John and team were just amazing. They were competitive when I was shopping around for my first mortgage loan. Martha walked me through the process at least twice and really helped me understand this big decision. John worked flawlessly with our buying agent and provided really competitive timelines which was the driving force in getting our offer accepted in a competitive market. He would often call me after hours to give me updates and was always asking if I had questions every step of the way. I cannot express how easy the team made it, although getting ALL THOSE DOCUMENTS to them was super stressful! They were understanding and patient, gently pushing when we were close to deadlines. So so so thankful for them and allowing us to purchase our first home! read more

Slow at responding and did not follow through with what I was told. Unfortunately, there were some things on my end that I need to do, and perhaps that is why the thoughtfulness and effort lacked. But regardless, there were multiple instances when I was suppose to get a call back, and I was the one reaching out. Whether you qualify immediately, or after some time- I prefer to have someone who's considerate regardless of their quick dollar. Very inconsiderate- and too busy juggling two very different locations. Go to someone else! read more

I financed a home through Summit. I waited the MINIMUM time before I refinanced, due to the TERRIBLE service from SUMMIT. In the first three months, I received TWO late notices (and associated late fees) when summit had me set up on an "automatic payment" withdrawal program... and had indeed withdrawn the payments. Calling the office got you a snotty, less then helpful person sending me to yet another person who was of no help.... Eventually, I did get things fixed, but it took every bit of 90 days and changing bank accounts! The final straw, however, was Summit failing to pay my property taxes on time, or in full... getting me a late fee in the process (keeping in mind the escrow/impounds were FULLY funded through escrow upon purchase). "Property Taxes are the responsibility of the homeowner" was the only response I got....even though the "Autopay"/impounds were REQUIRED for Summit to offer the competitive rate.... NOW, 6 years later, John King is robo-calling every week to remind me of how low the rates are, how much equity I can cash in, and how fantastic the market is. I've called back, answered the calls, and opted out every which way I know...including blocking phone #'s... STOP the friggin calls! You had one chance at my business. You blew it!!! FOUR separate incidents to redeem yourself, FAILING each time... and you cost me $$$$$$!!! NOW you are ROBOcalling... Avoid this clown and ANYTHING having to do with SUMMIT Funding!!!! read more

I contacted John after finding his videos on YouTube. I particularly liked the one saying that it's never to early to start talking to a loan officer and decided to take the chance. John got back to me quickly (within an hour). I submitted my information and supporting documents over the next few days and very quickly his staff reached out to me to set up a video conference since I don't live very close to the office. Th experience was great and I got lots of good information. I left with a plan and knowing exactly what I need to work on and I look forward to coming back in a few months to start the process of finding a new home. read more

My husband and I are on the beginning stages of preparing to buy our first home together. I currently own a home, been in this house since 2009, so I understand the home buying process and what I needed to do in advance to get into this house. The home we want is higher priced and a brand new build. I reached out to John King and his team to see if they can assist us with understand what we need to do now in order to qualify for our dream home in a year. John met with us on a Saturday, not his normal working day, and spent over an hour going over our current finances, our current credit scores, details on the different loan options available, and what we need to do over the next year to be able to walk into his door again and get pre-qualified for our house. He was patient, answered all of our questions, and was just really awesome to work with. I highly recommend John King & his team when getting ready to buy your home. I look forward to working with him again when my husband and I are officially ready to purchase our home! read more

Great service and great people! They will walk you through every step. Always communicating and easy to get a hold of. They make the whole process so stress free! read more

When you think of 5-star service it conjures up the finest hotels around the world and the experience you had. Though I have known John for awhile, I have only recently begun to use him as my preferred loan officer and he provides the "5-star" service" you need and deserve in this business. As a long term real estate agent in the Central Valley, I have very specific requirements for what I expect from my service providers. I expect: 1) Excellent and timely communication-John and his team excel in this area providing proactive and milestone communication throughout the process of the loan from the time of the initial interview of the buyer up until close of escrow. Not only does he does this for me as the selling agent, he also communicates the same level with the listing agent. And as you know, knowing what is going on, goes a long way towards having a stress-free real estate transaction. 2) Response time-Did you ever call a service provider and their voicemail says "I will return your call within 24-48 hours?" Holy smoke, a lot happens in that length of time. If I send an e-mail or leave a VM message, I expect rapid response. Yes, sometimes people are in an appointment and can't give a direct response at that moment, but it is not unusual at all to get a response from John in 3-5 minutes. If he is in a meeting, he will have his staff follow up. He truly understands the need for quick response. 3) Accountability and Responsibility-though I have yet to experience a hiccup in any transaction with John, he has committed to take responsibility and the way he works and his transparency provide strong evidence that there will never be an issue here. John is a systems guy, extremely organized and prepared. In my initial meeting with him, which lasted about 45 minutes to an hour he took notes and in my 2nd meeting with him, he had a full presentation for me customized specifically for me. He listens and he cares and he is committed to my success and that shows. I could go on and provide more detail about John and his team, Kandy Gaines (who has an abundance of escrow experience, which provides huge value on the loan side), and Debbie Aynaga, a processor with tons of experience. John was very deliberate in putting this team together and they work cohesively, and provide an outstanding experience. If you are searching for a Loan Officer, whether you are a buyer looking to purchase a home, or a real estate agent looking to form a solid business relationship, I, without reservation, strongly endorse and recommend John King and his team! read more

I appreciate all of Johns help and knowledge in guiding us through the loan process. He keeps up-to-date with all the new rules and is always available to help when needed. John is very trustworthy and knows his stuff. Thank you! read more

John worked quickly and professionally to close a loan for buyers 2 years from BK...awesome loan officer!

Very professional, friendly staff, and honest. I have processed several loans with John over the years and he always goes the extra mile and looks for the best course of action. The team clearly explains the whole loan process step by step and finds the best rate. read more

I was referred to John King by my realtor, and he handled my home loan in 2012--got us a great interest rate. In the ensuing years, a couple of times other agents told me that I should refinance, but John advised against it and explained why--even though it meant that he missed that commission. Then, when the time **was** right to refinance, he did advise doing so. Unfortunately, I wasn't ready. By the time I was ready, the laws or interest rates or whatever (I'm obviously no financial guru) had changed again, and it wasn't in my best interests, and again, he gave me the straight scoop, sacrificing an easy commission. He is honest and so great at what he does and so willing to explain each step of the way. My daughter and her boyfriend are now in the market for a first home, and met with him this morning. DD was turning cartwheels afterward when she told me about the appointment, she was so happy--because both she and her bf had a wonderfully positive experience and feel confident that he will be able to help them get what they want out of life. (At least as far as buying a home is concerned!) And daughter was so worried about all the things she didn't understand about the ins and outs of buying a first home, and now she isn't. He took so much time to explain everything to them! And I'm relieved...I know there are a lot of folks out there only interested in earning a commission. With John you always know that he has your best interests at heart. read more