Testimonials

We are incredibly grateful for the outstanding job Nate and Cathy did throughout our loan approval process. From start to finish, Nate provided exceptional guidance, answered all of our questions, and made the entire process smooth and stress-free. Cathy was always prompt and efficient, ensuring that everything stayed on track. Their professionalism, support, and dedication made all the difference, and we couldn’t be happier with the outcome. We highly recommend Nate and his team to anyone looking for a trustworthy and efficient lending experience!

I wanted to write you and extend my utmost gratitude to you for all your help and support in making my dream a reality. I am a HOMEOWNER at the age of 31! When I started this process, it was simply a conversation and it started to feel nearly impossible with the market we were working with, not to mention, also competing with cash offers and two-income households. However, 4 lenders later, YOU were able to make this happen for me. I am beyond grateful to you for all the work you've done, and time you've spent with me to make this real. I look forward to working with you again in the future when that time arises. My greatest regards and all the thank-you's in the world, Natalie Joya

I am extremely satisfied with the help and support through out the process with the company. Nate and Cathy were into all the things, kept me informed and up to date all the time. Despite of the special situation of my loan, it was managed perfect and completed with no issues. I recommend Valley Funding to anyone.

Nate was so amazing in how he personalized everything to best fit my budget. He always respected what I was comfortable with, and he was always available and eager to sit down and walk me through documents I didn’t understand. He kept his eye out and stayed in constant communication with me to get me the best interest rate possible. If you’re a first-time homebuyer or not, I’d definitely recommend Nate Newsom!

This was the second time we worked with Nate and our experience was exceptional again. Just like last time, Nate and his team kept the process moving forward, provided easy to understand instructions, and kept us updated on a regular basis. I had heard the refinance process was long, but, just like with our mortgage, Nate and his team closed our loan in just weeks. Thank you, Nate and Cathy, for your great service! We look forward to working with you again in the future!

Nate you went above and beyond. It took me a year to save and organize my finances. Even though I wasn’t quite ready, you still made time for me. You were so patient and willing to answer questions and help me. You were the third lender I spoke to and proved to be the most kind and knowledgeable. I am finally a home owner. I am grateful to you and your team and highly recommend you. I always heard buying a home was stressful, I did not feel that. You made sure I understood everything and treated me like a friend. Thank you for helping make my dream come true.

We were very lucky to get referred to Nate. He is the best. Super patient with all the millions of questions and the anxiety we had of purchasing during such a tough time. Nate made the process much easier to bear. We are very appreciative of all the work he has done for us. Highly recommend him for purchase and refinance.

As a first time home buyer, this process can be a bit scary and overwhelming. Nate and team were awesome to work with… very knowledgeable, responsive, timely, professional, friendly and supportive throughout the whole process.   They really made the process as smooth as possible. Top notch team and all around impressive. Would definitely recommend Nate to anyone who is looking to purchase a home and look forward to having the opportunity to partner with him again in the future. 

Nate and Cathy saved the day! If it wasn't for their persistence, overall knowledge and perhaps network, our family wouldn't have been able to obtain our dream home. They were so professional and communication throughout the entire process was phenomenal. All timelines were met and closing was a breeze. Will definitely recommend them to all of our friends and family.

We had the pleasure of working with Nate in our home buying process. Nate was an exceptional agent that ensured that our experience went as smooth as possible. Nate was able to answer our questions and took his time to guide us through the home buying process. He worked within our budget constraints and gave us an excel tool that was instrumental in helping us understand which houses and rates were within our budget. Nate's expertise in the real estate market allowed us to secure an excellent deal and we are incredibly grateful for his help.

Nate Newsom was a godsend during the entire mortgage process. Not only did he manage to find me a (substantially) better deal than my current bank was offering, but he did it so quickly and made the whole process feel easy. A mortgage miracle worker! I would recommend him to anyone and will definitely use him again.

Nate was wonderful to work with for purchasing my first home! He answered every question and helped me fully understand all the steps and processes to buying! Thank you Nate!

Nate and his team are wonderful to work with. They are attentive, detailed, trustworthy, and professional with excellence in customer service. I am very appreciative of their work and efforts. They took care of mortgage needs and went above and beyond for me.

Nate was great took me seriously answered all my calls and questions and never made me feel like my concerns were invalid I hope if I’m ever fortunate enough to get another house I get to work with him again.

