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Recent Reviews

Fresno, CA
"Troy was GREAT."
– Edward N.

5.0

Review Verified
Fresno, CA
"Troy keeps us informed and updates throughout the entire process. Offers excellent advice when I comes to loan options. I highly recommend his services:-)"
– Phyllis S.

5.0

Review Verified
Fresno, CA
"Troy put us at ease with the whole process. He needs to ROOT, for the Dodgers, though....."
– Shirley H.

5.0

Review Verified
Fresno, CA
"Troy has the ability to work with all types of people. He is calm, reassuring and patient. He is very knowledgeable and knows what he is doing. I would recommend his services to anyone."
– Karen L M.

5.0

Review Verified
Clovis, CA
"Mr. Root did he excellent job he helped us with mini situation‘s in helping us get The long and was very prompt and respectful and did a very professional job me and my wife are very happy with him and definitely we would refer him to our friends and family thank you very much Troy We are happy now in our new home God bless"
– Jennifer H.

5.0

Review Verified
Madera, CA
"Troy always went above and beyond to make sure we were taken care of. He has become family to us. I will always refer him as the one to go to in regards to getting a home loan."
– Steven John W.

5.0

Review Verified
Fresno, CA
"Came through when we needed him."
– Terry D M.

5.0

Review Verified
Bass Lake, CA
"Constant communication and guidance through the process."
– Gary M.

5.0

Review Verified
Hanford, CA
"The smooth easy transition to new financing on home Troy kept us informed daily on the process to our refinance"
– Desmond R. V.

5.0

Review Verified
Fresno, CA
"He communicated with us often and answered our calls. He never made us wait longer than a day for a response. We appreciated that part."
– Christopher D.

5.0

Review Verified
Fresno, CA
"Troy was helpful and was able to explain everything to me in terms that were easy to understand"
– Christopher H.

5.0

Review Verified
Fowler, CA
"Troy was excellent to work with and made it easy to refinance our home. He knew how to efficiently and quickly move the paperwork through and did a lot of leg work to make it trouble-free as possible. An ethical financial individual who works with you to achieve the best possible outcome and makes the whole financing process simple."
– Ian M.

5.0

Review Verified
Fresno, CA
"I always had a great experience"
– Efrain L.

5.0

Review Verified
Clovis, CA
"Troy and his support staff did a great job on our refi, and made what some might make overly complicated...a very simple process."
– Scott E.

5.0

Review Verified
Aptos, CA
"Troy made the process very easy, kept me informed & up to date at all times and was incredibly knowledgeable. He was a true professional."
– Lawrence L.

5.0

Review Verified
Santa Cruz, CA
"Troy is very involved in the process and knows what you need to get through the process. Always pleasant to work with!"
– James K.

5.0

Review Verified
Visalia, CA
"True professionalism and good knowledge of the construction loan process. Fun and easy environment at office. Just good people that want to see their clients succeed."
– Henry G.

5.0

Review Verified
Fresno, CA
"He went that extra mile to make sure everything worked out."
– Linda S.

4.7

Review Verified
Fresno, CA
"Troy made this experience great by being thoughtful to our needs, respectful to our views, and honorable gaining and keeping our trust. He is trustworthy and honest with every step in the process. He doesn’t sit in an office somewhere dodging bullets all day....he faces situations face to face. He is rare in today’s market."
– Louis D.

5.0

Review Verified
Fresno, CA
"Returning back to Troy this year for our cash out refi was the best decision! I worked with him 10 years ago when I purchased my first home. I remember it being such a stressful situation for me then but Troy was extremely helpful and communicated with me daily. This time around, it was a breeze! He has all the knowledge and tools to help with my mortgage decision making and the process was effortless. Highly recommend him for your mortgage needs!!"
– Anita M.

5.0

Review Verified
Madera, CA
"Fast and always willing to help out."
– Cody J.

4.8

Review Verified
Madera, CA
"Great doing business with you. Thanks"
– Gerald D.

4.8

Review Verified
Chowchilla, CA
"Troy is a professional with a wealth of knowledge and information that makes any financial transaction very easy and painless"
– John F.

5.0

Review Verified
Madera, CA
"Thank you Troy for your patience with us, your constant communication and perseverance with our refinance! The Bishels"
– Deirdre R.

