Joseph Kelley "Joe The Mortgage Giant" COO/Owner of Golden Bay Mortgage Group Del Paso Rd, Sacramento

Joe was fantastic from beginning to end! We just purchased our first home, and I honestly wasn’t looking forward to the paperwork (absolutely despise it). However, Joe and his team made the mortgage loan process so easy and seamless, and answered all my questions (I had many) in a timely manner. If you’re looking to close quickly with no hiccups, Joe is your guy! Highly recommend!!!

Joe is fantastic to work with! Him and his team are exceptionally fast and efficient at what they do. This was our first time purchasing a home and we never felt left in the dark nor misinformed. Anyone who is looking to purchase real estate or refinance, Joe is that guy!

What can I say about Joe other than amazing!!! Joe worked with us for over a year while we searched for our perfect house. I can't tell you how many times I called him asking for payment details on perspective properties, way too many, lol. Joe never once acted like I was bothering him, always ready to help my wife and I. He made the whole process so easy and always talked us through each part and what to expect. I can't recommend him and his team enough!!!

Joseph and his team are amazing, professional and very knowledgeable. Joseph never made me feel like I was bother him, he is very patient, even when I called on the weekends. I highly recommend him and his team for any lending needs. I will continue to refer him to my family, friends and anyone that needs his assistance. Thank you so much.

Joe was amazing throughout our refi process. He had patiences with us when we were deciding which option to go with, he provided detailed videos to make sure we understood the documents and the process. I highly recommend him if you have any mortgage needs.

Joe is an excellent loan officer. He has been very responsive, knowledgeable, and helpful throughout the whole process for our purchase. Our escrow closed earlier than the expected date because of Joe and his team.

I worked with Joseph for my first home buying experience and have nothing but good things to say! Worked with me day and night at almost any hour and made things extremely quick and easy. I can highly recommend him

If you are looking for a good lender Joe is the best. He's on the ball goes above and beyond to meet your needs! He's not only nice , hes very dedicated and trustworthy and we are thankful and extremely satisfied for his services.

Joe was exceptional and really helped make our homebuying dreams possible. The transaction was quick, easy and Joe was fast at replying! We highly recommend and will be back in the future!

I cannot speak highly enough of Joe. My wife and I have been working with Joe Kelley for the last 8 months. We put 9 offers in on different homes through that time period. Every time we called Joe he picked up the phone and every time we emailed him, he got back to us the same day. To say that he was responsive is an understatement. He also was able to explain multiple options for financing for our mortgage. And when we were in escrow, he closed extremely quick. He was prompt, friendly, knowledgeable and always accessable. We will be using him in the future if we have any more home purchases.