This is hands down the easiest and best process I have ever been through. Lindsey was amazing with…read moreeverything, she goes above and beyond. I have a very complicated finical situation with multiple businesses and they took care of it in no time. Best process hands down! If i ever move again we will be using you!! Thank you!!!

JJ Mack and his team were excellent to work with. JJ took the time to educate us throughout the…read morewhole process. Time was of the essence, and even when most thought it couldn't be done, JJ and his team got us through escrow without any hiccups. Very upfront and honest with no surprises at signing. We would recommend JJ to anyone. 5 stars!! Thank you JJ Mack and team.

We just used Vision Mortgage on our home purchase in Pollock Pines. Wow, these guys are excellent…read more We had a complicated situation and they walked us through everything to accomplish a 14-day close. Staff was amazing and responsive. We were able to get pre-approved the same day. As we were paying off some debts, they were requesting for rapid rescores to lock in the best rates. They really fought for us. 5 stars all the way here.

I signed my final documents for my home today. It was a long 6 months of highs and lows. I want to…read moregive a shout out to Amy and Karen. They went hard in the paint for me! When I thought all was lost and wanted to throw in the towel, Amy was there with positivity and patience. Karen ran numbers like a champion, and it came out alright in the end. Along with my realtor, these ladies made my dream come true. I cannot sing their praises enough. If you want fighters on your side choose Vision Mortgage, and ask for the dynamic duo of Amy Quijada and Karen Ramos.

We had a friend recommend Sheldon when we were considering buying our first home. We know nothing…read moreabout the home buying process other than being told how stressful the entire process can be by friends and family. Sheldon explained everything in detail and went over numbers with me so we could understand what we were looking at. When the interest rates changed, he again reached out to go over how it would affect our payments and what our options are. We found a home not long after beginning the process with Sheldon and had our offer accepted 10 days ago. We will be signing at the title company tomorrow; I cannot believe this has happened so fast! The entire process has been incredibly easy, it has surprised my friends and family as this was not their own experience buying a home. Lisa, the loan processor has communicated everything along the way, keeping us updated as things progressed. I really did not think the home buying process would go this smoothly or stress free for us. We will be recommending Sheldon & Lisa to our family and friends and wouldn't go to anyone else in the future.

El Sheldon helped me get a great interest rate with this silly market. I got %4.5 VA on my wife and…read moremy dream house. He is always there to answer questions (no matter how trivial) and really breaks down each cost analysis, easy for soccer moms and dads to understand! Everyone situation is different for reasons to buy a house, in our case, we sold the old one and upgraded to a much nicer one. We doubled our mortgage, but doubled our house.

Ryan Wagner was fantastic to work with for both our original mortgage and later refinance. He made…read morethe entire home buying process smooth, fast, and easy. Ryan has a deep understanding of the interest rate market and took the time to clearly explain the numbers and options so my wife and I could easily understand everything. One thing that really stood out was how well he worked with our real estate agent. Ryan helped us structure a strong offer while competing against 16 other buyers, and he was instrumental in helping us close on our first home in just 16 days. The underwriting process was surprisingly simple compared to the horror stories we heard from friends and family working with other lenders. When it came time to refinance, Ryan made that process just as seamless and was able to lower our monthly mortgage payment. He truly makes the lending process straightforward and stress-free. Highly recommend working with him.

My wife and I were looking to sell our home and purchase a new one at the same time, which can be a…read morestressful process. We were referred to Ryan, and from our very first conversation we knew we were in good hands. Ryan was professional, responsive, and extremely knowledgeable. He took the time to walk us through every step of the lending process, answered all of our questions clearly, and made sure we understood our options. There were no surprises and no confusion. Everything was laid out upfront. What really stood out was his communication. He kept us informed throughout the entire transaction and moved quickly whenever something needed attention. In a competitive market, that kind of responsiveness makes a big difference. Our loan closed on time, exactly as promised. Ryan made what could have been a complicated and overwhelming experience feel smooth and manageable. If you are buying, selling, or refinancing, I highly recommend Ryan with United Wholesale. He operates with integrity, professionalism, and a high level of expertise. We are grateful we had him on our side.

