O.J. Vallejo goes above and beyond in his efforts to ensure his customers are informed and happy with the final results of his services. My family has relied on his guidance for many years and we will continue to turn to him for all of our home loan needs. We often refer O.J. Vallejo to our friends because he is the best of the best! - Rebecca - Sacramento, CA

OJ made the process of refinancing easy, peasy. I would recommend him in a heartbeat. - Jesse - SACRAMENTO, CA

OJ has helped my husband and I with all of our home loans and recent refinance. Also our son and daughter have successfully purchased homes with OJ who is now considered our family loan officer agent. We have complete trust and confidence in OJ. I value his expertise and input, the given loan options and suggestions and the food for thought. Thank you OJ and your Sacramento Office team; You all are truly the best. Michelle from Elk Grove, CA - Michelle - ELK GROVE, CA

OJ was such great at communicating throughout the entire process for the very beginning to the end. His professionalism and knowledge of his work was exemplary. - Charles - Folsom, CA

Mr. Vallejo has always provided excellent customer service, has always provided trust worthy advise, and kept us in the loop each step of the process. For all these reasons and more, we have trusted him with all of our refinancing transactions over the years! He is definitely a valuable asset to your mortgage company and team of leaders! - Michael - ELK GROVE, CA

Friendly, knowledgeable, quick turnaround, made process easy for us. - Melissa - Folsom, CA

OJ is the absolute best. I’ve worked with him for all my mortgage needs for years and wouldn’t go anywhere else. He is responsive, knowledgeable and has a great sense of humor. I always feel that he puts my best interest as his priority. - Meghan - SACRAMENTO, CA

The process ran smooth and seamless! All the information I needed was presented to me in a clear and concise manner. Any questions I had were promptly answered. - Jeffrey - SACRAMENTO, CA

OJ is knowledgeable and helpful. My loan process was very quick and easy. OJ communicated with me at all the important steps and was available for all my questions. I have already recommended him to my family members. - Silviana - SACRAMENTO, CA

OJJ was great to work with! He kept us informed and was very pleasant. - Gary - AUBURN, CA

OJ is the best! He always keeps you “up to date “. Very easy to work with. I recommend him to anyone who is in need of a loan officer. - Camilla - SACRAMENTO, CA

Impeccable service- he does what he says he will do in a friendly and professional service. Actually completed the refi with amazing speed. Extraordinary service- I recommend him HIGHLY! - Donald - Gold River, CA

The experiences was great because of OJ Vallejo! I never worried about any of the details. - Richard - SACRAMENTO, CA

OJ is the best. We’ve been using his services for 17 years. Besides being a masterful professional, he’s a decent honest upbeat fun guy to work with. Kinda like a brother that always has my back. - Dennis - SACRAMENTO, CA

OJ is a great communicator. He is very knowledgeable and shepherds things along very well. - Donald - ELK GROVE, CA

OJ was very helpful and knowledgeable. He is the reason we chose to refinance through Caliber. We know we could have possibly gotten a lower interest rate, but working with OJ was of great value to us. - Laurie - ELK GROVE, CA

OJ was very helpful in clarifying any questions I had about the loan process. He got back to me in a timely manner with any information I needed. - Jeannine - Woodland, CA

OJ was a pleasure to work with. He responded to all of our questions very promptly and made the process of remortgaging very easy and stress free. - Becky - SACRAMENTO, CA

We have worked with OJ in buying our house and again to refinance our house. OJ is great at what he does so its wonderful to have that confidence and he is just a pleasure to work with. - Stephanie - ORANGEVALE, CA

Everything went according to plan - Charles - SACRAMENTO, CA

Ever since we purchased our first home in 2008, we have been using O.J. Vallejo for our purchases and refi's. It's reassuring to know that he always has our best interest at heart and we trust him completely. He's definitely our go-to guy for budgeting questions as well as home loans. Jennifer Baker - Jennifer - SACRAMENTO, CA

OJ did a great job with our refinance. He worked hard to get us a great rate and kept us updated regularly throughout the process. He’s easy to reach and easy to communicate with. I’ve always had a good experience working with Caliber, and this transaction was just as smooth. - Akshar - SACRAMENTO, CA

Being kept informed during my experience! - Larry - SACRAMENTO, CA

The thoughtful discussion of options to finance our loan - Donald - CARNELIAN BAY, CA

i was pleased working with O.J. Vallejo. O.J. was prompt and courteous in responding to my questions. the whole process was very smooth. - Yuri - Folsom, CA

up front and honest just like a good friend... - Michael - OLIVEHURST, CA

OJ is very easy to work with. - Patricia - OLIVEHURST, CA

. - Delane - SACRAMENTO, CA

Excellent customer service and communication!! - Lisa - OROVILLE, CA

Expert, truth worthy, and friendly advise. Excellent communication throughout the whole process. - Jesus - SACRAMENTO, CA

Willingness and readiness to answer all my questions. - Rebecca - Sacramento, CA

It has been great working with OJ. I’m very happy I switched lenders for my refinance. - Christina - SACRAMENTO, CA

Just want to compliment caliber home loans for making the experience easy and very helpful with any questions that arose during the process. This was a repeat time with mr. vallejo(more specifically 5 times) and as always a superb job. - John - LINCOLN, CA

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