5.0

Review Verified
Fowler, CA
"Troy was very informative and always ensured to keep up to date throughout the entire process. Troy had my best interest from the start and always provided pros/cons to any scenario that arose. Troy also was very flexible in working around my busy work schedule and made himself available to me after his general business hours! Deeply appreciate everything he has done during this refi process!"
– Marcos J.

5.0

Review Verified
Fresno, CA
"Troy keeps very good communication. He’s so helpful and knowledgable. He really makes you feel he’s putting you first and looking out for your best interest. He’s easy to talk to and I just trust him completely."
– Robert A.

5.0

Review Verified
Fresno, CA
"Troy was very hands on with us. Was always available to answer any questions we had day or night! Made the process as stress free as possible for both myself and my wife. We would highly recommend Troy to anyone looking to buy or refinance!"
– Shawn P.

5.0

Review Verified
Clovis, CA
"Always willing to go above & beyond!!"
– Paul B.

5.0

Review Verified
Fresno, CA
"Troy was excellent to work with. Very professional and prompt."
– Michael L.

5.0

Review Verified
Fresno, CA
"Troy took care of us like we were family! Easy to get ahold of and answered all our questions. I'd highly recommend him to friends and family!"
– Natalie C.

5.0

Review Verified
Fresno, CA
"I was referred by a friend and will keep using Troy's services."
– Israel S.

5.0

Review Verified
Fresno, CA
"My lone was very complex with a lot of different Factors he was able to explain an noticed all the different variables Wich made the process very easy"
– Matthew S.

5.0

Review Verified
Fresno, CA
"Troy was always available for question and always responded in more than reasonable time! He treats everyone like family 😊"
– Alissa S.

5.0

Review Verified
Clovis, CA
"Troy’s communication with me and helping me understand the process was very appreciated."
– Bryan W.

5.0

Review Verified
Clovis, CA
"Thanks Troy"
– Roger A.

5.0

Review Verified
Fresno, CA
"He’s a cool Dude!"
– Manion E.

5.0

Review Verified
"Tom is knowledgeable. He helped us get the very best loan. He knows what he is doing and helps you understand the process. He is honest. He has a wonderful personality and is fun to work with."
– Kmatthews9 .

5.0

"Tom is knowledgeable. He helped us get the very best loan. He knows what he is doing and helps you understand the process. He is honest. He has a wonderful personality and is fun to work with."
– Kmatthews9 .

5.0

Fresno, CA
"Honesty, integrity and helpful. Troy explains the process in a way that we could understand. Great personality."
– Larry M.

5.0

Review Verified
Fresno, CA
"Troy is very efficient. He's is always on top of things. He is willing to answer any questions. If he doesn't know he will figure it out the answer. I would recommend him to anyone looking for mortgage advice."
– James P.

5.0

Review Verified
Clovis, CA
"Troy told us from the beginning that he would make the process fast & simple. That he would do all the work for us and that's exactly what happened. We are extremely happy with his service and top notch professionalism."
– Steven V.

5.0

Review Verified
Coarsegold, CA
"Troy kept us informed through out the process. He was very good at explaining details and advising us of our best options."
– Arlin P.

4.8

Review Verified
Fresno, CA
"Quick, efficient, and always available"
– Ezekiel C.

5.0

Review Verified
Fresno, CA
"Troy is great guy and very easy to work with. He always accommodate my busy schedule."
– Ye M.

5.0

Review Verified
Clovis, CA
"Troy was knowledgeable and kept us informed every step of the way. We appreciated the great service."
– Jean A.

5.0

Review Verified
Fresno, CA
"The process was fast and very professional. I'll recommend Troy to anyone."
– David J.

4.8

Review Verified
Kerman, CA
"He the best in the valley 👌"
– Amirik S.

5.0

Review Verified
Fresno, CA
"Troy took care of everything. He kept me informed and made my purchase easy. He is a very friendly and professional individual. I would recommend him to everyone looking to buy a home. Good job Troy thanks for all of your help and advice."
– Brandon K.

5.0

Review Verified
Clovis, CA
"Extremely responsive and provided the information and needed explanations to assist in getting closing done correctly and timely."
– James H.

5.0

Review Verified
Fresno, CA
"Troy is always available to answer my questions."
– Felipe S.

5.0

Review Verified
Dinuba, CA
"Troy is very helpful with suggestions of what loan will would for your personal needs."
– Carol C.

5.0

Review Verified
Fresno, CA
"He told me all the information I needed to bring to our first meeting so there wasn’t a lot of time wasted by getting papers, etc. to him later."
– Lois W.

