JJ, Lindsay and everyone at American Pacific Mortgage have been absolutely amazing to work with!…read moreThey are incredibly friendly, knowledgeable and willing to help by any means necessary. They took the time to answer all our questions and concerns. This is our first home buying experience and APM made sure we were comfortable every step of the way. Thank you all for your professionalism and willingness to help us!

Working with JJ Mack was a pleasure. From the start, Lindsay made it very easy. She worked with me,…read moregoing through all my numbers. The whole team was very on top of everything, letting me know what was needed and making sure all documents were in on time. Thank you all for such a smooth transition to a new home. Danny

Amanda helped me buy my first house earlier this year, and I went into the process knowing almost…read morenothing. Amanda had so much patience with me and was with me every step of the way through the buying process! Amanda and I worked together to find several listings that were in my price range and had the qualities I was looking for, and I was lucky enough to find a house that I loved in just a few days. Throughout the buying process, Amanda was so helpful! She would set up inspection appointments, make sure to be at the house for inspections, and keep me looped in as she learned more about the quality of the house. When I started to worry more about the older age of the house, Amanda provided recommendations on the types of specialty inspections I might want to pursue, and how we might use the information learned to negotiate my offer with the buyers. And she helped me negotiate a great offer that reduced the cost of the house and helped me to permanently buy down our interest rate! My partner and I have now lived in my house for 6 months and we love it. We're working to spruce up the backyard and are enjoying making the house our own. I'm so appreciative of all of Amanda's efforts to help me purchase my first home, and would highly recommend her to others who are looking for a amazing, local realtor! P.S. A few days before I got the keys, we had a massive storm and Amanda, unprompted, stopped by the house to make sure it was safe and standing, and sent me a bunch of pictures. WHO DOES THAT!? Amanda does!

Jenny is truly one in a million. She is the only real estate agent I've ever met who has a heart of…read morepure gold. I've worked with many agents in the past, but none of them have had the level of care, dedication, and genuine kindness that Jenny has for her clients. From the very first conversation, she was already planning every detail for my sale. She gathered information, created a clear plan, and sent everything to me right away. What impressed me most was how she stepped up when she realized I was handling everything on my own. She went out of her way to help me find contractors for the house. When one contractor didn't work out, she didn't give up--she went above and beyond to find another one for me. She even helped me find a gardener and arranged for someone to clean up my yard so the home would be ready to list. She didn't just act like an agent; she made me feel like a family member, like a little sister was helping me get through a very stressful time. Thanks to her hard work and guidance, my house sold in less than two weeks. But what really makes her special is that her care didn't stop once the house went pending or even after it sold. She made sure everything went smoothly all the way through closing so I didn't have to worry. She checked on me while I was staying in a hotel waiting for the transaction to complete and made sure I was okay. Jenny also fought to protect the value of my home. She worked with other agents and helped them and their clients understand the true worth of the property so I wouldn't lose money below the listing price. That meant so much to me, especially with everything I was going through. Even after closing, she still didn't disappear like many agents do. She helped coordinate with the new owners to make sure my mail was collected and forwarded to my new address. She truly goes beyond what anyone would ever expect--far beyond the typical job of a real estate agent. On top of all that, her communication is incredible. She is always there when you need her, any time of day. Even when she was out of state, she made sure someone on her team was available to help me. The moment she got back into town, she was texting and calling to check in, asking how things were and if there was anything else she could do. Jenny, Jaid, and her amazing team are more than just professionals--they are a blessing. I will absolutely continue to work with them for any future real estate needs. For me, Jenny is not just my agent. She has become like family, like a little sister and an angel sent to help me through one of the hardest times in my life. If you are wondering whether you can trust Jenny with your sale or purchase, my answer is simple: yes, 100%. You will not go wrong with her. She will be there for you from beginning to end--and even after that. Thank you so much, Jenny, and thank you to your entire team.

