Didn't work out for me. It wasn't the brokerage but rather an agent. The Managing Broker took care…read moreof the problem of which I am grateful. Thank you.

Eric was recommended to us by our realtor, a friend I trust…read more So it is no surprise that Eric was fantastic to work with, and always went above and beyond to help us navigate the intricacies of getting our new loan, while we were dealing with selling our previous home and all of the fun stuff in between. He is super smart and knows his stuff, it is clear in the way he communicates and advises you when it comes to dealing with your mortgage. Not only is he brilliant and professional, he is also super approachable and really easy to talk to. He had us laughing even when looking at numbers made my head spin. I can't recommend Eric enough!

Eric is a charm. When someone comes recommended from so many friends, acquaintances and…read moreprofessional contacts, you have to give it a try! So I did. Eric helped us navigate our first refi from a privately held mortgage to the one that best suited our needs. We recently went back and did a second refi to take advantage of low rates and big equity gains. The refi took under 2 weeks from start to finish and Eric was there for every question, reminder, follow up and made the process seamless. Oh, and one year he sent us a Christmas gift card that my husband couldn't believe was from our refi guy!

I bought into an HOA. I had no idea what I was getting into. A little advice from the realtor would…read morehave been helpful, but I didn't get any helpful advice. When you buy into an HOA make sure you look at their finances before you purchase. Don't rely on your realtor,, all their concerned about is a profit.

she sold me a condo that had bad management, in debt. i had no idea what I was doing buying into an…read moreHOA. she should have at least me informed me to investigate the HOA before I bought. But the only thing on her mind was a profit.

Nick and his team helped me with a refi and with a competitive rate. Communication was on point…read moreand everything was straight forward. I would recommend him to family and friends all day.

Where to begin? Nick helped our family purchase a house in 2022 but worked with us for a couple…read moreyears leading up to that purchase. We were referred to Nick by our realtor and we're so grateful for this recommendation. In 2020, we began talking with Nick about our house purchase plans and goals. From the beginning, Nick was extremely helpful, answering all of our questions and responding quickly. He'd happily hop on a call to explain a process to us or thoroughly walk through all of our options. Between 2020 and 2022, the housing market took off and the pricing unpredictability and buyer competition was daunting to say the least. Nick gave us the confidence to continue our search, submit offers, and revise our strategy when an offer was not accepted due to the unprecedented competition. As rates and home prices increased, Nick took the time on multiple occasions to talk through the effects of the increases, the predictions for future rate hikes, and how we could be most competitive in this market. In 2022, we toured a house that we knew right away we'd love to call home. Nick made himself available over the weekend to get everything in order to submit the best possible offer we could. The sellers received multiple offers, some higher than ours, but our offer was chosen in the end - no doubt due to the solid loan terms and Nick's trusted reputation in the community. We can't recommend Nick enough. If you're looking to purchase a home with financing involved, reach out to him, you'll be glad you did!

"Charles was great to work with. He made the whole process easy and always kept me informed! He is…read morean incredibly hard working man that you will want on your side!" Bret

As a Realtor, it is very important to have an outstanding lender on your team. I have been working…read morewith Charles Johnson for almost a year and we have done numerous transactions together... including the purchase of my own "dream house." I highly recommend Charles as he is one of the hardest working and most diligent loan officers I have met during my career in real estate. Charles also possesses some of the highest standards of integrity in the business.

Shelby Elias is a joke. I called United Wholesale Lending as I was selling my mother's house and…read morebuying a duplex. I called Shelby and scheduled a walk through of my mother's house. He canceled twice on me, then the third appointment he said he was meeting me at said time. I drove to my mother's house to meet him. An hour after said time when he still hadn't shown I called him, he said he did a drive by and would get back to me. I never called him again. Hired another agent and sold my mom's house and bought the duplex. Seriously wouldn't recommend him to anyone.

Just started the process with Shelby and Peter. Kind, attentive and responding quickly to our refi…read moreneeds.