4.8

Review Verified
Fresno, CA
"We’ve worked with Troy before, he’s a professional and honest person to do business with."
– Edward N.

5.0

Review Verified
Fresno, CA
"Troy Root went the extra mile for me; he wanted to ensure a quick turnaround, and was extremely thoughtful in determining a way to make my transaction process more efficient."
– Janice T.

5.0

Review Verified
Fresno, CA
"Troy is extremely knowledgeable in his business and shares his knowledge freely. He is honest and not afraid to advise Customers of best solution for them, even if it means no business for him. I trust Troy and highly recommend him!"
– Phyllis S.

5.0

Review Verified
Clovis, CA
"Troy was on top of the whole process. He always knew what was going on and what to expect... His professionalism and congenial approach kept me smiling throughout! Thanks Troy!"
– Michael D.

5.0

Review Verified
Clovis, CA
"Troy was very communicative throughout the whole process. We always knew exactly where we stood and knew what the next steps are. He was always available to answer questions (sometimes well after normal business hours). He was super helpful and we are so glad to have him on our team!"
– Jack D.

5.0

Review Verified
Fresno, CA
"Very Friendly like you are part of the family, always on top of current mortgage rates, kept me well informed on documents needed and text me copies, service was excellent all the way around. Very good company to go with.!"
– Jacqueline A.

4.8

Review Verified
Fresno, CA
"Working with Troy was a pleasure!! He made sure to go through all of our options and to assist us with understanding what would work best for both short and long term goals. I would highly recommend using Troy and MVF for your lending needs. Mike"
– Michael P.

5.0

Review Verified
Clovis, CA
"Troy took great care of us"
– Justin L.

5.0

Review Verified
Fresno, CA
"From the beginning to the end, Troy put me at ease & made me feel like he was in charge & knew exactly what to do. Candid yet professional throughout my transaction, sprinkling his personal life into the mix made me feel like the purchase was ours & we were going through it together. Troy was very thorough & walked me through each step of the process. Most importantly, he communicated EVERYTHING & kept me in the loop! Thanks Troy!"
– Cletus W.

5.0

Review Verified
Fresno, CA
"."
– Patrick R.

5.0

Review Verified
Fresno, CA
"Troy has been amazing from the start! Very friendly always upfront and made time for us when we had questions, and we had questions. My husband likes to be on top of the budget and Troy was able to work with him in every way possible! He deserves a raise! A very valuable employee! I will definitely recommend him to anyone."
– Dillon S.

5.0

Review Verified
Fresno, CA
"Troy was a champ at helping us through the whole process, home purchases can be stressful times as it is, with Troy I always felt comfortable and the process was a breeze. I have already recommended MVF and Troy to family and friends!!"
– Ken M.

5.0

Review Verified
Dinuba, CA
"."
– Carol C.

5.0

Review Verified
Fresno, CA
"Troy’s a great! Very proficient , precise and always there to answer a text or call if we have questions regarding the loan & its process,,, He is very helpful and have a great team that facilitate us on our first home purchased and attaining our american drean come true... Thank you so much and looking forward to working with you again in the future for our next home buying process❤️"
– Josefina B.

5.0

Review Verified
Fresno, CA
"Troy was great to work with. He answered all my questions immediately and kept me informed during the whole process. He was quick with answering emails. I would recommend him to anyone purchasing a home or looking to refinance. Definitely an A+ experience!!!"
– Cuong L.

5.0

Review Verified
Coarsegold, CA
"Troy is very good at tracking details and following up when needed. I have great confidence in his service."
– Arlin P.

4.5

Review Verified
Fresno, CA
"Troy was on top of his game. I gave him a desired time to close and he exceeded it by one week. He was very responsive to my inquiries in a timely manner. I would use Troy again in a heartbeat without hesitation."
– Jason B.

5.0

Review Verified
"Troy was very knowledgeable and explained each Step as we went along. He was always very friendly and made the process go smoothly."
– Alissa S.

5.0

Review Verified
Fresno, CA
"I was informed about what was going on the prosse of the loan all the time an flexibilidad on the time"
– Beatriz L.

5.0

Review Verified
Fresno, CA
"Troy is on it! He can be reached at any time. I am glad I went with him."
– Felipe S.

5.0

Review Verified
Fresno, CA
"Troy just made me feel like we were best friends. Was able to answer all of are questions to are satisfaction."
– Edward N.

