"Jordan was my loan officer and he was great! Communication was great and overall just a very easy process with competitive rates. I highly recommend."

"Keith and Mid Valley Financial are very professional. Dealing with them is very straightforward. I respect the fact that you're not in no man land when dealing with them. I've used them four times in the last 10 years and my experience has been consistent. They always deliver when they said they can"

"Mid Valley was awesome and made the whole process easy and straightforward. Elizabeth James was super helpful and informative and worked hard to get us the lowest rate and payment possible! 10/10 would recommend!"

"Troy made us excited about buying our first home from start to Finish where our first lender fell short. He always answered our questions and if he didn’t know he would find out. He listened to us and made us feel heard. He went above and beyond in our opinion and anyone would be lucky to work with him because he made our experience unforgettable and as easy as he could. We highly recommend him and his knowledge of VA loans was outstanding."

"Troy was great to work with and his communication was excellent!"

"Very professional, very friendly"

"Troy made the whole loan experience pleasant with his hard working attitude and knowledge. He kept us informed at every step along the way. He made us feel we were his first priority and he personally cared about how our loan process was handled. I would highly recommend him to all my family and friends for a home loan. Outstanding asset to Mid Valley Financial."

"Another great experience with Troy Root! He makes getting any loan stress free."

"Another great experience with Troy! He always makes getting any type of loan stress free."

"Troy was incredibly helpful and communicative throughout the entire process!"

"For your peace of mind and satisfaction we recommend MVP. The level of professionalism and how fast the whole deal was disclosed surprised us. The communication with MVP staff was easy to understand step by step and they are very friendly. Outstanding!!"

"Very disappointed. We were very loyal clients, always used MVF for our transactions and you'd assume they would take that into account but we have been left in the dark throughout the process of the current financing process. We decided to walk away due to no communication and lack of action. Luckily there are other institutions out there who value their clients and clients' time. Disappointed. Truly."

"Troy kept me well informed about everything during the process."

"Troy was very professional and personable. He knows his business. I would definitely recommend him ."

"Keith and Elizabeth were great to work with. As a first time home buyer I had no idea how the home buying process worked. Keith and Elizabeth were with us each step of the way. Both were always very responsive as I had many questions during the whole process. They helped my son and his wife purchase their first home as well. Definitely recommend Mid Valley Financial to anyone looking for a lender. Thank you guys for helping my family purchase our first home!"

"Jordan is easy to talk to and efficient. Respond within minutes. I've done two loans with him and possibly on our third. I recommend him every time someone ask about a mortgage loan. I've never met the guy in person but I trust him in his work. Thanks Jordan!"

"He was pleasant to work with and patient with us learning the process."

"Troy root did an amazing job helping us use our va loan to buy our first home. The process was easy and the platform was user friendly! We highly recommend him to friends and family as we were so impressed."

"Troy made the entire process from start to finish awesome. We were originally using navy federal as our lender and it just left us in confusion. Once we spoke with Troy we knew we had to do business with him for our first home. I would highly recommend him without thinking twice."

"Troy is very professional and made the whole process of getting a loan stress free. 100% recommend."

"Troy is amazing"

"Troy was GREAT."

"Troy keeps us informed and updates throughout the entire process. Offers excellent advice when I comes to loan options. I highly recommend his services:-)"

"Troy put us at ease with the whole process. He needs to ROOT, for the Dodgers, though....."

"Troy has the ability to work with all types of people. He is calm, reassuring and patient. He is very knowledgeable and knows what he is doing. I would recommend his services to anyone."

"Great company to work with!"

"Mr. Root did he excellent job he helped us with mini situation‘s in helping us get The long and was very prompt and respectful and did a very professional job me and my wife are very happy with him and definitely we would refer him to our friends and family thank you very much Troy We are happy now in our new home God bless"

"Great customer service! Keith always finds us a solution!"

"Both Jeff & Dave were excellent to deal with. They were both extremely helpful and we received the help we needed in record time."

