Just Life Financial

(4 reviews)

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!

Peggi Sahota (NMLS #1077117) was our agent in purchasing a home. She was positive, knowledgeable…read moreand professional. I highly recommend her.

Veronica Barajas - Valley Home Lending

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.

Ruby Oliveira - Scenic Oaks Funding

Ruby was excellent with handling the loan process. Made the process very easy and helpful for…read moreeveryone. I would recommend Ruby and her team.

I recently used Ruby Oliveira for a mortgage on a new house. Given my previous experience with…read moreWells Fargo, my expectations were fairly low. Ruby, however, knocked my socks off. Here's why: 1). She knows her stuff. This isn't her first rodeo, and no matter how hard I tried, I couldn't stump her. 2). She's on top of things. Like, almost to a fault. She's not going to miss a deadline, and she's going to make sure everything's in when it needs to be in. (If you've ever bought a house, you know how important this is!) 3). She's accessible. I could text or e-mail, even at odd hours, and I usually got a response within an hour. 4). Scenic Oaks uses a really cool system which keeps you apprised of where in the mortgage process you are and what's coming next. I was a bit skeptical at first, but found this to be quite helpful. Long story short, I can't say enough good things about my experience with Ruby and her team. She's on top of her stuff and she's fun to work with too!

Cornerstone Mortgage

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.

Josh Romo - Excel Realty & Mortgage

Josh is absolutely wonderful to work with. It's like having a friend on the "inside" that is…read moreworking for you. He really cares about his clients anytime I've had question he was there to answer and was available to show us any home we want to get tour in very short time. I had great experience with him and defiantly refer him to my friends and family when the times comes to purchase or sell their home. Highly recommended A+

We are first-time home buyers and we had no idea about the process. Josh Romo is very knowledgeable…read moreand he understands the requirement well. He took time explaining the process from the beginning till the end and made sure we are aware of everything at every step. He was always available to answer any questions that we have and he is backed up by the wonderful team. The entire team made the home buying and the loan process stress-free. I can't recommend Josh enough. He is wonderful !!

Envoy Mortgage - Turlock, CA

I worked with Andrew and he was amazing! It was my first time buying a home and he helped me so…read moremuch. He helped me get a great interest rate. He made the process fast and easy! He also answered my questions and concerns day and night...My Loan was approved and done a week before the date expected! I would recommend him and envoy mortgage to anyone who is trying to buy a new home! You will definitely be in great trusting hands!

From the owner: Envoy is one of the top mortgage lenders in Turlock, CA. We are committed to providing a…read morestress-free home buying process. We offer FHA loans, VA loans and many other home loans, at some of the best mortgage rates Turlock has to offer.

Valley First Credit Union

2.4

(38 reviews)

This bank has got to be absolute worst bank I have ever had the misfortune of using…read more If you're going to be so bold to remove face to face interaction with bakers, that's fine, but at the very least the new system must be as good or better then previous system. The atm here is freaking joke, I've seen McDonald self checkouts work better than this so called bank. To whichever executive moron that thought doing this would save the corporation money, how would members leaving in groups do to the yearly revenue? Because that's exactly what I'm doing. I'm moving my money to Chase. You absolute morons.

Choosing a bank or credit union is hard. You want an institution that you trust with your money…read moreand a place that you feel like your business is appreciated. We started banking with Valley First when they were located on Geer Road. There seemed to be a high turnover as there were always new tellers. I must also say that while we usually were able to get our questions answered, there were a few situations that made us strongly consider taking our business elsewhere. They have since moved to a new location with new employees who seem to be more permanent. The new location is also much larger with more parking which is a plus. The first time we entered the building, we were immediately greeted by one of the employees and asked if we needed assistance, which we did. We were promptly taken to one of the cubicles to discuss our financial business. The employee was extremely pleasant and professional. Our questions were answered and were able to leave feeling confident about the outcome. A few days later we received a follow up phone call to give us an update and let us know the situation had been taken care of. Every additional time we have returned, we have had similar experiences with great service. We are very happy that we decided to stay with Valley First Credit Union for our banking needs.

Balanced Books

4.7

(13 reviews)

These gals are amazing! They've been doing my business books for almost a year and I've not…read moreregretted it. They are super organized and keeps my books clean and up to date on a quarterly basis. When I met them in person, they were super friendly and personable. Highly recommend this company! They are worthy of your books for sure!