It was through an email I received about a free first home time buyer webinar that I came to know…read moreabout Jason Mata. I did additional research on him and saw stellar reviews about him. In addition, they provided discounts for UC Davis Alumni that helped with some of the closing costs which sold me. Being a single parent any financial assistance would come along way. My decision to purchase a home came to me suddenly. I came in as first time home buyer with limited knowledge on the home buying process. I knew I wanted a home with a two or three bedroom house. I began my home buying process in June 2020. The pre-approval was seamless. I knew I my credit score was excellent but I worried about my debt to ratio. I graduated with $22k in student loan debt. In 2019 I made the mistake of taking out an auto loan under my name for my friend. I would regret making this decision because it complicated the home buying process. I entered into escrow twice. First home was two bedroom and one bathroom. It was suited for a single mother and a child. The location was perfect. I was within in short driving distance to retail stores and Arden Mall. I placed an offer on the home. We were given 21 days to close escrow. American Pacific Mortgage failed to meet the deadline. They had requested for two extensions and still was not able to fulfill their deadline. Ultimately, the seller decided to cancel the sell of the house. I was devastated. I attributed this to my debt to ratio. My home buying journey had to continue. After a few houses later I was fortunate to have found a home within my pre-approval range. I went with my agent Alex Villanueva to go see and loved it! It had everything I wanted in a home. I placed an offer in August 2020. We were given a 30 days to close escrow. The seller asking price was slightly higher than my pre-approved home loan. My agent spoke with Jason and asked if he would be able to increase my pre-approved home loan to meet the seller's terms. Jason made it happen I was beyond ecstatic. As mentioned previously, the auto loan was negatively affecting my home loan process. This was placing a stop with getting my home loan approved. Jason and his team asked for an extension and the seller complied. At times was it hard to get into contact with Jason but attributed to working on getting the home loan. It was through my agent Alex that I found out that Jason had pulled strings and made my dreams of owning a home a dream come true! We were past our closing escrow deadline at this point. At the end, the home loaned was approved! I was finally able to breath a sigh of relief. I knew the home buying process would become be stressful but it would be worth it at the end. I officially became a home owner on October 15, 2020. Thank you to Jason Mata and American Pacific Mortgage for delivering!

I just did a refi with Jason during unprecedented (daily) changes to the market (covid19). Those…read morenew changes added a substantial amount of new work and obstacles to the process, including additional costs, time, etc, however Jason handled it with total professionalism the entire time. Whenever I emailed him with a question (which was a lot), he always either responded to the email within minutes, or called me back right away. With a different mortgage company a few years ago, I often had issues with getting a response (especially to the "dumb questions"), however I didn't have that issue with Jason. His responses were always quick & clear, which was really helpful since it was my first refi. Thanks again for going above and beyond in securing the best rate possible during such a difficult, stressful time. I will be recommending Jason to others.

I was referred to Corby and the folks at Tri-Point by one of the best investor flippers I've known…read more And I know why the best work with Corby. Most trustworthy and professional lender I have come to work with in my 11 years of real estate. Corby and his team have come through for me on numerous occasions funding real estate projects and deals that resulted in great returns on my flips. They are easy and simple to work with, the fees and terms are fair, but overall the amount of time to receive funding are within days! Compared to other lenders, where I had to jump through hoop after hoop, the process was simple and the timing is impeccable. The amount of time to receive funding can make or lose the deal.

The best private money lender in Sacramento area!!! Fast closings. No credit qualification.read more

Miss Aflleje went above and beyond helping us secure our auto loan. Even offered us a car charger…read morewhen she realized we didn't have one. She's a credit to the credit union. We shopped around extensively for the best rates for an auto loan and they were points lower than their competitors. Happy to have worked with Yolo.

This is a DOGSHIT Credit Union!!!!!!!!!!!!!!!!!! Nothing but problems since I took out this car…read moreloan. Trying to pay it off. Wouldn't take my pay off amount. Pay by phone, more issues. They screwed up my credit rating. This is made up B.S. Go somewhere else. I have dealt with many banks and credit unions over the years. Never had this problem with anyone else. If you go to the dealership and this shithole is their financing. Run away. Get your own financing. Report going to the NCUA.