Thank you Steve Cockerell for helping Gary and Mimi buy their Home Sweet Home in the pines! Thank…read moreyou for helping them overcome obstacles and making their dreams come true. With much appreciation, Sally Long Johns, Realtor Coldwell Banker 111 Main Street Placerville CA 95667 530-306-0821

They sure acted professional. But the way they conducted business was quite contrary. They took…read moreme on a long journey that lasted about a week. After giving all my life information, they somehow lost all my paperwork. Apparently this was no there first time. But they needed to start at the beginning again. They were sorry but "Damage Done" I couldn't do it. Thanks anyways Jaime Baer. I left and found someone else really helpful at a different local agency. I don't regret my decision to change agencies.

Brad was not my loan officer. But after my loan officer moved away from the company Brad was the…read moreprofessional I needed. He reached out to me when our insurance carrier left California. He wanted to make sure I did not have my insurance lapse. He did this as a professional in the mortgage business. It is Brad that made sure my insurance was received by the lender. He didn't have to do any of this. Brad then followed up about my veteran tax exemption. Again he didn't have to do this. He is just a professional. Since then he has allowed me to submit other questions. He is an absolute professional. This is a value you can't put in a loan document. This is saving me money. You don't want the value lender. You want the professional. Reach out to Brad L'Engle and his team. You won't be disappointed.

Brad and his team (Whitney and David) at Guild were the best to work with on securing a loan for…read moreour new home--both in professionalism and kindness. In the beginning, I appreciated that they provided multiple scenarios and options for our loan to understand what changes we could make to the downpayment, impact on monthly payment, etc. That transparency and clarity won me over initially. We actually ended up going through the process twice with Brad as we backed out of our first home after inspection. The entire time, they were patient and also helped us to move quickly. This is a team that prioritizes customer service and it shows. Thank you all at Guild!

Amber at Envoy is absolutely the best, especially for Veterans! In this crazy market she got our…read moreVA loan approved and closed in under 30 days, even with zero down. She has assisted us in the past for refinancing and she can anticipate and help clear any issues before they are a problem. Great communication every step of the way!

Amber was great! Very helpful and responsive. I had a bit of an unconventional refi and she was…read moreable to answer all my questions and provide options. I will be recommending Amber to my friends and family and will use her service again if I need another mortgage loan.

Jeanine is quick, responsive, and very detailed throughout the process of our refi. I highly…read morerecommend her to anyone else that is looking to do the same!

First time home buyer and Jeanine took care of us like family. She took calls and responded to…read moretexts at any time of the day. She was able to answer my questions in terms that I would understand. From the start she knew our concerns and worked around it such as hard and soft credit checks. She was amazing to have on our side because once we started putting in offers, she was able to accomodate any timeline our realtor put to have a competitive edge. Besides her website providing notifications and reminders, she personally texted to remind us what documents were pending. She was able to get us a good interest rate and really broke down the differences in how much we put down and how that would affect the interest rates. She even broke down future recasts and how that would lower our montly payments. I'm glad to say she'll be my broker for life or until she retires. Can't wait for her call to say lets refinance when the interest rates lower.

I come from a mortgage underwriting background. I had a very complicated application (which…read moreincluded a $3000+ mortgage payment that I was not responsible for and could easily prove but was counted in my debt to income ratio anyway). Leo got me approved when I couldn't at other places. In all my experience (both at the bank and as a consumer), I've never come across someone who understood (or was willing to understand) the nuances of an "outside the box" borrower. Recently I decided to look into refinancing and am so loyal to Leo that I spent a bit of time to track him down since he moved companies. Even in my current situation, there are a number of ways to slice my request and he was excellent and going through each and pointing out the pros/cons even when it meant possibly losing my business to achieve the goal that is best for me. Thank you Leo!!

Leo has made homebuying an easy process. He is so knowledgeable and has an answer to any question…read moreyou have. Land Home was awesome as well they sent us a gift basket with movie vouchers and popcorn during escrow for a date night and a cute coffee mug when we first got into escrow. Leo was there when we signed our papers which was awesome because were first time homebuyers and it was good to know we had someone on her side looking out for our best interest. We were even able to offer a shorter escrow time because they were so on it with our paperwork and getting us through underwriting before we even found our house, which was imperative in this crazy market! If you want someone who's been in the industry a long time and is absolutely wonderful and competent choose Leo!