John Arnaz

Loan Officer Mortgage NMLS #350241

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As a top producing mortgage loan originator throughout Northern California, John began his mortgage career more than 16 years ago. John brings solid business acumen including experience in wholesale, private banking and residential home loan lending.

Known to many of his peers as the "go to guy" for structuring loans, John takes great pride in successfully restructuring loans, especially those loans that are tough to close and referred to him by other lenders.

His extensive knowledge of loan products and his willingness to solve the toughest loan problems provide a challenge for which he is always willing to tackle. He consistently goes to bat for each client's loan.

John was raised to help others. As a retired firefighter, he understands the importance of serving those who have served - veterans, first responders, fire fighters, police officers, etc. Specializing in VA loan products, nothing is more gratifying to John than helping a veteran achieve the dream of homeownership!

Outside of the office, John is a devoted father of two. You can find him riding the Folsom bike trails and spending time with his family and friends.
Jan 19, 2019
John is amazing. Professional, kind, and very honest... He answered all my questions, and I asked a lot of them. 😇

When I first contacted John I was doubtful that our dream of homeownership was even possible, we had been building credit for over a year and I thought for sure we were another year or more away from even completing our dream. I was pleasantly surprised that I was wrong. 😍

Thankful that in just a couple short months, and fixing a few items on our credit.... WE OWN OUR FIRST HOME!!! Definitely couldn’t have done it with out his hard work.
Jul 18, 2018
Yes we will definitely recommend to anyone buying a house you ! Thank you again for everything! We really appreciate all the weekend and night time return calls for approval letters and we absolutely love the house we ended up with! We couldn't have done this without all of your help. Thank you again!!!!
Jun 11, 2018
John is very professional and efficient. Made the whole process easy and made sure I knew what was going on and that I was informed along the process.
Jun 11, 2018
John was great. I had a little bit if a challenging situation and he handled it quickly and perfect. I would use him again in a heart beat. Very professional.
Apr 16, 2018
He was awesome! I got two loans with John and they worked out perfect. One was for a refinance, another for purchasing our second home. Helped me understand the loan, and what I needed to get done in order to get approved.
Apr 16, 2018
John provides excellent customer service and goes the extra mile. From explaining the confusing mortgage business to emailing you back to answer all your questions at odd hours. He's always there for his customers.
Apr 16, 2018
John is a true professional and an expert at his craft. He secured a rate for us on a rental property that I have not seen offered since. What truly impressed us about John and his team is their product knowledge and ability to meet deadlines.
Apr 16, 2018
My husband and I were lucky enough to find John through a recommendation of a friend and we used his services for our first home purchase in 2014. John made the whole loan process so easy and smooth. When we decided to sell our home and purchase a new home in 2015, we of course contacted John and although it was a lot more stressful selling and buying at the same time, John helped make the process so much easier for us. He was always available at the drop of a hat. John was always just a quick text, email or phone call away and was always so accommodating. Not only that, but he was extremely fast at getting things done for us which is so important. John also worked really great with our realtor and communicated really well with all parties involved. If you are a first-time home buyer I cannot stress enough how important it is to have a lender who is there for you and has your back and John is that guy!
Apr 16, 2018
Johns entire team are AWESOME...I went into my 1st time buying a home knowing nothing & they walked me thru every step of the's scary not knowing but to put all your trust into a stranger is hard to do..I don't regret a thing..THANK U all a million times...p.s...I'm ready to move to a bigger home now:)