Chris Yang

Mortgage Specialist
230 Commerce, Ste 200, Irvine, CA 92602
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NMLS: 162505
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The process and information gathering was very easy through their electronic file upload. The loan officer and his team kept us up to date during all phases of the loan as well as when any additional information was needed. Chris Yang is our go to Loan Officer!

Steve M. | July 2018

Trustworthy, helpful, straightforward answering questions...

Thanthong S. | June 2018

Chris is a knowledgeable man. A gentleman and incredibly responsive. Very thankful for his help!

Wesley M. | June 2018

Chris Yang is awesome!

Neng M. - June | 2018

Chris and his team made our experience a hassle free one that met my expectations.

Evan F. | June 2018

Chris Yang made the process easier and was so quick. We closed in 2 weeks!!! Chris provided every scenario possible for my loan and was very comfortable speaking to him and trusting him in finding the right loan. If I would do it again, I wouldn't go anywhere else to get my mortgage loan needs.

Alan A. - April | 2018

Chris Yang and Kristi Webb were fantastic!

Jason R. | April, 2018

I got an excellent rate, consistent attentive customer service, and a timely closing. I have nothing but good things to say about the Guaranteed Rate team and I would be happy to recommend them to friends.

Karl B. | March 2018

I was so impressed with ease of use and customer service of Guaranteed Rate that I used them a second time for my mortgage refinance. Chris Yang was excellent and answered all questions immediately. Thanks Chris!

Joseph M. | February 2018

Chris Yang was very helpful. Kept me in the loop throughout the whole process.

Elmer F. | February 2018

This is the second loan I have made. I referred a friend, who also made a loan. We are both very pleased with the service and the loan officer. Thanks so much.

Janet D. - February | 2018

Prior to initiating a loan with Guaranteed Rate, I had loan applications in with 2 other Lenders that I canceled because of dishonest and unprofessional behaviors. I spoke with Chris Yang and expressed my concerns and even then he promised me a fast, documented closing process. I had the pleasure of working with Adonica Pedraza. Kristi Webb and Nicole Dang and throughout the processing of my loan Chris Yang as his team each provided timely updates and addressed my concerns. Each of them was...

Renee S. | December 2017

Very professional, simple, and easy. Keep up the good work!

Jesus R. - Funded 11/24/17

We were very satisfied with Chris Yang he did everything he said he was going to do and even sooner thank you for the great service.

David C. | November 2017

Chris Yang, Adonica Pedraza and Nicole Dang are THE VERY BEST individuals in the industry. We worked the most with Chris and he is a solid platinum gentleman. His customer service is genuine, thoughtful, forthright, and timely. GREAT loan officer. He has renewed our faith in humanity!! Thank you Chris.

Michael B. | September 2017

Chris Yang, Kristi Webb, and Nicole Yang were all very helpful. They responded to questions promptly with all necessary information. The process was quick and efficient. I appreciate the help that I was given on my refinance loan.

Nancy R. | September 2017

The entire team was knowledgeable on my reference questions. Guaranteed Rate's actions coincided with their words. Hard to find in today's market. The teams open, honest integrity persuades me to pay a bit more for quality service. Chris was a pleasure to work with. He has impressed me tremendously. My words don't do him justice.

Kathleen N. - September | 2017

The entire process was clear and simple, everyone who played a part in our refinance was friendly, knowledgeable and true professionals. This was easier and less stressful than our VA streamlined refinance, (Wish we would have known about Guaranteed Rate then). Thank you to the entire team at Guaranteed Rate, you will be our first stop for any future plans, and will definitely be referred to our friends and family. Thank you, David and Angie Hatcher.

David H. | 08/29/2017

The experience was seamless. It was a very busy time for me and the loan was done and completed much to my satisfaction.

Brenda B. - July | 2017

I shopped around and Chris Yang made sure to not only give me the best rate but also taught me a lot, everyone else I dealt with was also very professional, fast and easy to deal with. Very happy!

Bryan B. 7/24/17

Chris and Nicole were always available to answer any questions I had in a timely manner. They made this process very easy for me!

Rebecca C. 07/20/2017

Chris and his team were willing to help us find a loan that would work for our particular circumstances. Other lenders that I had started loan process applications stopped returning my phone calls when all of our numbers didn't fit into their box. Chris helped to get us options that worked with what we needed in order to refinance our loans. I hope these other lenders will eventually stop calling and emailing us. We are more than satisfied with Guaranteed Rate.

Sherry C. - July | 2017

Chris Yang and his team went above and beyond my expectations. Excellent communication and was always available to answer any questions. I could not have asked for a better partner with my refinance. Chris made the process stress free. Thank you!

Michael S. - July | 2017

Chris Yang and his team did an amazing job to come in and save my home purchase when Bank of America, who had worked with me for over 1 year on my home search with pre-approval letters, only to deny me 4 days before closing. Guaranteed Rate found me a great loan, that was ~$100 less a month, and they closed that loan in 20 days. I will recommend Chris and his team to anyone looking for a loan.

Brian A. - July | 2017

For a busy man, experience was great!

Harsh S. - July | 2017

My loan experience was efficient, my loan officer told me what to expect and delivered on those expectations.

Janet D. - July | 2017

Chris and his entire team were fantastic. Christi and Nicole were extremely helpful through the whole process.

Kenneth W. - July | 2017

I had a great experience with all involved. They were very professional and very efficient! I appreciate the convenience and getting the loan completed as said! Thank you for all your services!

