Dan, Angela, and the entire Mortgage Evolution team were extremely professional, extremely…read morethorough, and always ahead of schedule in a very competitive market. They truly take all the guess work and stresses out of the the finance part of the home buyer experience, which allowed me to enjoy the whole experience in its entirety and/or allowed me to focus on areas of dealing with left fielders from the seller's.....keeping the deal together. As of today, Mortgage Evolution team has successfully completed the finances for 2x new home purchases, 1x Refi, and 1x HELOC Loan for me. Tested, Tried , and True, you can't go wrong with Dan and his team. Cheers Jerrimi

Andrew came as a referral from a friend. We had met with numerous lenders before him, yet all of…read morethose name brand banks made my fiancé and I feel like it would be impossible for us to own our first home, given our financial situation. After working with Andrew, I can say that this man can do magic when it comes to not only acquiring the loan we needed, but also making every step of he process as seamless as possible. Anytime we had a question or concern, we were able to contact him via email or Phone and if we had to leave a message, he would contact us within 24 hours. Such a reliable and competent Lender. Thank you Andrew for helping us achieve our dream home! 10/10 would recommend.

Andrew Lee went above and beyond in assisting with the refinance of my home. He explained each step…read morethoroughly and any time I had questions he made himself available, no matter the time of day. I was able to communicate my wants and needs and Andrew followed through in every aspect. He is always looking out for the best interest of his clients and I knew right away that I could trust him. My situation was somewhat unique in that I needed to also buyout my ex out of the home we had purchased together. I felt supported and understood through the entire process and I'm glad I had Andrew to help me with everything. If you're buying a home or trying to refinance your home, I highly recommend working with Andrew. He's consistent, honest, and will always keep in contact with you. You'll be in good hands with Andrew on your side!

It was a pleasure working with Sam. As a first time home buyer, he was patient, attentive and…read morepersonable. With his guidance it eased my worries of what I thought purchasing a home was like. The process was smooth and not daunting. My family and I were also on vacation during this time but the communication was top notch. If you're a first time home buyer, all it takes is meeting the right person.

Sam Heng has helped me through the purchase process of two homes and has refinanced both my mother…read moreand I. I will never have another broker! Sam is SO easy to work with, is efficient and will do what needs to be done to get you into the home that you've fallen in love with. He always checked in with me to make sure I was ok with the costs. He is the only person I would trust with my home loans and refinancing!

My homeowner's insurance policy was canceled by my 5-year running National company and the only…read moreoption I could find on my own nearly tripled my premiums through the California Fair Plan. I thought it was rather odd since my house is in the city limits of Auburn in a standard residential subdivision. I saw a post regarding Mr. Holliday's office on Facebook and decided to call him. So glad I did! It turns out the State Farm was still writing policies for certain properties in the city limits and Don took the time right then to answer some questions, run up a quote, and then, upon my approval, bound the new homeowner's policy on the same call. I was impressed by Mr. Holliday's professionalism and good natured demeanor. So glad I checked out his Facebook site and the many recommendations! I add my 5-star rating to the list! Thanks, Don!

So here is why I'm giving Don a 1 Star review. This all started when our lender recommended him to…read moreget our loan approval for our home. It went well after the first month. Second month we were over charged over $100 on our auto debit, so we called Don, he told us that it was an accident and that we will be credited the difference on our next billing cycle. So here we are on our Third month, about a week ago State Farm sent us a letter (via mail) that our policy was being cancelled, another phone call went to Don to clarify the situation and once again he said that this was all a misunderstanding and he just needed to resend docs required by State Farm. Now today happened. We were expecting that the auto pay would pull today and it didn't, so we went ahead and just called State Farm directly to see what's going on. We were notified that our policy was on the schedule of being canceled, like the original letter that Don supposedly said was a misunderstanding. So if we didn't do our due diligence we would've been out of coverage and God forbid something happens. We take our coverage very seriously and we pay our bills on time and if not early in some cases. I'm sure that Don is probably a great person and is very well liked. But this is business, a business that he has failed to manage. Maybe our account wasn't important to him? Who knows. Anyway, we called Geico and they were very happy to have us back, they up our coverage, gave us a better rate and now we are happy again. The days of dealing with unreliability is coming to an end, just ask Blockbuster

I was introduced to Randy Randazzo, of Vitek Mortgage, by my realtor. Randy is a bright,…read morearticulate, enthusiastic man. He provided me with the information and tools to make my dream of owning my own home a reality. I started the house hunting process in spring of 2017. I was ready to purchase a home, but to get a decent interest rate on a loan, I needed to do a little bit of work to bring my scores up a bit. Randy told me what he thought needed to be done and after following his direction, we moved forward in October. Today, I am in my own place with a mortgage payment that is less than I was paying in rent. Randy took me through the entire process with ease and a pleasant demeanor. I highly recommend Randy to anyone who is considering purchasing a home, be it a first home or another home! He knows the ropes and knows how to help make your dream come true! A. Boxwell, Sacramento, CA Randy Randazzo Mortgage Loan Originator Office: (916) 889-8528 Cell: (916) 601-7091 Fax: (866) 380-0233 rrandazzo@teamvitek.com Website: rrandazzo.teamvitek.com Licensed - NMLS # 284482

