Your Trusted Advisors

Our team is built on trust, experience, and integrity. We are relentless, passionate and creative. We love what we do. Take a minute to get to know us. We promise, its worth it.

Hello, I am Duc Pham !

Duc founded Wonder Rates in 2016. However, the company only experienced breakthrough growth from 2021 onwards – when Duc dedicated 100% of his time to home loans. Right from the name, Duc wanted to emphasize that his business provides services with “wonderful rates,” among the lowest in the market. Duc’s criteria for selecting teammates are a love for the work, enthusiasm, and dedication to the job. Many people ask me: with low interest rates and high employee salaries, where does the profit come from? My answer is a win-win mindset, where everyone wins. Low interest rates make it easier for people to buy homes, and high salaries attract talented individuals.

Thanks to that mindset, Wonder Rates quickly gained a large customer base, and the rate of repeat customers or referrals is also high. After a year of focusing on Wonder Rates, in 2021, Duc was ranked 15th in the Scotsman Guide’s Top 100 Mortgage Brokers in the United States, with a transaction volume of over $277 million USD. In 2022, Duc achieved 5th place with $380 million USD, and in 2023, Duc ranked 9th with $214 million USD.

Duc Pham’s Team

Duc Pham

CEO

Stanford fintech entrepreneur hooked on mortgage and real estate. (NMLS#844897)

Hong Pham

Loan Director

A master going extra miles to optimize mortgage solutions and real estate needs (NMLS#2049762, DRE#2216970)

Minh Thanh Tran

Realtor

Long Lai

Realtor

Tech and Real Estate enthusiast (DRE#2180065)

Nga Nguyen

Realtor

At Wonder Rates, we work together to achieve your goals! (DRE#2214200)

Hieu Nguyen

Realtor

Tech and Real Estate enthusiast (DRE#2229135)

Son Tran

CTO

The tangible perfection is constantly striving for perfection.

Darren Tran

Pipeline Manager

Experience creator obsessed with everything great deal.

Our Achievements

Before and After Our 9th Project

Before and After Our 1st Project

Before and After Our 2nd Project

Before and After Our 3rd Project

Before and After Our 4th Project

Before and After Our 5th Project

Before & “No” After Our 6th Project

Before and After Our 7th Project

Before and After Our 8th Project

Before and After Our 9th Project

Our Reviews

Thanks to Rosie and her team for helping my family finally able to got the key for our dream Home. Despite her busy schedule, she always responds to all my questions and concerns from a first home buyer like me. Her team also plays a big role on helping me on paperwork and making it so smooth. My case was a bit special because there are so many things could prevent us from getting the house, but Rosie and her team were able to work it all out. Big thanks to all you guys.

I worked with Mrs. Roise and team for refinance my house. They help me all the documents and find out the best rate even make me more surprised than I expected. I can more believable even this is the first time I refinance because of Mrs. Roise and team. Even now on and future when I have any issue for the loan, refinance , or purchasing house, Mrs. Roise and team ( Wonder Rate company ) are the first address I will work with in my mind

I am so grateful for Rosie and her team! This is such a robust team. Team Rosie is so professional and really makes the client feel at ease despite any challenge during the process. Rosie is very understanding about her client situation and respect clients' confidentiality. She focuses on getting things done in the most efficient way. She and her assistant Ben are very knowledgeable, hardworking, responsive and extremely helpful.

I Highly recommend Mrs. Rosie and her team. we approached Rosie in last minute after changing from our previous lender ( as their rates/closing cost were high ) , she understood our situation and ensured the deal was closed within 10 business days with better rate and low closing cost. it was awesome !!! and also she has lot of patience and really appreciate her help.

Rosie is an extremely professional, helpful, and talented lender. As a first time buyer, she was very transparent about the entire process and made sure everything was handled smoothly. She was always readily available whenever I had any issues and very patient in answering my questions. I found her rate and additional credits far exceeded other lenders. I would most definitely recommend her services to my friends, family, and colleagues. She went above and beyond all expectations I had!

I have searched for buying my first house since September last year and started to work with Rosie team in January 2021. It's my pleasure to work with them as the real estate market was really hot and they had helped me to seal the deal after a few attempts. The communication was great as I could talk to them anytime day and night even on the weekends. Rosie also educated me during the purchasing process and it's really helpful as I know what I'm doing.

Duc and his team has been the goto for us. We've refinanced or purchased several properties using his services. Him and his team are very knowledgeable and have provided us some of the best rates. We did two refis on our primary to cash out and then to get a lower rate by doing a simply refi. It has been a very good experience over all. I highly recommend.