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.

Just worked with Peggi for the purchase of my first home! I was referred to her through my mother…read morein law whom she had helped in the past. She was absolutely amazing to work with, very responsive, knowledgeable and super sweet. Great at handling the issues that come up when buying a house and making the experience as stress free as possible. Thank you soo much, Peggi!

Peggi Sahota (NMLS #1077117) was our agent in purchasing a home. She was positive, knowledgeable…read moreand professional. I highly recommend her.

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.

Ruby was excellent​ with handling​ the loan process. Made the process very easy and helpful for…read moreeveryone. I would recommend​ Ruby and her team.

I recently used Ruby Oliveira for a mortgage on a new house. Given my previous experience with…read moreWells Fargo, my expectations were fairly low. Ruby, however, knocked my socks off. Here's why: 1). She knows her stuff. This isn't her first rodeo, and no matter how hard I tried, I couldn't stump her. 2). She's on top of things. Like, almost to a fault. She's not going to miss a deadline, and she's going to make sure everything's in when it needs to be in. (If you've ever bought a house, you know how important this is!) 3). She's accessible. I could text or e-mail, even at odd hours, and I usually got a response within an hour. 4). Scenic Oaks uses a really cool system which keeps you apprised of where in the mortgage process you are and what's coming next. I was a bit skeptical at first, but found this to be quite helpful. Long story short, I can't say enough good things about my experience with Ruby and her team. She's on top of her stuff and she's fun to work with too!

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!!

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.

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 !!

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.

This bank has got to be absolute worst bank I have ever had the misfortune of using…read more If you're going to be so bold to remove face to face interaction with bakers, that's fine, but at the very least the new system must be as good or better then previous system. The atm here is freaking joke, I've seen McDonald self checkouts work better than this so called bank. To whichever executive moron that thought doing this would save the corporation money, how would members leaving in groups do to the yearly revenue? Because that's exactly what I'm doing. I'm moving my money to Chase. You absolute morons.

Choosing a bank or credit union is hard. You want an institution that you trust with your money…read moreand a place that you feel like your business is appreciated. We started banking with Valley First when they were located on Geer Road. There seemed to be a high turnover as there were always new tellers. I must also say that while we usually were able to get our questions answered, there were a few situations that made us strongly consider taking our business elsewhere. They have since moved to a new location with new employees who seem to be more permanent. The new location is also much larger with more parking which is a plus. The first time we entered the building, we were immediately greeted by one of the employees and asked if we needed assistance, which we did. We were promptly taken to one of the cubicles to discuss our financial business. The employee was extremely pleasant and professional. Our questions were answered and were able to leave feeling confident about the outcome. A few days later we received a follow up phone call to give us an update and let us know the situation had been taken care of. Every additional time we have returned, we have had similar experiences with great service. We are very happy that we decided to stay with Valley First Credit Union for our banking needs.