Just great rates, service, and understanding with skip a pay available when needed. Payment slips…read moreare always sent to send payments in.

I had four days in a row when I signed in to check my account before 0530 and got right in. If…read moreToday was going to work, I was going to update my review and give them kudos for fixing whatever the hell is going on with their website. HOWEVER, cannot get in today. This is ridiculous. They should be ashamed of their inability to be consistent if they want people to do online or electronic banking. I can never get the CALL 24/7 to work right this morning I got this same notification. This is ridiculous

Tania was excellent at communicating with me on my options concerning my loan. Abraham was out…read moresick or something and Tania picked up the ball. She told me she would take care of everything. Keep her on the payroll. Good job Valley First!!!

I have been lost in their phone tree for three and a half hours now and no hope in sight. Their…read morephone tree has hung up on my husband and I a total of five times this morning. We did get through to one person who claimed she couldn't hear us so she hung up and did not bother calling back. Their customer service is appalling. we have been customers for over thirty years and are now contemplating moving our accounts to a credit union that is more customer service friendly.

Brenda Perry was very helpful in helping us navigate the process from beginning to end. We are very…read morepleased we were assigned with her to be able to make our purchase smoothly and pleasant. Thank you Brenda and team!

I worked with Chris Salas, and I have only great things to say. Chris was genuine, knowledgeable,…read moreand highly responsive. He helped me maneuver through not only the loan process, but got me up to speed from the get-go. He acts as your partner through the mortgage process, no talking down, no pressures. I'm very appreciative for his patience, accessibility, and straightforwardness. I'll be happy to come back to Chris for my next mortgage and recommend him to my friends. A breath of fresh air.

I would not recommend Sonia Gutierrez unless you want your process dragged out. As a Lender you…read moreknow ALL the paperwork that you need to get the ball rolling. I am a first time buyer so I had no idea what she needed but she should have asked me the proper questions so she can do her job efficiently. I even asked her " Is that all you need?" Her response would be 'yes, that's it." Then days later ask for more. She did that for 2 whole weeks. And on top of that she was very hard to get ahold of. Oh, and after everything was said and done, she still didn't even submit what I gave her. She made my house buying experience terrible.

From the owner: At AFN - Almond Valley, we are more than just a lending institution - we are partners in your…read morejourney to homeownership. With integrity as our compass, hard work as our driving force, and industry excellence as our hallmark, we are dedicated to helping you achieve your homeownership dreams.

Aaron was awesome and made the whole process of funding our home loan so easy! Highly recommended!read more

From start-to-finish Aaron and his team were readily available, easy to contact and get ahold of,…read moreand incredibly patient and thorough in answering questions and alleviating concerns or stress. As a first time homebuyer, and after having briefly worked with two prior lenders, the service I received from Scenic Oaks Funding exceeded my expectations! Thank you so much, Aaron!

Bill is awesome and super efficient at what he does. He made our dreams come true and he did that…read morein less than 30 days! I highly recommend him to anyone who is looking for a knowledgeable, efficient and trustworthy person to help them with one of the most important decisions in their life! Becoming a homeowner or with any lending service need. HUGE THANK YOU from my Ralph and I! You and Isabel were great to work with. :)

I've been selling Real Estate for almost 20 years, my biggest complaint has been regarding lenders…read moreand I've worked with many lenders.. Bill Johal is the Best Lender I've worked with. He does what he says he'll do. If the contract says 30 days it's closed in 30 days or sooner. I started working with Bill about 5 years ago. He has never closed a purchase of a home with our clients late. Clients love his easy going personality and his vast knowledge of the lending business. If you want the best in the mortgage lending biz give Bill a call. Bill always takes great care of his clients and the realtors he works with ....

I wish I could give this credit union zero stars as it was not available. You can't get through a…read morelive person on their phone system, they do not follow up with errors they have made and cause me to go in person to try to have them correct their errors on my loan statement they have made and then promise to correct their incorrect postings but never do. Run from them, do not walk.

I've been with Valley First Credit Union (formerly Stanislaus County Credit Union) for 30 years…read more They've always released funds the day before, and it shows as pending a day earlier. But on the 1st of this month, they decided to hold it until the 2nd. Sure, it's their right, but it's also outright wrong. My usual payments that have been on autopilot for years were rejected as NSF because my deposit was just sitting there, pending. This change was made without any warning. **DO NOT OPEN AN ACCOUNT with this institution!** It's the worst bank by far. I'm in the process of moving all my accounts away from them. THEIR CUSTOMER SERVICE IS A NIGHTMARE!!

I recently purchase a home with the help of Melanie Carter at Opes Advisors. She was so helpful…read moreand knowledgeable. This a lady who GETS IT DONE! My situation had a "few wrinkles" and Melanie was up front about what it would take and when she said she could make it happen - she did. She always got back to me with a timely response - even on the weekend! It was so refreshing to get personalized service and not feel like a file number. Excellent service!

Melanie Carter and Melissa Palmer are by far the most knowledgeable individuals I have met in the…read moremortgage industry. Financing our home was about as smooth and seamless as possible with their help. They were always a step ahead of everything and got our loan closed way ahead of schedule. Those girls rock!