When it comes to purchasing a home or refinancing, I would highly recommend that you work with Joshua Willis at Vault Mortgage Group! My husband and I originally purchased our home in August of 2011 thanks to the assistance from Mr. Willis. This was our first purchase and we were excited and nervous at the same time. He reassured us that we could get pre-qualified and make the process easier while looking for a home. He walked us through the required documents and explained every detail that we had questions about. (I must admit that I am the type who asks several questions and I like to research different information.) He was patient and collected all of our information. He also responded promptly to emails and returned phone calls in a timely manner. As time passed and interest rates dropped, we decided to refinance to get a lower interest rate and to save thousands of dollars. Once again we worked with Mr. Willis. We collected all the required documents that he requested and he worked with his department to get the documents processed. He contacted us and informed us that the refinance was approved and thanked us for working with them for a second time. This refinance lowered our mortgage payment and interest rate. As of 2014, the property value in our area drastically increased and we were curious to see if we could be qualified for a refinance under a conventional loan. Mr. Willis explained that it was a much more challenging process, but that it could be done. He provided information explaining the process and how it would eliminate the PMI. We also found out that we could have access to money to remodel our home or pay off debt. Once again my husband and I collected the required documents and submitted them to him to be processed. The conventional refinance was approved and we closed towards the end of August 2014. This conventional refinance decreased our mortgage payment, eliminated our PMI, and allowed us to remodel our home. We humbly thank Mr. Willis for his dedication to make sure that the process was handled professionally and within a reasonable timeframe. His work ethic clearly shows that he cares about all of his clients. We recommend all of our friends and family to Mr. Willis because he has earned our trust and loyalty! Mr. Willis is allowing people like us to create a foundation by owning our home and having assets, which will provide our family with financial stability and wealth! Love, The Tucker Family read more

Where do I start. It all started with a cold call from David Garcia saying the time was good to refinance. I told him we had recently tried twice with BofA and Green Light and were turned down due to our unique situation. So, I didn't want to try again and be disappointed. After some conversation, David convinced me to give it a try and he promised he would do all he could to make sure our refinance went thru. I figured he would disappear like the other loan officers did but he was always there for us. Well, after leaving no stone unturned, and using his unique capabilities, he got our loan approved and I still can't believe it. David called me every day or two to update us on what was going on. Often I would tell him that it was fruitless and we would never get approved and he was even more determined to prove me wrong. Our house is in trust and my husband is very ill and would not able to sign the loan documents. I have a POA but it didn't help before so David had me make a copy of my POA and our trust and even had me have my husband sign papers which took all day because his signature is not readable. I kept telling David we couldn't do this and he told me I had all day so take my time and relax. Anyway, I finally faxed the papers back to David and figured the signature would never fly but it did! I had to take a photo of my husband so David knew he was really alive and with me. When the lady came to have me sign the loan docs which we signed in a special way, she had my husband sign his name the best he could and witnessed the signature. Something the other companies never did. I, at times, would send David an e-mail late at night and sometimes on weekends and he never failed to get back to me immediately. I always knew David was only an e-mail away and I would get an answer quickly. With a disabled husband not being able to sign the loan docs, David knew exactly what to do to prove things were legal and above board. His determination to help those with unique situations is above and beyond what I would ever expect. He totally cares about his people and will deliver the best he can. Would I recommend David, yes, by all means, he is the best and so understanding and caring. I have never met David but hopefully one day he will be driving thru the desert and look us up. I'd really like to meet this young man who worked so hard to get our loan approved. Thank you David, you are awesome. read more

David Garcia has helped me and my family beyond what words can express!!!!! I am a veteran and was purchasing a home directly from a seller, without the help of a real estate agent, during my transition from active duty service to civilian life. I had an extremely unique situation, due to some unique individual circumstances, and because of that, two banks denied me for a home loan. I was very discouraged, but decided to call Vault Mortgage group to see if they could help me out. I AM SO GLAD I DID!!! After speaking with David Garcia, he told me that he believed he could get my loan approved, and helped us every step of the way. I am not going to lie, the process in itself was very stressful, and at times downright frustrating. However, David always kept a positive and professional attitude, and actually went out of his way to make sure me and my family were taken care of. My wife and I are beyond grateful to David, for all his time, help and hard work. We are in the process of moving into our new house!!!! So, I am not the type of person to write reviews, good or bad, about anything. But after all that is happened, and the fact that we got our house, (at great interest rate, by the way) I felt more than compelled to give Vault Mortgage Group a review. Throughout this entire process, my wife and I felt that we were David and VMG's first priority, and all of our questions and concerns were taken care of in a timely manner; and i would STRONGLY recommend VMG to anyone looking to purchase a home. Ask for David Garcia. We seriously could not have done this without David's help. Again, THANK YOU DAVID!!!! I truly can't say that enough!!!!! read more

