Here are some other things that you should know;

1. These lenders do not pay us for having their names advertised here. That is not to say that we do not ever receive anything from them. We have known Ken and Manjit for several years and have developed a relationship of trust and respect. Occasionally we buy each other lunch or exchange other small gifts. We have helped to sponsor the Yuba City Racquet Club's Challenger Tennis Tournament the past several years and offer these people (along with many of our past clients and other people we do business with) the use of our passes. Veronica is a fairly recent addition to our site but comes very highly recommended by both escrow officers and real estate agents.

2. We do not require that these lenders refer business to us.

3. These lenders know that we expect them to deal honestly and fairly with their clients. If we ever hear that they have gouged or otherwise taken advantage of their clients, then they will be removed from our web site.

Now, a little history;

We work with a large number of people in connection with our real estate business. For years, we have maintained a page on our web site where we list several of these people. They have helped to make our lives a little easier and think they are people worth doing business with so we are happy to recommend them to you. As previously mentioned, none of these people pay to have their names advertised on our sites.

We attended a meeting of the California Association of Realtors in September of 2005. In one of the meetings, a report by the Professional Standards Committee chairman of one of the Southern California regions indicated that there were reports that loan officers in their region were taking advantage of unsophisticated clients. He further mentioned that this problem seemed to be especially prevalent among non English speaking clients who were using loan officers fluent in their native language.

Shortly after returning from that meeting, I heard a local lender express the same concern at a meeting of real estate agents. Since then, several local title company escrow officers and managers have echoed the same comments as as these two previous people.

We have recommended Ken Noall to clients for several years. We have always felt that he deals honestly and fairly with all of his clients. Unfortunately, Ken is not fluent in Spanish or Punjabi. Therefore, we have endeavored to find trustworthy loan officers that are fluent in Spanish and Punjabi. It was in that quest that I had the pleasure to get to know and do business with Manjit Dhillon who is fluent in both English and Punjabi. As mentioned above, Veronica is a new addition to our site but comes highly recommended.

One final thought;

We are very fortunate in the Yuba-Sutter area to have three very good title companies. One of the characteristics of title companies is they do business with all of the real estate agents and lenders in town and they know who the good ones are. If you feel a need to look beyond the loan officers we have recommended, you may want to contact a local title company for the names of some good lenders. Be advised though, that because of the Real Estate Settlement Procedures Act (RESPA), when title companies give out names, they are not making recommendations. However, I think you can rest assured that, when you talk to a title company, they will not give out the names of lenders they believe to be unscrupulous. Here are the local title companies you may want to contact;