Best Home Loan Companies in Carmichael, CA

Naresh and Pattrick have been amazing to work with. They got me a very good deal and they were extremely patient with me, explaining all the numbers and next steps thoroughly in detail. Would love to work with them in the future and recommend them for your mortgage needs! Thank you both!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Had a great experience refinancing my home with Naresh Ravuri. The process was easy, and he was always available to answer my questions and everything went smoothly. Highly recommend!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

From the moment we started working with Mr. Sanjeev Verma, we felt a sense of honesty and efficiency. We were very nervous about working with a new loan officer based on our experience with our previous lender. We were in a very tight escrow timeline already when we switched to Mr. Verma as our new loan officer. Without wasting a single minute Mr. Verma examined all of our documents, explained all of our options, got our file ready overnight and APPROVED with underwriter the next afternoon!! Not only Mr. Verma helped us secure our loan so quickly, he locked it with the best interest rate while offering us huge savings with lender credits towards our closing costs!! We saved over 12K in closing costs as compared to our previous lender! We are now in our new home all because of Mr. Verma’s help. Can’t thank him enough for his excellent services. We would definitely recommend him to anyone looking for a honest, efficient, easy going and hard working loan officer! Thank you so very much Mr. Verma, you’re the BEST!!!

BEST REALTOR EVER! I would highly recommend Sanjeev to anyone looking to make their home buying/selling process stress-free. Sanjeev is extremely responsive and answers all questions quickly. Sanjeev really values his clients and it shows in how he treats them. Will definitely work with Sanjeev again and again. Thanks Sanjeev!

Thanks to Sanjeev Varma I was able to lock in a good interest rate. He has exceptional customer service skills. He’s knowledge of the real estate market is very admirable. Very highly recommend Sanjeev Varma.

Sanjeev is truly a pleasure to work with! His professionalism really raises the bar among realtors and I genuinely look forward to my next opportunity to work with him!

Sanjeev Verma helped refinance about a dozen residential and a commercial properties of our family. I found him very competent in his professional field.

Sanjeev is one of the best loan officers out there. Went to him closer to the close day, however he worked day and night to keep the same close date. Thank you Sanjeev :)

Truly , was a pleasure working with sanjeev in buying our first property. I would highyly recommend Sanjeev to anyone interested in buying. BEST REALTOR EVER. THANK YOU SO MUCH.

Sanjeev is a professional and hard working loan officer and realtor, he closed my house in just 8 days, I really recommend to buy a property with him!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Sanjeev has been my go to person for all mortgage needs. I have two of my properties financed with him and he always makes sure we get the best price in the market. He is also very diligent and knowledgeable with all the paperwork involved in a real estate transaction.

Sanjeev is incredibly professional and reliable from start to finish. He ensured that all paperwork was completed accurately and on time, making the closing process smooth and successful. He truly went above and beyond to help us find our home. He kept us extremely well informed about the process, he always advocated for us and truly understood our needs. We are so glad to have worked with him!! I highly recommend Sanjeev to anyone looking to buy or sell a home. Thank you, Sanjeev!!

Sanjeev is an amazing agent. He helped with buying my first home and the process was very easy. He explained every step along the way and worked hard to get what was best for us. I recommend having him as an agent because he is honest, patient, and very helpful!

I'm a Realtor, I had a pleasure to work on a sale where Sanjeev represented the buyer and I resented the seller. Sanjeev is a great agent to work with. Sanjeev is not only a great agent he is also a great loan officer, he did the loan prosses in a very short time. I really recommend Sanjeev.

Sanjeev has made the process of buying a home very easy for my partner and I, especially since we’re very young. He helped us with the loan process as well and also helped us save a lot of money!

I recently had the pleasure of working with Sanjeev Verma as our real estate agent, and I can't recommend him highly enough! From the very beginning, Sanjeev was incredibly helpful and supportive throughout the entire loan process. His expertise and knowledge in the field are truly impressive, making every step feel seamless and manageable. Sanjeev took the time to explain everything clearly, ensuring that we understood our options and felt confident in our decisions. His dedication to helping us secure the best loan was evident, and he was always available to answer any questions we had, no matter how small. What stood out the most was his genuine care for our needs. Sanjeev went above and beyond to make sure we felt comfortable and informed every step of the way. Thanks to his hard work and commitment, we were able to achieve our goals with ease. If you're looking for a real estate agent who is not only knowledgeable but also truly cares about his clients, look no further than Sanjeev Verma. He is absolutely amazing, and I am so grateful for his assistance!

