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    Valley First Credit Union

    2.3 (15 reviews)
    Closed Closed

    Services - Valley First Credit Union

    Auto loan

    Mortgage services

    Personal banking

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    Recommended Reviews - Valley First Credit Union

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    1 year ago

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    3 years ago

    Great Customer Service, they are very friendly & always takes care of your needs. Their fantastic!!

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    3 years ago

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    5 years ago

    This bank is horrible do not use keep looking they do not answer the phone nor will they call you back

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    3 years ago

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    4 years ago

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    7 years ago

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    Valley First C.

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    11 years ago

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    Ask the Community - Valley First Credit Union

    Brittany Armenta - Keller Williams East County - Congratulations on your new home!

    Brittany Armenta - Keller Williams East County

    (142 reviews)

    We had an amazing experience working with Leticia Sanchez and her team throughout the sale of our…read morehome. From start to finish, she was knowledgeable, responsive, organized, and truly had our best interests in mind every step of the way. Selling a home and aligning it with the purchase of a new one can be stressful, but Leticia made the entire process feel smooth and manageable with her guidance and constant communication. She went above and beyond to answer our questions, keep us informed, and ensure everything stayed on track. Her professionalism, attention to detail, and dedication really stood out, and we always felt supported during such an important transition. We are so grateful for all of her hard work and would highly recommend Leticia to anyone looking to buy or sell a home. Thank you again for helping us successfully sell our home!

    My wife and I chose Megan Salazar as our realtor for our home purchase. Megan made the process…read moresmooth and painless. Her communication was clear, understandable, and transparent. She was very trustworthy and always made herself available. She happened to be on vacation during negotiations and i would have never known if she hadnt told us, because she was working on our purchase the whole time without delay. She connected us with an amazing mortgage broker as well. The whole process was seamless. Megan was able to pivot as needed and made sure we never felt stressed out or worried. Thank you for your amazing work! We would definitely recommend Brittany, Megan and their team when you enter the market!

    loanDepot - Debbie George, Senior Loan Consultant, NMLS: 214670

    loanDepot

    (23 reviews)

    The worst experience possible. Where do I even start. I…read moreguess plain and simple, Ana doesn't know much about home loans. First Ana was giving us incredibly inaccurate expectations of loans we could use. She didn't know that loans were different based on a stick built home vs a manufactured home. This is huge change of interest rate from what she has originally quoted us. Next as rates were climbing rapidly, after several percent increases, Ana asked us if we would like to lock in the interest rate. Where is the common sense and common decency? Integrity? She clearly doesn't care about her customers. We found the home. Made the offer. Got accepted. In contact. Our interest rate we locked in at was feeling good but tight. A week before closing Ana realized a huge detail SHE overlooked. We didn't actually qualify for the loan she had us ready to sign. This was after several docusigns had been signed and thousands off dollars had gone into contract. Now we either lose our down payment or are forced into a loan with a higher interest rate by a whole percent more! Ana doesn't know simple math. She tried telling us several times that this monumental mistake she made would only cause a $30 change over the life of the loan it's over $210 per month price difference. I spoke with John the manager and he was nice enough but no help. It's insane to me that a company like this even exists. How can they put their customers in the position of losing so much by mistakes made by their employees and have zero accountability? Save yourself a ton of time, money and headache and go elsewhere.

    USE SOMEONE ELSE! We…read moredecided to use them (we were the buyers) because the seller was offering a credit if we did. In the end..it was NOT worth it. Bad communication, seemed as if every corner they were trying to force hidden charges to the buyer. BAD experience, lack of communication within their team and the seller...felt like they were only trying to make a buck at our expense (elderly on fixed income) Even the inspectors, repair cos. involved were frustrated with them. So glad we are done with them.

    Chris Kamali - US Bank - Great loan programs and rates!

    Chris Kamali - US Bank

    (118 reviews)

    We are closing on a house this week and had to share our fantastic experience working with Chris!…read moreFrom start to finish, he made the entire process feel easy and seamless. Chris was always responsive, communicative, and proactive about keeping us informed at every step. He answered all of our questions quickly and clearly, which gave us so much peace of mind during what can be a stressful process. Beyond that, he's just a genuinely personable and kind person, just an absolute pleasure to work with. We're so grateful for his expertise and support, and wouldn't hesitate to recommend him to anyone looking for a smooth, efficient home loan experience!

    Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

    Michele Lazaro - Crown Key Realty

    Michele Lazaro - Crown Key Realty

    (31 reviews)

    Michele is an amazing realtor. She is punctual, realistic, reliable and so much more. She handled…read moremultiple home transactions from selling to buying. She always followed through quickly and kept me in the loop every step of the way. She is highly recommended. Thank you again Michele for all you have done you are the best. She truly values her clients.

    Updated review. I…read morehave used Michele to buy and sell my homes for a total of 3 times now. I will never use Michele again because she is money driven and does not look for the greater good of her clients. Rewind time about 5 years ago when my husband and I were young and we just had given birth to our baby. Michele boasts she is family oriented and her work ethic is for the good of her clients. However, the home we were looking to buy was built in 1953 flat roof with tar and rocks as the roof. Michele ordered our home inspection a man who just briefly looked over our entire home and said it was pretty much good to go. I understand as new home buyers, you should do some research before buying a home and being Michele's client definitely was an example. The next rain season, our roof had major issues and was leaking. When I hired a roofing company to take a look he was appalled how our roof passed inspection. I asked Michele who stated the report said the roof only required some new rocks on certain areas. Fast forward this year, we were buying another home and this time my husband's parents were involved. Michele ordered a thorough home inspection but only requested the seller to fix the mandatory issues. When we moved in, the home was still filled with the old owner's junk. Michele told my father in law she would get him a Home Depot card to fix all the other issues with the home. However, she sent us a box of fruit. Michele was unable to answer me when I asked several times why she only ordered a visual inspection of roof. She never advised us or helped us to obtain a thorough roof inspection of our older home. The roof damages were over $20,000 and we sold that home at a lot lower value. I believe Michele intentionally did not order a thorough roof inspection as young, ignorant first time home buyers, we would give her a sale. I find it hard with Michele's time and experience as a realtor, she would over look or forget to order a thorough roof inspection.

    Valley First Credit Union - banks - Updated May 2026

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