My wife and I decided to enter the crazy Sacramento Housing market and we knew we needed a good…read moreteam to get us through it. We found Julianne on a recommendation and filled out the "contact us" form on her website. Julianne called us the same day, and was quick to learn all about our situation as potential first time home buyers. Based on her exceptional responsiveness, acute awareness of the market, and personality, we selected her as our mortgage broker. Julianne was amazing throughout the entire process. She quickly got us pre-approved, explained all our loan options and we found a price budget that would work well for us. She paired us with an amazing real-estate agent and the combination of the two created a power team that allowed us to get our FHA offer accepted in the extremely competitive Sacramento Housing market within a reasonable budget and down payment. Julianne is a very hard worker, and closes quickly on the loans. We managed to close early on our 30 day close window despite some setbacks in underwriting. Julianne has remained responsive post-sale as well with any further pieces of information. Should we find the need to refinance or move we will definitely be reaching out to her again!

Julianne is so amazing and I'm truly blessed to have had her be part of my journey! I couldn't have…read moredone this without her! Not only is she sweet, but super supportive and knowledgeable.I felt like I was part of a Women Empowering group or Girls Who Rock Team!! No but Seriously, I'm so glad I met her. She walked me thru the entire process, answered all of my questions and was very prompt in doing so. I was so surprised to see how hands-on she was even with a 5day old newborn baby. Also, I just want to add.... She made time to do a zoom meeting with me while I was completing my signing/closing due to Covid-19.. that's unheard of! Outside the box! Everybody thought that was extremely caring and thoughtful, and we all know she did NOT have to do that. I'd definitely recommend her to my friends and family.

Unbelievable, unprofessional, and completely incompetent! Hawkins issued a mortgage approval…read moreletter, which I have a copy of since I am the seller, to a buyer that made an offer on my home. Then, after the papers were signed and we were ready for inspections, etc., Hawkins reneged on their letter saying the buyer didn't qualify! This kind of sloppy financing support was essentially eliminated back in the 1990s. If you are a seller DO NOT ACCEPT that a buyer is qualified to purchase your house IF THE LETTER COMES FROM HAWKINS! If you are a buyer, go find a reputable home finance company or bank/credit union. Shady dealings like this put everyone, buyer, seller and both Realestate brokers and their agents at risk. I have worked as a chief financial officer for most of my career and have never encountered such a disrespectable loan lender. Not only did Hawkins act unprofessionally, they have not responded to communications from our Realestate professionals that are asking what went wrong. Allow me to be clear, I am not placing blame on the buyer. Not everyone can afford the house they want, me included. It is the responsibility of finance companies to help us understand how much of a mortgage buyers will qualify for. Kind of basic. Yet even though this unconscionable error was made by Hawkins, they are unresponsive to communications. So, we don't know how they screwed up but it's fairly easy to guess. My guess is that despite specific requests for Hawkins to verify all documentation prior to issuing the approval letter (which came from my Realestate professional) it sure looks like they took short cuts and issued a letter before completing all of their due diligence. Since I am in the process of buying a new home myself, I am well aware of the seemingly unending documents requested by finance companies, sometimes even including tax returns. How Hawkins has been able to stay in business with their slack practices seems to have been mostly due to pure dumb luck. Either people don't complain when Hawkins screws up, or, they have been flat out lucky that people ended up qualifying when Hawkins prematurely issued approval letters. Buying and/or selling a home is a significant life event. Find reliable/reputable professionals to help you and DO NOT USE HAWKINS!

Upon reaching out to Lori and her team our first contact was with Leni whom was amiable and helped…read moreus through the application process, answered inquiries and made sure we knew she was available for anything we needed. Whether by text, phone, email, or video, Lori and her team were wonderful in assisting us with procuring our first home, providing clear communication and keeping us updated on the progress. Once we finished and all was done we even received a wonderful gift from them with our name on it to help celebrate the success of buying our home.