Residential Loan Services in Sutter, CA – Expert Residential Lending Solutions

• - 5/5

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.

• - 5/5

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!

• - 5/5

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

• - 5/5

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

• - 5/5

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

• - 5/5

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

• - 5/5

I recently had the pleasure of working with Aman while purchasing my first home, and I couldn't be happier with the experience. From the very beginning, Aman demonstrated an impressive depth of knowledge about the home buying process. As a first-time homebuyer, I had many questions and concerns, but he was incredibly patient and thorough in explaining everything to me. Even after the process, I am able to reach out to him and get all my questions answered. Buying a home can be an intimidating process, but Aman made me feel comfortable and confident every step of the way. They took the time to understand my financial situation and homeownership goals, offering tailored advice that was both insightful and practical.

• - 5/5

As a first time home buyer, I was learning everything about mortgages and interest rates on the fly. I was fortunate to be connected with Aman who spent quite a bit of time with me explaining the ins and outs of home loans and the entire start to finish process. Phone calls were not rushed and Aman made sure to carve out time when I needed it to address my concerns. Aman also promised and delivered on a short closing period. In addition, the rate Aman got me was lower than anticipated compared to what was available in the market, and especially so when you factor in overall costs for future refinances. I enjoyed working with Aman and will do so again in the future when the time is right to refinance.

• - 5/5

Aman was an exceptional help getting me the best rates guiding through out the process and educating me through the process and guiding me with future prospects I would highly recommend Aman to anyone looking for refinancing

• - 5/5

As first-time homebuyers, we had many questions and some nervousness about the process. We first met Aman at an open house, where our conversation centered around the housing market and what to look for in a home. Although we didn’t cross paths again in person for over a year, whenever we found a property we liked, we reached out to him, recalling the positive impression he left on us. Aman turned out to be an exceptional financial advisor. He took the time to explain everything in detail, highlighting both the pros and cons, and helping us make informed decisions. His guidance throughout the process was invaluable, and we highly recommend connecting with him if you’re shopping around for mortgage rates or financial advice. We are confident that you will be impressed with the level of service and expertise he provides. Thanks to Aman, our transaction was smooth, and we were able to navigate the process with ease and confidence. We truly had a hassle-free experience as we entered into our new home.

• - 5/5

Aman Joshi has been very professional, supportive and responsive loan agent. He has been very helpful and communicative throughout the home buying process. With his expertise, he ensured seamless and stress-free process to make all the confident needed decisions. Whenever we needed him, he was always there to answer all our questions and he went above and beyond to make things happened. We want to extend our sincere gratitude to Aman for his outstanding support and guidance. We highly recommend Aman for his services

• - 5/5

I had an excellent experience working with Aman while buying my first home. As a first-time homebuyer, I had a lot of questions, but Aman was incredibly patient and took the time to explain everything to me. He ensured I fully understood the process, even explaining things again if I didn't quite get it the first time. Thanks to his help, we were able to close on the house quickly. Overall, the experience was smooth and stress-free. I highly recommend Aman to anyone looking for a reliable and knowledgeable loan agent

• - 5/5

Suman explained all the mortgage terms patiently and attended to every detail. A slight administrative delay occurred, but he resolved it promptly. Still a very strong rating

• - 5/5

Suman provided excellent guidance and helped us secure a competitive mortgage. Only suggestion: offering more weekend appointment availability would make it a full 5-star experience

• - 5/5

As first-time homebuyers, we were anxious about the process, but Suman’s expertise put us at ease. He explained options clearly and secured us a great rate. Highly recommend

• - 5/5

Whenever we had questions, Suman was right there with answers. His professionalism, punctual follow-ups, and proactive updates kept us informed and confident

• - 5/5

Suman guided us through every step—from pre-approval to final closing—with clear communication and expert advice. His attention to detail made the entire process feel effortless

• - 5/5

We recently used Thirumal Mogulla as Loan officer & Realtor to purchase our house. Thirumal is a pure professional and was very responsive throughout the process. He was very timely and worked hard to close my house in 15 days . He is very professional and got the BEST rate available!. I recommend Thirumal for any refinance or new loan.

• - 5/5

Very responsive. We were under a short deadline and Thirumal made sure things moved fast and smoothly. Looking forward to refinancing next.

• - 5/5

I recently closed my house with the help of Thirumal Mogulla. He was my realtor and loan officer. I like the transparency on the documents he provided. He was quick in the closing process; his timing was really good and responsive to any information asked. I would strongly recommend him if you are planning to buy a home or looking for one

• - 5/5

I recently closed my house with the help of Thirumal Mogulla. He was my realtor and loan officer. He was quick in the process of closing, his timing was really good and responsive for any information I was asked. Thirumal did an exceptional job while handling the purchase of our property. He works round the clock and gets the job done. I strongly recommend Thirumal to anyone looking to buy or sell a property and most importantly to the first time home buyers.

• - 5/5

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.

• - 5/5

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 :)

• - 5/5

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!

• - 5/5

?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!

• - 5/5

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.

• - 5/5

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.

• - 5/5

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!

• - 5/5

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 !!

• - 5/5

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.

• - 5/5

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.

• - 5/5

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.

• - 5/5

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!

• - 5/5

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.

• - 5/5

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

• - 5/5

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.

• - 5/5

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.

• - 5/5

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

• - 5/5

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.

• - 5/5

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.

• - 5/5

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.

• - 5/5

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!

• - 5/5

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.

• - 5/5

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.

• - 5/5

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.)

• - 5/5

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.

• - 5/5

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.

• - 5/5

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.

• - 5/5

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!

• - 5/5

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!