Valerie Avril Mortgage Banker

Been a first time home buyer couldn’t ask for anyone better to support and guide me through the process than Valerie and her team. She was the key to make my purchase a success.
To begin with during the beginning of my home purchase process, she gave me different financial options/​scenarios for my loan financing. We discussed every single option and decided on a financial program best for me. Once, I have found a property and went into contract. Valerie was amazing in helping the escrow process. Due to my limited options, we had to be creatively aggressive with my offer. Valerie managed to close escrow within 21 days of getting into contract. She had a great job getting our appraisal in two days.
From my beginning of the confusing world of real estate ownership, Valeria took me through every step of the process and explain the many, many questions I had.
In addition to Valerie been industry knowledgeable, professional, helpful and hones, she has an amazing team supporting her. Kelli and Jennifer were more than helpful during my escrow process. They were on top of things. We were in constant communication and they took the time to answer every single question or concern.
I would highly recommend Valerie. I am extremely grateful she was able to make my home purchase a smooth process. I have heard horror stories from others regarding their own home purchase nightmare. I am glad Valerie and team were on my side.

We recently purchased our first home and Valerie was recommended to us by our realtor. Valerie really helped us through the process step by step. She took our phone calls any time of day and really was a great support throughout. She was on top of the market and let us know immediately when it was time to lock things in. Closing was happening very quickly and she worked diligently to make sure everything was in line. As a matter of fact, when we were closing she found mistakes that got quite a bit of money off closing. I highly recommend Valerie to anyone looking for a broker!

I suppose I should round out all my restaurant reviews with one that’s definitely *not* a restaurant! My husband and I have just finished refinancing our house for the second time. That means we have used Valerie’s service as a mortgage broker three times total, including our original purchase. The short story is that she is wonderful, professional, clear, hard-​working, and honest. The longer story is below.
When people ask, «Can you recommend a insert_​specialist_​type_​here?» I rarely ever have a solid answer. Can you recommend a plumber? Uhhhh, I’ve used some and they were fine, but can I *recommend* that plumber? Can you recommend an accountant? (Again, I have the «uhhhh» response.) But there are two people I can recommend without hesitation and with complete confidence: Valerie as a mortgage broker (and Amy my hairstylist).
When we first bought our house we weren’t familiar with Valerie. Our real estate agent recommended her and our agent seemed trustworthy, so I went with it. I had never bought any kind of property before so it was all very daunting and confusing. My husband and I met with Valerie in person, and the poor thing, I *bombarded* her with questions. The whole time she was very patient and extremely helpful. She was able to answer every single question, and in such a way that was clear and transparent to me. I could tell she was honest and forthright because she was also clear (in a professional, non-​judgmental way) when she didn’t think a choice was prudent. We still made our own decisions, of course, but her guidance was impeccable.
So the purchase went smoothly and we were happy with the whole experience. Fast forward 2 – 3 years and the rates went down. Valerie would contact me when she thought that we might be able to benefit from a refinance. She knew our address, of course, and knew the lending environment, so she could discern when was a good time and when wasn’t. The best part about this? She *never* contacted us in a pushy way that just promoted her of her practice. Her emails have always been personal and relevant, and there weren’t even that many. I never felt spammed because, well, I wasn’t.
So, when she contacted us a few years later, she sure was right, and it was a good time for us to do a refi. Luckily, we already had an established business relationship so we were able to conduct the whole thing over email. We got all of our paperwork together and securely sent it to her (NOT over email because we’re not stupid). We could have met in person, no problem, but in our particular case/​relationship, it’s just not necessary. That’s handy because it means we don’t have to take time off from work.
We refinanced again just now and this time, we finally got rid of our PMI, hurray! Since we plan to be in our little townhouse for awhile, we probably won’t need Valerie’s services for quite some time. (Which, honestly, makes me just a little bit sad.) I imagine *some* day in the future we’ll buy a different place, and as long as Valerie is still in the business, we will contact her. We have followed her no matter which mortgage brokerage company she works with. She is just that good and dependable.
Now, my hairstylist is wonderful. I think I’ve already reviewed her, but I have to check. Oh! And I also recommend Rancho Auto in Los Altos for a mechanic, but I know I’ve recommended them already. So I have a mortgage broker, a hairstylist, and a mechanic. Three specialists ain’t bad.