Joe Alves, California Home Loans Parkshore Dr, Folsom

After working with another lender that was very condescending and failed to get us approved (and told us there’s no way we could), I did a lot of research and found Joe. Since we were in a time-sensitive agreement and needed to get approved quickly, Joe was extremely supportive and very fast. He was so attentive and always answered calls & messages. Joe was very compassionate, and understood the complexity of our situation. Whatever hurdle we gave him he jumped right over it. Joe is literally a holy grail and my mother and I are SO incredibly happy we got to work with him. We talk about him all the time like he is a super hero. (Because he is) Thank you so much Joe. And to anyone thinking of working with him, yes yes yes!!! Don’t waste time with anyone else. He’s the bomb.com

Based on reviews, my husband selected (5) companies to potentially help us with the refinance of our home. He made contact with each and we decided to go with Joe as he was quick to respond, friendly, helpful, & knowledgeable. We couldn't have chosen a better person to guide us through the process. It was fast, easy, and stress-free. The majority of the process was completed over the phone & electronically. A mobile notary came to the home for signing of the final paperwork. From first contact with Joe to funding of the loan was approximately 3 weeks. Based on our experience, a relative also chose to refinance with Joe. This relative was hesitant about refinancing due to a bad home refinance experience in the past. After hearing how Joe worked with us, he made the decision to contact Joe and was thankful that he did. He too found the experience easy and stress-free. Thank you Joe for getting us all through the process with ease & peace of mind. We will be sure to refer you to others we come in contact with who are looking to refinance or have other real estate needs. Much success to you in the future!

Working with Joe on our refinance was the best decision. The process was extremely smooth and quick. Joe is very efficient and easy to work with and I would highly recommend him for your next home loan or refinance.

This is my second time working with Joe to refinance my property. Always a pleasure to work with, very knowledgeable, and is efficient. If the need arises in the future, Joe and his team are definitely my go-to team! I live in Southern California and Joe is based in Northern California. In the past, other companies wanted me to come into the office to complete forms and submit hard copies of documentation. What sold me on Joe and his team was that he utilized technology to complete my refinance. I didn’t have the time nor did I want to make the time to have in-person meetings that could be conducted via the telephone and the Internet. This was years before Covid!

The experience I had dealing Joe has been nothing but great. The refinance process when dealing with Joe and California Home Loans is like no other! Thank you for everything you and your team has done.

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.

Joe and his team are hands down amazing! Words can say a lot but what really speaks volumes are returning customers and referrals. Originally Joe helped me with my first home mortgage and the process couldn’t have been easier and more seamless. He’s extremely knowledgeable, very responsive and he truly cares and wants to help his clients. When I decided to refinance, there was no question that Joe was the lender I would go with. My experience with the refinance was just as exceptional and as usual his team went above and beyond my expectations. I have since referred my mom to Joe and will absolutely refer him to friends and family in the future.

My wife and I have been toying with idea of refinancing our home. She had been listening to the Purpose Funding commercials on the Christian radio program. I took a step of faith and reached out to Joe and the team at Purpose Funding. I began my journey with a young man named Ronnie. I expressed to Ronnie that I had never journeyed down the path of refinance. I had him explain what I was in for. Joe and his team made me feel very comfortable as the process moved forward. They kept me informed every step of the way. Like buying your first home this adventure can prove to be a bit nerve racking. But the team at Purpose Funding did a good job keeping my feathers from getting ruffled. My wife and and I are happy that we lowered our interest rate as well as our mortgage payment. Great job guys. May the Lord continue to bless you as you all help other families.

Working with Joe and his team was a fantastic experience. They stayed on top of everything and made the process incredibly easy for us! I would highly recommend using Joe for all your loan needs!

Joe is amazing at what he does. I had tried with other companies to get my refinance done and no one would get back to me. Joe was always available when I needed. Explained anything if I had questions. He got back to me very quickly. He was there from beginning to end. Made the whole process so easy for me. I have referred him to my family, and friends. THANK YOU JOE!!! Brandy, and Cesar Gomez!!!

I was considering refinancing my home and a friend recommended Joe Alves. BEST decision ever! Joe is knowledgeable and trustworthy, an exceptional professional in every sense of the word. Throughout the entire process, Joe went above and beyond, completing my refi in less than 10 days. No question or concern was ever too small for Joe. He is a man of his word and puts his clients first. I can't thank Joe enough for his kindness and excellent service. Kudos to Joe and California Home Loans. I will highly recommend them to all my friends and family members.

Joe is steller at what he does! Always available to explain anything necessary to those of us who have no idea about the ins/outs of mortgage. Would highly recommend!!

Joe was a pleasure to work with. He closed my refinance quickly. Was able to get me a great rate and went above and beyond to insure that my loan closed very smoothly! Highly recommend. I will be sending all of my friends and family to Joe for purchases and refinances.

I had the best experience working with Joe and his team. Very quick, knowledgeable and responsive with any questions or concerns I may have had. This was the easiest and worry free mortgage experience. Highly recommended! Thank you again Joe!

Joe is exceptional at his job. We inquired about refinancing our home and discussed our goals. Joe was able to help us accomplish those goals in an incredibly quick turnaround. I would highly recommend him to any of our closest friends.

Joe Alves and his team at Purpose Funding were phenomenal to work with! They made the entire mortgage refinancing process very simple and easy to understand. Before I contacted Joe, we had tried to refinance through a few different lenders, but we were mostly dissatisfied with the different loan scenarios we were given. Those other lenders were very hard to get in contact with and never reached-out when they said they would. Joe answered EVERY phone call and text right away. He was also very informative and assuring in his explanations of the process, options, and even through the minor snags that occurred as a result of the global pandemic. Even more, I only had to submit documents on one or two occasions, opposed to having to check and upload documents almost daily with other lending agents. This saved me time and stress/anxiety because I came to trust Joe with the lending process. Everything worked out great! We truly appreciate all of their hard work in satisfying our needs. Thank you, Joe and the Purpose Funding team!