After more than a decade of bouncing from one unreliable bookkeeping service to another, I finally…read morefound THE Bookkeeping service I was looking for. Balanced Books handles our complicated books with ease. They have embraced modern technology and integrated seamlessly into our workflows. The team understands our needs and addresses them without fail. Thank you Crystal and the Balanced Books team!

Priority Tax Service

4.9

(64 reviews)

This tax service was simple and efficient from start to finish, turning what is often a stressful…read moreprocess into a smooth and straightforward experience. My interactions with Kyle were excellent he was professional, friendly, and explained everything clearly. Can you believe we even had a discussion over Star Wars! I will definitely return to Kyle for all my future tax needs. He is my go-to tax professional, and I highly recommend him to anyone seeking reliable, stress-free tax assistance. Thanks again Kyle!

Love that this tax place has a baby changing station it was so accommodating for my kids and…read morecustomer service to the max all so polite and all so friendly

Sahota Pardeep CPA

See more unrecommended reviews

We have done business with Sahota CPA for 6 years. He is a wonderful and intelligent businessman.read more

I have bee going to Pardeep since his office was on Golden State in the 90s. He is by far the most…read moreknowledgable CPA that I have worked with and yielded great results, which is why I have stayed with him for over 20 years. Highly recommend utilizing him for all accounting purposes that you or your business may need. He also has an office in Sacramento, CA and is well versed in international accounting for those who may need it.

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49 reviews that are not currently recommended

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kristy c.

5 years ago

March 9, 2021 A year ago, I signed up with Maria and her team for credit repair at JLFS. I had previously spoken to several other people/companies and their solutions were less than encouraging. Talking to Maria was entirely different than what I had experienced. She asked me what my goals were and where I wanted to be in a year, and she simply replied "I got you". I instantly felt overwhelming relief and complete trust in her. I immediately felt her confidence which made me completely confident in what she would do for me. She is very dedicated to her clients, professional and her amazing work ethic shows in everything she does. It is now a year later and she has kept her promise to help me a single mom raising two amazing sons. I look forward to being a long time client and recommending her to my family and friends. I knew from the beginning I would have to be patient, to trust the process and I am glad I did. It's been a great experience to have been able to work with Maria and her entire staff, I am grateful for the opportunities that she has opened up for me and my boys. Her and her staff have always been friendly, professional and helpful with any questions/concerns I had along the way. She has changed my life and she will always be a part of my journey. I cannot thank her enough, there are no words to express how grateful I am. Best Regards, Kristy De La Hoya read more

Ross P.

5 years ago

EXTREMELY PROFESSIONAL AND KNOWLEDGEABLE I wanted to share my experience with this office. I was recommended through a friend that recently purchased through them. It was a pleasure to work with Maria and her staff. I applied for a home loan through this company. Unfortunately I knew I would not qualify due to my credit, but instead of denying me and my dreams, Maria created a credit plan to help us accomplish purchasing within 3 months. I offered to pay for this plan but Maria stated I did not qualify for their program and instead gave tips I can do on my own to increase my credit. If I would have know this in the past I would have been a homeowner by now. This is the most any mortgage company has done for me. The entire team was very responsive to all questions, dependable and reliable in accomplishing the intense task at hand. I was most impressed with the turnaround time I am looking to purchase my dream home!! Thank you Maria I am excited and I appreciate all the hard work your office puts in helping people like me. I was not disappointed read more

Angelica C.

6 years ago

I had the best experience here and continue to come back for the excellent service . I have been coming to JLF for many years I started in 2009 doing my business taxes as well as all my family. My father then bought a restaurant and Maria the owner assisted us with the entire buying process and setting up his books so that he is ready and organized when tax season comes. She has truly been amazing help all our lives. I then started the credit repair program because I had a huge mess with my credit and she helped me dispute, correct and build my credit all in a process of a year. Soon after I bought my first home. I could not be more happy for all the guidance and all the services Maria and her team has done for me. Super professional and amazing communication, I recommend her to all my family and friends . read more

Angelica T.

4 years ago

After paying over a hundred thousand on my business taxes, I knew I had to look for a different alternative. I interviewed different companies, then I was referred to Maria through another business owner. I hired her after 15 minutes of talking to her. She knows what she is talking about! I am happy I met her and her team. They are knowledgeable and very responsive. Her team has supported me throughout the entire process. I hired them for all my business needs, tax planning, income tax filing, bookkeeping, and payroll services. The quality of communications is really good, the weekly updates solved most of the potential problems. You will not go wrong! read more

Mar V.

