I worked with Andrew and he was amazing! It was my first time buying a home and he helped me so…read moremuch. He helped me get a great interest rate. He made the process fast and easy! He also answered my questions and concerns day and night...My Loan was approved and done a week before the date expected! I would recommend him and envoy mortgage to anyone who is trying to buy a new home! You will definitely be in great trusting hands!

From the owner: Envoy is one of the top mortgage lenders in Turlock, CA. We are committed to providing a…read morestress-free home buying process. We offer FHA loans, VA loans and many other home loans, at some of the best mortgage rates Turlock has to offer.

My wife and I had purchased and refinanced a couple of homes. This would be our third home…read morepurchase. We have good credit with good income, and are always quick to respond to what documents are needed, looking ahead in the process. Having compared the process with past lenders, I feel like Hano and the team could've done better in informing us ahead of what is still needed and avoid having us re-submit and re-explain things that was already done. Overall, we are still happy that Hano and his team was able to close the loan with the interest rate we've decided to lock. We would happily recommend him and his team.

We used Hano 5 years ago when we purchased our home and couldn't have imagined using anyone else…read morewhen we sold the home and recently Purchased a new one. He was easy to get a hold of And a great problem solver. Hano explained things when I was confused and was always patient with my million questions. I would highly recommend Hano and his team.

A very well informed and knowledgeable lender. She was able to get my wife and i our first home…read moretogether in a quick amount of time with the lowest APR we qualified for. The whole process went so fast after getting offer accepted by the seller. Any questions i had were answered, i was also given other useful information i had no idea of. She also made the process of getting the keyes to home very special and memorable for us with lots of pictures and videos and house warming gifts. Would recommend to any first time or experienced home buyer!

From the owner: At Valley Home Lending Inc., with over 20 years of expertise and a specialty in custom mortgage…read moresolutions, we turn home buying and mortgage challenges into seamless experiences. Our team is dedicated to finding the perfect loan option for you, ensuring a smooth journey to your dream home. Trust us to make your home financing straightforward and personalized.

The worst place to go for any credit repair programs. Super unprofessional!!! They will take your…read moremoney and not produce results. I hope nobody gets their money taken and treated the way I have been treated by this business. Go anywhere else! UPDATE to the comment Maria left: nobody wanted a quick fix. I knew the process. And I was NEVER refunded completely. That is a lie. I was refunded $89 for the second month. Not the down payment $250, not the credit monitoring program that I was charged twice... where are those reimbursement fees? And it wasn't 2.5 weeks later Maria. Get a grip on your lying... or be involved with your customers and their profiles. It was already two and a half months. AND as I re-call... you were good at texting but never making a phone call. And when the phone call came in... I got someone else who was NOT you. Be the "BOSS" and handle your dissatisfied customers. Anyone that would like proof of the money I sent them and what I was reimbursed I will gladly provide statements. And then text my conversations where I asked her numerous times to call me and she would not. Because in her words "nothing would get resolved." Instead of dealing with a dissatisfied customer first she had SOMEONE else call me the next day at 7pm. Which I can also provide proof. In summary, don't waste your time or money to have to go through all of this for a service any other company will be willing to do HAPPILY. Anyone can message me and I have actually found people who feel her office has just dropped the ball in aspects of their business services. I really wish someone would have warned me.

I highly recommend Erica! She was very helpful and was able to assist me with any questions I have…read moreor getting information.. Great experience and she's Bilingual!! Thanks Again Erica!!

My wife and I looked for a home for over a year. Once we found one we liked, we realized we'd need…read morea lender ASAP since there were offers on the house. We went with our agents recommendation of First Cal, and we were off and running. Given this was our first time buying a home, I didn't realize the importance of your lender. If your loan goes smoothly, you might wonder why you have to pay these people all those fees at closing. However, sometimes paperwork and obtaining a loan isn't a walk in the park. That's when you really want a local lender who is going to take care of your needs. Also, having someone local is good because if you go with a place online, there might be time differences that make communication more difficult. Michael would tell you himself that our loan didn't breeze by his desk with no hiccups. In fact quite the opposite. However, the entire time I was grateful to a local lender who cared about our loan. I know for a fact Michael went well out of his way to make sure our loan was processed. It's likely your home loan will go super smooth. However, just in case it doesn't - I suggest going with First Cal because they will be there if you need them.

From the owner: First Cal Turlock is responsible for helping our California customers and business partners find…read morethe right loan and at the right terms. They stays current on a wide variety of mortgage programs, including FHA and VA programs, Fannie Mae conforming and HomePath loans, as well as jumbo loans. All Loan Advisors are dedicated to finding the very best loan for our borrowers--and ensuring they receive personalized, attentive service in the process.

Absolutely fantastic experience with Dennis at Cornerstone. He and his assistant Armando are very…read moreprofessional and respond to questions via phone calls and email quickly . They really go above and beyond on customer service. Dennis is so patient, kind and beyond knowledgeable. He went over buying down points and gave me a break down of what it would equate in dollars so I could make the best decision for my self. A much more personal experience than what you would get a large lending bank like Wells Fargo or B of A. Will definitely use him again in the future and will recommend him to anyone who is looking to buy a house or refinance their loan.

Angeles was recommended to me by my parents whom she helped to purchase their home…read more Angeles is well experienced and efficient. She sold our home three days from it being listed and it closed in two weeks. It was all done flawlessly. She knows how to keep the process moving along and was great at communicating everything.

Angeles was recommended to us by my sister-in-law who purchased a home a couple of years ago. When…read morewe first contacted Angeles in 2020 she was very willing in helping us, however my husband and I needed more preparation to move on with purchasing our home at the time. Fast forward to 2024, we decided to contact Angeles one more time because we felt a very strong connection with her since 2020. We knew she would be the perfect realtor and she would correctly guide us through the process. Angeles was willing to work with us even though we were located in the bay area (Napa / Vallejo). Angeles was very clear and very professional when walking us through our journey. This women is beyond knowledgeable about her work and she is willing to go above and beyond her workload! When I say she was very helpful from start to finish I truly mean it. From options, recommendations, resources, experiences, house tours, time , communication and friendship she has it all. Angeles is always willing to put our interests first and making sure we are being fully satisfied with our purchase and making sure our needs are being met. She is willing to fight and advocate for us in any situation. Even though we bought our home about 1 month ago Angeles is still answering our questions and concerns we have. She is still very present in our journey even after closing on our home. We are very grateful Angeles was our realtor and she made this a possibility for my family and I. We are forever thankful.

Josh is absolutely wonderful to work with. It's like having a friend on the "inside" that is…read moreworking for you. He really cares about his clients anytime I've had question he was there to answer and was available to show us any home we want to get tour in very short time. I had great experience with him and defiantly refer him to my friends and family when the times comes to purchase or sell their home. Highly recommended A+

We are first-time home buyers and we had no idea about the process. Josh Romo is very knowledgeable…read moreand he understands the requirement well. He took time explaining the process from the beginning till the end and made sure we are aware of everything at every step. He was always available to answer any questions that we have and he is backed up by the wonderful team. The entire team made the home buying and the loan process stress-free. I can't recommend Josh enough. He is wonderful !!