Judi Gavia
Sr. Mortgage Specialist
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About Judi

Judi Gavia is a 25 year veteran in Mortgage Lending, having assisted hundreds of borrowers obtain their dream of home ownership. She has built a solid reputation in the industry as tirelessly representing the needs of her clients by always going the extra mile to reflect the importance of every loan transaction.

Judi recognizes that you have many options in mortgage lending and works hard to earn the trust of the clients she serves. Specializing in Conventional, FHA, VA, jumbo, owner occupied and investment financing, Judi's goal is to find the right loan for your needs. It is paramount in all that she does and following through on her commitments is what makes her stand out from the mortgage lending crowd. Whether it's a purchase, a refinance or you have questions about the process, get in touch with Judi.

Contact Judi today for all of your real estate financing needs in California, Nevada, Oregon and Arizona. Promises Made, Promises Kept!

BRE# 00799790

806 Bidwell Street
806 Bidwell Street,
Folsom, CA 95630


Judi was so helpful, kind, and informative during this process. She explained everything very well, and helped to make buying my first home much less stressful.

Elizabeth D.

First I want to say my loan/situation was not easy. I was referred to Judi Gavia by my realtor Linda.  With each difficult situation, Judi really rolled her sleeves up and found a solution to what seemed liked endless speed bumps. She communicates very well, is super knowledgeable and easy to work with! She is there from the beginning to the very end, even at signing the final documents! Judi Gavia truly is exceptional and takes the stress out of buying a home. I would recommend Judi and her team to anyone!

Kyle H.

After having issues with my original lender, I was referred to Judi for my loan 15 days into the contract.   Judi was professional and encouraging and made sure that the process from then on out went smoothly.  Even coming to her late, we still closed on time!   Thanks for everything you did to make this process practically painless and for saving me and the deal. 

Laurie G.

Thank you so much for all you did, we are very excited to get the keys to our first home! We really appreciate all your hard work on our loan and helping in the process to make this happen. This was a huge milestone for us and we will always be thankful to you. 

Jesse M.

Judi completed our application over the phone, in the evening!  She has a wealth of knowledge, patience and is 100% committed to assisting with and getting the best possible mortgage for her clients!  Judi worked a miracle for us, call her, you'll be happy you did. 

Margie D.

Judi Gavia performed an excellent job fulfilling my mortgage refinance needs. I would highly recommend her services to my friends and family. Thank You Judi.

William E.

A close friend of mine recommended that I ask Judi for help, as I was having issues with a lender I was working with on the purchase of my home, and I'm so glad I did! From the moment I called Judi she has been spectacular. I gave her all of my info and in no time she had my pre-approval sent to everyone so that we could move forward with buying our new home. Throughout the process, Judi was 100% on top of everything, even answering her phone late in the evening just to answer a few questions. We are so thankful with how smooth she made this process for us, she is an absolute professional and I would highly recommend her to anyone looking for help with the financing to buy a new home.

Andrew P

I would most definitely recommend Judi to anyone needing a mortgage loan and will surely use her again. She made it so easy and was so efficient.

Fred S.

I have worked with Judi for the past 5 years. She is an experienced and tireless lending professional. Her strength lies in her problem solving skills as she will always present many options to buyers, particularly when challenges arise. Her upfront work benefits both us, the real estate professionals, and her clients as her files go into underwriting ready for a smoothe and quick approval. I recommend Judi Gavia to anyone looking for a top performing lender to take their business to the next level.

Pearl H.

Licensing Information :

Sierra Pacific Mortgage Services, Inc., Licensed in Arizona under License No. 0905006. Licensed in California by the Department of Business Oversight under the Residential Mortgage Lending Act 417-0015. Licensed in Nevada 3268. We provide mortgage lending and brokering services. Licensed in Oregon under License # ML-460. Not Licensed in the State of New York.