Nate and his team were incredibly fast and responsive. Couldn't have asked for a better experience or more attentive team. Thank you!

Nate made the process of buying a home an absolute dream! We felt comfortable immediately and as we were first time homebuyers, had SO many questions but Nate was there to guide and educate us every step of the way and we truly trusted him and his team. We couldn’t have made this happen without him. We are forever grateful!!

My friends and I approached Nate last fall about our idea to buy a house on shares. Although this seemed difficult to us, it wasn't with Nate. He met with us discussed our situations. To Nate it was not an odd circumstance at all. It took some creativity on his part to arrange financing. He came up with different options for us and assisted us through the whole process. I would highly recommend Nate to anyone. He did a great job for us and we are continuing to enjoy our new home. Mike Huser

This is our second loan with Nathan, he made the process easy. Highly recommend he does his job well.

Being my age, I have delt with allot of folks in the Funding/Financial world and Nate is at the top of the list when it comes to his professionalism, attention to detail, and mostly to his customers wants and needs. Nate you are the greatest. Thanks

Nate was incredibly helpful walking us through the process and helped ensure we got the lowest rate possible. We were first time home buyers and Nate and co. took a lot of the stress off our shoulders!

I have had bad experiences with loan officers and lenders in the past that left me feeling discriminated and taken advantage of. However, it has been different with Nate. I have worked with him twice and has been remarkable! The level of attentiveness, effort, and professionalism surpassed my expectations. Used his enormous knowledge to address any questions and concerns I had in a timely manner. He also went above and beyond to get the best loan in a fast, smooth and straightforward manner. Nate and Cathy were available by phone and email throughout the process. Highly recommended for anyone getting a new home, refinancing or requiring other mortgage related loan services. Thanks again Nate and Cathy. You are awesome and God bless you!!

Great to work with! We are first time home owners and Nate helped us at every step when it came to pre qualifications, pre-approval, number crunching and breaking down the closing processes. Thank you Nate for the phone calls & keeping us calm, reassured and well informed!

I’ve had horrible experiences with loan officers in the past that left me feeling taken advantage of. Well, not this time! Nate was such a breath of fresh air and has renewed my faith in the home buying process! Now, this process was more complicated than usual due to the current market. Rising rates and declining home values had us unsure if this was the right time to even consider purchasing a home!? Nate went above and beyond, by reassuring us, and settled our nerves countless times while he and his loan processor “Cathy” seamlessly guided us through the entire loan process. He answered all of our numerous questions, promptly and thoroughly at all times of the day no matter how silly they were. It’s humorous thinking how he must have been so relieved when our loan closed!! His patience, professionalism and knowledge in his profession is in abundance. But to really sum up my experience with Nate Newsom, he’s just a really good, “down to earth” guy that has a great big heart, and he genuinely cares about his clients during and after the loan closes. You’re the Man Nate, you have me and my family's business for life, I can’t thank you enough!

I have had the pleasure with working alongside Nate as his rep at United Wholesale Mortgage for many years now. I've worked with hundreds of loan officers and brokers all across America. I can confidently state that Nate is the epitome of an elite loan officer across multiple dimensions. Not only is he a true professional, he is also a genuinely great guy. It's not surprising his client's love him. It only takes one phone call with Nate to understand you're not dealing with your average mortgage professional. What truly sets Nate apart is his relentless pursuit of perfection in terms of delivering an unforgettable client experience. His attention to detail and mortgage knowledge are top notch. Few have a more detailed and thorough up front prequalification process. Nate makes zero mistakes. A preapproval issued by Nate is gold. Any client he says qualifies up front, truly qualifies. Nearly 99% of his purchase loans reach the finish line. Borrowers can shop for their dream home with confidence, and his realtor partners share the same confidence in knowing they can look forward to a smooth and on-time closing with minimal stress for all parties involved. Nate's work ethic is nearly unmatched. The man always seems to be working, while simultaneously making you feel like you're his most important person he's talking to. He answers any phone call, email or text with the sense of urgency that few professionals can replicate. It's been an honor to witness Nate's rise to becoming one of the most elite purchase loan officers in not just the State of California, but the entire nation. His success is no surprise to me whatsoever, and I sense he is only getting started.