2 years ago

Hands down the best ! Walked in to this place with a thousand questions and they were all answered. Maria has done a great job at handpicking her team it's safe to say they all are a great representation of what she & her business stand for ERICAAAAAA thank you for absolutely everything ! You are heaven sent, I appreciate your patience with me and sharing all your knowledge, and helping me understand everything along the way. It's a great feeling to be assisted & empowered by another women with no criticizing, no judging, just educating and best of all in way that I understood. Thank you ! read more

Harinder S.

4 years ago

I fell behind for several years of business & personal taxes and I needed help... I was already stressed out with the IRS. Now, I had the extra stress of choosing which company to hire. The thought of getting ripped off was almost enough for me to put my head back in the sand. This office explained the process in a clear way and made me feel comfortable enough to hire them. To my surprise, everything went smoothly. I was protected from the IRS and reached a settlement I'm pleased with. I highly recommend Just Life Financial. Get the monkey off your back (the IRS). It feels great! read more

Benjamin T.

7 years ago

Maria's communication with me surrounding my tax burden situation was just what was needed for my problem. Maria proved to be on time - knowledgeable, empathetic and spoke to me in a way that made me feel comfortable. Maria truly made me feel that my tax problems with the IRS were being handled professionally. The end result was that my monthly tax payment was reduced, due to Just Life Financial Services, by over 250%! Great job by Just Life Financial Services and my hat is off to Maria, I hope you have the pleasure to meet Maria and her team read more

Jaime E.

6 years ago

Great office, wonderful and warm experience from start to finish. I came in for credit help in November and I was helped out instantly. I was instructed of the process from beginning to finish. I was told to be patient and now I am in the process of purchasing my dream home. My credit score increased to 750 and I appreciate the office for taking time to go over the process clearly and multiple loan options. Was referred over by my good friend and can see why. Highly recommended!! You will not go wrong with this office... read more

Arturo L.

153

5 years ago

Started working with Erica Sanchez on refinancing my house. She was very helpful and set me on the right path, first getting my credit straightened out and making sure I had all my documents turned in. Things changed and I decided to sell and once again Erica and Maria came in clutch and got me pre approved for a new house. These ladies go above and beyond in the services they provide. I highly recommend working with Erica she has great customer service skills and is very professional. Thank you for all your help. read more

Eriberto N.

5 years ago

Lia Medina sent me! Greatest people ever if you want the job done! Hard working and smiling faces ready to help as soon as you walk in! They've helped me build and start my credit from the beginning and currently still are; They've also helped me by believing that I could pass my real estate license, and even after I got my license, they're still offering me plenty of help and guidance! They're certainly worth getting help from, they put your needs before they're own! read more

Servero M.

7 years ago

I welcome the opportunity to give feedback regarding my experience with Just Life Financial Services and their staff. From the first time I called, I received excellent service and Maria has exceeded my expectations regarding her expertise and professionalism regarding my tax situation. She returns my calls and/or emails promptly. I'm very pleased with Maria and would highly recommend Just Life Financial to anyone needing assistance with their taxes. read more

Lisa P.

5 years ago

As first time buyers, we didn't even know where to start. We reached out to Maria and her team and they told us what to do step by step to start our home buying process. They helped us get our credit where it needed to be in such little time. They worked late hours for us and made us feel comfortable with the millions of questions we had. We bought our dream home because of this awesome team. If I buy again, I'm definitely sticking with JLF! read more

Sandra R.

8 years ago

JLF is seriously the best place to go if you need ANY financial guidance. For two years I put off doing my taxes because I was nervous about the potential outcome - Maria took her time with me and explained everything line by line. I sent my daughter here for a home loan and they were, again, so professional. The staff is friendly and thorough. JLF has a life long client in me - I will never go anywhere else. read more

Joseph H.

6 years ago

Working with Just Life Financial has been a Quality Experience! Maria and her staff from the start have been very helpful and professional assisting and clarifying each and every step of there Home Loan Process. I would recommend working with Just Life to any first time home buyer or anyone in need of any Financial services they offer! I definitely will! Thank you Maria and Staff and Keep up the Good Work! read more

Graciela A.

9 years ago

We have been going to Maria for our taxes for a few years now. But she didn't just do our taxes. She got to know us personally and used that information to help get us the best return. She has also helped us buy a home. She explained all our options and listened to our reservations. Glad to say we are now home owners. I have recommended Maria many times and will continue to do so. read more

Rosi T.