We had the pleasure of working with Sanjeev Verma for the purchase of our restaurant, and we couldn't be happier with the experience! We were so impressed with Sanjeev's extensive knowledge, not only in residential real estate but also his impressive understanding of commercial properties. He guided us through every step of the process with incredible patience and clarity, making what could have been a stressful experience feel manageable and even enjoyable. Sanjeev is exceptionally kind and truly dedicated to his clients. He was always available whenever we needed him, and his responsiveness was truly remarkable. We honestly believe that without Sanjeev's expertise and support, we would not have been able to successfully purchase our restaurant. We are so grateful for his hard work and dedication. If you're looking for a knowledgeable, kind, and highly accessible real estate agent for either residential or commercial properties, we wholeheartedly recommend Sanjeev Verma!

I have known Sanjeev for more than 20 years. He is an amazing realtor and loan officer. He is extremely knowledgeable and very creative when doing loans. I highly recommend Sanjeev for any real estate or mortgage needs.

Sanjeev did such a great job explaining and helping me and my family with the purchase of our first home. The rate and closing costs were better than everyone’s, but his best attribute was the white glove service. Thank you Sanjeev.

Very knowledgeable in both Real Estate and Mortgage!

Working with Sanjeev has been a great experience both when buying my home and later refinancing it. He was available 24/7 to answer any questions I had and always made sure I fully understood every step of the process. His knowledge and professionalism gave me complete confidence, and he went above and beyond to make the entire experience smooth and stress-free. I couldn’t have asked for a better loan officer - highly recommend him to anyone looking to buy or refinance a home!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Extremely satisfied with Sanjeev as my broker. He was professional and always willing to go the extra mile and guided me step by step through the refinancing process, answered all my questions with patience, and made the entire experience smooth and stress-free.

Overall good experience.

Great person and helped us find the right home for my wife and I. Thank you Sanjeev!

I had a really great experience with him and would recommend him

Great Loan Officer

Worked with Sanjeev on a listing and he was great to work with and communicative. Excited for our next deal.

I had an exceptional experience working with Sanjeev earlier this year while closing on two properties. He went above and beyond at every step.He was extremely knowledgeable, responsive, and genuinely supportive throughout the entire process. Everything was seamless and stress free from start to finish. His expertise, professionalism, and dedication gave me complete confidence in every decision.I couldn’t have asked for a better experience and would highly recommend him to anyone looking for financing or real estate needs.

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Working with Sanjeev felt easy from day one. He helped us understand both the real estate and mortgage side without making it confusing, and he was always patient with our questions. What stood out most was how human he was he truly cared, checked in often, and made sure we felt comfortable every step of the way. It never felt rushed or transactional, just honest help when we needed it. Would absolutely recommend him.

Sanjeev is is wonderful about educating you about all the most reasonable/feasible financing options to meet your specific need. He is very up front, honest, transparent, extremely resourceful and works very hard to get you the best deals he can.

If you’re looking for someone you can trust with one of the biggest decisions of your life, this is the person you want in your corner. Sanjeev has so much experience and is the by far the best.

I had an outstanding experience refinancing my home loan with Naresh Ravuri. From start to finish, the entire process was seamless, and we closed in just 3 weeks—much faster than I expected! Naresh Ravuri was extremely knowledgeable, proactive, and always available to answer my questions. They secured a fantastic rate and made sure every detail was handled efficiently, making the refinance stress-free. If you’re looking for a loan officer who is responsive, transparent, and highly skilled, I highly recommend Naresh Ravuri. Thank you for making this such a smooth experience!

I have worked with Naresh and he is very informative and patient with me through out the process and has best rates to offer with along with decent lender incentives.

I had an amazing experience with refi of my property. Naresh Ravuri have been super helpful during the entire closing process answering any questions I had. He is super knowledgable of the entire mortgage lending process. I will surely reach out to him and the team next time I need their lending services.

Naresh is outstanding! He made the entire loan process smooth, transparent, and stress-free. His communication was prompt and clear at every step, and he truly went above and beyond to secure the best deal for us. I highly recommend Naresh to anyone looking for a knowledgeable and trustworthy loan officer. Thank you for the excellent service!

