The Best in the West! Working with Ellen Kohagura couldn't…read morebe easier! Ellen made us feel as though we were the only client she was working with. She was so responsive and always on point. Ellen always had the answer and was our voice of reason. She helped us through the process from begining to end and made the entire process easy. I would recommend Napa Valley Lending to anyone and everyone looking to buy a home or refinance the home they have. I simply can't put into words how much Ellen and her team made us feel at ease throughout the whole process! Thank you!

Ellen is amazing to work with as a Broker. I have lived in Napa for 36 years and never experienced…read moreanyone as knowledgeable and professional. My husband and I have used Napa Valley Lending twice for home refinancing. Each process was easy and not stressful. Ellen is a rockstar and gets your loan to close in a timely manner. If you want the Best, this is the Broker to use.

Dale and Mary were nothing short of amazing. With interest rates dropping and Covid-19 in full…read moreswing, I reached out to Dale, recommended by my Sister, to refi my home, take $ out to purchase a new home, even when the ratios didn't really line up. Dale was communicative and creative and made it happen for us! Fast forward three months later, our first home is rented and we are living in our new home. Magic.

Dale and his group made the process of refinancing our home easier than it has ever been. They…read morewere completely professional, transparent and patient with regard to all the paperwork!

Such a great person and team. Thank you for all you help and guidance. Communication was always…read morethere and support through finding a house and getting all the necessary papers and things ready so we closed on time. Thank you again!

Hilda, Diana, and Kelly helped me in my journey to purchase my first home. I am thankful for their…read moreresponsiveness, professionalism, and efficiency. They were always available to answer my questions and made sure I understood each step of the process. I highly recommend their services for your home-buying, pre-approval, and refinancing needs -- they give you service with a personal touch and will take really good care of you. They're also still available and working hard during covid, so you'll still be able to reach out for assistance.

Sean and his team at Shamrock Mortgage were always fast to respond to questions when we had them…read moreand kept us well informed on what was happening as the loan process progressed. I will definitely reach out for my next purchase or refi.

It's always nice to know you can rely on an trust a friend in this business. Sean knocked it out of…read morethe park for us and we were really lucky to have him work for us. Got us into our dream home with no issues at all.

Paulo Corro was our real estate agent when we were buying a home in Napa, so he was obvious choice…read morenow that we are in the process of selling the home that he helped us buy! He is fantastic, very professional, very responsive. Paulo goes above and beyond and recommends great contractors too. I feel very comfortable and at ease as we go thru the slightly stressful process of preparing a house for the market. In addition, when he was our buying real estate agent, Paulo was so patient with us as we dragged him throughout Napa and Sonoma Counties looking at houses. I highly recommend him and would definitely use him again and again!

Paulo was a fabulous Realtor. We start out looking for a home with one set of expectations, and…read morethen dramatically changed our requirements. Paulo was very patience. He went above and beyond to send us a list of houses. He was readily available for viewing house to fit with our schedules. He followed through after each viewing to review our impressions. We are convinced that the reason our offer was accepted was because he pitched the advantages to the buyer's agent. After our offer was accepted, Paulo continued to work with us on all the inspections and other details involved with closing escrow. We highly recommend him as an agent. He will work for you in a very professional manner. He is the "man".

We had a great experience buying our first home with Kelly. There's A LOT to wrap your head around…read moreand she did a good job walking us through everything. While I think it's impossible to completely avoid confusion during this process she helped avoid a lot of the worst headaches and everything worked out well in the end. We weren't exactly shopping around to find the most competitive rates or anything but were recommended this local lender by our realtor who we trust and it all wen smoothly. My only complaint would be sometimes she'd get a bit TOO into the weeds of explaining every detail in some Byzantine loan process which could stretch phone calls on quite a bit. However the support team that helped us with the more day to day aspects of our application were super useful in getting things over the finish line (thank you Pam!).

Kelly and Mark were an absolute pleasure to work with. Kelly is adamant about educating her…read moreclients, sometimes "overeducating", (her word not mine!) but all to the benefit of her clients. She was punctual and maintained excellent communication throughout the process of initial mortgage loan and refinance. I was updated every step of the way and would highly recommend her! Thank you, Kelly!