5.0

Review Verified
Fresno, CA
"Troy is the best and most helpful loan officer I’ve ever experienced in all my 49 years of buying and selling home. Do yourself a favor and seek him out!!!"
– Phyllis S.

5.0

Review Verified
Kingsburg, CA
"I was doing a 1 time close construction loan, which i had no idea was so hard to do. This particular loan took a lot of communication and back and forth. thanks to all of Troy's hard work, we finally made it. I don't think this loan would of been put through using a different loan officer. Though the loan was a very painful process for me, when I only had to deal with Troy; I could only imagine how tough it was for Troy, when he had 5 different parties to communicate with."
– Matthew C.

5.0

Review Verified
Visalia, CA
"Being very punctual and getting the job done with in the time limit was great . I can honestly say that I would recommend my friends."
– Valentin L.

4.7

Review Verified
"As a first time buyer, Troy made everything easy to understand and helped me through step by step. Great communication too, he was always there if I had a question."
– David P.

5.0

Review Verified
"Troy made the home buying process as easy and painless as possible, and guided us through every step. We moved in one month from making our offer and Troy made it all possible."
– Brandan12 .

5.0

"Troy made the home buying process as easy and painless as possible, and guided us through every step. We moved in one month from making our offer and Troy made it all possible."
– Brandan12 .

5.0

"Troy made our home purchase easy and painless."
– Brandan S.

5.0

Review Verified
"Troy was great at getting back to us in a timely manner. He was great at answering our questions & if he didn't know rt then he'd research it & get back to us."
– Larry H.

5.0

Review Verified
"Troy helped us with explaining options we did not know we had. We closed escrow faster than anticipated and we will use Troy for future investments."
– Rose G.

5.0

Review Verified
"Troy did a great job and we were quite happy with how everything turned out."
– Phillip H.

4.8

Review Verified
Fresno, CA
"Being a first time home buyer is very nerve wracking to begin with. Troy Root made the whole process very comforting and much easier to endure. He answered all my questions and with his obvious experience and professionalism made me feel at ease."
– Lorene P.

5.0

Fresno, CA
"Troy Root went above and beyond in helping with financing. I had a somewhat complicated issue involving a 1031 exchange and was looking for some options with my situation. Troy was able to give me several options from private money to conventional loan. We were able to work through my issues and secure the home we were purchasing. Thanks Troy"
– Tom N.

5.0

Fresno, CA
"Buying and selling a home at the same time can become a little complicated, so my mortgage broker connected me to someone he says was the best fit for us. I received a call from Troy Root from Mid Valley Mtg and my broker was right, the connection was there. Troy became our mortgage advisor on our recent home purchase and sale of our other home. Troy was so dedicated to us and to our mortgage needs. He ensured us exceptional service before, during, and even after the mortgage process. Because of our work schedule Troy came to us instead of us going to him. I feel that he went above and beyond to help us make our home purchase and closing process run smoothly and quickly to close concurrently with our home sale in Clovis. Troy always kept us in the loop from day one and throughout the process. We had a great experience because we had a great advisor. Thank you Troy. We are enjoying our new home!"
– Mary A.

5.0

Fresno, CA
"Troy Root is Top-notch!!! He went out of his way for me to make sure my home buying process was as stress-free as possible. Highly Recommend!"
– Netanii J.

5.0

Fresno, CA
"My experience with Troy and Angela Was exceptional ,I will continue to recommend them to Anyone in need Of their services"
– Carol C.

5.0

Fresno, CA
"Troy is always fast on my needs to any problem he is great ... i will never go anywhere else hes honest"
– Maria M.

5.0

Fresno, CA
"They were extremely helpful, quick, and guided us thru the process. Thank you Mid Valley!"
– Jimmy C.

5.0

Fresno, CA
"I worked with Troy from the end of July til early September, 2017. He helped me buy my first house in over 20 years from scratch. From "Hi Troy, this is Michael Davis", to close was just over 1 month. Troy was always on top of everything, and always more than willing to walk me through each step of the complicated loan process, explaining everything in a clear, easy to understand way. He stayed in daily touch with both the seller's and my real estate agents and had a good rapport with both so the whole thing went very smoothly. Troy gave great advice and his experience was invaluable! Thanks for making this major life change as stress free as possible Troy, you're the BEST!!!"
– Michael D.

5.0

Fresno, CA
"Troy Root and his team at Mid Valley are professional and on top of it. Simple stress free process, very informative and always reachable, which is good because I had a million questions. I highly recommend Troy Root to get you into your new home."
– Jay P.