I had an excellent experience working with Naresh Ravuri for my home loan. From start to finish, Naresh was professional, knowledgeable, and incredibly supportive throughout the entire process. He explained every step clearly, helped me understand all my options, and was always available to answer any questions I had. What I appreciated most was his attention to detail, timely communication, and genuine care in ensuring the loan process was smooth and stress-free. Thanks to his dedication and guidance, I was able to secure the right loan without any delays or confusion. I truly appreciate all the hard work Naresh put in and would highly recommend him to anyone looking for a reliable and trustworthy home loan officer.

Naresh was a professional and a knowledgeable loan officer. He respected our time throughout the process, which we appreciated

Excellent Service in these area, Communication, Thorough documentation, upfront honest and sets expectation and minimize the closing cost, Always goto person, Thank you !!!

They went above and beyond for us

Naresh and his team at loan factory helped us very diligently and patiently to get the refinance of the loan done recently in the month of September and it was really hassle free working with them. Naresh was very prompt and got all the things done on time for refinance , will definitely recommend working with them for any refinance or housing loans.

Naresh assisted me with refinancing my mortgage and made the entire process smooth and stress-free. He patiently explained each step, addressed all my questions in detail, and maintained clear and timely communication throughout. Overall, it was a seamless and hassle-free experience.

Very quick and up to date responses. Loan closed in very less time.

I recently completed my home refinance with Naresh Ravuri, and the experience was exceptional. Naresh was professional, transparent, and incredibly thorough, he clearly explained every charge and stood by everything he promised. In today’s tough mortgage market, finding someone this honest and dependable is rare. His communication and guidance made the entire process smooth and stress-free. I highly recommend Naresh to anyone looking for a trustworthy mortgage professional.

I recently completed my loan process with Naresh Ravuri, and I’m extremely satisfied with the overall experience. From start to finish, Naresh was professional, knowledgeable, and very supportive. He explained each step clearly, answered all my questions patiently, and made sure I understood every part of the process. What I appreciated the most was his responsiveness and attention to detail. Whether it was documentation, follow-ups, or guidance, Naresh was always on top of everything, which made the entire loan process smooth and stress-free. His transparency and commitment to helping clients truly set him apart. I highly recommend Naresh Ravuri to anyone looking for a reliable and trustworthy loan officer. Thank you, Naresh, for making this journey easy and successful!

Highlights transparent guidance, which builds trust

As a first-time homebuyer, I was nervous about the process. Jatayu Loans explained everything clearly, shared helpful tips, and made sure there were no surprises. Only wish they had more weekend slots, but otherwise it was excellent!

Jatayu Loans got me a very competitive rate. There was a slight delay with the appraisal, but they kept me updated and handled it well. Overall, I’m happy with the service.

This team truly cares about their clients. They were always available to clarify my doubts, even after hours. I felt supported and confident throughout the process. Thank you, Jatayu Loans!

I refinanced my mortgage with Jatayu Loans LLC and the process was so smooth. They handled everything on time, answered all my questions, and made sure I got the best deal possible. Great experience!

Working with Jatayu Loans LLC was the best decision I made for my home loan. The team explained every step, guided me through the paperwork, and got me a great rate. Highly recommend their professional and friendly service!

The team was extremely professional, explaining programs like FHA, VA, and jumbo clearly. Communication was top-notch. The only small hiccup was a slight delay on a form, but they fixed it quickly. Overall fantastic!

VVR Loans secured me an excellent rate, and the online portal made uploads effortless. Only suggestion: expand weekend availability for consultations. Still, I highly recommend them

Worked directly with Pavan (and his amazing team) who provided clear communication, rate comparisons, and kept everything on track. A truly professional and reassuring experience

I locked in a low rate quickly, the document system was secure and easy, and they delivered on their promise of fast closings. Really efficient and reliable

VVR Loans really puts clients first. They took time to walk us through all our mortgage options, explained every detail clearly, and walked us through the process from application to closing. Felt like family, not just another customer

Their advice was spot-on and the process was clearly explained. Everything ran smoothly. The only thing I’d love is a few more weekend hours for consultations—but still a very strong experience

I locked in a fantastic rate and the staff was helpful throughout. There was a small delay in coordinating signatures, but they resolved it quickly and kept me updated the whole way

They provided a free quote within 24 hours, offered customized comparisons, and let me upload documents securely online. I closed my loan quicker than expected with excellent customer care.

