My husband and I started the process of buying our home pretty unexpectedly. We met with a lender…read morewho had been recommended to us, but while they were polite and direct, it was not their job, nor was it in their best interest to be particularly helpful, or informative about the process. We weren't happy with the numbers they had to show us, and if we had had more time, we or only would have taken a class to learn more about what we were doing . Then we were introduced to Mr. Brian Werner. What a difference!!! Our initial meeting with him was all about him breaking down the process, what the closing costs were, where they went, and how they were paid for. He took our income and credit information and how much we had down, and with the access he had to so many different lenders, he was able to get our monthly payment where we wanted it. He worked as a guide through the whole process, we felt so well taken care of, and cannot WAIT to be able to recommend him to someone we know who needs his help.

From the owner: We offer Conventional, FHA, VA, USDA financing as well as non-QM products-Private money financing…read more Great wholesale mortgage rates, with attention to details and providing a personalized experience throughout each transaction.

I have been working with Bobby for years now. I can't say enough good things about him and his…read morewonderful staff! Talk about getting the job done while also having a fun enjoyable experience! They will not only strategize to find you the best loan program, but they will also help you with your long term financial goals with Bobby's extensive expertise. Highly recommend!

Terrible experience. Our loan was delayed due to internal office miscommunication and…read moreun-organization, ultimately causing it to be denied. But of course we're patronized and judged because it was things "we" did incorrectly that caused our loan to be approved and then not approved and then approved and then not approved. No accountability for the office's mis-steps. I would recommend going elsewhere.

We had an escrow with Corine Hatfield. Now I don't begrudge a vacation...we all need them, but…read moreCorine went on vacation for 12 days and her team dropped the ball on this file completely. When she returned she guaranteed we could close on time. Well we are several days past the scheduled close date, and not only are we late in closing, but we have emailed several times to her and her team, and we get no communication back. There has been no apology, nor any accountability. I wouldn't use this office to finance a cardboard box.

Corine is a hard worker. She will get you the very best deal possible. You won't be disappointed!read more

We are so grateful for Ray and Patti. At our first…read moreconsultation with Ray, we were impressed by his professional demeanor and personable approach. Before we committed, we met with him to gather more information and found Ray to be exceptionally clear and straightforward when explaining the process to us. We had no hesitation about choosing him for our mortgage lending needs. He possesses an in-depth knowledge of the mortgage lending process and guided us through every step. He worked tirelessly on our behalf to secure the best possible rates and tailored options to fit our needs, all while making sure we understood every detail. Thankfully, Ray was able to help us navigate the entire process with not even one concern. He responded to every text and phone call quickly and never left us feeling lost in the process. In fact, we were so pleased with him that we recommended him to family and close friends who were also looking to buy a house. Another benefit was that he introduced us to the realtor that we loved working with. At the end of our journey, we were able to buy the house of our dreams with a fast close and no money down. I can fully, in good conscience, say that Ray and his team will take great care of you and make home buying a pleasant experience.

I've worked with Ray for 7 years and From the first day I spoke with Ray he was more like family,…read morehe is very knowledgeable and will get you the best deal for your loan. I do not hesitant recommending his service's to anyone and everyone, Ray is the best !

11/10/25 GREATNESS!…read moreBrand new ATM! Really easy to use. Deposited cash and it is set up to scan card to verify. Neat! Easy to do too! Convenient! GREAT ATM! Highly recommended!

Great quick and easy service! The Branch Manager was very helpful and informative. The office is…read morevery nice and inviting.

We never expected to get such great results so quickly. Our agent made everything fall into place…read morewith little effort on our part. Thank you.

Before I started this review, I went into the roster for Realty Concepts just to count the number…read moreof family names, holding a Real Estate license, who are currently employed by this broker, JP. At 220 licensed employees, I stopped counting. If you read the opening Web Site page, you will notice that Realty Concepts is a "Family Own Business". Wow, I have never seen such a large FAMILY with so many licensed Realtors in my life!! JP wants you to believe that they are all family. People, this is called deception at it's best. My wife and I contacted Realty Concepts because we were new to the area, did not know anything about country living, they had good reviews, and Cathie Jensen seemed like a very honest person. We were a little gun shy because we are both seniors, and people take advantage of seniors. (62 and 74) Looking for our retirement home, and laying out a big investment was a huge step for both of us. Our very first day with Cathie, she not only filled us with lies, but also committed fraud a get this purchase into escrow. Cathie was out of state on vacation, and never told us. Half way through the 35 day escrow, so many things were going wrong, manager Rick Tomasello took over the sale, because we refused to have Cathie represent us any further. This entire 35 day escrow, was a total disaster. We felt even Mr. Tomasello failed his responsibilities to us. Months after the close of escrow, we took our complaints to the Broker JP, hoping for some answers to our concerns about the sale. The management of Realty Concepts laughed at us during the conference meeting that JP had scheduled. After that, JP has turned his back to this issue, and has walked away. Professional?? I'm retired law enforcement for L.A., and I will continue to do my best to warn people, of the reckless and criminal people that plague society. Don't ever trust Realty Concepts of Fresno. We have lost thousands and thousands of dollars. This will go to court.

VFCU has moved but luckily we found some of the sane employees at the Clovis branch on Willow which…read moremy mom liked. Unfortunately this location appear to be an express stop where the tellers are on video conference not in person. We needed assistance a customer service live person was available but standing room only no chairs offered to us. Service has usually been friendly but on our last visit I was taken off guard by the employee. The young lady was confrontational and lecturing toward my 80year old mother. She would look away gasp in frustration. She has assisted us before but never behaved like this. Let's hope she was just having a really bad day. Quality Value

Worst bank ever and staff! A heads up they're on their lunch instead of standing at the atm machine…read morethat "help" this is bs

As a local home inspector I get to meet a lot of Real Estate agents. I had the pleasure of…read moreinspecting a property for Rip this week in Clovis. I'm glad we connected. Rip is a great guy, knows the industry well and treated me with kindness and befriended me within minutes. It's difficult at times to develop trusting relationships as a home inspector because we are always "the guy" finding problems. I felt like Rip completely supported my role and the work I was doing for his client. I'd highly recommend him to anyone looking to buy or sell a home.

Rip and Diana are the best agents and now great friends! They helped us find our dream home and…read moremade the process of buying our first home an awesome experience. I would recommend their services to anyone. Thank you Team Hovde!!!!!