Thomas Chen

Relationship Loan Officer NMLS# 1238180

About Me

Thomas Chen

Hi, I’m Thomas Chen, a Relationship Loan Officer for our local branch in Hayward. I have over 15 years of experience in the lending industry and have closed more than 2,500 home loans with over $600 million in volume.

I treat every client the way I would like to be treated so you can count on me to be available at all times and answer or return every call promptly. The greatest reward for me is the ability to lower rates and monthly payments for my clients, putting them in a better financial situation.

We specialize in true No Closing Cost loan products here at Fremont Bank so you can count on us for exceptional rates and pricing, all without any out of pocket costs. Whether you are refinancing your existing mortgage, purchasing a new property or need a home equity line of credit, contact me!

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Home Loan Products

Find the loan that’s right for you

Is your first home on the horizon? Want to take advantage of low rates and refinance? We have many home loan options to choose from. Let us help you find the one that’s right for you.

Home Equity Line of Credit

Use the equity in your home to pay for major renovations, upgrades, repairs, school tuition, unplanned expenses, and more.

Refinance a mortgage

Refinance your current mortgage and find opportunities to lower your monthly payment, your interest rate, or take cash out.

Purchase a home

Put your dream of homeownership in motion with fixed and adjustable rate mortgages that fit your budget.