5 years ago

We have trusted Erica with our tax, credit and home loan needs and thanks to her its a stress free process. She is so helpful and works with you to get it done especially if you have a busy schedule like my husband does. She was very flexible with our time. She is very knowledgeable and goes beyond to help us. Would definitely recommend reaching out to her. Thank you, Erica! read more

Jazalyne H.

5 years ago

Shout out to Erica! Erica provides the best customer service ! She's helped me so much resolving tax issues ! She calls me back when she says she is ! She's efficient, helpful, fast and very friendly ! I recommend this place because they care ! Maria is the sweetest and smartest ! I been using her services since 2015! I trust Maria! I will continue going back ! read more

Veronica C.

213

5 years ago

Being self employed can be very stressful when it comes to taxes, but Maria and her staff did an amazing job. Her expertise shined when it came to answering all our questions. Maria has been doing our personal taxes for over 10 years, so without a doubt we knew she would be doing our business taxes. Just Life Financial Service comes very highly recommended. read more

Vanessa S.

2 years ago

Been doing my taxes for almost 5 years and let me just say Just LIFE FINANCIAL services is where it's at . Ask for Erica !! She's amazing and what I love is her customer service treats you like FAMILY love that their not all about money hungry here the actually care and tell u and take the time of your service you are getting .!! read more

Tina I.

9 years ago

We have been going to Just Life Financial for years - it has been a blast watching it grow. From taxes to a new business venture Just Life Financial has been amazing for us. Not only helping with what we ask for but taking the time to find other options we did not even know existed. Maria and her team go above and beyond. read more

Just Life Financial - taxservices - Updated August 2026

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Top Choice Taxes

This was my first time doing my taxes here and all I have to say is that Lily did a fantastic job…read moreand helped me with every question I had.

Been going to do my taxes with Lily for about 5-6 years now.I got her recommended through my father…read morein law.Ever since I went there I never left.I Love Lily!She is amazing and just has a wonderful heart.Office staff is very welcoming!!See You guys very soon!!God Bless You Always Lily!!

Bookkeeping 4-Profits

4.2

This firm is outstanding and I would highly recommend using them for your annual tax needs or any…read morespecial tax needs you may have. The owner is fantastic and is good with communication, she is very thorough with her work and helped us out of a bind that could have cost us over a million dollars. Stephanie is dedicated and goes the distance making sure to solve your problem with style and grace. She is of the highest integrity and will not let you down. In fact I wouldn't go anywhere else ever again. This company is professional and honest and no job is too big or to small and they are affordable too. This is a tax firm you can trust. Thanks to Stephanie our audit was resolved to our satisfaction and we could not be happier with the help we received from Stehpanie and her team at Bookkeeping 4-Profit$

Hired STEPHANIE to produce 4 years of tax returns. Paid her promptly and she told us that she would…read morefile them electronically and submit to us the proof that the IRS accepted the electronic filings. She never produced the proof. When contacting the IRS they only have record of one of the 4 filing years. Emails have gone unanswered and when she answers she is still not answering the questions asked or producing what we ask for. she still cannot produce proof that she filed them after asking multiple times.

Zaigal Tax Services

(2 reviews)

Zaira provided exceptional tax services! Her expertise, professionalism, and attention to detail…read moremade a stressful process seamless and straightforward. I can definitely say I will continue coming to Zaira for upcoming tax years.

I went to Zaira for the first time ever to get help by someone to do my taxes and I don't regret it…read moreat all! loved working with her and her honesty to help me. she also educated me so much which was really helpful. I cant wait to go to her next year! she has my full trust!

Dave's Bookkeeping & Tax Service

4.6

(11 reviews)

VERY happy with services here. Rodney is great, he's done my taxes for 3 years now. He's very…read moreknowledgeable, it's quick and easy to get things completed. I've referred 2 family members with more involved taxes than myself, they also are happy with his services. He's informative, helpful & he's just a nice guy! Try him, he's great overall. (If you do decide to go here, get an appointment sooner than later, he does get busy!)

Finally! An honest knowledgeable tax professional in Modesto. I went in to ask about a tax form and…read moreRodney took the time to walk me through everything, even drawing a diagram to explain. He gave me practical advice on what I should do which I totally appreciate. Unlike the cold guy from the national brand (you know which one I'm talking about, the one with the green square) Rodney provides solid advice and tax services like he cares, because he's part of the community. I won't trust anyone else!

Tisha Miranda - State Farm Insurance Agent

(17 reviews)

Tisha and her team are amazing. So professional. So helpful. They always go above and beyond. I…read moreappreciate that she takes the time to explain things to you, step by step. Highly recommend this agency. Thank you!

