"Edgar's patience, flexibility, creativeness and ability to answer all of my questions has made the financing and re-financing of my houses easy and fun!  Doesn't hurt that he also helped me lock in at 5.5%!!! Edgar es un buen amigo."

     - Josh Nelson, Moneta VA

"I have dealt with Angie both as a borrower and also as a settlement agent.  Her years of experience in the real estate lending and investing fields gives her wonderful insight into the needs of real estate investors.  She has handled over a dozen loans for me as an investor.  From a settlement standpoint, I love working with Angie and Kelly because they are always on top of their files.  I get quick answers and quick results and Angie's customers always rave about her at closing!"

    - Tammy S. Blankenship, Managing Agent/ Underwriter for Preferred Settlement & Title of Salem, LLC 

"We started the process of getting our home ready to sell and start looking for potential homes.  This being the first time we have ever sold and then purchased a house we were dreading the process.  We spoke to Edgar Ornelas at Valley Tree Mortgage late one afternoon, giving him our information and advising him of what we were looking for.  Edgar took the worry away from us and put us at ease.  He was very positive, and he was always available to answer any and all of our questions.  He worked very hard to get us the best possible rate and always thoroughly explained our options.  Now that this process has come to an end, we sold our house, moved into the house of our dreams and have a monthly mortgage payment we are comfortable with.  Not only have we met the Lender that we will always work with but we have also made a great friend.  Thank you for everything Edgar!"

     - Mark & Melissa Haynes, Salem VA