About Us

Buying or refinancing a home can be a huge task. You can trust us to locate the loan program that's perfect for you. We have a team of mortgage experts to walk you through this major financial decision. For guidance in locating the appropriate loan program for you, you can rely on us.

Despite the fact that anxiety may accompany purchasing a home, you can also expect a great sense of accomplishment. You didn't look high and low for a house that was right for anyone else; you looked for the one that was best for you! Let our professionals help. Getting the perfect mortgage loan can be as satisfying as receiving the keys to your new home! We can show you how to get there.

About Refinancing

If you are worried that refinancing means filling out paperwork for endless hours, think again! Let us show you a frustration-free process from application to closing with our "less paperwork and more personal attention" guarantee. We can walk you through the process and make it anxiety-free to improve your interest rate and monthly payment. We can even help you pay down your balance more quickly for a comparable monthly payment. Let our professionals guide you to the very best refinance loan! We are eager to show you how.

The Loan Story's Service Pledge

We will treat you with the respect due an esteemed customer and give you the personal attention you deserve. We understand the big commitment you are making in purchasing a new home, refinancing a mortgage, or tapping into your home equity. So we make a commitment to you: we can help you qualify, apply and be approved for the best mortgage loan for you.

The Next Step

You'll find information on this website that will explain who we are, how we will help you, and how to get things going. Or, contact us to chat with one of our mortgage experts. We're ready to help.


Staff Profiles

Maria Chen

Maria Chen is the president of The Loan Story. She has over twenty 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 agent, finally ending up as one of the top consultants at Home Service Associates by 1988. Since then, she has done business by referrals only; to this day there is not a single loan default in her entire career. In 2005, when Home Service folded up, she founded The Loan Story with commitment to continue a brokerage that values integrity, quality, creativity and simplicity.

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 becomes the ultimate resource center for home owners. Real property, finance, family, investment, neighborhood, kids, education, arts… the list can go on and on. She maintains an excellent reputation among clients and lenders. That is why The Loan Story became a premier broker in the mortgage industry.

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

Office Phone: (408) 366-0311 x220 │ Fax: (408) 852-0228
E-mail: maria@theloanstory.com
CalBRE License: 00980024 │ NMLS: 320236

Albert Lee

Albert Lee joined the mortgage and financial industry in 1987 and received the Certified Financial Planner designation in 1993. As a thoughtful and knowledgeable planner, his practice is very different from a traditional loan officer. Not only does he conduct business by referrals only, he also offers a wide perspective in mortgage planning, estate planning and investment management for his clients.

A superb mortgage planner, he spend much time searching for unique products, planning and developing strategies to secure a better financial future for his clients. His vision is to approach every case with a comprehensive and long term plan.

Office Phone: (408) 366-0311 x888 │ Fax: (408) 366-0312
E-mail: albert@theloanstory.com
CalBRE License: 00807298 │ NMLS: 301557

Franny Yen

If you want to look for someone who is extremely patient and will take time to answer a million questions you might have, Franny Yen is the best person to attend to.

Being in the industry since 1997, Franny is described by her clients and colleagues as thorough, persistent, responsible, and hard working. Her strong sense about timeline has also earned a lot of trust from realtors.

Knowledge wise, Franny enjoys constantly learning from the best in the industry, and feeding herself through most up-to-date financial information. She will spend extra time to analyze and ensure the loan will meet the client’s needs. To her, business is building a network of high-quality referral partners to help clients. You will like working with Franny.

Office Phone: (408) 366-0311 x300 │ Fax: (408) 852-0228
E-mail: franny@theloanstory.com
CalBRE License: 01510328 │ NMLS: 280923

Michael Ryan

Mike Ryan's focus is healing the economy one person, one family and one property at a time. With 20 years experience, he negotiates the best option for you amongst our best lending partners. Mike does not only bring his clients answers, he brings them explanations. He presents alternatives and is always seeking what is in the best interest of his client.

Phone: (408) 986-1798 │ Fax: (408) 986-1766
E-mail: mike@michael-ryan.com
CalBRE License: 01090891 │ NMLS: 295351

Ruby Chien

Ruby Chien joined the real estate and mortgage industry in 1989. With 2 years of experience in real estate and 21 years of experience in mortgage lending, she has exceptional knowledge and skill in providing fantastic service and a smooth transaction. By maintaining constant open communication throughout the process, she keeps her clients well informed of the situation and answers all their questions with clarity and valuable industry insight. Her sincerity toward clients, dedication to work for their best interests, and ability to operate at a high level of efficiency has earned their trust for many years, which contributes to 90% of her business coming from clients’ referrals.

Phone: (510) 793-6430 │ Fax: (510) 225-1755
E-mail: ruby@theloanstory.com
CalBRE License: 01011340 │ NMLS: 294347

Sonia Huang

Sonia Huang has more than 10 years of experience in the mortgage industry. She started as loan processor and has extensive knowledge of loan programs (rates, terms, and conditions). Her goal is to provide clients a transparent timely lending process and to meet their financial goals.

She is also served as a board member on the California Association of Mortgage Professionals for Silicon Valley Chapter. This has helped her to gain first hand information in mortgage industry and understanding of all kinds of regulation changes. These invaluable experiences provided Sonia a foundation of leadership and team building which is essential to a successful loan closing!

Phone: (408) 209-0154 │ Fax: (408) 228-0688
E-mail: sonia@theloanstory.com
CalBRE License: 01522007 │ NMLS: 300894

Richard Wang

Richard joined The Loan Story in July 2013 after a 14-year run as Broker/Owner of Veridian (formerly Opus) Mortgage, a small family business based in Cupertino, California. After graduating with a B.A. in Economics from the University of California at Los Angeles, Richard passed the California State CPA Exam and immediately started selling loans door-to-door for Opus Mortgage – the company founded by his mother Sue Wang, a successful former real estate salesperson in the 1970's and early 1980's. Two years and a hundred loans later, Richard took "a CalBREak" by attending law and business schools at Santa Clara University earning his JD/MBA and subsequently being sworn into the California State Bar in 1999. He gained valuable experience as an attorney over the next few years working for an insurance litigation and then estate planning and administration firm before ultimately rejoining Opus permanently in 2002.

Richard is now a lifelong committed loan originator. Coupling his finance and legal background with his family-CalBREd work ethic and commitment to unparalleled customer service, it is difficult to find another equal. He currently serves on the Board of Directors for the Silicon Valley Chapter of the California Association of Mortgage Professionals and hopes to increase outreach into the mortgage broker community in light of the ongoing overhaul of the industry.

Last but not least, Richard volunteers time as President of Santa Clara Unified Parents, a non-profit 501(c)(3) organization to benefit parents of students in the Santa Clara Unified School District. Raised and schooled in Sunnyvale/Cupertino, Richard remains firmly anchored in the South Bay. He has been living in Santa Clara since 2004, together with his wife Vivien and daughter Madeline ("Maddie"). Richard is also an accomplished Triathlete and enjoys wine, golf (on some holes), and following the SF Giants.

Office Phone: (408) 366-0311x320 │ Fax: (408) 366-3330
E-mail: richard@theloanstory.com
CalBRE License: 01144748 │ NMLS: 334072