First time home buyer and Jeanine took care of us like family. She took calls and responded to…read moretexts at any time of the day. She was able to answer my questions in terms that I would understand. From the start she knew our concerns and worked around it such as hard and soft credit checks. She was amazing to have on our side because once we started putting in offers, she was able to accomodate any timeline our realtor put to have a competitive edge. Besides her website providing notifications and reminders, she personally texted to remind us what documents were pending. She was able to get us a good interest rate and really broke down the differences in how much we put down and how that would affect the interest rates. She even broke down future recasts and how that would lower our montly payments. I'm glad to say she'll be my broker for life or until she retires. Can't wait for her call to say lets refinance when the interest rates lower.

Jeanine was wonderful to work with, especially as a first time buyer. We had a LOT of questions and…read moreshe was quick to answer them, and was easily reachable when needed. She was diligent about sending us reminders and kept us on track with to do lists, which was so helpful. She also helped explain things easily so we could understand. Our whole buying/loan process went by quickly and very smoothly with her guidance. Even post closing she has been so helpful to us and we really value Jeanine's expertise and care.

I've worked with Chrissy on multiple transactions. Communication is important and Chrissy was…read morealways so attentive. Looking forward working with her in the future! I would definitely recommend Chrissy and her team!

Chrissy served as the most important link in getting us into our dream home. She is a knowledgeable…read moreexpert who also possess the gift of communication and sincerity. She was able to answer all of our questions and guided us through the loan process from approval to completion. We cannot thank Chrissy enough and recommend her highly as a professional in real estate and home loans.

The Best in the West! Working with Ellen Kohagura couldn't…read morebe easier! Ellen made us feel as though we were the only client she was working with. She was so responsive and always on point. Ellen always had the answer and was our voice of reason. She helped us through the process from begining to end and made the entire process easy. I would recommend Napa Valley Lending to anyone and everyone looking to buy a home or refinance the home they have. I simply can't put into words how much Ellen and her team made us feel at ease throughout the whole process! Thank you!

Ellen is amazing to work with as a Broker. I have lived in Napa for 36 years and never experienced…read moreanyone as knowledgeable and professional. My husband and I have used Napa Valley Lending twice for home refinancing. Each process was easy and not stressful. Ellen is a rockstar and gets your loan to close in a timely manner. If you want the Best, this is the Broker to use.

As a Realtor, there was never a question in my mind who I would trust to handle my 23-year-old…read moredaughter's first home purchase--George Kalis, without hesitation. In a world full of lenders, George stands in a category of his own. He is not only incredibly knowledgeable and professional, but he leads with integrity, wisdom, and a genuine care for people that is rare to find. From the very beginning, I knew my daughter and son-in-law were in the best hands. George didn't just get them approved--he guided them, protected them, and treated them as if they were his own. That level of care means everything to me as both a mom and a real estate professional. What truly sets George apart is who he is as a human. He showed up to their signing, stayed the entire time, and then spent even more time with them afterward--pouring into them, sharing life lessons, talking about investing, and setting them up mentally for their financial future. That is something you simply don't see anymore. He speaks with authority, yet remains so relatable. His message about focusing on solutions instead of problems is something that will stick with them (and me) for years to come. George is more than a lender--he is a mentor, a leader in our community, and someone I admire deeply. If you have the opportunity to work with him, take it. You won't just gain a lender--you'll gain someone who truly cares about your future. Forever grateful we chose him.

I had an outstanding experience working with George R. Kalis, Area Manager at CrossCountry…read moreMortgage. George was extremely knowledgeable, responsive, and genuinely committed to helping me navigate the mortgage process with confidence. He took the time to explain all my options clearly, answered every question promptly, and made what can be a stressful experience feel smooth and manageable. His expertise and personal attention made all the difference -- I always felt supported and well-informed. I highly recommend George to anyone looking for a trusted mortgage professional who truly cares about their clients.

I wrote a prior review for George Kalis when his business was called "PHE Mortgage Lending". now…read morewrite this review in support of George Kalis and his team, which now is doing business as "Network Independent Mortgage Brokers" ("NIMB") . George and his team, whether as PHE MORTGAGE, or NIMB, has stood by me throughout the years. Mostly recently, George and his team helped me refinance my home expediently, efficiently, and with care. Prior to this, George Kalis helped me to move into my home in Fairfield in 2017. At one point, the loan was about to fail b/c of funding issues. Most lenders would have "passed" on me b/c it was a complicated process to "save" this. He stood by me. In fact, by the time, I realized my loan was failing, he had already taken steps to tell me what he needed to "fix" this. Instead of telling me he could not help. He directed and guided my loan to success and closing. I stand for you George, b/c you stand for me, as your client and friend. This has made all the difference in my life and for my family.