Vault found me when I researched online for a refi of my mortgage since rates had gotten lower and home values had risen lately. I had already been nearly two weeks into a no cost/no point loan with another broker. Nick Gouche and his assistant Shannon Bailey, told me they could do the loan faster and for less than the current broker I was using. He also had a great sense of humor. Since Vault was far from Silicon Valley, I let both brokers run with it as a precaution. I'm a long time consultant which seemed to require a lot of extra paperwork and head scratching from the first lender who didn't understand this is normal business in high tech. I also keep an equity line of credit as a business backup that would need to clear subordination with the slowest response lender there is (BofA). To add to the complexity, I was switching customer contracts mid-loan. Nick and his team kept in constant contact updating along the way any time of day. Vault's VP Richmond even jumped in to push BofA to move faster so we could make the close at the low rate as rates were creeping higher. What a dynamic team! They worked as a single smooth team and got me the promised results where the other lender fell far behind (plus the first underwriter on my loan left the company). Needless to say, they got the docs through, sent a notary to my home one evening to sign all the final papers and we were done!!! I would highly recommend Vault and, in fact, already have. ngouche@vaultmtg.com 310-481-8990 read more

I've been a California Realtor for the past 7 years. I have worked with all types of Mortgage Brokers and Loan Officers (from the sellers preferred lender, to a big national banks, and your boutique firms). I had the pleasure of working with one of Vault's top loan officers by the name of Stephanie Lee. I represented the buyer in the deal. The house was a fix and flip property being sold by an investor. Stephanie went above and beyond to make sure this deal did not fall out of escrow. Stephanie was an integral part of helping me close that deal. She even got on the phone with the anxious investor seller to ensure we would close...and that we did! I also had the pleasure of working with Stephanie on a multi unit deal for one of my investor clients. My client is still satisfied with the results and due to the great financing that Stephanie got for my client they were able to have positive cash flow before their first payment was due. As an agent, when working with home buyers (especially FHA and 1st time home buyers) and investors it's important to work with a Loan Officer/Mortgage Broker who...frankly..knows what the hell they are doing and doesn't have a lazy work ethic. If are you the type of agent who wants to work with a loan officer who will make your clients love you more then Stephanie Lee of Vault Mtg is the person for you! Continued Success! -Will Estate read more

My husband and I highly recommend David Garcia with Vault Mortgage. David responded to a refinance inquiry I completed on the internet. David was very professional with his first call and actually put me at ease. I explained to my husband I had spoken with someone off an internet inquiry my husband was very skeptical at first. Throughout the refinance process David always had a fantastic can do attitude plus David was always just a phone call away to answer any questions or to help efficiently move the process along. After just a few weeks of calls David managed to provide us a refinance combining our first and second at a much lower fixed rate on a term of 15 years with the property taxes and insurance wrapped into the monthly payment. David delivered everything we wanted and walked us through the refinance process in such a way we could not have asked for anything more. All that said the most amazing aspect of our experience was David did all of this remotely from Southern California and we live in Northern California. David arranged a notary to come to our house to sign the final refinance paperwork. We never met David face-to-face throughout the entire process. David Garcia delivers, he is honest, dedicated, and will do his best to provide you the best loan. read more

Joshua Willis, what can I say? If you looked up the word TENACIOUS.... Josh's picture would no doubt be next to it. We had been looking for a home in the LA area for about a year, with the outrageous home prices and not wanting to be house poor, we came to the realization maybe we should look in Riverside County. We met Josh through our realtor. Within a couple of days we had our preapproval letter. Within a week we found our house and the journey was on..... We entered into escrow in November, mind you that this was a foreclosure which sometimes can take up to 4 months or more We never had to make the drive to Josh --- he always met with us at our convenience, early, late... no matter what. Now that in itself is great service... which you don't get much of in today's society. Even though the escrow company presented many obstacles, through Josh's tenacity and professionalism we prevailed without any setbacks. We are now proud home owners in what some people call record time on a foreclosure. We couldn't have met anyone more professional, honest, hardworking and I have to use his signature definition TENACIOUS. We have a couple of friends who will be looking for a home..... and you can bet we'll recommend Josh Willis..... read more