Words can't fully express my gratitude for Art Ramirez…read more This was my first time ever dealing with anything like this, and to say it was overwhelming would be an understatement. My cousin passed away and named me the executor of his estate. I suddenly found myself responsible for selling his home while trying to navigate the probate process, with deadlines approaching and no idea where to even begin. Out of nowhere, I started getting flooded with phone calls and letters from real estate agents. At first, I couldn't understand how they even knew about the house. Being completely new to probate, I was already stressed, grieving, and trying to figure everything out. Most of the agents I spoke with sounded like they were only interested in getting the listing. You could hear the hunger in their voices, and that was the last thing I needed during such a difficult time. Then Art called. From our very first conversation, he introduced himself, asked about my situation, and simply listened. I told him honestly that I didn't know much about what was happening with the house. Instead of trying to pressure me or sell himself, he told me that if I ever had questions, I could reach out and he'd be there to help. No pressure. No sales pitch. Just genuine kindness. As time went on, we talked a few more times, and each conversation confirmed that Art was the right person for the job. He didn't just care about selling a house he cared about my story, the probate process, the estate, and making sure everything was handled the right way. That meant more to me than I can put into words. Art went above and beyond in every way. He walked me through the process step by step, answered every question I had, communicated constantly, showed up when he said he would, and always kept me informed. Going through probate isn't easy, especially when it's your first time. To be honest, my attorney wasn't much help throughout the process. Thank God for Art. His professionalism, knowledge, dedication, and passion made one of the most stressful experiences of my life manageable. When challenges came up, he didn't make excuses he found solutions. He fought tooth and nail to get everything done, and just in the nick of time we crossed the finish line and successfully sold the house. Looking back, I truly believe that if I had chosen someone else, I would have been left to figure everything out on my own. This wasn't a simple transaction it was a complicated, emotional situation, and Art never made me feel like just another client. He stood by me every step of the way. That's the difference with Art Ramirez. You're not just hiring a Realtor. You're getting someone who genuinely cares about you, understands what you're going through, and will fight for you as if it were his own family. As Art always says, "No excuses." And he lives by those words. If you're reading this because you're looking for a real estate agent, look no further. Art Ramirez is the one you want in your corner. I'm proud to not only call him my Realtor, but also my friend. He will be the only Realtor I ever call. Thank you for everything, Art. I'll never forget what you did for me.

You will NOT regret working with Art Ramirez and his team. He is incredibly knowledgeable about…read moreboth the process and the area. He's very good at helping you understand everything and is great about staying in contact/keeping you informed. If you ever have a question or concern- he's there. I had a pretty complicated situation selling my home and Art knew exactly what to do. I would jump at the chance to work with him again in the future.

Jeanine's service is defined as "excellence as the only standard"! She assisted me on my first…read moremortgage and this time the refi. She is very honest and transparent. Look no further, she is the real deal! I highly recommend her. Thanks Jeanine for all of your help!

If I could give Jeanine more than five stars, I would…read more Buying my first home at 63 years old after a lifetime of renting felt exciting, overwhelming, and at times downright terrifying. From the very beginning, Jeanine was so much more than a mortgage broker, she became a trusted guide through every step of the process. No question was ever too small. She patiently explained things I didn't understand, kept me informed every step of the way, and somehow made a very complex process feel manageable and even possible. Whenever a new document, underwriting request, insurance issue, or unexpected question came up, Jeanine was there with calm reassurance, knowledge, and practical solutions. What impressed me most was how deeply she cared. I never felt like just another client. She worked tirelessly behind the scenes, coordinated with my realtor, escrow, insurance broker, and lender, and always had my best interests at heart. I truly not only felt, but knew she was advocating for me throughout the entire process. Thanks to Jeanine, I am now the proud owner of my very first home. Looking back, I honestly don't know how I could have navigated this journey without her expertise, patience, encouragement, and unwavering support. If you're looking for someone who is knowledgeable, responsive, compassionate, and willing to go far above and beyond, I recommend Jeanine without hesitation. She helped make one of the biggest dreams of my life come true, and I will always be grateful.

Laura Miller is the reason we have our new home. I tried 2 other lenders who didn't work out. She…read morecame through 200%. She was relentless in getting us what we needed and she really cares. If you need a home loan you can absolutely trust that she has your best interests at heart.

Amazing team!! I…read morecan't say enough about Chris Salese and his team at Del Sur Mortgage! My husband and I were buying our first home together and they were by our side from start to finish. A home purchase is a very stressful and scary experience, but we felt confident we were in great hands! We had a lot a support from Chris' team, from check-ins, phone calls, education, and advice. We can't thank you guys enough!