extremely prompt in answering questions and keeping me in the loop of what was happening and what was going to happen next. Not to mention, she found me an amazingly low interest rate that she was able to lock in on the same day! All in all, I would definitely recommend Esther to anyone who is looking for a loan agent. Whether it will be your first home, or you're refinancing on your current home, Esther is definitely the person you are looking for!”

Olivia S & Brian A

My wife and I just purchased our first home after selling our condo.  We have three young children and really needed some more room to grow.  We were driving one another crazy in our little condo.  In addition, we are both self-employed and were really worried about getting approved and submitting the necessary documentation for a home loan, as small business owners.  From the very beginning, Esther was very kind, patient, responsive, available, and did an excellent job in guiding us through the process from the very beginning to the very end. She was always available, on any day of the week and at any time, for questions and concerns that came up during the purchase.  We could not have asked for a better partner throughout the entire process, than Esther and her team.  We are very happy with the home that we purchased, and are very grateful for all of their help and time they dedicated to making our dream come true.  Thank you again Esther!

Oscar S.

I got Esther's contact information from a friend, which was also my real estate agent so I knew I was in good hands. Esther was hands down the best loan agent you could ever work with! I was a first time home buyer and knew absolutely nothing about the whole process. Esther was extremely knowledgeable and walked me through every step of the way. What I loved about her most was how truly genuine she was. I knew she was always being truthful and straightforward with me and that's rare when dealing with business."

I was also on a tight timeline to get everything approved and squared away so Esther was always on top of it! She did not let any second go to waste. She worked around the clock for me and my husband so I am truly blessed to have had her help us close on our first home! I will also be keeping in touch with her for when I need to re-finance.

Laura T.