Esther & Ruby Chien

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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 combination 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!

In case you missed my video: The appraisal process is getting one of its biggest updates in decades — and Realtors, buye...
10/06/2026

In case you missed my video:

The appraisal process is getting one of its biggest updates in decades — and Realtors, buyers, and sellers should be prepared.

Swipe through for a quick breakdown of what’s changing, when it’s happening, and what you need to know before your next transaction.

10/01/2026

Realtors, homebuyers, and anyone planning to buy or sell a home — this update is for you!

Big changes are coming to the appraisal process, and they could impact appraisal costs, turnaround times, and even your closing timeline.

Watch this quick video to learn what’s changing, when it takes effect, and what you should know before your next transaction.

[email protected]
NMLS #1137810

09/25/2026

Mortgage rates just took a sharp turn higher this week, but the reason might not be what you think.

Several things happened almost at once—and together, they sent rates moving quickly. 👀

Things loan officers do when rates skyrocket 🚀 - try our hand at making snow skin mooncakes!!! 🥮
09/23/2026

Things loan officers do when rates skyrocket 🚀 - try our hand at making snow skin mooncakes!!! 🥮

Some homebuying journeys take a little longer than others — but moments like this make the wait worth it. Thank you for ...
09/15/2026

Some homebuying journeys take a little longer than others — but moments like this make the wait worth it.

Thank you for trusting us throughout the entire journey and for taking the time to leave such an amazing review. We’re so grateful we could stick with you from that very first preapproval all the way to finally getting the keys!

[email protected]
NMLS #1137810

Could the Fed actually be hitting pause on rates?Fed Governor Christopher Waller says inflation is finally showing some ...
09/09/2026

Could the Fed actually be hitting pause on rates?

Fed Governor Christopher Waller says inflation is finally showing some encouraging signs. But what could this mean for mortgage rates and the housing market? Find out in this month's Market in a Minute! — the next few weeks could get interesting!

[email protected]
NMLS #1137810

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

Address

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

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