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.

I just did a refi with Jason during unprecedented (daily) changes to the market (covid19). Those…read morenew changes added a substantial amount of new work and obstacles to the process, including additional costs, time, etc, however Jason handled it with total professionalism the entire time. Whenever I emailed him with a question (which was a lot), he always either responded to the email within minutes, or called me back right away. With a different mortgage company a few years ago, I often had issues with getting a response (especially to the "dumb questions"), however I didn't have that issue with Jason. His responses were always quick & clear, which was really helpful since it was my first refi. Thanks again for going above and beyond in securing the best rate possible during such a difficult, stressful time. I will be recommending Jason to others.

We just closed on a house and went with Jason as a lender. He and his team have been a pleasure to…read morework with from day 1. Easy to get ahold of, clear with every step of the process, and always there for us. That's a really big deal as first-time home buyers! They were also able to close very quickly for us, which made all the difference in winning our offer. We live in Ventura County and were able to do everything remotely with them. Thanks Jason!

Unfortunately the only positive experience that I had with Vitek was that the staff was extremely…read morefriendly. Reading all of the positive reviews, I called Vitek and made an appointment to see a member of their staff. Although I lived in San Jose, I was interested in purchasing a home in Sacramento, so I drove all the way up from San Jose for my initial appointment to see if I would qualify for a home loan. I had some past credit challenges which I was very forthcoming and upfront about during my initial consultation with Vitek. I was told that I was pre-APPROVED for a home loan and was asked for preliminary paperwork. I was even told that I would qualify for a down-payment assistance grant, which I was excited about since I had very little upfront money available to me. After an exhausting search for the right home, I found a home and decided to place an offer, which was accepted. I worked out an arrangement to rent back the home until escrow closed which was to be 30 days later. During the underwriting review, a couple of issues came up that caught everyone off guard. And while they were unforeseen and certainly unique in nature, they definitely were not impossible to overcome. Vitek made some effort to get them resolved, but fast forward two months and days before the extension for escrow was to expire, I was told that my loan was denied and Vitek dropped me like a bad habit, left to sink or swim on my own. So now that I've spent a significant amount of money moving from San Jose to Sacramento, put up Ernst money as well as other new home related expenses, I find myself in a situation whereas I stand to have just thrown a whole lot of money out the window and left to save myself. Thanks Vitek. Thank goodness I don't give up very easily. So I find another lender that is happy to do whatever it takes to get my loan through underwriting. But now I find out that I do not qualify for that too good to be true Down Payment Assistance Grant that Vitek lured me in with and is what I based my decision on to even proceed with buying a home. So now I have to decide to either pack up and move into an apartment and lose my Ernst money as well as all of the other money I put into this move, or roll the dice and see what happens. Again, I don't give up easily and I roll the dice and I am now a home owner. Not before having to come up with about another $10K however. Why were the other guys who are much smaller than Vitek able to get this deal done? Underwriting was much more brutal and unforgiving with the other guys than with Vitek, and it the other guys had to put a lot of effort and work into closing this deal. But the point is, it clearly was not impossible. When the going got tough, Vitek got going and left me alone and stranded and someone willing to put in the work and effort came along and proved that Vitek clearly was not interested in doing so. I made financial decisions based upon information that Vitek provided me, and the information that I was provided proved to be at best, unreliable which put me in a very difficult situation. Again, the staff at Vitek were extremely friendly, but friendly just didn't cut it and I am extremely disappointed that Vitek is okay with leading down an unfamiliar road, only to take off leaving me stranded and alone to fend for myself. If the other guys were able to get it done, you should have been able to as well. You failed not only me, but yourselves as well. The upside to all of this is that the other guys were able to get me financed for a full percentage point less than you.

This review is specifically for Randy Randazzo, a Vitek loan officer. Randy took the time to sit…read moredown with me and explain everything associated with obtaining our home loan. He was patient, kind, knowledgeable and easy to get along with. For the next five months, every time I needed a closing cost/payment estimate for a home we considered, Randy emailed it to me within the hour. Every time I needed an approval letter to submit with an offer, I had it instantly. Here is the kicker. Today, I wrote an offer on THE house. Trouble is, the seller is unfairly requiring I use a lender other than Vitek. Randy was gracious and professional in bowing down. He truly wants me to find the right house over closing the loan. It is this type of customer service and dedication to the profession that all loan officers should share. I HIGHLY recommend Randy and only hope that others will use him again and again in the future.

Madison is great! She responds quickly, is available when needed and knowledgeable about the…read moremarket. I would highly recommend her to my friends and family!

Madison is the absolute best! She is my go to referral for…read moreall my real estate clients. I trust her with every single one of my clients and enjoy working with her. I know that with Madison I can make a competitive offer and we will stay on our time line with a smooth transaction. She is fast, knowledgeable, and professional. If you are looking for a home loan yourself or are a realtor looking for an amazing partner lender Madi is your girl!!!!

I've used West Coast Mortgage Group a couple of times in the past to refinance, and they've always…read moretaken great care of me. I have to say, using them for the loan on our new place has been clutch! Rob and his team are true experts and incredibly easy to work with. They're highly consultative throughout the entire process, always quick to answer my questions, clearly lay out all the options, and provide thoughtful guidance every step of the way. I always felt informed, which made a huge difference. I'd recommend West Coast Mortgage to any of my friends or family. Thanks again for such a smooth experience!

