I have worked with other companies previously refinancing one of my homes and to be honest it was a headache, chasing them around to almost forcing them to help complete the process. Working with Angie Garibay from Valley Capital Lending & Realty has been a pleasure. Angie has everything under control, she is very reliable, values your time, her communication is exceptional. I recommend anyone who is thinking of refinancing to this company and specifically Angie Garibay she is also bilingual for those of us that might have a little trouble with the refinancing lingo.