Do not want to respond - Mark - IONE, CA

OJ is incredibly professional and well informed. He follows through, is transparent, and shows integrity. - Kara - SACRAMENTO, CA

OJ was wonderful to work with and is a super-nice guy. - William - SACRAMENTO, CA

Working with OJ is alway a pleasure. He’s knowledgeable, responsive and really ensures he’s working for your best interests. I highly recommend Caliber Home Loans. - Caryl - LINCOLN, CA

O J Vallejo was available, returned calls within a very reasonable time, and was personable and easy to work with. - Judith - IONE, CA

I have known OJ for almost 30 years and he has always been easy to work with and very knowledgable about finance and real estate. I trust him to always provide honest and sound advice and to ensure I am getting the best terms possible on my loan. - Bruce - ROCKLIN, CA

The only reason it wasn't perfect is because it took quite a while to get to underwriting and ended up missing the prime rate. I understand this was likely because of so many applications being filed and the inability to keep up with that volume. Very happy with OJ and communication. I have worked with him three times now and keep going back. - Jason - Folsom, CA

O. J.’s experience and expertise made this re-finance process efficient and stressless. - Martin - El Macero, CA

Very professional and kept us up to date on everything. - Alexander - Rocklin, CA

OJ has supported my home financing on several occasions now. Smooth and painless process each time. Highly recommended. - Julius - CARMICHAEL, CA

Working with OJ is a breeze. Always kept us updated and informed. - Mike - ELK GROVE, CA

O.J. Vallejo is the ultimate professional. He kept us informed every step of the way and when we left messages for him he was quick to respond. He also explained the refinancing process well and always asked for our input. His stellar communication skills made it an easy and transparent process. - Lorena - ELK GROVE, CA

Trust in OJ and timely responses - Joanne - PLACERVILLE, CA

FIVE STARS FOR O.J. VALLEJO! O.J. Vallejo continues to amaze me with his ability to keep me informed every step of the way about the processing of my mortgage refinance application, even when he is juggling numerous other clients. He also goes above and beyond in answering my questions about the process, which I greatly appreciate. This is why I and my family continue to consult with him year after year. We trust him. He’s the best! R.A. Forée - Rebecca - SACRAMENTO, CA

O.J. is always willing to answer my many questions and gets back to me quickly, even when he is busy. He is so wonderful to work with! Thank you, O.J.! - Meghan - CARMICHAEL, CA

Brian and I started this process with inquiries into refinancing our home. O.J. was quick and thorough with providing us with all the information needed to make our decision. Once we started our refinance he explained the process and answered all of our questions in a timely manner. He was patient with us when we wanted further clarification on the process. From start to finish our experience with O.J. and Caliber was excellent. We will continue to share our fantastic experience with others! - Shelley - ROSEVILLE, CA

OJ was great to work with and kept us informed throughout the process. He even presented us several options to pick which was best for us. Thanks for everything. - David - LINCOLN, CA

Here's hoping Caliber appreciates what a gem they have in O. J. Vallejo! - Maurice - Sacramento, CA

OJ is awesome! We have worked with him several times and he always takes great care of us. He is honest and has great communication. He takes his time and makes sure you understand everything. - Andrea - ORANGEVALE, CA

O.J. answered all my questions and helped me get a very good interest rate. He was always helpful and professional. - Sherri - Sacramento, CA

OJ Vallejo is the reason why I keep coming back to Caliber. - Joshua - Elk Grove, CA

Home buying is stressful. I was extremely thankful to have O.J. managing the financial side of the process for me. He was always accessible whenever I needed a question answered or a document clarified. I trust him fully and would 100% recommend him for any home loan needs. - Barry - Sacramento, CA

We have worked with OJ for years. Always has our best interest in mind, keeps you informed and explains any questions that you might have. - Cully - Placerville, CA

O.J. Is an outstanding lender and does a really great job. - Robin - Sacramento, CA

O.J. made it a very easy and pleasant in every way possible. He explained every step which I very much appreciated. He was a pleasure to work with!! - Ellen - San Ramon, CA

It was a pleasure working with OJ. He always provided the most accurate information. He was receptive and patient answering any of our questions. - Veronica - Vacaville, CA