Nate was excellent. So easy to work with. Communicates really well - through email, phone or text. Explains everything so that you understand it and all of your options together. Really first class service. Highly recommend.

It was a pleasure working with Nate. He is awesome! The level of attentiveness, effort and professionalism surpassed my expectations as a first time home buyer. With immense knowledge he always addressed any concerns or questions I would have. Nate and his team really go above and beyond and made this process fast, smooth and straightforward. In less than two months I was in my new home! He was always easily accessible by phone, email and zoom throughout the entire process. I couldn’t be happier, definitely my go to person for the future. I highly recommend to anyone looking into purchasing a home. Thanks again Nate!

Nate and Cathy were wonderful to work with! Professional and fast! My home loan was funded in 20 days!

Nate and Sharon were very helpful and professional. They made it available answering my questions and showing me a lot of different houses options. I found my lovely home after 4 months of searching, Thank you!

Quality Service! Highly recommend! Knowledgeable, professional with authentic compassion! As our second lending transaction with Nate! Answers every question, puts you at ease with truly being a phone call away! Nate goes above and beyond! Thank you again for your outstanding service!

I first used Nate almost 20 years ago and again just recently to finance a home purchase in Folsom. I was nervous and unsure if I would be able to qualify as I had been out of the county for quite some time. Nate again came through and helped me get into my dream home. Nate is honest, patient and an expert in his field. Additionally, I found his rates and fees to be the best around. I strongly recommend Nate and his team for any home financing needs you may have. Sincerely, Brandon Vidrio

How do we even begin to explain how amazing and wonderful Nate and his team are!! We were first time home buyers and so extremely nervous. Thank goodness we found Nate! He explains everything so clear and in a way that you, the new buyer, can understand. Nate is the guy you could only hope and pray for to be your go to guy when purchasing a home!! I can’t tell you how extremely grateful we are to him and his team! Thank you so much!!! The Olson Family from Valley Springs??

Working with Nate and his team made our new adventure in buying our first home amazing at the age of 66...Nate and his team are very committed during the process, Nate and Cathy were always in touch with us every step of the way. I would highly recommend Nate to anyone wanting to buy a home. I would like to thank Nate and Cathy for everything in making our new home a dream come true.

Nate and his team were very accommodating and professional in assisting us qualify for our first home. Not only were they able to explain the financing process to us in fine details, but they were able to offer valuable advice in the due process. They went above and beyond to find us the best deal. If you are reading this review and want to find the most straight forward way to finance your future home, I would highly recommend Valley Funding.

We had a “WONDERFUL”experience working with Nate. He was very knowledgeable and helpful with our refinancing process. Nate also made himself available for any questions that we had. Definitely a FIRST CLASS ACT. We will definitely recommend Valley Funding (Nate) to family, friends and neighbors. THANK YOU NATE and we can’t leave out Cathy.

Nate financed my first home over 19 years ago, and I've used his services many times since. Nate is trustworthy, reliable and quick to answer all questions clearly and concisely. Additionally, he's always gone the extra mile to ensure I'm getting the best rate available. These are the reasons I've referred him to all my friends and family over the years. I intend to use Nate for all my future financing needs, and you should too if you're looking to the best rates and most importantly someone that has your best interest in mind and will be there for you over the years.

Nate is the best loan officer I have ever worked with. He is very professional and really knows his stuff. He went above and beyond to help us get our dream home. I would recommend him to all my friends and family.

Nate was so incredibly professional and the follow up throughout the entire process was absolutely fantastic. I'd definitely use Nate and his team again. I've recommended him to my friends and family over the past 20 years and they too can attest to his professionalism. So, if you are looking for a lender, don't hesitate to call Nate.

Nate is the best!!!!!!!!!!!!

Working with Nate and his team was amazing every step of the way. Nate was very committed on helping me purchase my home! Nate explained everything and made the process of buying a home less stressful! Everyone was professional and the communication was great! Overall, I definitely recommend Nate and his team!

Walking into home buying process as a first time home buyer can be complex and scary. We worked with Nate on our first ever house and process couldn't have been more smoother. He offered explanation at every corner and turn in the process. Nate is completely transparent and prompt. No hidden costs in CTC. Straight forward to the point. If you're looking for a lender, I highly recommend Nate. Fast, easy and reliable. Nothing less than 5 stars! Really would like to thank Nate for helping us secure our dream home.