Just great rates, service, and understanding with skip a pay available when needed. Payment slips…read moreare always sent to send payments in.

It is starting again. MOCSE has told me that a new online system is coming. My hope is that is is…read moretruly a solid system. Today is Monday. I have stuff that needs to be done today for the week. I cannot do it on my time and while that seem silly to many, to someone who is trying to be organized and good to HER people, doing business with an institution that has become unreliable in the realm of online banking is really sad. I will not post another picture because it is the same old folderol.

I have been lost in their phone tree for three and a half hours now and no hope in sight. Their…read morephone tree has hung up on my husband and I a total of five times this morning. We did get through to one person who claimed she couldn't hear us so she hung up and did not bother calling back. Their customer service is appalling. we have been customers for over thirty years and are now contemplating moving our accounts to a credit union that is more customer service friendly.

Tania was excellent at communicating with me on my options concerning my loan. Abraham was out…read moresick or something and Tania picked up the ball. She told me she would take care of everything. Keep her on the payroll. Good job Valley First!!!

Adam and his team were great throughout the entire process. As a first time home buyer, as well as…read morea Veteran using the VA loan, they made the process simple and kept me informed throughout. Highly recommend for all buyers and definitely recommend for those using the VA Home Loan.

If you are looking for someone you can trust who will be patient with you and explain every part of…read morethe mortgage process thoroughly ,then I highly recommend Adam and his team at Carrollton mortgage. As a first time homeowner there was so much to the process that was new and overwhelming, but working with Adam and his team made the process smooth , manageable and even enjoyable. I learned so much valuable information. And best of all you can count on them to have your best interest at heart.

Brenda Perry was very helpful in helping us navigate the process from beginning to end. We are very…read morepleased we were assigned with her to be able to make our purchase smoothly and pleasant. Thank you Brenda and team!

I worked with Chris Salas, and I have only great things to say. Chris was genuine, knowledgeable,…read moreand highly responsive. He helped me maneuver through not only the loan process, but got me up to speed from the get-go. He acts as your partner through the mortgage process, no talking down, no pressures. I'm very appreciative for his patience, accessibility, and straightforwardness. I'll be happy to come back to Chris for my next mortgage and recommend him to my friends. A breath of fresh air.

Bill is awesome and super efficient at what he does. He made our dreams come true and he did that…read morein less than 30 days! I highly recommend him to anyone who is looking for a knowledgeable, efficient and trustworthy person to help them with one of the most important decisions in their life! Becoming a homeowner or with any lending service need. HUGE THANK YOU from my Ralph and I! You and Isabel were great to work with. :)

I've been selling Real Estate for almost 20 years, my biggest complaint has been regarding lenders…read moreand I've worked with many lenders.. Bill Johal is the Best Lender I've worked with. He does what he says he'll do. If the contract says 30 days it's closed in 30 days or sooner. I started working with Bill about 5 years ago. He has never closed a purchase of a home with our clients late. Clients love his easy going personality and his vast knowledge of the lending business. If you want the best in the mortgage lending biz give Bill a call. Bill always takes great care of his clients and the realtors he works with ....

Aaron was awesome and made the whole process of funding our home loan so easy! Highly recommended!read more

From start-to-finish Aaron and his team were readily available, easy to contact and get ahold of,…read moreand incredibly patient and thorough in answering questions and alleviating concerns or stress. As a first time homebuyer, and after having briefly worked with two prior lenders, the service I received from Scenic Oaks Funding exceeded my expectations! Thank you so much, Aaron!

I would not recommend Sonia Gutierrez unless you want your process dragged out. As a Lender you…read moreknow ALL the paperwork that you need to get the ball rolling. I am a first time buyer so I had no idea what she needed but she should have asked me the proper questions so she can do her job efficiently. I even asked her " Is that all you need?" Her response would be 'yes, that's it." Then days later ask for more. She did that for 2 whole weeks. And on top of that she was very hard to get ahold of. Oh, and after everything was said and done, she still didn't even submit what I gave her. She made my house buying experience terrible.

From the owner: At AFN - Almond Valley, we are more than just a lending institution - we are partners in your…read morejourney to homeownership. With integrity as our compass, hard work as our driving force, and industry excellence as our hallmark, we are dedicated to helping you achieve your homeownership dreams.

I had the most wonderful boss lady take care of my mortgage and from the prequalification to the…read morebuying of my first home and getting the loan through, Penny Barker did all with class and took good care of me!!! She got me locked in on best interest rate too! I would recommend her to everyone!! So glad we got it done because it was so stressful anyway and she helped it go as smooth as possible. I am enjoying my home, thank you a million Penny!!!!

We went through Kathy Maez for a refinance it went as good as humanly possible. She was as nice and…read moreas personable as it gets and that made it even easier. Got a good amount of money back and she made sure everything went as smooth as possible. The whole place was very friendly no matter if they were working with us or not. They are five stars and Kathy especially is a five star recommend.