Joe Alves, California Home Loans

Several different types of fees can be involved in taking on a new mortgage or working with a new lender, including origination fees, application fees, and appraisal fees. In some cases, mortgage brokers may be able to get lenders to waive some or all of these fees, which can save you hundreds to thousands of dollars. “We refinanced our loan through Shane and would highly recommend him to anyone needing a new home loan or wishing to refinance their existing home loan. He is very professional and made the loan process go very smoothly. He kept us informed at every step of the process, always got back to us quickly if we had any questions, and was well organized, straightforward, honest, and upfront about any fees.” “Joe is SIMPLY THE BEST!! It doesn’t matter how many questions you may have he will always answer, he’s always there for his clients. It’s our 3rd time we work with Joe and as always, he meets our expectations and his work is impeccable! Thanks Joe for everything God continue blessing your life!!” “I was working with another lender for two months trying to get my house refinanced. Joe had my loan approved in 9 days. Needless to say if you are looking for a loan I would highly recommend Joe as he is expedient and very knowledgeable. I will use Joe and his team for all my future loans.“ “We recently closed on our refinance. Shane was very professional and made us feel comfortable from the very beginning. Always had an answer to our questions and kept us updated on every little detail. We will definitely call Shane again for any future mortgage needs. We have already recommended Shane to our friends and family. You will not be disappointed!”

Kelly Spencer
5 Star
I recently worked with California Home Loans to obtain a personal loan, and overall, my experience was outstanding. Joe was incredibly knowledgeable and took the time to understand my specific needs and preferences. He offered insightful recommendations that truly enhanced the final outcome of the sale. The application process was incredibly straight forward. I was pleasantly surprised by the speed of the approval process. After submitting my application, I received approval within minutes. This efficiency is a major plus for anyone needing funds quickly. California Home Loans offers competitive interest rates and there were no hidden fees or charges. Everything was clearly outlined from the beginning, which gave me peace of mind. We were able to be competitive in the market and close the deal. I am confident that you will be in good hands with California Home Loans. They exceeded my expectations in every way and delivered a final product that I am incredibly pleased with. Their professionalism, expertise, and dedication to excellence make them a standout company in their field
Friday 17th May 2024

Rick Cole
5 Star
Joe Alves with California Home Loans made our new home purchase anxiety free and an extremely positive experience. Every detail was handled in a timely way. The communication was clear every step of the way. Joe was looking out for our best interests all along the way. The loan was closed on time for us to get the keys to our new home and have a few days to transition for the home we sold. I can't recommend Joe and California Home Loans high enough. I will reach out for his services again when the interest rates drop a bit and we can refinance.
Tuesday 26th March 2024

Nancy Spina
5 Star
Joe is the best person for home loans that I have ever experienced in my 45 years of purchasing my homes! It was the easiest and quickest process and I was so appreciative of his quick replies to my questions. He made this process seamless and extremely quick! Loans have never been fun to do in the past, but his quick results made it fun to see how fast and efficient he can make refinancing happen. I look forward to working with Joe in the future on any of my loan needs!! Thank you to Joe and his team!! GREAT JOB!!!
Sunday 14th January 2024

James Spaeth
5 Star
Joe did a great job with our loan and was able to meet our aggressive timeline. He was a fantastic resource for my wife and I throughout the entire process , especially since this was our first home purchase. Everything was quick and easy!
Monday 25th March 2024

james raia
5 Star
Joe was recommended to my wife me by a mutual friend and business owner. He has directed many clients to Joe, and we are glad he did. Joe was professional throughout the entire process of our purchase. He explained the details and was always available when we had questions. Much like our friend did for us, we will recommend Joe if a friend ask us for a recommendation.
Wednesday 28th February 2024