From our first consultation to closing, the team was incredibly responsive and professional. They guided me through every step, handled the paperwork digitally, and made refinancing my home completely painless

Lowest Rates Home Loans delivered exactly what their name promises—an unbeatable mortgage rate in Cary. The entire process was fast, transparent, and easy. They explained all of my options clearly and got me a loan in no time. Highly recommended

Jason and Laura were nothing short of good. From the first call …to the closing was absolutely flawless…He ran the numbers … never pushy … if we ever need to use them again we 100% will

Working with Sree was an outstanding experience…responsive…I felt supported at every step.…His professionalism, integrity, and personal approach made a big difference

I recently worked with Sree on refinancing my home…proactive, transparent, and incredibly knowledgeable. He kept me updated every step of the way …secured a great rate and improved my financial outlook. I highly recommend Sree…a true professional

I am so grateful that I chose Lalitha, Champion Home Loans Inc, as my mortgage broker. Navigating the loan process can be daunting, but she made it smooth and stress-free for me. Lalitha thoroughly explained every step of the process and patiently answered all of my questions. She shopped with multiple lenders to find me the best possible rate and terms on my mortgage loan. Additionally, Lalitha helped me identify and qualify for a down payment assistance program, which was incredibly helpful. I cannot say enough good things about working with Lalitha of Champion Home Loans Inc. She is extremely knowledgeable, responsive, and truly cares about her clients. I wholeheartedly recommend her for any and all mortgage lending needs.

Working with Sree as my loan officer was an exceptional experience—his professionalism, clear communication, and deep understanding of the lending process made everything feel seamless and manageable. He was always quick to respond to questions, took the time to explain every detail, and made sure I felt informed and confident at every step. Sree truly went above and beyond to find the best loan option for my situation, and his dedication and support made a stressful process feel much more manageable. I highly recommend him to anyone in need of a knowledgeable and trustworthy loan officer.

I recently worked with Sree on refinancing my home, and I couldn’t be more pleased with the experience. From the very beginning, Sree was proactive, transparent, and incredibly knowledgeable about the refinancing process. He took the time to understand my financial goals and walked me through the available options with clarity and patience. Sree kept me updated every step of the way and made sure everything moved smoothly and efficiently. Thanks to his expertise and dedication, I was able to secure a great rate and improve my overall financial outlook. I highly recommend Sree to anyone considering a refinance—he’s a true professional you can trust.

Working with Sree was an outstanding experience from beginning to end. He is highly knowledgeable, responsive, and truly committed to guiding his clients through the mortgage process with clarity and confidence. Sree took the time to explain every detail, was always available to answer questions, and made sure we felt supported at every step. His professionalism, integrity, and personal approach made a big difference. Thanks to Sree, the entire process was smooth and stress-free. I highly recommend him to anyone in need of a trustworthy and dedicated mortgage loan officer!

Sanjeev is one of the best loan officers out there. Went to him closer to the close day, however he worked day and night to keep the same close date. Thank you Sanjeev :)

anjeev is a professional and hard working loan officer and realtor, he closed my house in just 8 days, I really recommend to buy a property with him!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

It was nice to work with Indra and her team, which was an absolute pleasure throughout the Mortgage process. She patiently explained each step, making the complex easy to understand. She was always available to answer any questions we had throughout the process. I highly recommend Indra and her team if anyone seeking for home loan.

Indra and her team were great with communication. They kept me informed throughout every step of the process. They made it a very stress-free and truly enjoyable experience. They were also great about not only answering my questions promptly, but also explaining things at a level that I could understand as a first-time homebuyer. I look forward to recommending Indra and team to friends and family.

Being a first time home buyer its always tricky to choose not only home but the realtor who will get you that desired property. I was lucky to have Shankar, help me find a great property in the desired location I wanted. It took me about 6 months to finalize on the property I loved and wanted to buy. But during this whole process, Shankar has been super patient, very detailed, and AVAILABLE all the time. Shankar, helped us understand both pros and cons of the property in terms of location, schools, future developments and comparables in the same region. He seems to have great knowledge about the Folsom CA in particular. Another plus point of Shankar is he helped me shop around for a good mortgage rate too. If you are looking to buy something in and around Folsom CA, I would recommend using Shankar. He is patient, dedicated and detail oriented. Thank you Shankar for all you did for us.

Shankar was wonderful to work with. He helped me sell my house in 1 week and helped to close it in 2 weeks. Shankar made what could have been a stressful and difficult process as seamless as could be. He made everything very easy to navigate and was always available and helpful. I wouldn’t work with anyone else! He is very professional and very nice to work with. He really listened, cares passionately about his job and his calming manner worked wonders for us. I would recommend him to whoever is looking to buy or sell a home in California.

