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!

Want excellent service with knowledgeable experts? Want…read moresomeone working for YOU when you are at work or out of town on business? Choose this team that works for you 24x7 and let them solve the many issues underwriters look for when you need financing and real estate transactions. I have done dozens of real estate deals over three decades and dealt with most banking institutions and title companies in San Luis Obispo county and never have I had the high level of service and commitment as I did with Elisha and Yesenia at Simple Lending and Realty. They represented me with my new home loan and my real estate purchase. Even when we hit major road blocks with the bank and I was traveling during my 30 day escrow they keep everything moving along and keep up updated daily. They got me a fantastic loan and a great home and even helped when the sellers agent was a pain in the ass. These ladies are professionals and smart. I have already recommended them to friends and coworkers. Do yourself a favor and hire these real estate-home loan experts and let them do the work for you while you are at work or home. Again I want to thank Yesenia and Elisha for a great job. The Bell Family in Paso Robles

I'm a non-member and I had 5 30 year old savings bonds that I needed to cash. My credit union is…read morenot in the area but they pointed me in the direction of CoastHills. I called ahead to confirm they could help me and they said they could so I headed over with my ID and my 5 bonds. Considering the age of the bonds I have to assume that cashing them is an unusual request, even more so since I am not even a member of their credit union. The teller was super polite and let me know it was going to take a little while because this was something she had never done for a non-member but assured me that it could be done, she asked the other tellers for instruction but none of them had ever done it, so she popped open a few manuals and went through the process. It took about 15 minutes, but she got it done. She could have easily told me that she could only do it for members or pass me along but the teller took her time to get it all done. Thanks for the awesome service.

30+ year member here. Today I had to finally ask myself why I tolerate a business that can't just…read moreapologize when they err, be honest instead of feeding me a line of baloney, and just quickly correct the problem? 1. Today, I presented a personal check to the teller, and explained that the check writer also has an account at CHFCU and is often is short of funds, so could they please check the writer's account balance to verify there are adequate funds before I deposit it? She did so, said there was enough to cover it, and deposited the check to my account. On the receipt I noticed that the check writer had been debited $32 for an insufficient fund fee. I told the teller that I had asked her to verify sufficient funds before I attempted to cash the check! Her excuse was that the check writer had chosen the courtesy pay option and I had to repeat our conversation several times with her insisting she did nothing wrong, and no, the $32 fee could not be returned to the account owner. I later called the help line and emphasized the teller had made an error and CHFCU needed to return the $32 to the account owner. She said, not out fault and can't be done, but if the account owner *and* myself could both come in and present our case, maybe they could consider it. I said there is nothing more to say in person, so no, I won't be participating in a dog and pony show. 2. Two months ago at the other north county branch I cashed a check for $250 and left. I later received a text alert that my account had been debited $250. I was unable to return to the bank for several days but when I went in, the manager tried to tell me everything was done correctly but when I showed her the receipt she said the error was made *because both the check writer and myself have accounts at CHFCU,* which somehow complicates cashing a check to the extent that errors are to be expected. I did receive my $250 back but without an apology or explanation. I was adamant that I wanted an explanation of how the bank can fail to notice that their balances don't balance at the end of the business day. I mean, how many days does it take book keeping to notice the overage of $250? Either they have a sloppy error margin or the teller stole the money which is the more likely of the two. Either way, nobody's fault. 3. Going back a little farther, I had purchased a refrigerator from Idlers for $1200. Weeks later, my mortgage payment bounced. I noticed the check had been paid out twice from my account. If it had not bounced, I wouldn't have noticed that the funds were missing. The teller assisting me with this said it was an honest mistake, and somehow the check "accidentally" was cashed twice. She was very cagey and I could not get a satisfactory answer. I was led to believe that Idlers had deposited it twice. It's obvious to me now that a bank employee had scammed me. Again, how many weeks does it take the bank to balance its books to notice an overage of $1200? I am a senior. Under California Welfare and Institutions Code Section 15630, all employees of financial institutions are legally classified as mandated reporters of elder financial abuse and *must report* suspected theft or fraud to APS or local law enforcement. I'm going to forward a copy accordingly.

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!