(Disclaimer: this review is only partially about Jimmy Kang, the rest is aimed at Wells Fargo Home Mortgage and their way of handling loan reviews.)
Before signing the contract, which required closing escrow within 30 days sharp before the end of the year to avoid a penalty, I had checked with Jimmy whether they would be able to do so. I got reassured they would. And they did, but barely, and it was a nightmare for it to happen with a huge 3% penalty hanging over our head if they wouldn't. I have only so much visibility into what went wrong, but from what I can tell, some of the internally required processes did not progress and Jimmy and his team did not follow up on these requirements as needed. Furthermore, and this seems to be an issue with Wells Fargo Home Mortgage (different from Private Mortgage Banking), the setup with very many departmentalized requirements was a huge pain. We were, e.g., not even allowed to talk to the underwriters, who kept coming back with new conditions and requirements that Jimmy had not anticipated. This made it very difficult and time consuming to keep things moving forward. I wouldn't recommend this. I understand that since 2008 there is a lot more scrutiny being put on loan reviews, but this was just outright ridiculous. On the last day, for instance, we lost a couple of hours, because someone had discovered that a wiring fee for part of the down payment was not documented anywhere. $39! Because of $39 unaccounted for dollars we were running the risk of not closing on time and incurring a huge penalty (3% of purchase price). I was going mad. This part wasn't Jimmy's fault, and in his defense, his team did everything they could to make up for the earlier lapse, worked long hours, and apparently escalated the matter internally very far, in order to still meet the deadline. Of course, one might say that in the end it only mattered that they did meet the deadline -- even if just by a matter of minutes. But would I risk it again? Of course not.
A minor caveat at the beginning: I was first quoted the wrong interest rate, and had to educate Jimmy on the right place on their web site to get the latest rate for new purchases (rather than the refinancing rate he had quoted me).