As a first time home buyer I was extremely nervous about the whole process and I knew in order for me to get through this process &stay sane I was going to need to work with people who were knowledgeable as well as patient. These two traits were something that were on the top of the list at Vault Mortgage. A dear friend who had also worked with VM referred them to me and suggested that I speak with Joshua. Upon speaking with Joshua, I knew I was going be in good hands, he was a wealth of knowledge and was extremely attentive. I explained to Joshua that in the past I had been unsuccessful in securing a loan because of me being a contracted employee, banks weren't willing to take the gamble on me. Joshua assured me that he would be able to help me secure a loan and be on my way to home ownership. After a short process, and Joshua's dedication with assisting me in this whole process, I finally became a home owner and I couldn't be happier! I am beyond grateful for Joshua's superb service and recommend him to anyone looking to buy their first home. Great job Vault Mortgage for having such an awesome staff and a special thanks to Joshua, you're a rockstar!!! read more

I have had the pleasure of knowing and working with Richmond at Vault Mortgage for over 8 years, and I can confidently say he is one of the most outstanding mortgage brokers in the industry. His integrity and character are unmatched--qualities that are rare to find and deeply valued in such an important field. What sets Richmond apart is his personal attention to every client. He doesn't treat people like numbers; instead, he takes the time to truly understand their needs, goals, and concerns. That level of care creates a sense of trust and reassurance throughout the entire process. Over the years, I've witnessed how Richmond goes above and beyond to ensure his clients receive the best possible guidance and solutions. His knowledge, professionalism, and genuine dedication consistently deliver results, while his warmth and approachable nature make the experience smooth and stress-free. If you're looking for a mortgage broker who is not only highly skilled but also honest, compassionate, and client-focused, Richmond is the person you want on your side. I recommend him without hesitation. read more

We want to take a moment to express our sincere gratitude for the exceptional support Richmond and his team at Vault Mortgage provided throughout our recent transaction. This marks our third time working with Richmond, and each experience has only reinforced our trust and confidence in him and his team. Richmond, your professionalism, knowledge, and responsiveness have once again made the entire process seamless and stress-free. You consistently go above and beyond to ensure that every detail is handled with care, and it's clear that you genuinely prioritize your clients' needs. The Vault Mortgage team's dedication, clear communication, and commitment to excellence continue to stand out. You've made what can often be a complicated process straightforward and reassuring, and for that, we are truly grateful. Thank you again for guiding us successfully through our third mortgage transaction. We look forward to continuing this partnership in the future and will gladly recommend Vault Mortgage to friends, family, and colleagues. read more

I've been in touch with many loan officers this past year and just about all of them have made the refi shopping a big discouragement. It was the same story time and time again where it started with the agent saying "this is a slam-dunk deal for you", but only to follow-up later with a return phone call saying "you're better off staying in your current loan." That was simply because they didn't have the creativity or the ability to think outside the box, nor did they want to make the effort to do so because my situation required a lot of work. Then there was Joshua Willis. Mr. Willis took my complex situation and refused to give up until he was able to figure out a solution. Not only did Mr. Willis create a loan for me, but he made me feel at ease through-out the entire process. I commend Joshua Willis not only on his expert knowledge in the industry, but also in his ability to be a professional when it comes to customer service! Mr. Willis, thanks for being my new super-hero!!! read more

Buying a home can be stressful, but working with Richmond Kodua made the entire process smooth, transparent, and enjoyable. From the very beginning, Richmond was attentive, professional, and genuinely invested in finding the perfect home for me. He took the time to listen to my needs, answered every question with patience, and guided me through each step with clarity and confidence. What impressed me most was Richmond's knowledge of the market and his ability to negotiate on my behalf. He anticipated challenges before they arose and always had solutions ready. I never felt rushed or pressured--he truly wanted me to find the right fit, not just any house. Thanks to his dedication and expertise, I am now a proud homeowner, and the process felt far easier than I ever imagined. Richmond went above and beyond, and I couldn't be more grateful. If you are looking for someone trustworthy, detail-oriented, and committed to your success, I wholeheartedly recommend Richmond Kodua. read more

