Ben and his team were great! We are second time buyers and this time around was a totally different…read moreexperience than our first. The whole process was extremely smooth and we even had the option of closing early. Both Ben and Karol were extremely responsive. Highly recommend this team!

From the owner: For 23 years, I've helped people navigate one of the biggest financial decisions of their lives and…read morein April of 2026, I took that experience out on my own. Backed by C2 Financial, a versatile and reputable brokerage, I have the flexibility to shop the market and find what truly fits your goals, not just a rate sheet. What sets me apart is education, it's actually where I started. I went to college to become a teacher, and while my path led me into mortgages instead, that instinct never left me. We don't just review loan figures together; we talk through your full financial picture and how a mortgage fits into it, so you understand the "why" behind every decision. When you submit an offer, I personally contact the listing agent because I've built a reputation that when I say a buyer is approved, it holds up. Outside of work, this community is where I live, too. I'm heavily involved in youth sports, serve as the PA announcer for the local football team, sit on the board of a non-profit and volunteer as an auctioneer for several area charities.

Although I was not able to use his services (home seller imposed unreasonable closing conditions) I…read morecan Highly recommend Don Krause at Caliber home loans in Chico, California. Don is an outstanding loan officer, who will leave no stone UN-turned to make your loan possible. I am very thankful that I ran in to him. I had an abysmal credit history and he made my low interest loan possible. he recommended ways to increase my credit score by 50+ points and they worked. So if you want a true professional who will handle every step of your FHA, conventional or income property loan you should seriously consider him. they don't come better than him

Don is Great! He is so knowledgeable with any questions you have and even volunteers so much…read moreinformation on things you may not think to even ask.

Tim is a seasoned professional that makes the house purchasing process a breeze! He is…read moreknowledgeable, easy to build rapport with and I like that he makes himself accessible to his clients whenever you have a question. I highly recommend Tim if you are interested in purchasing or refinancing a home.

Tim helped me through what appeared to be (to me) a complicated VA home loan process to refinance a…read morehome. He was patient and explained everything thoroughly; he's extremely knowledgeable. He also took some time to get to know me as a "person," which doesn't happen much in business these days. Tim was prompt in answering questions either online or by phone. He does a great job of using technology to work with people outside of his immediate geographic area. I felt comfortable using the website and loved that Tim could also send me a video explaining the data being presented. The combination of Tim + technology worked very well! I highly recommend him.

I am a Real Estate Appraiser in Butte County, for many years now and have to say that Jean Hoag…read morestands "high above the rest" in the business. She is reliable, honest, up to date and quick. Having worked with many lenders in the area, I see what is happening close up, with many persons and transactions and I would highly recommend her from watching her service through my appraisal clients. Laurie Adams AR009669 Adams Appraisal Company

Jean helped me when I was looking for a home in Oroville she was very informative and helpful. I…read moremoved and didn't end up buying in Northern California but Jean was so good I kept in touch and whenever I have a question she still answers them for me! Highly recommend this place!hhhh

Ari was incredibly condescending, rude, and disrespectful throughout my pre-approval loan process…read more He would take a long time to respond to documents he requested and would be condescending during even the shortest of phone calls. After asking him to stop being so disrespectful during our business transactions he said, "I deal with people with millions of dollars in the bank, I don't need you" and then refused to proceed through the entirety of our loan with us. He left me with only a loan pre-approval all because he was asked to not be disrespectful in communications. I do not recommend this arrogant and unprofessional man.

My wife and I were lucky to receive a recommendation to use Ari's services for our home loan in…read moreFebruary 2017. Ari simplified the process and took the time to answer all of our questions. Ari also makes himself available after office hours (and via text) which I REALLY appreciated. On top of being being a competent mortgage broker, Ari is also a rad human! If you want to secure a home loan and have someone walk you through every step, Ari is your guy!

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 Nucum is the epitome of diligence. She is incredibly responsive and always ready to answer…read moreany of your questions--even on the weekends! She also will let you know exactly when she is and when she is not be available. You never need to wait for a response from her. She is consistently prompt and efficient. She is beyond any doubt an extremely hard worker. She is definitely dependable and worked steadily and persistently to complete our particularly difficult loan. She goes above and beyond her scope of duties. She has a wealth of useful resources that she freely provides and that we were do grateful to have! When you work with Jeanine, you will truly be in awe of the tenacity, drive and passion she puts into her work. In addition to all of these stellar qualities, she is also a friendly, patient and kind person. We were so lucky we found her! If you need a broker, I promise you, you will not find a better one than Jeanine Nucum!

We are in the process of purchasing a home, and went to Academy Mortgage on the recommendation of…read moreour realtor. Unfortunately, the broker we dealt with missed something major, and also did not seem to understand the type of loan we were trying to obtain. He wasted over a month of our time, and since he didn't lock in our rate, it has now gone up an additional percent, costing us a substantial amount of money.

Mike was great to deal with. First time home buyers here and the communication was outstanding…read more Even on weekends, Mike always had time for us and our silly questions. Would definitely use them again.

Tracy Fry is a dedicated and hard-working Loan Officer. Her knowledge and experience surpass anyone…read morein the paradise area. She is your best bet for an affordable and successful home loan!!

Sarah was with us every step of the way: she was sensitive to our needs as first time home buyers,…read moreand helped us navigate the complexities of the process. She successfully negotiated more from the seller than we thought was possible. Sarah was excellent with communication and made solid recommendations to us for home inspectors and repairs services. Her knowledge of the local market helped us close the sale quickly. Sarah also has in-depth knowledge of older homes and the special considerations that must be made before purchasing one. With this expertise, she helped us purchase the hundred-year-old home of our dreams! I would absolutely recommend her to anyone looking for a home in the yuba/sutter area.

Best realtor, she went above and beyond to make sure we were able to get our dream home! Can't…read morerecommend her enough!