Esther & Ruby Chien

Esther & Ruby Chien Bay Area based mortgage loan officer, serving all of CA, TX, FL, OR

Ruby and Esther are mortgage consultants licensed to originate residential and commercial loans in all of California. With a combined experience of 24 years, they have closed more than 1,000 loans with zero defaults. They are part of a collaborative boutique mortgage firm at The Loan Story which offers 50+ lender resources and competitive pricing. Their goal is not only to deliver the best combina

tion of service and pricing, but also to form a life-long relationship as your mortgage advisor and confidant. If you are planning to make an important financial decision with regards to purchasing a home or refinancing, Ruby and Esther can offer you their valuable insight and guide you through the process smoothly...plus, all consultations are free!

Now that a peace deal has been signed, wondering how that's affected mortgage rates and the housing market?For a quick b...
07/08/2026

Now that a peace deal has been signed, wondering how that's affected mortgage rates and the housing market?

For a quick breakdown of the latest economic news, what it means for mortgage rates, and how it could impact you, find out in this month's Market in a Minute!

[email protected]
NMLS #1137810

06/26/2026

Most W-2 employees don't know this mortgage program exists.

If you've been putting off buying a home because you think qualifying will be complicated, you may want to watch this.

This little-known program could make the process much easier for eligible borrowers.

Check out the video to learn more.

05/28/2026

Feeling weighed down by high-interest debt? A HELOC could be a smart way to simplify payments, lower your interest costs, and create more financial breathing room.

[email protected]
NMLS #1137810

How has the market reacted with a peace deal in the Middle East possibly on the horizon? Find out in this month's Marke...
05/13/2026

How has the market reacted with a peace deal in the Middle East possibly on the horizon? Find out in this month's Market in a Minute -- via post instead of video this time!

[email protected]
NMLS #1137810

Helping you navigate your refinance and putting yourself in a stronger financial position is exactly why I love what I d...
04/22/2026

Helping you navigate your refinance and putting yourself in a stronger financial position is exactly why I love what I do. Thank you Della for trusting me with your loan and for the kind words—it truly means a lot.

[email protected]
NMLS #1137810

The biggest mistake homebuyers make? Looking at homes before getting preapproved. Why is this the very first step?TeamEs...
04/15/2026

The biggest mistake homebuyers make? Looking at homes before getting preapproved. Why is this the very first step?

[email protected]
NMLS #1137810

04/09/2026

We've all seen what's been happening with mortgage rates lately. But why? Since that questions been on everyone's mind, I recorded this short 2 min video to explain.

[email protected]
NMLS #1137810

04/06/2026

The conflict with Iran continues. What does this mean for mortgage rates and the housing market? It just takes 1 minute to find out the answer!

Most people don’t know one of the most powerful (and underused) programs out there for families helping family.If you th...
03/20/2026

Most people don’t know one of the most powerful (and underused) programs out there for families helping family.

If you think this might apply to you, let’s talk!

03/13/2026

With the war ongoing and jobs reports out last week, what impact has it had on the mortgage market? Only takes 1 minute to find out!

Address

4880 Stevens Creek Boulevard, Suite 200
Santa Clara, CA
95129

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