"Troy always went above and beyond to make sure we were taken care of. He has become family to us. I will always refer him as the one to go to in regards to getting a home loan."

"Came through when we needed him."

"Great service thanks"

"Constant communication and guidance through the process."

"The smooth easy transition to new financing on home Troy kept us informed daily on the process to our refinance"

"He communicated with us often and answered our calls. He never made us wait longer than a day for a response. We appreciated that part."

"Elizabeth James was great to work with. She was very helpful, explained every step clearly, and answered all of my questions about my refinance."

"Mid Valley Financial made the process of buying our first home so much better than we expected! We cannot thank them enough for all of their help and support. Jennifer and Keith really made our first home loan experience positive and less stressful than anticipated. Highly recommend!!"

"Elizabeth James was knowledgeable and professional. She kept in touch throughout the entire loan process and answered any questions we had. Elizabeth was very kind and easy to talk to. Thank you Elizabeth for all your help."

"Keith and his team were great to work with! The are professional, timely, and always kept us up to date on the status of our loan. We will definitely return for our future financial needs!"

"Troy was helpful and was able to explain everything to me in terms that were easy to understand"

"Troy was excellent to work with and made it easy to refinance our home. He knew how to efficiently and quickly move the paperwork through and did a lot of leg work to make it trouble-free as possible. An ethical financial individual who works with you to achieve the best possible outcome and makes the whole financing process simple."

"Daron made my first home buying experience a pleasant one. Looking forward to working with him again in the future."

"The entire process was quick and efficient. The few questions I had were answered timely and compassionately."

"I always had a great experience"

"Troy and his support staff did a great job on our refi, and made what some might make overly complicated...a very simple process."

"Troy made the process very easy, kept me informed & up to date at all times and was incredibly knowledgeable. He was a true professional."

"Troy is very involved in the process and knows what you need to get through the process. Always pleasant to work with!"

"Easy transaction, good rates, have done several transactions with Keith and Mid Valley"

"True professionalism and good knowledge of the construction loan process. Fun and easy environment at office. Just good people that want to see their clients succeed."

"He went that extra mile to make sure everything worked out."

"Troy made this experience great by being thoughtful to our needs, respectful to our views, and honorable gaining and keeping our trust. He is trustworthy and honest with every step in the process. He doesn’t sit in an office somewhere dodging bullets all day....he faces situations face to face. He is rare in today’s market."

"My man Jeff! Honestly it gets no better when looking for a way to find your next deal. Jeff will crawl through the trenches to find you the best rate and loan product for your needs! Jeff goes the extra mile to make sure your loan gets approved and funded on time making you extremely attractive to any seller! Jeff is the perfect addition to your purchase/selling team, let him loose on your next project, you will not be disappointed! A million thank you’s from the Harts!"

"I highly recommend Troy for all your mortgage needs. He has all the knowledge and tools to make the process a breeze! Thanks Troy for all your help! Returning to you after 10 years of helping me purchase my first home was effortless!"

"Returning back to Troy this year for our cash out refi was the best decision! I worked with him 10 years ago when I purchased my first home. I remember it being such a stressful situation for me then but Troy was extremely helpful and communicated with me daily. This time around, it was a breeze! He has all the knowledge and tools to help with my mortgage decision making and the process was effortless. Highly recommend him for your mortgage needs!!"

"Fast and always willing to help out."

"Great company. Our agent Gurpreet went above and beyond helping us get our home refinanced."

"Great doing business with you. Thanks"

"Troy is a professional with a wealth of knowledge and information that makes any financial transaction very easy and painless"

"Thank you Troy for your patience with us, your constant communication and perseverance with our refinance! The Bishels"

"Troy was very informative and always ensured to keep up to date throughout the entire process. Troy had my best interest from the start and always provided pros/cons to any scenario that arose. Troy also was very flexible in working around my busy work schedule and made himself available to me after his general business hours! Deeply appreciate everything he has done during this refi process!"

