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!

We had such a wonderful experience working with the JJ Mack Team on the loan for our new home! As…read morefirst-time homebuyers, we were a little intimidated by the whole process at first. There were definitely a lot of questions and a lot to learn, but Lindsay and the entire team made us feel comfortable every step of the way. They were incredibly kind, patient, and always made sure our questions were answered. Thanks to their guidance and support, the process was so much smoother and honestly, much less stressful than we ever imagined! Buying our first home is such a huge milestone for us, and we're so grateful to the JJ Mack Team for helping us navigate it all and making the experience such a positive one. We highly recommend Lindsay and the JJ Mack Team to anyone looking for a knowledgeable, supportive, and truly wonderful team to help make their home-buying dreams a reality!

Excellent service! This team helped me in my first home purchase. They were very knowledgeable and…read moreexplained everything through the process. This group also uses digital signatures as much as possible to make the process seamless. Very pleased to have used this team!

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!!!!

Matt has assisted me and my family with multiple refinances over the years. Matt and his team make…read morea stressful process much easier!! Matt has a vast knowledge of the mortgage process, products and trends. Matt responded to all my questions in a timely matter and explained each step of the process. Matt helps you choose the right product for your situation. Matt is honest and makes his recommendations based on what is best for you! I have recommended Matt to many friends and suggest anyone looking to purchase or refinance to give him a call!

I found out about Matt on YouTube. His videos are informative and helped me a lot in the home…read morebuying process. When it was time for me to apply for a loan, I went to the site to fill out then application and I was impressed with how user friendly it was. All along the way of filling out the application I was given status updates. The process of getting approved was thorough but quick. I worked with a couple loan officers including Matt. All were friendly, responsive, knowledgeable, and took their time to answer any questions that I had. As a first time home buyer I had a lot! They provided detailed spreadsheets with different scenarios whenever needed. They even gave quick videos along with the spreadsheets to explain any changes. If you're looking for a home loan, definitely check with Matt and his team to see if they have a product for you.

I was referred to Kathleen by a friend and she was great to work with. What I liked was that she…read morewas responsive and very straight to the point. I had checked a few different mortgage companies for rates but she seemed to have the best interest rate and was the most easy to work. I had delayed refinancing my house because I didn't want to deal with the headache of all the paperwork. She made it as painless as possible and answered all my questions.

My realtor referred me to Kathleen and I was very well taken care of as a first time homebuyer…read more Like others were praising, she provides a very competitive package and is very transparent with the whole process. She's a powerhouse in her field and makes sure her clients are educated and informed on each step of the process. Kathleen works with integrity and has a keen sense of timelines and has great ambition in getting the job done well. Her availability and consistent communication gave me peace of mind for time sensitive processes and I have already recommended her to my friends in the area and will continue to do so proudly. Thank you Kathleen for all your hard work and making for a fast and smooth close! This oscar goes to you!

I had the pleasure of working with Mr. Paul Ueckert on a recent loan…read more Paul is knowledgeable, courteous and efficient. He puts great effort to keep a client well-apprised through every step of the loan process. Any potential borrower would be wise to choose Paul. I am certain he is an asset to his employer.

Loan Processing and Execution: Paul and his staff provided…read moreexceptional service. He was incredibly punctual and communicated every step of the process clearly. He always requested supporting documentation and promptly responded when he received it. With his guidance, the process was incredibly easy. I highly recommend this service.

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!

Ted Kappel Mortgage Group Highly recommended! So glad we…read morefound this firm since our original lender was no longer available we even reached out to credit unions who never bothered to respond I knew it would be hard to find another lender that we used to rely on and someone who would take the time to answer all our questions with honesty and be trustworthy after reading all the reviews for Ted Kappel we decided to give his firm a try we met him on a Saturday morning and right away felt very comfortable speaking with him he made it about you and your needs I do have to say there was a little bump in signing the paperwork but overall everything else went smoothly in going back and forth with all the questions we had and didn't feel as we were bothering him any calls we made he or his lovely assistant Lindsey got back to us right away.

I am grateful to have met Aaron at Cali Mortgage and his team for my first time home ownership…read moreprocess. And recommend Aaron to anyone who is interested in home ownership. I moved into my very own condo February 2017! And I thought it would never happen. If you are interested in purchasing a home Aaron is the one to contact. He is a true professional in my opinion.

From the owner: No. 1 Mortgage Broker in Sacramento with he lowest rates in CA but it’s our service that really…read moreseparates us from our competitors. We also offer a wide variety of products like DSCR, equity line of credit, a low interest rate 20 year fixed to name a few. Our experienced team can handle all types of purchase loans such as FHA, VA, JUMBO and 1% down purchase.

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.

I had an outstanding experience working with Ms. Hoekstra as my Loan Officer. She answered my…read morequestions quickly and clearly and kept me informed throughout the whole proces. Her attention to detail is unsurpassed. She made my loan process seamlessly stress free. I would recommend her highly.

Rebekah is incredibly knowledgeable, responsive, and detail oriented. She is an excellent mortgage…read morelender. I have worked with her in the past and refer her to friends, family, and clients without hesitation. Whenever I have questions about any stage in the real estate lending process, she is my first call. Highly recommend!