Testimonials - Steve Tsvetkov - Mortgage Consultant | Bay Area, CA



San Francisco

1501 N Broadway, #201
Walnut Creek, CA 94596
(925) 488-9550


“We used Steve for our initial mortgage (first time home owners!) and refinancing needs over the years. He’s been great to work with – very responsive and professional. He was very clear in his explanations, and guided us in making a decision that was most advantageous for us financially given our unique situation.”


“Steve is an amazing ally in the tough, Bay Area real estate market. He helped me and my investing partner acquire a property in one offer. His timeliness in running calculations for different mortgage options positioned us to quickly adjust our offer during the negotiation process and beat out cash buyers!”


“Steve helped us buy our house when the market was on high demand and he was very responsive and cooperative. He responded quickly and made sure the buying process, was very smooth. We would highly recommend him and will definitely use his services next time we need it.”

“As a mortgage consultant with years of experience in the Bay Area, I know how stressful (and exciting!) it can be to buy a new home. That’s why I’m committed to providing my clients with the highest quality service where they can feel comfortable knowing I’m just a text or a phone call away. I am with you from start to finish to answer all of your questions and guide you in the right direction, so that every step is transparent, and you’re left with the best deal possible.

– Steve Tsvetkov

Mortgage Broker
Founder of AUE Lending


Steve did an great job in helping me re-financed my house. WE strategized in finding the right loan for my needs which took some time; was not easy. He made the process seems to go like clockwork with the information provided. He was even accessible while being outside of the country when I had some last minute questions. Would go back to him if I ever needed another mortgage.

Cuong Nguyen


Steve is awesome! He helped us get our initial loan for our first house, and he made the process smooth and simple. He explained everything, and he made sure we felt comfortable at every step. He also reached out periodically as the interest rates dropped precipitously last year and helped us refi and saved us a ton of money on our monthly payments. He's extremely diligent, friendly, and trustworthy. We will use him forever!

Zack Abbott


Highly recommended. We worked with Steve in August 2021 when applying for our first time mortgage. We had absolutely no experience in this. Steve was very supportive and responsive, explained us all the detail of the process, always answered all our questions and made the overall process smooth and comfortable for us.

Valentin Kouznetsov


I am a Real Estate Broker and have been working with Steve for about 10 years. He has done loans for lots of my clients as well as myself. He always speaks the truth. If there's a chance for my buyers to get a better rate with a different lender - he will tell them. I highly recommend Steve to anyone who is looking to buy a home or refinance.

Kate Fomina


Steve was really easy to work with and responsive. For a first time homebuyer, it was really helpful to have someone who could answer all the basic questions and point me to the right resources, including getting a Cantonese speaking Escrow officer for my grandparents. I am really happy to have connected with Steve and get my mortgage through his company.

Fei Mok


Steve helped me to refinance my home mortgage in the middle of a pandemic at a tough time when everyone was trying to get a low rate, but lenders just started to raise them. Also my case was complicated by other circumstances and Steve was able to navigate through all obstacles. With patience and an extensive search, he found the right bank and gave us a great deal.

Irina Rosenfeld


Steve has top rate knowledge of the lending industry. He managed my refi without a hitch, and I always knew what to expect throughout the process. He took the time to explain the process, timeline, and answer all of my questions. He gave me the numbers on day one, and we closed without any surprises. I'm glad to have an expert like Steve to rely on for my mortgage needs and to confidently refer to my network.

Carolina Altamirano


Our realtor suggested Steve because another of his client recently closed escrow with Steve’s help. We were amazed with how efficient Steve was in finding us a lender that had fewer requirements than the banks. Throughout the process Steve was very informative and responsive. We were able to reach him at almost any time or day, and he was pleasant to talk to. That really gave us a sense of assurance.

Amity Li