"Troy keeps very good communication. He’s so helpful and knowledgable. He really makes you feel he’s putting you first and looking out for your best interest. He’s easy to talk to and I just trust him completely."

"Troy was very hands on with us. Was always available to answer any questions we had day or night! Made the process as stress free as possible for both myself and my wife. We would highly recommend Troy to anyone looking to buy or refinance!"

"Always willing to go above & beyond!!"

"Troy was excellent to work with. Very professional and prompt."

"Troy took care of us like we were family! Easy to get ahold of and answered all our questions. I'd highly recommend him to friends and family!"

"I was referred by a friend and will keep using Troy's services."

"My lone was very complex with a lot of different Factors he was able to explain an noticed all the different variables Wich made the process very easy"

"Troy was always available for question and always responded in more than reasonable time! He treats everyone like family 😊"

"Troy’s communication with me and helping me understand the process was very appreciated."

"Awesome experience! Karina Rincon was our loan officer. She made the process very easy going for me and wife. We closed escrow in 45 days and didn't have any headaches or problems at all. She is very professional as she responded to us very quickly to all our questions. I would definitely recommend working with her, she's amazing!"

"Thanks Troy"

"He’s a cool Dude!"

"Jeff and his colleague Stefani are professional, competent, and helpful. We worked with them to refinance a house and the process was seamless and quick. It was a good experience. Highly recommended!"

"Tom is knowledgeable. He helped us get the very best loan. He knows what he is doing and helps you understand the process. He is honest. He has a wonderful personality and is fun to work with."

"Tom is knowledgeable. He helped us get the very best loan. He knows what he is doing and helps you understand the process. He is honest. He has a wonderful personality and is fun to work with."

"Honesty, integrity and helpful. Troy explains the process in a way that we could understand. Great personality."

"Troy is very efficient. He's is always on top of things. He is willing to answer any questions. If he doesn't know he will figure it out the answer. I would recommend him to anyone looking for mortgage advice."

"Troy told us from the beginning that he would make the process fast & simple. That he would do all the work for us and that's exactly what happened. We are extremely happy with his service and top notch professionalism."

"Just want to say that my interaction with MVF was brief, but very pleasant. Their receptionist was friendly and got me in touch with the appropriate person. I spoke with Dave regarding my current situation and the current offer from a broker I’m currently working with. He was honest about what MVF could offer vs my current offer and what would be in my best interest. Dave also provided some tips in what to look for in my loan to make sure I steer clear of situations which could potentially leave me in a financial bind. I will definitely refer anyone seeking financial products To MVF and hope to do business with MVF in the future. Thanks Dave!"

"Troy kept us informed through out the process. He was very good at explaining details and advising us of our best options."

"Quick, efficient, and always available"

"Troy is great guy and very easy to work with. He always accommodate my busy schedule."

"Troy was knowledgeable and kept us informed every step of the way. We appreciated the great service."

"The process was fast and very professional. I'll recommend Troy to anyone."

"He the best in the valley 👌"

"Troy took care of everything. He kept me informed and made my purchase easy. He is a very friendly and professional individual. I would recommend him to everyone looking to buy a home. Good job Troy thanks for all of your help and advice."

"Delbert is a great customer rep. He knows exactly and how to do his work in a superb manner. Any questions he will answer and help you along the way. The service was fast and easy."

"Extremely responsive and provided the information and needed explanations to assist in getting closing done correctly and timely."

"Very conscientious organization. Very diligent in working to.find the best deal that met my criteria."

"Troy is always available to answer my questions."

"He have a good experience and nice person."

"Troy is very helpful with suggestions of what loan will would for your personal needs."

"As a Real Estate Broker and former mortgage loan originator I'm quite familiar with this industry. I chose to refinance my home loan with Mid Valley Financial (through Damien Garcia). Was not disappointed. Great service and highly recommend this company and Mr. Garcia."

"Elizabeth was amazing and we would highly recommend her. She was thoughtful, listened to our questions and answered them in detail, and always responded to us quickly. She was very communicative, and worked well with everyone involved in our home purchase. She thoroughly explained to us the home purchase process, and was always available for us. Thank you Elizabeth!"