5-Star Review for an Outstanding Mortgage Lender! I cannot recommend Richmond Kodua enough! As a real estate professional, I've worked with many lenders, but Richmond Kodua consistently stands out as one of the best in the industry. His expertise, professionalism, and dedication to his clients are unmatched. He goes above and beyond to ensure a smooth, stress-free lending process, providing clear communication every step of the way. Whether working with first-time buyers, seasoned investors, or complex financing situations, he always finds the best solutions tailored to each client's needs. His attention to detail, responsiveness, and ability to get deals closed on time make him a true asset to any real estate transaction. If you're looking for a mortgage expert who truly cares, works tirelessly, and delivers results, Richmond Kodua is the one to call. I trust him with my clients, and I would absolutely recommend him to anyone in need of mortgage financing! read more

Review for Richmond Kudoa - Mortgage Broker Extraordinaire Richmond Kudoa is the definition of excellence in the mortgage industry. He consistently gets the job done with precision, care, and a deep understanding of the market. As a true problem solver, Richmond brings his full expertise and insight to every conversation, crafting strategic plans that deliver the results we all strive for. His dedication and determination are unmatched. Richmond stays ahead of market trends and adapts quickly, ensuring his clients are always positioned for success. What sets him apart is not just his knowledge, but his integrity and trustworthiness--qualities that are rare and invaluable in this field. Richmond is my #1 Mortgage Broker for a reason. Every time he speaks, he adds value. He's a go-getter in every sense of the word, and I wholeheartedly recommend him to anyone seeking a reliable, results-driven professional. read more

I've used Vault Mortgage twice now and I've been amazed both times. They called me out of the blue the first time we used them. I thought it was a typical phone sales job but after listening to Nick Gouche explain how he could lower my interest rate and save me years on my mortgage I signed up with them. The service my wife and I received from Nick and Myisha Ramsey was world class. The followed up when the said they would and kept us in the loop all the way through the process. Recently, they called again and showed us how they could lower our rates again, saving us even more years on our mortgage. I'm happy to say because of the programs and service Vault provided, my retirement age has been moved up and my house will be paid off a lot earlier than I ever imagined. My thanks to Richmond Kodua and his top notch team of Nick and Myisha. Cant wait for the next call. read more

I had the pleasure of working with Richmond and his team on my refinance, and the experience was outstanding. From the very beginning, Richmond was clear, patient, and extremely knowledgeable, making sure I understood every option available to me. His team was just as impressive--always responsive, professional, and supportive throughout the entire process. What really stood out was the personal attention I received. Richmond and his team treated me like more than just a client; they genuinely cared about helping me reach my financial goals. They secured me a fantastic rate, handled all the details seamlessly, and made what could have been a stressful process feel smooth and efficient. I highly recommend Richmond and his team to anyone looking to refinance. Their professionalism, transparency, and commitment to excellent service are second to none. read more

Richmond Kodua and his team are fantastic and truly know how to deliver excellent customer service! From start to finish, they make the refinance process easy and worked very hard to bring me a refinance package with a great rate and terms. Richmond truly goes above and beyond when dealing with complex situations. He is trustworthy and makes you feel like you are his most important customer. Throughout the refinance process, Richmond explained options, provided guidance and made the process stress free by keeping in constant communication. If you need a new mortgage or are going to refinance you home, definitely contact Richmond. He provides outstanding customer service and simplifies the process to take all the stress and anxiety out of finding a mortgage or refinance package that meets all your expectations. read more

If you're looking for an outstanding mortgage banker, I highly recommend Richmond Koda! Richmond made my entire loan process smooth, stress-free, and easy to understand. He took the time to explain all the details clearly and answered every question I had with so much patience. I truly felt like he was on my side, working to get me the best possible rate and terms. What really sets Richmond apart is his professionalism and responsiveness. He was always available when I needed him even after hours and made sure I felt comfortable and confident at every step. If you want someone who is knowledgeable, trustworthy, and genuinely cares about your goals, Richmond Koda is the person to call. I'm so grateful for his help and wouldn't go to anyone else for my mortgage needs! read more