Kathy made herself available, on a Sunday, to walk me, a first time home buyer through my mortgage…read moreapplication over the phone. She was patient and super helpful with everything. Kathy made sure I understood each step in the process. Kathy was wonderfully communicative through email, text, and phone calls. I felt completely supported through the whole mortgage loan pre-approval and approval stages. You want Kathy in your corner for your mortgage-she is fantastic!

Kathy is one of the hardest working individuals we've ever had the pleasure of working with - she…read morewill inform you every step of the way. We've come to her twice already and are impressed with her work ethic. Highly recommend :)

Val is simply the best. Better than all the rest. Better than anyone…read more.. Okay, for real though, the best. I felt like I had someone on my side throughout the process. Someone who cares just as much as we did. Someone I could call or text with any questions whenever my anxiety or fear raised up. She wasn't just helpful problem solving. She was also great with preparing us with what to expect. We never felt blindsided because she kept us a step ahead. She was helpful the entire time. She's even helpful since the purchase as we have had questions in regards to tax months later. Before, during, and after, so good. She was so good I bugged my friends into breaking off with their lender and starting over with her because she was THAT good.

I'm a Realtor and have worked with Valerie on numerous transactions. In all cases myself and my…read morebuyers were thrilled with Valerie's level of service, knowledge of different available lending products and mostly her excellent communication with us throughout the escrow process. I highly recommend Valerie as a loan officer for first time buyers or people who have been through the home buying process many times. You will not be disappointed. Eric Kramp Century 21 Hometown Realty

With there being so many realtors in our areas, it feels overwhelming whom you should choose. I…read moreprobably know 15+ realtors... My Mom was interested in buying a home locally and she had expressed interest in two cities that I had recently seen homes where Emily was the listing agent for. While I didn't know her too well before all this, she always seemed together and knowledge. So I called her. I can confidently say I made the right choice with her! She was a dream realtor - readily available, a great communicator (this is priceless!), experienced with the entire process, and she's just easy to deal with. Very patient and practical. No drama. And since she's a loan officer, she also ended up helping my mom sort out the best loan too. My mom has invested in numerous real estate properties over the years and even she said Emily and this transaction was the easiest she's ever done. Highly recommend her services with Avalon.

After 4 months of working with another office to refinance our rural home, only to be told finally…read morethat refinancing would be impossible, I found Emily. From start to finish, the refi process was seamless. Emily found us a great loan and we closed in 4 weeks! She was super responsive to our questions and communicated clearly and quickly each step of the way. I cannot recommend Emily enough!

Elisha came recommended by my sister-in-law for refinancing our home. We compared rates with a few…read moreof the bigger lenders and Elisha came in very close to what they quoted, and we preferred to work with someone in person vs. long distance. She made the whole process painless and smooth. She even made copies of all our required paperwork so I didn't have to fight with our scanner or wait in line at Staples with the kids. She took the time to explain the whole process to us, there were no hidden fees or last minute surprises, and she was available through text/email/phone readily. We've been wanting to refinance for a while now but kept putting it off due to the imagined headaches and work we thought it would take, I wish we would have known how simple and easy Elisha would make it and we would have done it a long time ago!

Look no further, Simple Lending & Realty is your premier restate experts on the central coast. Both…read moreladies there are phenomenal. I had the pleasure of working with Yessi. If you looked up perfect experience in the dictionary you should find Yessi next to perfection. Yessi worked diligently on closing with my first home, and I couldn't be any happier. I was so pleased with Simple Lending & Realty and Yessi that I was able to purchased an investment property through their services again. I highly recommend their services. I will consider them in the future

I recently purchased a used vehicle and the dealership set the financing up with Coast Hills…read moreFederal Credit Union in November of 2025 the same week I went into a branch in Arroyo Grande to open an Account for the payments to be processed from. I received the interest rate decrease for "Auto payment" which was never processed on the date in the paperwork, I had manually pay it myself. I went into another branch and tried again to have set up and again it didn't work, I went back in a spoke with manager and she set it up again, again it didn't work. during all of this a third party handles their insurance paperwork. The branch never asked about insurance, which we had listed on our policy the day we purchased the car, this third party company only sends -emails and you cannot reply to these emails. Apparently they had sent a letter stating that we need to provide insurance which I must have missed, the second notice came and it had all these threats about charging us $648.00 for 6months. I uploaded our policy card that every other bank loan had accepted, it took them 5 days to respond and denied the document, stating they don't accept these cards and I needed to submit the entire policy and show the lien holder as Coast Hills, etc. again I submit it. And I get another email stating it will take them 5 days to respond that day I look at my car loan online and see that the balance of the loan increase by $324.00 as a "CPI loan advance" I went to the branch again asked what this was and the Teller had two pieces of paper stamped together with information about this insurance issue " because it it is this common" the teller tells me that this happened to him as well. Another manager looks at the policy I sent which I had on my phone and said he saw a problem that the address I had on my policy was not the correct one for the insurance ( it was on Coast Hills website) And that it would need to be fixed and resubmitted again. Which angered me beyond belief. I went to the parking lot and contacted my Credit Union I have been with years (Schools First) and started a refinance application which was so easy. All online, I was already Pre approved. So I will be paying of this terrible loan, terrible credit union "Coast Hills" will no longer be getting my money. I recommend look to another Credit Union as they are not all the same. Schools First Federal Credit Union is the best, live people to talk to no stupid third parties to handle important documents with nobody to speak with.

Friendly and effective staff. Just financed a car loan with them. Their new building is beautiful.read more

Karin and Holly and Team have been efficient and helpful with our business practices.read more

Horrible customer service. Multiple customers wait in line only to see a teller become available…read moreand then promptly see them take their lunch break or make a phone call. I'd say I was in shock over the terrible service, but sadly it seems to be the current state of banking these days. I'm looking elsewhere.

Christa did a fantastic job from start to finish. She created a clear strategy that resulted in an…read moreaccepted offer over ask within one week of listing the property and a price per sq ft above average for the area. When we were having a hard time finding a company to provide cleaning services, she was able to get someone to come in off-hours to do a deep cleaning. Communications were clear, timely, and she was always quick to respond to inquiries. The transaction was also a little more challenging since she was dealing with sellers located in different parts of the country and managed it all without any issues. She went above and beyond to make everything as seamless as possible.

Working with Christa Lowry to find our home was a dream! From start to finish, her knowledge was…read moreapparent and valued. As first time home buyers, she happily answered our hundreds of questions and made the whole process as smooth as possible. She was invested in truly listening to our needs and helping us to find the perfect space for our family to live and grow. We never felt pressured to place offers for homes and fully trusted Christa's expertise when we felt ready to place an offer. Aside from her professional expertise, we just love Christa as a person. She is thoughtful, warm, and feels like family. Even after closing on our home, Christa continued to go the extra mile with checking in and helping us to connect with our community. We would absolutely recommend anyone who is starting the home buying process to work with Christa and her team!