We had a great experience buying our first home with Kelly. There's A LOT to wrap your head around…read moreand she did a good job walking us through everything. While I think it's impossible to completely avoid confusion during this process she helped avoid a lot of the worst headaches and everything worked out well in the end. We weren't exactly shopping around to find the most competitive rates or anything but were recommended this local lender by our realtor who we trust and it all wen smoothly. My only complaint would be sometimes she'd get a bit TOO into the weeds of explaining every detail in some Byzantine loan process which could stretch phone calls on quite a bit. However the support team that helped us with the more day to day aspects of our application were super useful in getting things over the finish line (thank you Pam!).

Kelly and Mark were an absolute pleasure to work with. Kelly is adamant about educating her…read moreclients, sometimes "overeducating", (her word not mine!) but all to the benefit of her clients. She was punctual and maintained excellent communication throughout the process of initial mortgage loan and refinance. I was updated every step of the way and would highly recommend her! Thank you, Kelly!

Lisa, Sara and Jim, thank you! You've worked so hard to get us into our forever home. We had issues…read morearise and Sara took it by the reigns. Overall, working with this company was the EASIEST part of the home buying process. Their attention to detail and commitment was so reassuring for us. Sara said when she gets her eyes on a goal, she achieves it. We are currently moving into our home because of the 3 of them. Thank you so so much for all you did for us!

Solano Mortgage always comes through for my clients. I cannot say enough great things about Lisa,…read moreSara and Jim. They are prompt and available when I need them to connect with someone interested in purchasing property. Jim Porter is the most knowledgeable guy in the business and I ask him my toughest client and personal investing questions. Such a great resource and they are right here in Vacaville!

We cannot recommend Chris enough! As first-time home buyers using a VA loan, we quickly realized…read morenot every broker truly understands the VA process. After a frustrating experience with another broker, finding Chris completely changed everything for us. Chris was incredibly patient, knowledgeable, and always one step ahead throughout the entire process. He constantly kept us updated, answered every question we had, and even guided us on what we needed to do financially to put ourselves in the best position possible for our dream home. What impressed us the most was his work ethic. Chris worked around the clock, including weekends, to make this happen for us in just a couple of months. We genuinely thought this process would take much longer, but he made everything feel smooth and possible. Buying our first home felt overwhelming at first, but Chris made us feel supported every step of the way. We are so grateful for everything he did for our family and will forever recommend him to anyone looking to purchase a home. Thank you again, Chris, for helping make our dream a reality!!! You're the best!!

Chris was fantastic to work with for our recent home purchase in Vacaville. This was our first time…read morefinding financing outside of a builder's lender and Chris was great at explaining every step along the way plus answering all of our questions. We also really appreciated that he was able to dig deep and match a national lender's rate that popped up right before closing. Chris was knowledgeable, responsive, and made the whole process feel genuinely human--very different from dealing with a large lender where you're just a number. I'd absolutely recommend working with him.

Cyndi Hardy was extremely helpful during our search for a home and in helping…read moreus to secure a letter of approval and our home loan. We enjoyed working with her and we will recommend her to friends and family!

I would give more than 5 stars if I could!…read more Scott Lawson is an incredible mortgage broker. As a first time home buyer, he made the process so seamless. I had absolutely no idea what the home buying process entailed, and Scott did an amazing job helping me through the entire thing and answering the dozens of questions I would call and ask him almost every day. He was extremely communicative and kept me in the loop which helped ease my nerves, and was always willing to explain everything in an easy way for me to understand. I would highly recommend working with Scott to anyone looking to purchase a home. It was an incredible experience and I feel so lucky to have had him to help through the whole process!

If anyone is looking for a straight killer in the feilds of home loans Scott is your guy!…read more This man worked day and night for me. Met with me at my home at 8 o'clock at night twice. Worked around my schegual. He went to offices of poeple he needed my info from. This man is best described as a Robot working non-stop to get you your loan hitting all targets with precision and accuracy. Thank you for everything Scott