Big Valley Mortgage Lava Ridge Ct, Roseville

Just wanted to give Frank Bravo a raving review on his performance as my lender. He was attentive throughout the entire loan process with my buyers and feel he has earned my trust to continue to work with him on future loans with my buyers.

I just bought my 1st house And decided to go with Big Valley mortgage. Absolute best decision I could have made! Had the pleasure To work with Frank Bravo. This man is absolutely awesome With the best customer service I have Ever received. Very friendly quick to respond with anything I through at him seriously he went above and beyond to help with anything I needed. So definitely save yourself some headache and ask for Frank Bravo 💯

It was a pleasure working with Frank Bravo on our recent refinancing package. Always answered calls, never to voice mail. Impressed that he appeared at our closing. My husband and I will recommend him highly.

Jeff Silver is an exceptional loan officer who cares about his clients, is available at all times and helps you through your entire loan process! I'd highly reccomend him to anyone looking to purchase their new home! I felt like he was there for me every step of the way with patience, kindness and professionalism. He definitely knows his field and helped me to get the best mortgage and interest rate possible! Thank you Jeff for your amazing customer service!

Frank Bravo Thank you for being so wonderful and gracious to me during the entire process!” “Thank you from the bottom of my heart for all of your help to get the loan and for assisting me with all of the papers. “You will always be my go-to!”

I would like to express my sincere appreciation for all Jeff did to help me with the processing of my loan right after Christmas, My house had sold, and not only did I have to find a new place, but I had to have escrow open and close in record time. Jeff was amazing ! The escrow closed on the sale of my house on January 31, and the escrow on my new house closed the next day. Moreover, all this happened in less than a month! I truly recommend Jeff to anyone who is even thinking of buying or selling a home in the area.

Timothy is driven to find the best possible outcome for my financial decisions. It is a huge relief to work with someone I trust. Timothy is a life-long friend and I have worked with him on my first mortgage and now my refinancing.

As a professional, I have been sending my friends, family, and clients to Big Valley Mortgage for over nine years now, because they have the very best loan officers in the market. I have never seen a group who tries harder and is more active in the community than them. I wouldn't trust my referrals to anyone else.

I cannot in good faith recommend the use of Big Valley Mortgage, specifically Scott Cooper (NMLS #220458). I started an FHA streamline with Scott Cooper over 8 months ago! Yes, it took this man the better part of a year to close a streamline refinance. I was lured in on one of those zero cash to close refinance ads Scott had mailed out to houses in the area. Sadly, Scott failed to complete my loan under the conditions he promised and my deal ended up changing MULTIPLE times. My cash to close went from $0, to $400~, to $700 to over $2000. I was informed on THREE separate occasions we were closing; those closing dates came and went, and not even a single peep from Scott. At one point Scott had failed to keep my loan active, so the lender cancelled and deleted my file entirely, yes, at month six we had to begin this process ALL OVER. During this entire process I maybe spoke to Scott on the phone a handful of times (he heavily preferred email/text) and he’d only ever call me to give me bad news. Right around month six, I received a call from him letting me know that the lender cancelled the file due to inactivity and we had to begin this WHOLE process over. I think, as most people would be I was furious, though, I stayed calm with Scott, but I demanded answers. Well Scott did not have any answers, and in-fact he yelled at me over the phone and tried to shift blame onto me. Scott was completely unremorseful of the situation. He simply did not care. In the midst of all this, we were able to track down the VPs phone number, so we gave him a call. While Buzz is clearly, a well-educated and professional person he remained distant from the actual issue. The position he took was more of a coworker who had no power to discipline Scott. However, we were told Scott was ‘yelled’ at… I will say, Buzz explained more about my refinance, and lending in general in two limited phone calls than Scott did in 8 months. I appreciated that. Finally, it is time to close. Documents have published and all I need to do is sign and wait the three days. But wait, my closing cost is showing as $2000~. Well that is not right. Last I spoke to Scott I was told $700~. I then received a phone call.. (if you guessed it was Scott, you win a gold star). Scott did indeed confirm the bad news, but said, “I was going to make it right, you have my word”. He instructed me to sign the documents so the clock could start and we could close. In my gut, I knew better, but at this point 8 months later, I just wanted this over. I signed the documents, and soon found out that BVM was going to cut me a whopping $500 check. Well thanks, after eight months of hell, multiple cash to close changes, failed closing this what their way of “making it right”. So I did what I thought was best, and I called a lawyer. I proceeded to pick up the phone and call Buzz. As mentioned earlier, Buzz is clearly well educated and knows how to talk to people. While the phone call was uneventful, I did ask them to up the amount. Buzz was a master at dancing his away around that, but ultimately he revealed two things. “Scott does a lot of business for us” and “We have no fiduciary duty to you”. So that explains why Scott gets away with what he does, he makes them money so why possible harm that. My call with a lawyer were equally uneventful. Indicated that litigating this would take many years, and no one would likely come out on top. I should accept whatever offer and put this behind me. Big Valley Mortgage upped their offer to $750. I accepted. Google has a character limit on reviews. Go to Yelp to see the missing portion!

Will NEVER do business with them again! They employ a bunch on incompetent people who have no idea how to process loans. Took them 90 days to get my loan to underwriting and they still messed up numerous times to the point we almost lost our house. Sellers had given us 3 extensions and BVM didn't fund our mortgage until literally 14 minutes before the deadline. Had our family of 5 homeless for 2 weeks. Finally got our keys on August 29th and because of their numerous mistakes, we had no "grace period to pay our first mortgage payment(due September 1st)! Do yourself a favor and find a competent, reputable company to do your loan! Got the runaround from everyone including the supervisor! NEVER AGAIN