About us
We're not just another mortgage company. We're your neighbors in Fair Oaks, California a family-owned business built on the belief that home financing should be personal, transparent, and centered around you. Since 2021, we've helped thousands of families achieve homeownership with honesty, expertise, and a genuine commitment to their success.
You can count on us. It's fast, simple, and easy.
Our mission guides everything we do—from how we answer the phone to how we structure our loan programs.
To make homeownership accessible, affordable, and stress-free for everyone—regardless of how complex their financial situation may be.
We believe that owning a home is one of life‘s most important milestones, and we‘re honored to help make it happen. Whether you‘re a first-time buyer, a seasoned investor, or someone who‘s been turned down by other lenders, we‘re here to find a path forward.
We measure success by the families we help, not just the loans we close. If a loan doesn't benefit you, we'll tell you—even if it costs us a deal.
Get StartedToday, we‘re proud to have helped over 10,000 families buy homes, refinance mortgages, and access their equity. We‘ve earned an A+ BBB rating and Five-star reviews. But our greatest achievement? The trust our clients place in us—and the referrals they send to their friends and family.
Tri Valley isn‘t just where we work. It‘s where we live, raise our families, and invest in our community. When you work with us, you‘re not getting a faceless corporation. You‘re getting a team that genuinely cares about your success.
Listen first, talk second
Explain everything in plain EnglishOffer creative solutions for complex situationsClose loans fast (often in 14 days)Build relationships that last beyond closingOur licensed loan officers are here to guide you through every step of your mortgage journey.
At Tri Valley, you‘re not just a file number. You‘re a person with unique goals, challenges, and dreams. Our team of licensed professionals takes the time to understand your situation and find the right solution—whether it‘s a conventional loan, a specialized program, or a creative financing strategy.
Every loan officer is fully licensed and experiencedWe specialize in complex scenarios other lenders avoidWe're available evenings and weekendsWe speak multiple languages (English, Spanish, Telugu, Hindi, Tamil)We close loans in an average of 14 daysWe‘re not the biggest mortgage company. But we might be the best fit for you.
While big banks turn away non-traditional borrowers, we specialize in finding solutions:
We offer bank statement loans and Non-QM programs—no tax returns needed.
Our DSCR loans qualify you based on the property's cash flow, not your personal income.
We provide Foreign National loans (up to 75% LTV) for eligible borrowers.
We work with all credit profiles and have programs designed for rebuilding credit.
Commission, bonuses, 1099, gig economy, retirement—we know how to document it.
If another lender said "no," call us. We speak a different language.
We take what our customers think of us very seriously. We are partners in your business and your success is ours.
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We don‘t just work here—we live here. And we believe in giving back to the community that supports us. At Tri Valley Home Loans, we‘re proud to call Fair Oaks, California, home. This isn‘t just where our office is located—it‘s where we raise our families, shop at local businesses, and volunteer our time. We believe that success means nothing if it‘s not shared. That‘s why we‘re committed to supporting our local community through partnerships, sponsorships, and charitable giving.
Whether you're buying your first home, refinancing, or tapping into your equity, we're here to help.