"He told me all the information I needed to bring to our first meeting so there wasn’t a lot of time wasted by getting papers, etc. to him later."

"We’ve worked with Troy before, he’s a professional and honest person to do business with."

"Troy Root went the extra mile for me; he wanted to ensure a quick turnaround, and was extremely thoughtful in determining a way to make my transaction process more efficient."

"Troy is extremely knowledgeable in his business and shares his knowledge freely. He is honest and not afraid to advise Customers of best solution for them, even if it means no business for him. I trust Troy and highly recommend him!"

"Troy was on top of the whole process. He always knew what was going on and what to expect... His professionalism and congenial approach kept me smiling throughout! Thanks Troy!"

"Troy was very communicative throughout the whole process. We always knew exactly where we stood and knew what the next steps are. He was always available to answer questions (sometimes well after normal business hours). He was super helpful and we are so glad to have him on our team!"

"Very Friendly like you are part of the family, always on top of current mortgage rates, kept me well informed on documents needed and text me copies, service was excellent all the way around. Very good company to go with.!"

"Excellent Lenders with a very knowledgeable staff!!"

"Working with Troy was a pleasure!! He made sure to go through all of our options and to assist us with understanding what would work best for both short and long term goals. I would highly recommend using Troy and MVF for your lending needs. Mike"

"Troy took great care of us"

"From the beginning to the end, Troy put me at ease & made me feel like he was in charge & knew exactly what to do. Candid yet professional throughout my transaction, sprinkling his personal life into the mix made me feel like the purchase was ours & we were going through it together. Troy was very thorough & walked me through each step of the process. Most importantly, he communicated EVERYTHING & kept me in the loop! Thanks Troy!"

"."

"Troy has been amazing from the start! Very friendly always upfront and made time for us when we had questions, and we had questions. My husband likes to be on top of the budget and Troy was able to work with him in every way possible! He deserves a raise! A very valuable employee! I will definitely recommend him to anyone."

"Troy was a champ at helping us through the whole process, home purchases can be stressful times as it is, with Troy I always felt comfortable and the process was a breeze. I have already recommended MVF and Troy to family and friends!!"

"."

"Troy’s a great! Very proficient , precise and always there to answer a text or call if we have questions regarding the loan & its process,,, He is very helpful and have a great team that facilitate us on our first home purchased and attaining our american drean come true... Thank you so much and looking forward to working with you again in the future for our next home buying process❤️"

"Troy was great to work with. He answered all my questions immediately and kept me informed during the whole process. He was quick with answering emails. I would recommend him to anyone purchasing a home or looking to refinance. Definitely an A+ experience!!!"

"Gurpreet was amazing to work with his knowledge and communication skills were superb! This was my first house buying experience and Gurpreet took the time to break everything down and explain it the best way possible If I had any questions he instantly responded. His kindness took away the nervousness that a first time home buyer especially in they're 20's would have. Him and Mid Valley Financial are there to help and guide you the best way possible. I Absolutely recommend them! Thank you for making this dream happen Gurpreet and Mid Valley Financial!!!"

"Troy is very good at tracking details and following up when needed. I have great confidence in his service."

"Troy was on top of his game. I gave him a desired time to close and he exceeded it by one week. He was very responsive to my inquiries in a timely manner. I would use Troy again in a heartbeat without hesitation."

"Friendly and informative. Kurt Goetz will treat you special and has the know how to get a deal done. Even when there are difficulties or surprises. And life is full of those! He should be your go to first choice."

"Troy was very knowledgeable and explained each Step as we went along. He was always very friendly and made the process go smoothly."

"I was informed about what was going on the prosse of the loan all the time an flexibilidad on the time"

"Doug was awesome !!!!!!!!"

"Troy is on it! He can be reached at any time. I am glad I went with him."