Tisha and her team are friendly, professional and just wonderful to work with! Each time I have…read morereached out with questions, I walk away feeling well informed. They always go above and beyond, whether it's connecting me to roadside assistance, policy changes or walking me through the steps of a claim. I highly recommend this agency.

Ever Providence Insurance Agency

I went there to get help with medical insurance and Nermin was very friendly and helpful. I told…read moreher what I needed. She helped me fill out the application and everything went great. I would definitely recommend if you need anything medical dental vision she will really help you get what you need.

Your Tax Lady

(3 reviews)

She is the sweetest and is super good at what she does. I have been a customer for 5 years and I…read morewill continue with her business.

She's very good at what she does! Very professional and accommodating. I like where her office is…read morelocated, it's cute and clean. This was the second time she did our taxes. Definitely recommend her if you need your taxes done.

Bell's Tax Service

They do a good job and they r honest! I have gone there for years. And they look out for your best…read moreinterests

It is "Update" time…read more.. Seeing as how I submitted my tax packet to Ms. Linda Bell via the USPS mailing system and seeing as how she just received it; mere days afterward, she confirmed for me that it did indeed make it into her business safe & sound. Whew! What a relief! 11+ years I have been having my Taxes correctly done by Bell's Tax Service! :) I see the last time I wrote and/or updated her Yelp Business Listing was in the year 2013; it is overdue for an update. Not too much if anything has changed... I find this comforting but when there are legal changes that the governments have inducted she lets me know right away. As far as the documents needed for Ms. Linda to be able to do what she needs to do to complete my IRS and State of California income-tax return; she always, always always gives me a ring and informs & explains it all. On the times when I do receive a 'refund,' she does so by electronic means which is great for me since I am in Turlock, California & her work-from-home business is in Modesto, California. Her office ALWAYS returns my call(s) promptly and even in the evening at times have I caught her on her way out and she either gets back to me the day after or she kindly screens my call personally, and directs me on how to proceed... The "backyard" landscape is super welcoming & all areas are CLEAN :) The neighborhood is old~school lined with extra-wide 2-lane residential driving & parking spaces coupled with VINTAGE! residential homes that many appear to have been renovated and are reminiscence of the early architecture of the Craftsman & Arts & Crafts Era... I feel like I've been transported backward into my childhood where I grew up with Vintage Real Estate, in the neighborhood of my German great-grandmother's Tudor~Style vintage era landscape. Located on Morse Street and I believe there is just the one "Morse Street" in this neighborhood. Yet I digress; sorry about that; sincerely... Here's what I really enjoy about Bell's Tax Service: 1.) English-speaking employees including Ms. Linda 2.) Quick turn-around-time from drop off or mailing in your docs; done ASAP and triaged by acuity & importance. 3.) Accepts electronic payments such as Venmo & More... 4.) Affordable rates 5.) She took my train-wreck of an income-tax situation due to divorce years ago and made sense of it guiding me gently like a boat in the ocean to the safe ground... She pampered me through not 1 but 2 divorces straight from the bowels of hell... Only she did and got my "Single" filing status back to me, due to due diligence and sheer force of her will... What a relief!!! :) 6.) In-person "pick-Up" of tax-return where I can pay on-site with a check or other acceptable means. 7.) Lastly.... THE MOST Peaceful & Quiet neighborhood of Vintage Homes that welcomes me each and every year with vintage, huge, healthy trees lining the pavement, keeps me calm as I become nervous about having to owe each year even though my income from a disability retirement annuity barely increases by $100 per annum from OPM, the Office of Personnel Management aka: MY previous federal government employer & still is; I'm a Whistleblower; on & "Off the Record". 8.) Lasty ((pinkie swear)), it's always "Service with A Genuine~Smile" from Ms. Linda & anyone working for her that I encounter. Information was generically identified via a www.Google.com Search at the time of this professionally crafted independent review: Bell's Tax Service 205 Orange Ave, Modesto, CA 95350 PHONE: (209) 527-2452 *** IN BUSINESS FOR 38 YEARS & COUNTING... WOW.... *** https://www.bellstaxservice.com/about/ (VERIFIED WORKING) Best Wishes, Sincerely, ~Jana Leigh Thomas :)

Terry Solano - State Farm Insurance Agent

4.3

Everyone at this agency is so friendly and is willing to go the distance to help their clients out.read more

My experience today was very good and helpful. Thank you, Kay for your help today on my billing and…read moreresponding so quickly. That is very much appreciated.

InsureCAL Insurance Agency