My wife and I had purchased and refinanced a couple of homes. This would be our third home…read morepurchase. We have good credit with good income, and are always quick to respond to what documents are needed, looking ahead in the process. Having compared the process with past lenders, I feel like Hano and the team could've done better in informing us ahead of what is still needed and avoid having us re-submit and re-explain things that was already done. Overall, we are still happy that Hano and his team was able to close the loan with the interest rate we've decided to lock. We would happily recommend him and his team.

We used Hano 5 years ago when we purchased our home and couldn't have imagined using anyone else…read morewhen we sold the home and recently Purchased a new one. He was easy to get a hold of And a great problem solver. Hano explained things when I was confused and was always patient with my million questions. I would highly recommend Hano and his team.

Dennis Ulrich and his team at imortgage in Turlock were wonderful to deal with! They kept us…read moreinformed of the status all the way through our transaction and into our new home. I highly recommend you contact Dennis for your home loan needs!

Mike Walker was an absolute machine from start to finish, he answered all my calls and any…read morequestions I had he knew them all. I was traveling on the east coast and he set up a remote signer for me and it was incredible, the notary was in Montana I was in New York and Mike was in California, thats called getting the job done, i will tell everyone about the service he provided and his willingess to go above and beyond for me.

Just worked with Peggi for the purchase of my first home! I was referred to her through my mother…read morein law whom she had helped in the past. She was absolutely amazing to work with, very responsive, knowledgeable and super sweet. Great at handling the issues that come up when buying a house and making the experience as stress free as possible. Thank you soo much, Peggi!

A very well informed and knowledgeable lender. She was able to get my wife and i our first home…read moretogether in a quick amount of time with the lowest APR we qualified for. The whole process went so fast after getting offer accepted by the seller. Any questions i had were answered, i was also given other useful information i had no idea of. She also made the process of getting the keyes to home very special and memorable for us with lots of pictures and videos and house warming gifts. Would recommend to any first time or experienced home buyer!

From the owner: At Valley Home Lending Inc., with over 20 years of expertise and a specialty in custom mortgage…read moresolutions, we turn home buying and mortgage challenges into seamless experiences. Our team is dedicated to finding the perfect loan option for you, ensuring a smooth journey to your dream home. Trust us to make your home financing straightforward and personalized.

Absolutely fantastic experience with Dennis at Cornerstone. He and his assistant Armando are very…read moreprofessional and respond to questions via phone calls and email quickly . They really go above and beyond on customer service. Dennis is so patient, kind and beyond knowledgeable. He went over buying down points and gave me a break down of what it would equate in dollars so I could make the best decision for my self. A much more personal experience than what you would get a large lending bank like Wells Fargo or B of A. Will definitely use him again in the future and will recommend him to anyone who is looking to buy a house or refinance their loan.

Maria Medina has taken care of my taxes for the past 5 years and is currently assisting me becoming…read morea home owner. My life has changed for the better due to her great service and support. Good people and amazing services. Will continue to be a loyal client and highly recommend others to experience her amazing professionalism and results.

The worst place to go for any credit repair programs. Super unprofessional!!! They will take your…read moremoney and not produce results. I hope nobody gets their money taken and treated the way I have been treated by this business. Go anywhere else! UPDATE to the comment Maria left: nobody wanted a quick fix. I knew the process. And I was NEVER refunded completely. That is a lie. I was refunded $89 for the second month. Not the down payment $250, not the credit monitoring program that I was charged twice... where are those reimbursement fees? And it wasn't 2.5 weeks later Maria. Get a grip on your lying... or be involved with your customers and their profiles. It was already two and a half months. AND as I re-call... you were good at texting but never making a phone call. And when the phone call came in... I got someone else who was NOT you. Be the "BOSS" and handle your dissatisfied customers. Anyone that would like proof of the money I sent them and what I was reimbursed I will gladly provide statements. And then text my conversations where I asked her numerous times to call me and she would not. Because in her words "nothing would get resolved." Instead of dealing with a dissatisfied customer first she had SOMEONE else call me the next day at 7pm. Which I can also provide proof. In summary, don't waste your time or money to have to go through all of this for a service any other company will be willing to do HAPPILY. Anyone can message me and I have actually found people who feel her office has just dropped the ball in aspects of their business services. I really wish someone would have warned me.

My wife and I looked for a home for over a year. Once we found one we liked, we realized we'd need…read morea lender ASAP since there were offers on the house. We went with our agents recommendation of First Cal, and we were off and running. Given this was our first time buying a home, I didn't realize the importance of your lender. If your loan goes smoothly, you might wonder why you have to pay these people all those fees at closing. However, sometimes paperwork and obtaining a loan isn't a walk in the park. That's when you really want a local lender who is going to take care of your needs. Also, having someone local is good because if you go with a place online, there might be time differences that make communication more difficult. Michael would tell you himself that our loan didn't breeze by his desk with no hiccups. In fact quite the opposite. However, the entire time I was grateful to a local lender who cared about our loan. I know for a fact Michael went well out of his way to make sure our loan was processed. It's likely your home loan will go super smooth. However, just in case it doesn't - I suggest going with First Cal because they will be there if you need them.

From the owner: First Cal Turlock is responsible for helping our California customers and business partners find…read morethe right loan and at the right terms. They stays current on a wide variety of mortgage programs, including FHA and VA programs, Fannie Mae conforming and HomePath loans, as well as jumbo loans. All Loan Advisors are dedicated to finding the very best loan for our borrowers--and ensuring they receive personalized, attentive service in the process.