Valley West Mortgage

Reviews

• CF

  cameron flec

  Jun 19, 2026
  1.0
  Poor Communication, Questionable Practices, and Constant Last-Minute Chaos- Leading to a Delayed Closing Day My wife and I worked with Valley West Mortgage during our home purchase and interacted with the CEO, our loan officer, and several other team members. Unfortunately, we experienced significant issues throughout the entire process. The problems were not isolated to one individual, they appeared to reflect the company's overall culture and management. A consistent pattern throughout our experience was procrastination. Critical tasks were repeatedly delayed until the last possible moment, creating unnecessary stress and putting our closing at risk and eventually leading to closing at a later day than planned. Time pressure is often used to push people into making decisions they otherwise would not make, and that is exactly how this process felt. Issue #1: Incomplete and Misleading Presentation of Options Approximately one week before closing, our realtors, title company, and other parties were waiting on closing documents from Valley West. We repeatedly followed up and were told they were still being worked on. As closing approached, the documents still had not been completed. It is important to note that earlier in the process, we had accepted a higher interest rate in exchange for lender credits toward our closing costs. Two days before closing, my wife received a phone call from Valley West informing her that there were excess funds available. She was presented with only three options: Lose the remaining funds, Use the funds to pay the next 10 years of HOA fees in advance. Or pay points down on the interest rate After contacting our realtor, we learned that there was a way to apply those fees to our amount due on the house. Since we had to fight for this, it resulted in us me not getting our keys to the house on the day we had planned and arranged to move. Issue #2: Documents Containing a $10,000 Discrepancy The next day, after waiting most of the day for revised documents, we finally received them. To our surprise, the new documents showed approximately $10,000 more in closing costs than the preliminary figures we had been provided the night before. I immediately contacted the CEO to ask for clarification. His response was to “just sign it it will be fine” in an annoyed tone. I was not comfortable signing documents that showed us owing approximately $10,000 more than expected, especially when no clear explanation had been provided for the discrepancy. When I declined to sign and requested corrected documents, I was told that doing so would cause another delay. The implication was clear: sign now and deal with the problem later. Using the pressure of a delayed closing to encourage borrowers to sign documents containing significant errors is unacceptable. Buyers should never feel pressured to sign inaccurate loan documents with promises that issues will be fixed afterward. Overall Experience Throughout the entire process, Valley West consistently appeared unprepared, poorly informed about the status of our loan, and unable to complete critical tasks in a timely manner. Important information was communicated late, options were not fully disclosed, and errors were discovered only after significant delays. Our experience was marked by poor communication, last-minute decision-making, and pressure tactics that created unnecessary stress during what should have been a straightforward home purchase. Based on our experience, I would not recommend Valley West Mortgage.
• JT

  Jake Tab

  Jun 3, 2026
  5.0
  My whole experience with the Valley West team was great. Kevin in particular was incredible helpful, responded quickly, and helped me figure out options to make my purchase work how I wanted it. Not sure I would have actually bought if I wasn’t able to get all that step-by-step help. Would definitely recommend contacting Kevin Adikes & the Valley West team if you’re interested in buying a home.
• JH

  Julio Hidalgo

  May 28, 2026
  5.0
  Kevin Adikes was our mortgage loan originator and he did a fantastic job in handling our case. Whenever I had questions during the loan process, he was quick to reply back my emails and text messages. He was very professional and helpful. I would highly recommend him to anyone who's needing to refinance their homes. 5 star service!
• GT

  GETA THOMAS

  May 28, 2026
  5.0
  I love Valley West mortgage our agent was Kevin Adikes. We are second time customers and each time Kevin has made it painless. highly recommend this company and agent
• JA

  Jesse Anderson

  May 27, 2026
  5.0
  Vatche and Celeste were amazing. They were always available, and answered all my questions. They had the best rate, too. Usually you don't get the best rate and best service but I feel that is what I got. What else could a first time home buyer could want?

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