Shankar made our home selling process a breeze! He has a keen eye for what needs to be done to ready for staging, like painting the whole house with a neutral color. Shankar was always on time for appointments, negotiated well with other agents or always followed up with emails, phone messages and voicemails etc., He kept up his promises. Our home was sold in 3 hours much more than the asking price!

Shankar Reddy is one of the Best person that I have met in my recent times. His primary focus is to provide best opportunities to the clients and sharing necessary feedbacks in every aspect of Home purchase. With his tons of real estate experience, always drives customers to find the best home in the desired place with affordable pricing options!! He is very friendly and easy to approachable always !! Really appreciate his flexibility, commitment,trust and great service to this community !!

Did an excellent job in listing my home and selling it during high volatile market conditions. Personally looked into the house and went through all steps in advance and cleared all our questions i.e. regard to selling and also finances. Very hard working and definitely use him in any other real-estate transactions in future too.

Recently refinanced our home with Jacob and had a very positive experience. Jacob constantly communicates through every step of the process and keeps you informed which was very assuring. He is always open to questions and very quickly gets back to you and found him very trust worthy. The entire refi cycle was very quick and efficient. Really valued working with Jacob and would definitely utilize his services again and highly recommend to anyone who is in looking to refinance. Thanks Jacob for everything.

It was a pleasure doing business with Mr Jacob. It was one of the best refinancing experience we have ever had. The process was very smooth. He was on top of the process the whole time. He eased the pain of refinancing by calling and following up with various places when I had busy weeks. Overall a great experience. Would highly recommend.

Jacob is very knowledgeable, dedicated and helpfull. He does all the work for you to make your loan process simpler. Jacob is great in communicating the updates which makes you very comfortable. We highly recommend Jacob if you are looking to buy your home or want to refinance. Thank you Jacob for all the help and guidance!

Jacob is very knowledgeable and help you in every way you can to get your loan needs. I have done refi three times with him and some of the friends and clients do purchase and refinance loans with him. Very professional and easy to work with and fast closing. Thank you Jacob for your dedication to the entire process from start to finish on any loan.

Jacob got me a very nice rate and closing process was very fast. He is very responsive to your queries .

It was a great pleasure to work with Jacob when getting my home purchase mortgage. He was thorough, professional, answered all my questions about loan options, and got the job done, and closed escrow in 20 days.

Getting my loan refinanced was practically an impossible task. Jacob was patient enough and finally found a lender that was able to do the refinance with an outstanding rate. I would recommend him to anyone with confidence and trust.

It was our first experience with mortgage and we could sail smoothly because of Jacob. His timely updates and constant efforts ensured that we don't let go the house we had really liked. The rough weather in between panicked us, but Jacob always assured us with his support and rich experience.We shall always be indebted to Jacob for this and shall highly recommend him to anybody out there not just for securing a mortgage but also for sound financial advice.Ofcourse when we had to refinance our house in 2 years time, we went to Jacob again and refinance was a breeze.. Abhishek and Sonam, San Jose CA

I had the pleasure to work with Jacob on several occasions. he is honest with high ethics and integrity. he had always had my interest in mind and made sure I got the best deal available. I have shopped around with many institutions and with friends. Jacob was the best between all the offers. Whatever you can get somewhere else, chances are, Jacob will do better or at worst will match.Finally, I really enjoyed working with Jacob. I will definitely use him again and refer all my friends to work with him. I hope he does well as he deserves it.

We have worked with Jacob Varghese 3 times and had excellent experience each time. The latest time we worked with him, we had informed him about the rate we had in mind and he monitored it for us. When the time was right, he called us, and it was smooth sailing from that point. I really appreciated the time he took to explain the questions we had and the promptness by which he answered. He is trustworthy and honest.

I have experience working with other loan agents and Jacob stands out mainly because he provides complete details of any loan deals and never bring up any last minute surprises. I think he can pull that off mainly because of his domain knowledge and professionalism.

Working with Jacob was a great experience. Being a first time home buyer it was difficult for us to understand and make apt decisions at the right time. You have been a great support in every single situation and had explained to both of us each and every process with professionalism. Your knowledge in mortgage industry and the attention to details helped us secure a difficult loan. Thank you so much for all your support and making this whole effort so painless and convenient. I will recommend your service in a heart beat, to any one who is in process of looking for a mortgage.Thanks again, truly appreciate it!