Unfortunately the only positive experience that I had with Vitek was that the staff was extremely…read morefriendly. Reading all of the positive reviews, I called Vitek and made an appointment to see a member of their staff. Although I lived in San Jose, I was interested in purchasing a home in Sacramento, so I drove all the way up from San Jose for my initial appointment to see if I would qualify for a home loan. I had some past credit challenges which I was very forthcoming and upfront about during my initial consultation with Vitek. I was told that I was pre-APPROVED for a home loan and was asked for preliminary paperwork. I was even told that I would qualify for a down-payment assistance grant, which I was excited about since I had very little upfront money available to me. After an exhausting search for the right home, I found a home and decided to place an offer, which was accepted. I worked out an arrangement to rent back the home until escrow closed which was to be 30 days later. During the underwriting review, a couple of issues came up that caught everyone off guard. And while they were unforeseen and certainly unique in nature, they definitely were not impossible to overcome. Vitek made some effort to get them resolved, but fast forward two months and days before the extension for escrow was to expire, I was told that my loan was denied and Vitek dropped me like a bad habit, left to sink or swim on my own. So now that I've spent a significant amount of money moving from San Jose to Sacramento, put up Ernst money as well as other new home related expenses, I find myself in a situation whereas I stand to have just thrown a whole lot of money out the window and left to save myself. Thanks Vitek. Thank goodness I don't give up very easily. So I find another lender that is happy to do whatever it takes to get my loan through underwriting. But now I find out that I do not qualify for that too good to be true Down Payment Assistance Grant that Vitek lured me in with and is what I based my decision on to even proceed with buying a home. So now I have to decide to either pack up and move into an apartment and lose my Ernst money as well as all of the other money I put into this move, or roll the dice and see what happens. Again, I don't give up easily and I roll the dice and I am now a home owner. Not before having to come up with about another $10K however. Why were the other guys who are much smaller than Vitek able to get this deal done? Underwriting was much more brutal and unforgiving with the other guys than with Vitek, and it the other guys had to put a lot of effort and work into closing this deal. But the point is, it clearly was not impossible. When the going got tough, Vitek got going and left me alone and stranded and someone willing to put in the work and effort came along and proved that Vitek clearly was not interested in doing so. I made financial decisions based upon information that Vitek provided me, and the information that I was provided proved to be at best, unreliable which put me in a very difficult situation. Again, the staff at Vitek were extremely friendly, but friendly just didn't cut it and I am extremely disappointed that Vitek is okay with leading down an unfamiliar road, only to take off leaving me stranded and alone to fend for myself. If the other guys were able to get it done, you should have been able to as well. You failed not only me, but yourselves as well. The upside to all of this is that the other guys were able to get me financed for a full percentage point less than you.

We just used Mike as the lender on our new home purchase and the experience was top notch. Mike and…read morehis team had clear and concise communication, were able to pivot when hurdles would arise (during the loan process they almost always do), and always had a Plan A and B when they called to navigate the hurdles. Even with multiple aspects to our loan - we did a purchase loan in conjunction with a bridge loan - we remained ahead of schedule of all of our loan related deadlines to the point we could've closed escrow over a week early. He also listened to what we wanted to do based on our financial situation and put together a plan that made sense or us. Mike runs a well oiled machine and his processes make purchasing a home go as smooth as possible. Even after closing on our house he has remind a resource for us and is still prompt in answering questions and providing us support.

Team Swaleh is always professional and very responsive. They took the time to assist me every step…read moreof the way with any questions I had, and made the process simple!

Erick Perpich is amazing! He goes above and beyond for his clients. He is incredibly knowledgeable…read morewhich is evidenced by his ability to think outside the box and offer legitimate and feasible options to his clients. Erick truly cares about the best interest of your family over his bottom line. We highly recommend Mr. Perpich. If you are looking for honest, friendly, and knowledgeable assistance look no further! Erick and his colleagues deliver it all!

Magical 21 days. Erick. Man is Pure magic…read more Erick was introduced by my real estate agent. I have never met him in person. I don't even know what he looks like or. How good he was or how experience he was. All I had was recommendation from my realtor. Uh. Let me tell you that was all I needed. You see I had 2 years of income tax return and business profit and loss statement and credit score of 750. Though I had everything ready. NO Some time we need more then that. That's where Erick did his magic. ( instead putting lots money on down payment for house. Erick recommend that I should be taking care some of high credit card bills and other.) You see not only my credit score went up. Now I only have to deal with mortgage payment only. You See Erick knew exactly what my situation was. That's what I m talking about. Here's the man I never met but I can feel the man wants to help. Not only getting me a house. but The man cares. And very experienced. When you want a house it's big step. And you want A loan officer to be on your side and be part of your Goal. ( already have 3 of my employees on the line to get a loan from Erick in the future) Even if your not ready at this time you should get hold of Erick and get some ideas what it takes to get a loan for your house in future Have plans. And I guarantee Erick will walk thought every steps. ( if anyone needs recommendation you can call me at916-895-0050)anytime.or call me at my restaurant (916-483-1224) and ask for jimmy Now I m seething here at my home and how much I appreciate Erick and his magical team. ( MELISSA from Erick team you're thank you.) It's like meeting a angel in middle of hell. Trust me there out there. Thanks Erick and the team. From jimmy and the family

Not polite unfortunately... if I were looking for new insurance I would think twice about this…read moreparticular practice.

We just signed up for homeowners insurance (including fire coverage) with agent Jeff Jones after…read moremany decades with AAA. Jeff offered me the same coverage at just barely over half the cost of AAA. Jeff was great to work with and is very attentive. I highly recommend them.