If I could give Jeanine more than five stars, I would…read more Buying my first home at 63 years old after a lifetime of renting felt exciting, overwhelming, and at times downright terrifying. From the very beginning, Jeanine was so much more than a mortgage broker, she became a trusted guide through every step of the process. No question was ever too small. She patiently explained things I didn't understand, kept me informed every step of the way, and somehow made a very complex process feel manageable and even possible. Whenever a new document, underwriting request, insurance issue, or unexpected question came up, Jeanine was there with calm reassurance, knowledge, and practical solutions. What impressed me most was how deeply she cared. I never felt like just another client. She worked tirelessly behind the scenes, coordinated with my realtor, escrow, insurance broker, and lender, and always had my best interests at heart. I truly not only felt, but knew she was advocating for me throughout the entire process. Thanks to Jeanine, I am now the proud owner of my very first home. Looking back, I honestly don't know how I could have navigated this journey without her expertise, patience, encouragement, and unwavering support. If you're looking for someone who is knowledgeable, responsive, compassionate, and willing to go far above and beyond, I recommend Jeanine without hesitation. She helped make one of the biggest dreams of my life come true, and I will always be grateful.

Jeanine is the best! There couldn't have been an easier, informative, or blissful home buying…read moreexperience. Me and my husband reached out to Jeanine because I had known she came highly recommended on Facebook by Solano County community pages over the past years and knew she would be our go to mortgage broker when the time came. Thankfully she was easy to book a phone call with, and we started the process right away. We knew nothing about the VA loan when we first started looking into home buying, but Jeanine was so well informed about it that she answered all of our questions with ease. There was never a time we reached out to her that she wasn't readily available via text or phone call, so we highly trusted her to get the job time quickly. Even after closing, she remained in touch and let us know to reach out to her any time with any questions. She really is there for you your whole homebuying experience and after. I highly recommend Jeanine to anyone and everyone!

I found Providential Mortgage on Yelp after seeing all the great reviews and decided to reach out…read more I worked with Mike on my refinance, and I can't express enough how exceptional and seamless the entire experience was from start to finish. Mike was incredibly patient, thorough, and responsive. He was always on top of everything, kept us updated throughout the process, and truly had our best interests at heart. His reassurance and dedication made what could have been a stressful process feel smooth and manageable. Thank you so much, Mike, for your outstanding service! I highly recommend Providential Mortgage to anyone in need of a trusted and professional mortgage expert.

I would like to thank Mike Vo for helping my daughter to purchase her first home. She emailed Mike…read morethe required papers (W-2, tax returns, paystubs) on a Thursday and by the next day Friday Mike already provided her the pre-approval letter, outstanding! Once she found the property, we contacted Mike on a Monday to get things going, and 2 weeks later also on a Monday, everything was completed, papers signed, deed recorded, keys received. Only 2 weeks, wonderful! Mike was on top of everything, texts and emails were informative, timely, and always with very clear instructions. We're very glad we found Mike Vo and Providential Mortgage. We will contact Mike for all future home purchases and refinance needs. We highly recommend Mike to everyone for home finances. I kept saying "You're the best Mike". Thank You!

The process took longer than expected, but the end result was a loan with great terms. Thanks to…read moreRay, Tony, and Shannon in the Sacramento office for all the hard work!

Jason Mata and his team at American Pacific Mortgage, especially Cheyene DeWeese, made obtaining a…read moremortgage as simple and painless as it could possibly be. Jason made sure I had the right loan for my needs and was always available to give quick and intelligent answers to any questions I had. His patience and friendliness never faltered, even though some of my questions, in retrospect, were dumb. Jason is smart, dedicated, and genuinely kind, and it's hard to imagine a better guide through the process of financing a house.

My realtor referred me to Kathleen and I was very well taken care of as a first time homebuyer…read more Like others were praising, she provides a very competitive package and is very transparent with the whole process. She's a powerhouse in her field and makes sure her clients are educated and informed on each step of the process. Kathleen works with integrity and has a keen sense of timelines and has great ambition in getting the job done well. Her availability and consistent communication gave me peace of mind for time sensitive processes and I have already recommended her to my friends in the area and will continue to do so proudly. Thank you Kathleen for all your hard work and making for a fast and smooth close! This oscar goes to you!

Kathleen is a wonderful mortgage broker and a superior person. She helped me prequalify for a loan…read morein record time, and a did a wonderful job explaining the process. Additionally, she went above and beyond to provide me with the information I needed to make an informed choice regarding a specific property. Thank you, Kathleen!