"Damien Garcia is honest, knowledgeable and trustworthy. A true professional whom I'd recommend to any family or friends making one of the most significant financial investments in their lives. I was also pleased with the cloud technology MVF uses to make the process quick and easy. The convenience of providing and signing documents securely online was great. I'd vetted other lenders online and MVF's process was by far the most convenient. Thank you Damien and Mid Valley Financial."

"Have worked with Mid Valley Financial for over a decade and they never fail to deliver and do so with excellence. Damien Garcia was an absolute rock star throughout the whole process of purchasing our new home!"

"Interested in a commercial loan? Come visit Doug Lanier!"

"Troy just made me feel like we were best friends. Was able to answer all of are questions to are satisfaction."

"Troy is the best and most helpful loan officer I’ve ever experienced in all my 49 years of buying and selling home. Do yourself a favor and seek him out!!!"

"I was doing a 1 time close construction loan, which i had no idea was so hard to do. This particular loan took a lot of communication and back and forth. thanks to all of Troy's hard work, we finally made it. I don't think this loan would of been put through using a different loan officer. Though the loan was a very painful process for me, when I only had to deal with Troy; I could only imagine how tough it was for Troy, when he had 5 different parties to communicate with."

"Being very punctual and getting the job done with in the time limit was great . I can honestly say that I would recommend my friends."

"As a first time buyer, Troy made everything easy to understand and helped me through step by step. Great communication too, he was always there if I had a question."

"This was the second time Ive had the opprotunity to use Mid Valley Financial for my home lending needs. Both experiences have been with Jennifer Nelson and both have been amazing. Where other banks and credit unions have failed to meet my needs or expectations, Mid Valley handled business in a timely manner with better programs."

"Gurpreet is a very knowledgeable, honest and a transparent person in his field. It was a great experience working with him. He delivered the exact same service that he promised me in the beginning without any hidden surprises. I definitely recommend his name for any kind of loan services."

"Troy made the home buying process as easy and painless as possible, and guided us through every step. We moved in one month from making our offer and Troy made it all possible."

"Troy made the home buying process as easy and painless as possible, and guided us through every step. We moved in one month from making our offer and Troy made it all possible."

"Troy made our home purchase easy and painless."

"I used Mid Valley Financial for my first home purchase in 2018 thanks to Gurpreet Ranu. About a month ago, Gurpreet called me and notified that I can get a lower interest rate for my refinance. The process was seamless, and Gurpreet was there every steps of the way to answer my questions. Thank you Gurpreet and your Mid Valley Financial team."

"Troy was great at getting back to us in a timely manner. He was great at answering our questions & if he didn't know rt then he'd research it & get back to us."

"Troy helped us with explaining options we did not know we had. We closed escrow faster than anticipated and we will use Troy for future investments."

"Troy did a great job and we were quite happy with how everything turned out."

"Doug Lanier is the best in the business!"

"Being a first time home buyer is very nerve wracking to begin with. Troy Root made the whole process very comforting and much easier to endure. He answered all my questions and with his obvious experience and professionalism made me feel at ease."

"Troy Root went above and beyond in helping with financing. I had a somewhat complicated issue involving a 1031 exchange and was looking for some options with my situation. Troy was able to give me several options from private money to conventional loan. We were able to work through my issues and secure the home we were purchasing. Thanks Troy"

"Buying and selling a home at the same time can become a little complicated, so my mortgage broker connected me to someone he says was the best fit for us. I received a call from Troy Root from Mid Valley Mtg and my broker was right, the connection was there. Troy became our mortgage advisor on our recent home purchase and sale of our other home. Troy was so dedicated to us and to our mortgage needs. He ensured us exceptional service before, during, and even after the mortgage process. Because of our work schedule Troy came to us instead of us going to him. I feel that he went above and beyond to help us make our home purchase and closing process run smoothly and quickly to close concurrently with our home sale in Clovis. Troy always kept us in the loop from day one and throughout the process. We had a great experience because we had a great advisor. Thank you Troy. We are enjoying our new home!"

"Troy Root is Top-notch!!! He went out of his way for me to make sure my home buying process was as stress-free as possible. Highly Recommend!"