OJ is relaxed & alert/focused. He's very knowledgable, kind, & funny! He GETS THE JOB DONE, on time & on budget! As an ex-project manager myself, I'd say OJ has exhibited all the qualities needed to keep making his clients quite happy! Thank you for your help OJ! - Deborah - Sacramento, CA

Keeping us informed, and OJ’s follow through. - Michael - Orangevale, CA

O.J. is always spot on. His communication, follow through, and personality are always exemplary. I hope to work with him again in the future. -Jon - Jonathan - Orangevale, CA

Explains the process of refinancing in an understandable way. Maintains very good communication throughout the process. - Philip - Sacramento, CA

. - Randall - SACRAMENTO, CA

We closed on time in 21 days. Extremely helpful. - Christine - Carmichael, CA

We appreciate the attention to detail OJ and his team gave our transaction. Smooth, fast, and efficient! We will recommend OJ and Caliber to anyone who are looking to buy a home. - Greg - Carmichael, CA

Oj has provided us solid advice for years. He is extremely knowledgeable and goes the extra mile for his customers. - Martin - SACRAMENTO, CA

OJ made the process so smooth and easy. He communicated clearly and was always available to answer questions. He helped us identify the best time to do our refi and worked tirelessly to make sure everything worked in our favor. He’s been fantastic to work with. - Jeffrey - ELK GROVE, CA

OJ was very responsive to all of our questions and was very courteous to ensure he wasn't pressuring us to do anything we weren't comfortable with. - Matthew - SACRAMENTO, CA

Responsive to questions, knowledgeable - Melissa - Sacramento, CA

Thank you OJ! - Mark - San Mateo, CA

OJ helped me through the entire process. Thank you. - Marc - Sacramento, CA

Timely and responsive communication. OJ was quick to help in resolving a couple challenges that came up during the process. Excellent service all around - Oluwapelumi - West Sacramento, CA

OJ Vallejo made my home buying experience a breeze. He helped me understand the process and answered/addressed all my questions/concerns. He was a joy to work with and I highly recommend anyone, especially first time home buyers, work with OJ and Caliber as their lender. - Nicole - RANCHO CORDOVA, CA

Efficient, courteous, and put our needs first. - Sharon - Patterson, CA

OJ has helped me with multiple mortgages and refinances and I have come to trust his advice and counsel and will always look to OJ to assist with my borrowing needs. He helps identify the best loan options for my situation and is very responsive and helpful with navigating through the loan application and document gathering processes. - Richard - Patterson, CA

I worked with OJ and my experience was outstanding! His client service is exceptional and I felt like the entire time we were in good hands. OJ guided us through the process, answered all our questions, and made him self available with whatever we needed. Thank you, OJ! Best experience ever! - Lisa - MURPHYS, CA

OJ was awesome. - Ricky - MURPHYS, CA

OJ walked us through every step of the loan process and was on hand to explain parts of the home-buying process that did not even pertain to the loan. He was extremely responsive to our inquiries and questions and helped us secure the best rate possible. Thanks OJ! - Emilio - Sacramento, CA

Very attentive and quick to respond. - Eric - Citrus Heights, CA

The promptness and communication with OJ made this an enjoyable and no-stress transaction. Working with OJ was enjoyable and his patience and exceptional knowledge made for a trustworthy experience. We absolutely will recommend OJ to our friends and family. - Edwin - Sacramento, CA

We have used OJ many times for mortgage refinance and purchases. He is always patient and responsive. - Danielle - Davis, CA

It was a smooth and pleasant process. - Elizabeth - Fair Oaks, CA

Not only is OJ very friendly, but he is very effective in his communication. There was never a point during the refinance process that I didn't know what was going on. This was the easiest refi I have ever had. - Jeremy - Fair Oaks, CA

Very quick process with no issues at all. Timely and complete communication. OJ and Kathy were great! - Lara - Carmichael, CA

He is very knowledgeable, responsive and thorough. I would definitely recommend him and his team. - Nathaniel - Sacramento, CA

OJ was fantastic! He is the reason I'm doing business with Caliber Home Loans. He listened to all of my questions and gave great advice and options. The process was smooth and we are very happy with our new mortgage. Great Job OJ and Thank you! - Nicholas - Carmichael, CA