In 2020, I worked with Sheri to get my first home. Spoiler: I succeeded and now living there. Sheri worked with me very well and got things done in about 2 months, in total. Sheri was professional and helped me a lot along the way of getting a preapproval so I'd know how much I could work with when looking for a home and then the finalization process of actually getting the loan for the home. The only main issue I had during this was her assistant Jessica who had asked me repeatedly for the same document I had sent her. She asked for specific verbiage which I included. It was evident she didn't actually read the document because what she requested was exactly what I sent to her. I even sent the same document and she finally accepted it after some going back and forth. That was a very frustrating week to have to go through that. There's another issue that I'll get into in a moment. About a year later, I was contacted by Sheri to see if I wanted to refinance my home from an FHA to a conventional so I could begin saving money. At first I wasn't so sure about it. Most to do with my financial situation. Money is very tight for me so having to go through with an appraisal just wouldn't work for me so I declined. Sheri handed my case off to Steve and he began contacting me. Steve worked the numbers and tried very hard to get things to work for me. Steve said he would see about getting a voucher for me that could waive the appraisal fee. That ended up not being something he could do. But Steve said that he found another thing that could work for me which is to put the appraisal on a credit card I have. About $500. I was skeptical about this but Steve said that if he could get the numbers to work, based on the estimate of my home from Zillow and Redfin, I could come out very well because of the equity in my home. I could pay off these credit cards and my vehicle and just have my monthly payment increased by a few dollars. Well that sounded wonderful. I could consolidate everything into one payment and be much more free financially. Awesome! Let's do it. So we went forward with it. This was mid September and we were hoping to be done by October 1. Due to some things out of their and my control, we didn't hit that deadline and ended up going deeper into October. Which was fine, but we were hitting their new deadline for the interest lock-in. Whoever they chose for an appraiser did not do a good job. Zillow and Redin and other sites were estimating my house to be $280-$330. Because of all these inconsistencies, they couldn't rely on these and said they wanted an official appraiser. I've done quite a bit to my home since buying it. Stuff that wouldn't show up on Zillow and Redfin's radar, so my home should actually be worth more than what they estimate just having sat here all this time. Their appraiser said my home was worth $265k. He clearly did not do his job as he was supposed to. And I intend to Yelp his company as well for this awful appraisal that my home didn't deserve. Because of that, we couldn't have my vehicle consolidated into the loan. This sucked big time to hear because that is my second biggest expense. But Steve said that we could still pay off my credit cards and I could get cash in hand. That's cool, not exactly what I wanted to hear, but doable. So let's proceed. Well now they want my "asset statements". I'm thinking they just need to have my bank statements on file as part of this. No, now they're telling me they need to see 6 months worth of savings in the event I lost my job, etc. It's standard part of the loan process, so his assistant Wendy says. I'm shocked to hear this. Because I obviously have nothing like this since I had to put the appraisal on a credit card. They knew I didn't have any extra money set aside. I should, but like I said, money is tight. Well Steve asks if I have a 401k because we can use that. Turns out I don't have that like I thought I did (I never told Steve I had one before this). So the refinance couldn't proceed. Steve said that my debt to income ratio is too high. Perhaps I could refinance my vehicle and I'd be in better standing to proceed with the refinance for my home. At this point, I'm just done. Too many promises that fell through and went nowhere. Too many letdowns. I'm done. I'm not refinancing my vehicle only to have another surprise at the end of the road again like we've had so much before. This is ridiculous. So now I'm stuck with my same financial situation plus an extra $500 to some joke of an appraiser that I now have to pay. I'm in a worst financial position than if I just never went through with this refinance in the first place. It's still my fault ultimately for not putting my foot down and not going through with this. But I don't appreciate the way they continually kept coming back to me after saying no repeatedly and I don't appreciate the fact that things didn't go half the way we anticipated. read more

Absolutely awesome ..... This is our 2nd time using them and will continue to use them for our futures endeavors.... The "Kim's " are who helped us... They are one organized, professional team with the most patient and professionalism... Thank you again!!!!! read more

Unfortunately, I wouldn't recommend point mortgage corporations to family or friends. Sherri and Jessica are nice people, but they didn't communicate with each other, which caused us to have to send the same information to them 3 times. There was no HOA in my community, but there was a $70 hoa fee on our final signing docs even after I told Sherri and Jessica about it several times. We had to resign our docs because they failed to make proper changes. My wife and I both agreed this was more difficult than buying a house and we are glad it's over. read more

We've had the privilege of working with Inland Valley Loans, not once but twice. Sherri Keene was our loan officer on the purchase of our first home (VA loan). Sherri went above and beyond to assist us.. She's professional, patient, takes the time to answer questions, and keeps you in the loop as to what's going on.. We decided to refinance to take advantage of lower rates, and Sherri was there again with us every step of the way. She's an absolute pleasure to work with and we are very grateful to have met her. read more

Working with Sheri was great. She got my wife and I into a home loan when it seemed like it was impossible. I'm very grateful for the loan we received and the time and effort they took to get us approved. After many ups and downs i can finally say i am a homeowner again. Thanks Inland valley home loans. read more

