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Would honestly give Crystal [Brown] 100 stars if possible.  She made the entire process very easy and comfortable from our first meeting to our closing.  She is very knowledgeable about the area as well, which helped us ultimately land on where we purchase our home.  One of the best intangibles Crystal also brings to the table is her resolve on not just walking away when the home buying process is over.  We have contacted her a few times since we purchased our home with questions such as "who is the best person for this" and she has always been willing to help IN ADDITION TO following up with us to see if her suggestion helped or if we needed any additional help.  If you are purchasing a home in the Ripon area you WILL want her to work with you on your new adventure.

Tom M


Nancy [Hopper] was very professional, thoughtful and just a very nice person.  She kept us in communication throughout the entire process.  Nice job and thank you.



Crystal [Brown] was our realtor for the sale of our house in Tracy, and the purchase of our house in Ripon.  She was extremely knowledgeable about the market, and highly respected.  She helped us to know what had to be done to our house to show the best, without putting unnecessary time and money into the house.   The pictures that she had done made our house look amazing and we had an offer within two days that was $6,000 over asking.  There were multiple delays to the sale of our house (neither ours nor Crystal's fault) and she stayed diligent in making sure thinks were moving.  I believe her great reputation in Ripon is the only reason that the sellers of our house waited so long for us.  She was always available and responsive - and really cares about her work and her clients.  We are so happy to be in our beautiful home! I would recommend Crystal to anyone.

Jaime M


Nancy [Hopper] was absolutely wonderful.   As first time buyers we anticipated a certain amount of stress and unknown; Nancy eliminated all of that.  She kept in contact throughout the entire process and was available when needed to answer questions.  I would recommend again and again.  Thank you Nancy!



This is my story:

I had a bankruptcy and lost a home three years ago.  I truly thought that

was it, I will never get to have the chance to be a homeowner again.  The

fault was not ours, we had been laid off and could not find new

employment for almost a year.  We went to see Ray [Davidson] and his team and somehow, someway they were able to make our dream of home

ownership come true again. 


Life now is wonderful.  Thanks Ray!


William H


I would highly recommend Pam, Crystal and the whole staff at Tri Valley Lending & Integrity First Realty.  My husband and I were very happy with out experience and would glady refer them to our family and friends.  They were knowledgeable, timely, thorough and fought for us when necessary.  Also, they were kind enough to accommodate us by opening the office on Saturday to work with our busy schedule.  This local business is top-notch and as professional as they come.



I enjoyed working with Nancy [Hopper] very much and would highly recommend to anyone who is looking to purchase or sell their home.  Nancy helped me sell my existing home and purchase my new one while working under a quick timeline.  This can be a stressful time for some, but Nancy made it almost effortless on my part.  Her response time is extremely quick, and she is very attentive to your needs, requests, and requirements.  Her professional guidance and support was very much appreciated.  I couldn't have chosen a better Realtor.  Thanks Nancy for everything!



Thank you, Pam! You guys have made this entire experience so much less intimidating!  I had been so nervous to even start the house buying process for years and you guys made it fun and low pressure!  I will absolutely recommend you to anyone who is looking for a home!!!

Manuel and Brittany


We went with Tri Valley Lending on Main St. [it is right across from my work].  They got it done!  They were amazing and fast through the whole process!!  So fast it took only 2 weeks!!  Thank you Pam and your whole team.  So friendly, too!!

Robert and Pam


Nancy [Hopper] was excellent.  Very helpful and offered things we did not ever expect from a sales agent.  She is a rare excellent Realtor.  We highly recommend.



I have used Tri Valley Lending three times, which shows how much

I respect and trust them.  They are professional, extremely

knowledgeable and always very responsive.  It is clear in dealing with

them that they have many years of experience.  Each time I have used

them, they have made the process seemingly simple and efficient.  I

would highly recommend them.  Thanks again Tri Valley!

Claire V


Here Is What Happened:


I moved out of State and my home was rented. I was not getting the rent and the home was not well cared for.   My agent not only sold my home for top dollar but took care of all the repairs and upkeep to get me the best price possible.  Thank you so much Ray.



We have used Pam multiple times over the past several years,  We have found her services to be accurate and very reliable.  She is extremely patient and understanding; we would highly recommend Pam!


Shannon and Ellen


I was absolutely sure that I was never going to be a homeowner.  On the off chance that I might be wrong went to see Pam who was highly recommended to me as the girl that  "can do."  I was sooo wrong, not only was I able to purchase, I got a wonderful home with zero down and the seller paid all my closing costs.  Better yet I got a 3.25% interest rate. 


Thank you Pam.  You are amazing!




I have really enjoyed doing business with Ray and his staff.  I am now in the process of purchasing my second home with Ray and they have been so helpful.  Everyone is so friendly and very knowledgeable.  Thank you Ray for everything.

Anna S.


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