I had the pleasure of working with Jacob this year and I would recommend him without any hesitation. My case was very unique and difficult but Jacob was very persistent and determined to get my house refinanced. He was very patient and used his extensive contacts to find a suitable lender for me to go with. The whole process was very smooth and he was on top of things. His lines of communications were open and dealt with issues like a champ. He was always there to answer my calls (even late evenings or early mornings). I definitely would recommend him and will continue to use him for any of my future housing financial needs.

I have worked with Jacob during my refinance of my Loan. He is very is very honest and responded to all my questions quickly. He was able to explain all the options available and able to close the loan in time. He is funny and professional. I would highly recommend Jacob.

I have used Jacob three times in the past. I want to express my thanks with the way Jacob handled our loan transactions. Jacob was efficient, helpful and made the process easy. We have never had such an easy time getting a home loan. The Internet Online application was really easy to use. Jacob was so helpful, after reviewing our application, he recommended the best program for us. He was prompt, efficient and, best of all, considerate. The entire process went so smoothly that I will urge friends and relatives to visit your site. (Actually I have referred some of my family and friends to him.)

I'm writing to thank you Jacob Varghese for getting my wife and self a great purchase and refinance mortgage for our Primary & investment homes. Getting the job done and as promised! That's my experience with Jacob. I would be happy to recommend Jacob for his work to anyone.

Jacob varghese made our dream of owning a house come true. We were able to own a house within a year of residency and job in California. It was stressful but Jacob made it happen. Jacob helped and kept us updated on every documentation needed by the bank. We were able to talk to him even after business hours to clear our doubts. Thank you Jacob for everything once again. Good luck.Regards,Jaimon Mathew & Family.

Jacob was prompt, professional, and courteous. He was patient and thorough answering all of my questions. He kept the ball rolling and the process was completed in the time frame promised. There were absolutely no surprises at settlement. An excellent job.

I have worked with Sanjeev for several years and worked with many loan officers and agents with my position. Sanjeev is professional, knowledgeable, accurate and extremely kind. I can't speak his praises enough. I'm thankful to work with Sanjeev!

Hi Sanjeev! I'd like to thank you so much for your great service and assistance with our home refinancing. You really made this process easy and convenient for us. We appreciate your hard work and long hours (even on the weekends!). Thanks for being so kind, helpful and always readily available. We look forward to working with you again in the future!

Nick was very patient with every detail and each difficulty we encountered during the refinancing of our two loans. We would not hesitate to recommend his services to anyone who is seeking a good rate and reliable services. Hwei and Andy from Chula Vista, Ca.

Nick & Sonia, thanks for all your help in an expedited closing of my refinance. Without your prompt response and eye to detail, it would not have been this smooth. Thanks for your patience in answering my many questions and taking my calls at any time. You set the bar high for other agents to be measured against. Good luck and look forward to working again in the future

Our personal thanks to Nick for all the help provided during our loan refinancing. Nick made sure the entire procedure was handled efficiently from the beginning to end he was open at any time to respond all our questions and answered them in an intelligent manner and terms that were understandable. Due to Nick's helpful attitude and professionalism, the entire process was a very positive experience. I would recommend Nick to any person wanting to secure a loan

For a demanding customer to be completely comfortable and trusting when dealing with a transaction like the refinance of a loan, one must receive direct, succinct information in a timely manner. Nick was the most professional loan agent I have dealt with in 30 years. He ensured there were no hiccups during the process that weren't swiftly communicated and expertly managed. As a retired military officer I have come to expect the type of service Nick provided and quickly take my business elsewhere if I feel there is a lack of respect or any inkling of being sold on a product or service. Nick seemed to know exactly what I needed and made sure there was no question of integrity on his part. If I have occasion to need a loan for a purchase or refinance I am certain I will be calling on Nick Kohli Thanks Nick

I was worried that I wouldn't be able to qualify for a loan. I spoke with Navin and they told me to apply on their site. The next day they not only qualified me but had me locked into a great rate.

Sanjeev is the consummate mortgage professional. If you are looking ...for someone to help you with your mortgage or real estate needs, you can trust that Sanjeev will make you his top priority. He will guide you through the loan and purchase process, with the highest level of skill and expertise. Trust in him. You'll be glad that you did. Kim Kirk, Senior Account Executive, Sierra Pacific Mortgage