5.0

Fresno, CA
"It was simple. Troy and his team were on top of it as they were very informative and helpful. Troy is quick to respond any questions during escrow and professional. I already referred friends, coworkers and family to Troy."
– Javier P.

5.0

Fresno, CA
"I worked with Troy Root and he was AWESOME!!! He worked overtime helping me get from pre-approval through close in less than 4 weeks. I highly recommend him for his knowledge, his professionalism, and his temperament!!!"
– Michael D.

5.0

"Very knowledgeable on the loan/refinance process and access to multiple lenders to shop for the best rate. Has software on his iPad so that he can input data and adjust proposals on the spot if necessary."
– Jimmyduvet .

5.0

"Very knowledgeable on the loan/refinance process and access to multiple lenders to shop for the best rate. Has software on his iPad so that he can input data and adjust proposals on the spot if necessary."
– Jimmyduvet .

5.0

"Troy Root is the absolute BEST at what he does. He goes beyond the standards for helping his customers. He helped us sell our property in Oakhurst CA and the purchase of our new home in a new city. I can't imagine ever working with anyone except Troy. He truly loves his job and his clients. I recommend him to everyone I know."
– Charlotte913 .

5.0

"Troy kept us up to date with each stage of the loan process. He was a wonderful consultant and extremely knowledgeable in the many different facets and option of which loans where the most favorable for us. We settled on a VA Loan, which closed in less time than was anticipated."
– Mikegore1965 .

5.0

"From the very beginning Troy Root was simply outstanding. This was my first experience with Troy and his firm. He was timely, anticipated what questions that I would ask and had the answers and more importantly explained them in layman's language so I did not feel intimidated. I would certainly use Troy and the firm again and have recommended both to other friends that are going through the real estate cycle at this time. Job well done!!"
– Chapchip2 .

5.0

"Troy Root is the absolute BEST at what he does. He goes beyond the standards for helping his customers. He helped us sell our property in Oakhurst CA and the purchase of our new home in a new city. I can't imagine ever working with anyone except Troy. He truly loves his job and his clients. I recommend him to everyone I know."
– Charlotte913 .

5.0

"From the very beginning Troy Root was simply outstanding. This was my first experience with Troy and his firm. He was timely, anticipated what questions that I would ask and had the answers and more importantly explained them in layman's language so I did not feel intimidated. I would certainly use Troy and the firm again and have recommended both to other friends that are going through the real estate cycle at this time. Job well done!!"
– Chapchip2 .

5.0

"Troy kept us up to date with each stage of the loan process. He was a wonderful consultant and extremely knowledgeable in the many different facets and option of which loans where the most favorable for us. We settled on a VA Loan, which closed in less time than was anticipated."
– Mikegore1965 .

5.0

National Rate Averages

Conf. 30Y Fixed

3.335%
0.028

FHA 30Y Fixed

3.462%
0.039

Jumbo 30Y Fixed

3.207%
0.017

Rate averages are calculated from actual locked rates. Learn more.

Market Updates Resources

4 Resources

Mid Valley Financial

Company NMLS# 219418

7644 N Palm Avenue
Fresno, CA 93711
  • Equal Housing Opportunity Logo

Mid Valley Financial, CA BRE#01206057, NMLS ID#219418. Mid Valley Financial is an Equal Housing Lender. Products and services only available in California. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. Other restrictions and limitations apply. The content here does not substitute for professional legal, securities, tax or accounting advice. This is not a commitment to lend. Terms, conditions, and programs are subject to change without notice.

This is not a commitment to lend. Program restrictions apply. Mid Valley Financial offers many loan products. Mid Valley Financial headquartered at 7644 N. Palm Avenue Fresno, CA 93711. (559)432-8221 Company NMLS# 219418 (www.nmlsconsumeraccess.org). Mid Valley Financial is licensed to conduct business in California via Department of Real Estate License#01206057.
This information is accurate as of April 1, 2021. © 2021 Mid Valley Financial All Rights Reserved.

© 2021 Lender Launchpad. This is not a Government website. Lender Launchpad and its products are not endorsed by the Department of Veterans Affairs or the US Department of Housing and Urban Development. The content on this site is for educational purposes only and is not an advertisement for a product or an offer to lend. If you have questions about the loan officers featured within our lender directory, please visit the Nationwide Mortgage Licensing System & Directory for more information and to check their licensing status at https://www.nmlsconsumeraccess.org