"My experience with Troy and Angela Was exceptional ,I will continue to recommend them to Anyone in need Of their services"

"Kurt is amazing and he took care of my husband and I when we relocated from AZ and purchased our home here in Fresno"

"Troy is always fast on my needs to any problem he is great ... i will never go anywhere else hes honest"

"They were extremely helpful, quick, and guided us thru the process. Thank you Mid Valley!"

"I worked with Troy from the end of July til early September, 2017. He helped me buy my first house in over 20 years from scratch. From "Hi Troy, this is Michael Davis", to close was just over 1 month. Troy was always on top of everything, and always more than willing to walk me through each step of the complicated loan process, explaining everything in a clear, easy to understand way. He stayed in daily touch with both the seller's and my real estate agents and had a good rapport with both so the whole thing went very smoothly. Troy gave great advice and his experience was invaluable! Thanks for making this major life change as stress free as possible Troy, you're the BEST!!!"

"Troy Root and his team at Mid Valley are professional and on top of it. Simple stress free process, very informative and always reachable, which is good because I had a million questions. I highly recommend Troy Root to get you into your new home."

"Troy Root and his team at Mid Valley are professional and on top of it. Simple stress free process, very informative and always reachable, which is good because I had a million questions. I highly recommend Troy Root to get you into your new home."

"It was simple. Troy and his team were on top of it as they were very informative and helpful. Troy is quick to respond any questions during escrow and professional. I already referred friends, coworkers and family to Troy."

"I worked with Troy Root and he was AWESOME!!! He worked overtime helping me get from pre-approval through close in less than 4 weeks. I highly recommend him for his knowledge, his professionalism, and his temperament!!!"

"Dave Sutton is a pro that goes beyond. He not only got us a low refinance rate but directed us to help n a legal matter. We have dealt wit Mid Valley since 1994 and have always been treated as if we were their only client. We have recommended Mid Valley to other family and friends, Dave in particular, because of the honesty and integrity of the staff."

"Very knowledgeable on the loan/refinance process and access to multiple lenders to shop for the best rate. Has software on his iPad so that he can input data and adjust proposals on the spot if necessary."

"Very knowledgeable on the loan/refinance process and access to multiple lenders to shop for the best rate. Has software on his iPad so that he can input data and adjust proposals on the spot if necessary."

"Troy Root is the absolute BEST at what he does. He goes beyond the standards for helping his customers. He helped us sell our property in Oakhurst CA and the purchase of our new home in a new city. I can't imagine ever working with anyone except Troy. He truly loves his job and his clients. I recommend him to everyone I know."

"Troy kept us up to date with each stage of the loan process. He was a wonderful consultant and extremely knowledgeable in the many different facets and option of which loans where the most favorable for us. We settled on a VA Loan, which closed in less time than was anticipated."

"From the very beginning Troy Root was simply outstanding. This was my first experience with Troy and his firm. He was timely, anticipated what questions that I would ask and had the answers and more importantly explained them in layman's language so I did not feel intimidated. I would certainly use Troy and the firm again and have recommended both to other friends that are going through the real estate cycle at this time. Job well done!!"

"Troy Root is the absolute BEST at what he does. He goes beyond the standards for helping his customers. He helped us sell our property in Oakhurst CA and the purchase of our new home in a new city. I can't imagine ever working with anyone except Troy. He truly loves his job and his clients. I recommend him to everyone I know."

"Troy kept us up to date with each stage of the loan process. He was a wonderful consultant and extremely knowledgeable in the many different facets and option of which loans where the most favorable for us. We settled on a VA Loan, which closed in less time than was anticipated."

"From the very beginning Troy Root was simply outstanding. This was my first experience with Troy and his firm. He was timely, anticipated what questions that I would ask and had the answers and more importantly explained them in layman's language so I did not feel intimidated. I would certainly use Troy and the firm again and have recommended both to other friends that are going through the real estate cycle at this time. Job well done!!"