Thanks to Kim for helping us get our home. She was very helpful throughout the process, always there to help with any questions and concerns. If you're looking to buy a home, I recommend Inland Valley Home Loans, hands down read more

Our loan officer Sheri was so great. We are first time VA home buyers and she was so helpful. She had no problem answering my many phone calls, emails and crazy first time buyer questions. She fought for us when things weren't right with the bank. She is a genuinely kind person and I'm so glad our realtor recommended her. We love our new home! read more

As a long time real estate broker of a local Coldwell Banker franchise I have had the opportunity to work with Inland Valley Home Loans for several years. They are a top notch company with superb costumer service. It has been our experience with them to have quick qualifying times and solid approvals. I would highly recommend them for any of your lending needs. read more

Sheri Keene is the best!!! After having several less good experiences during my home buying journey, my realtor told me to give Sheri a call. From the start, Sheri was very straight forward, honest and patient. She is not about wasting time and although the process can become difficult and frustrating she's well informed, responsive and very professional! Six months after my initial phone call, she helped my husband and I close on a short sale! I would urge you to give Sheri your business she has my endorsement and complete confidence! read more

Our Loan Officer Sheri is AWESOME, also her assistant Rebekah. They were very helpful and made this process go as smooth as possible. We will definitely go back to Sheri when it is time to purchase another home, ect. As being 1st time VA home buyers the process was at times stressful but they made it go by smoothly and reassured us that it will be ok, and YES - it was OK - we are new home owners in Menifee and couldn't be happier! Thank you Sheri! Thank you Rebekah! and Thank you Inland Valley / Point Mtg.! read more

Kim England was the 4th Loan Agent I contacted when I started shopping for my new home and I am definitely glad I did. Kim was able to secure a loan one and a half times larger than was Quicken Loan or AmeriSave able to do. Kim and her assistant ( Also named Kim ) were knowledgeable, professional, prompt through out my home buying experience. As a first time buyer, I must have been quite a handful, as I bombarded them with questions and still more questions. These to went beyond their job description in assisting me. Seamless, smooth, The Kim's at IVHL delivered on time, within the estimated loan terms with money to spare!! The biggest financial decision of my life was the best one because of an outstanding expert in her field. I highly recommend Kim England at Inland Valley Home Loan. What a nice touch on the Omaha Steaks, thanks to you, the futures bright. Warmest regards and with gratitude. Morten read more

We have worked with Kim England in the past for our home purchase and now we worked with her again for the refi, always an excellent experience. Kim and her coworkers constantly kept us in the loop as to what was going on and let us know ASAP if anything was needed. They are all a pleasure to work with and we highly recommend them. They are honest and upfront, nothing is hidden and they explain everything thoroughly. We cannot say enough good things about Kim England and her coworkers. read more

Kim England and her staff associates were great. Any question I had during my process were answered promptly and thoroughly. Everything went smoothly and I couldn't have asked for more. I was kept in the loop the entire time so I didn't have to wonder what was going on. I would definitely use Kim England's services again. Thank you all for a great experience. read more

My husband and I would like to thank Sheri Keene so very much for making our loan process on our new home run so smoothly. She is professional, on top of everything, and the transaction was done in a timely fashion. Thank you again for a great experience! Jack & Sandra W read more

OK, how do I say this so everyone gets it.... YOU HAVE A HOME LOAN AGENT FOR LIFE! Believe this. I have worked with Kim England at Inland Valley Home Loans on a couple transactions and each time I am "wowed" by how efficient they make the process. I have purchased, re-financed, short-sold, lost homes over the years.. which means I have done this a few times. I have NEVER had an issue with Inland Valley Home Loans. Never. Think about that. Not even a delay. Expectations are set with what I feel is well thought out planning... and this is not easy to find in a business where it is crucial. I could not imagine going anywhere else... why would I risk the riff-raff that awaits with so many in the home loans industry. Trust, efficiency, courtesy and respect..... that is all I need to conduct business for life. Thanks Kim and team, you have made me happy once again. If you want more praises, call me at 415 310 9395 and I will talk all day long about how great this team is. Matt N., Temecula read more

Where do I start? Sheri Keene was the mortgage broker recommended by our realtor and we could not have asked for anyone better! Our escrow was a long and tedious process and Sheri was there every step of the way. Let me tell you, she went above and beyond her responsibilities to get our loan funded!! If you're looking for a trustworthy, hardworking lender, that'll get the job done, then Sheri is the person to go to. Hands down a true professional that will do her best job for you. read more

Sheri Keene was our loan officer and we can not say enough good things about her. She is a very kind, honest and hard working. We didn't use a realtor so her job was a little tougher than usual having to deal with both parties. She never said anything negative and helped us through everything. She was always available and willing to answer any questions. We now own our first home, and couldn't have done it with out her. read more

The worst transaction I've experienced in years. The loan officer was compared to a yappie Chihuahua. Never ending finger pointing, solution-less, down right rude and unprofessional. The list of problems were numerous. Every one of them lender based. NEVER again. My broker insists! read more