Just secured a mortgage with WCMG! Its the second time I've used them, the first time being a refi…read more Each time the process moved at lightning speed and I got the very best rate available to me! They are very thorough in their explanation of the options for financing and their expert support team is prompt, courteous and professional. Highly recommended!

Ted and his team made my original home loan and a recent refinance a breeze. Clear information,…read morequick responses, and reliable throughout the process. I was signing the paperwork remotely due to travel and COVID; the Kappel's were right there on the phone to answer questions. Btw - great rates!

I discovered Ted through Yelp, and my experience turned out to be exceptional. With countless…read moremortgage companies to choose from, I decided to work with Ted because of his honesty and transparency. His entire team kept me informed throughout the process, ensuring a smooth closing within the promised time frame. I highly recommend KMG--you won't be disappointed!

Working with KYLE was an amazing experience from start to finish. Even as a second-time homebuyer,…read moreI know how stressful the process can be, but Kyle made everything feel smooth and manageable. He was extremely responsive, knowledgeable, and always took the time to explain things clearly so I felt confident every step of the way. Kyle stayed on top of everything and made sure I knew exactly what was needed, which helped keep the process moving quickly and efficiently. I truly appreciated his professionalism, attention to detail, and how easy he was to communicate with. I'm so grateful for all of his hard work in helping us. I would highly recommend Kyle to anyone looking for a reliable and dedicated lender!

I cannot recommend Lavega Sims at Green Haven Capital enough for anyone navigating the home buying…read moreprocess. We have officially closed on our brand-new Beazer home, and we truly couldn't have done it without Lavega's incredible expertise and hustle. From day one, Lavega was a total game changer. In an industry where timing is everything, Lavega was consistently ahead of the curve. His advice was spot on and he has a deep understanding of the market and was able to provide clear, actionable guidance that gave us total confidence in our decisions. He didn't just meet our expectations he blew them out of the water! What impressed us most was his timing. In a fast moving market, Lavega was always two steps ahead, ensuring every single detail for our Beazer home loan was handled perfectly and on time. His energy, professionalism, and 'can do' attitude made what is usually a stressful process feel like a total breeze. What truly stood out was his commitment to being timely and responsive. He ensured every milestone was met without delay, keeping our Beazer Homes closing right on track. If you are looking for a professional who combines expertise with a proactive, client-focused approach, Lavega is the person you want in your corner. Thank you, Lavega, for making our dream home a reality!

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 couldn't be more grateful to have found Marlena and her team! I recently completed a cash out…read morerefinance with them, and they made the entire experience a breeze. From the very beginning I felt like Marlena was a true partner who had my back. She is beyond organized, an excellent communicator, and super efficient (seriously, the woman gets sh*t DONE!). Not once during the process did I feel out of the loop. Whenever I lacked understanding, she educated me in a way that was empowering so I could make decisions with full confidence. I absolutely recommend Marlena and the Olson Team! 10/10!

With the recent increases in rent (fun fact: Sacramento has the third-highest rent increase in the…read moreU.S.) paired with soaring home prices, my wife and I were stuck in a tough position. With the possibility of another recession approaching in the upcoming years, we could continue to rent and pray that home prices eventually decline. However, we literally felt like we were throwing money away as our apartment complex continued to increase rent in order to remain competitive with neighboring complexes. We decided to take a leap of faith and see what the housing market could offer us. Per recommendation by our Realtor Mrs. Courtney Ellison, we scheduled an appointment with Mortgage Loan Originator Mrs. Shannon Walton at VITEK Mortgage group. Leading up to our initial appointment with Shannon, Shannon sent us an email detailing all of the items that we would need for our pre-approval. When we arrived at the VITEK office, Shannon immediately welcomed us into her office. Before diving into the home loan process, Shannon inquired about the areas that we would prefer to live in, and our ideal mortgage payment. Next, she patiently walked us through the home loan process from beginning to end. After hearing the process and having all of our questions answered, we decided to move forward with the pre-approval. Once we received approval, Shannon began explaining the various loan options that we could opt for. She patiently played the "fun" numbers game that would eventually assist us in determining our monthly mortgage payment (home amount, down payment, loan longevity, interest rate). Shannon would eventually arrive at numbers that satisfied my wife and I. That evening we left Shannon's office confident that we would find a home that we could comfortably (keyword) afford. Once our amazing Realtor was able to assist us in finding our home, the loan process kicked into overdrive. From beginning to end, Shannon did a great job of communicating every intricate detail of the loan process (there were no "surprises" at the end of the process). Although we did not physically see Shannon until we had to meet in person for the loan signing, Shannon kept in touch with us via email and quickly responded to any questions that we had. Aside from her home loan expertise, Shannon was a pleasure to work with. She is very relatable, professional, understanding, and not once did we feel like we were under any pressure to conduct business with her. Most importantly, she alleviated the new homebuyer stress and anxiety that we were experiencing. We highly recommend Shannon for your home loan needs....thank you Shannon!

The process took longer than expected, but the end result was a loan with great terms. Thanks to…read moreRay, Tony, and Shannon in the Sacramento office for all the hard work!

Jason Mata and his team at American Pacific Mortgage, especially Cheyene DeWeese, made obtaining a…read moremortgage as simple and painless as it could possibly be. Jason made sure I had the right loan for my needs and was always available to give quick and intelligent answers to any questions I had. His patience and friendliness never faltered, even though some of my questions, in retrospect, were dumb. Jason is smart, dedicated, and genuinely kind, and it's hard to imagine a better guide through the process of financing a house.