Martha A. - July | 2017

Chris Yang was very professional and thorough in explaining cost and the loan process. There were no suprises whatsoever. It was surprisingly painless. I would definitely recommend my friends and family to Guarantee Rate! Hats off to Chris and his team!

Loan D. - July| 2017

I was very hesitant to use GR due to some complaints I read online, Chris not only walked me through every step of the process and assured myself, my realtor and even the selling party that we would not only close on time, but early. Him and his team were very responsive and efficient and delivered way more than I expected. My realator and title company also had a very positive experience with the entire process. I don't know if everybody has this same experience, but the team I worked with...

Vincent F. - July | 2017

Stellar customer service from everyone that I interacted with.

Tina M. - Cameron, CA | SEPT 2016

Chris, was extremely helpful and answered all our questions and concerns . Followed up in every stage of our process of loan applications.

Carlos P. - Beaumont, CA | SEPT 2016

I'm completely impressed with Guaranteed Rate. Not only is your online process simple and amazing - Chris Yang is an excellent loan officer. Chris is efficient and what sets him apart is is ability to explain the process and overcome obstacles. I will absolutely recommend Guaranteed Rate and Chris specifically. Thank you from my entire family!!

Roxann K. - Valparais, IN | OCT 2016

I literally had to do nothing but provide information and the rest was handled for me. Easiest mortgage ever!

Lillian M. - Howell, NJ | NOV 2016

During the loan process, the loan officer Chris Yang and the loan coordinator Theresa Bui were always prompt to reply, to explain and to return our calls. They guided us step by step through the process. They made it easy for us with their commitment, integrity and patience. Thank you for your hard work to close it on time as anticipated.

Han T. - Lake Forest, CA | NOV 2016

Great service from Chris and his team! The hardest process was scanning in all the documents, but then uploading them to the database created just for me was easy. Re financing is always a pain in the neck, but these guys made it easy, and we locked in a GREAT rate. Thanks!

John B. - Bristow, VA | NOV 2016

Service was excellent and the people were great!

Billy N. - Lake Elsinore, CA | DEC 2016

I was previously a VP for a major bank. I have been responsible and have worked closely with loan officers. I know the process from an institutional standpoint and without a doubt Guaranteed Rate has the best process and structure. Not only did I work with a dedicated loan consultant, but there were 2 additional persons for resource and help. Other places, only have one person of contact. Chris Yang, Stacy Chadwell and Theresa Bui were terrific, professional and helpful. I cannot stress how...

Claudia G. - San Gabriel, CA | JAN 2017

Our Guaranteed Rate Team was TOP NOTCH, Chris Yang, Victor Lee, Tim Moon, Jenny Kim and Alissa Guillen. At times things were stressful but we got it done and we could not have done it without our team. THANK YOU!!!

Donald A. - Red Feather Lakes, CO | JAN 2017

Chris is very passionate about his job, and takes the necessary time for you to understand the loan process. He is always there for your questions. A++++

Raul V. - Wilmington, CA | MAY 2016

Chris was extremely efficient with my time in putting together the refinance. Very professional in dealing with me. He is truly great at his job and an asset to your company.

Roger L. - Rancho Cucamonga, CA | MAY 2016

My Loan Officer Chris Yang and Therese Bui were the best from the beginning to the end of the process of getting me the best mortgage rate and getting my loan approved. They were always available to answer all my questions when I called and returning my calls in a timely manner. Guaranteed Rate has the best team of people working for them. I have already recommended Guaranteed Rate to my family and friends. Thank you Guaranteed Rate for making a stressful process easy.

Gladys W. - Woodbridge,VA | MAR 2016

"I was a bit nervous going into the process with so much taking place electronically. Chris Yang (loan officer) was fantastic answering all of my questions and walking me through the process. We started the process just before Thanksgiving and still went start to finish in about 4 weeks. If I ever consider refinancing again in the future, Guaranteed Rate will be the first company I call. Thanks for everything!"

Jeffrey B. - SEYMOUR, IN | Dec. 2015

My loan officer Chris Yang went above and beyond to help me understand my loan. More importantly he took time to explain every step and never rushed the process.

Joseph M. Thornton, CO | Feb. 2016

About Chris

Started in mortgage 12 years ago. Entered mortgage because I saw an opportunity to build a career and at the same time help people achieve their dream of homeownership or even obtain financial freedom. I attended Cal state Fullerton and majored in business finance management. I am happily married with 4 great kids. We reside in eastvale, ca. One of my favorite activities is playing golf. A favorite family past time is watching movies.


Chris interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
Been in mortgage for past 12 years. Started my career in banking and branched out to mortgage when I was given the opportunity. I've always been intrigued with business finance.
Who is your typical customer and what questions do they typically have?
My typical customer is a homeowner looking to lower their mortgage payment. Questions they usually ask are "what's the best rate out there?" "How much can I reduce my mortgage payment or reduce expenses?"
What specific steps do you use to help your customers find the best home loan for them?
Review their income and assets, confirm current housing expenses, do they have an idea of the approximate estimate of their property value.
How long have you been in the mortgage business? What awards have you won?
Been in mortgage for 12 years
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed rate benefits long term home ownership. ARM loans are beneficial for customers who foresee selling in the next few 5-7 years.
What can borrowers do to insure a smooth mortgage underwriting process?
Keep all income and asset documents together. Keep an open communication with your loan team.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy time with the family, golfing, fishing
Tell us something that makes you unique or something wacky, yet interesting about you?
Ive been told I always find a way to over come rejection and find solutions.

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