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Sierra Pacific Mortgage Company Inc. NMLS #1788 Toll Free 800-447-3386
Judi Gavia

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 wonderful to work with, she worked quickly and thoroughly in prepping our loan. Judi was always available to answer our questions and she would get back to us quickly and calm our anxieties. We would absolutely refer Judi to friends & family. 

Kelly & Rhonda L.

Judi was awesome. Almost always available and if not would get back to us within the hour. She was professional and very nice to deal with. I highly recommend her to anyone seeking a mortgage.  Thank you Judi for assisting us with the financing for our new home.

Michael M.

Thanks so much for your help and hard work for the financing on my first home, I’m very excited for the next steps. I greatly appreciate you and your team  ensuring I was able to get it all done early.  I will definitely refer you and Sierra Pacific to my friends and family.  Thank you for making this happen!  

Lauren Z.

Judi Gavia exudes professionalism and truly went above and beyond to secure the perfect loan for my husband and myself.   Judi was recommended by our real estate agent as were looking to purchase a home in Granite Bay.  It was clear, early on, that she is very well connected in the real estate industry and made personal contact with the selling agents on homes we put offers on to let them know that we were pre-approved.  She even went as far as meeting us at one of the homes to personally speak to the selling agent on our behalf.  We were in contact with Judi for approximately 8 months during our search and she was incredibly informative and responsive to every question we had during the process.  She worked with us to secure a competitive rate once we locked in our loan and we are truly appreciative of her efforts.  She was even present at the signing of closing documents, to answer any final questions!  We've never experienced this kind of service with mortgage lenders in the past and we would highly recommend Judi Gavia to our friends and family! 

Mike & Amanda M.

We could not have asked for a better loan officer to work with as first-time homebuyers.  Judi and her team made the process smooth and easy.  She is honest and realistic and she always explained what to expect throughout the entire process.  Go with Judi!

Brian & Linda Y.

Judi, awesome work for us!  Words can't describe how grateful we are for you as well as your team.  We can only imagine the amount of work it took to make this early closing happen, but we are overjoyed and excited to move into our first home together!  We will definitely tell people about this and send them your way.  Thank you for all you've done for us!


Judi, thank you for all your hard work and assistance through-out this process. Your knowledge and professionalism really made the process straight forward. We will definitely highly recommend you to anyone looking to purchase a home or refinance. Thank you again for making our purchase such a great experience!

Matthew S.

Judi is one of a kind! Extremely knowledgeable and customer-focused. Her attention to detail was impressive and appreciated. She kept me apprised of status every step of the way. I will happily refer Judi Gavia in the future. VERY positive transaction.

Rhonda L.

Judi was very helpful during my loan process, and I appreciate everything she did for me as a first time home buyer.   I would definitely recommend her to anyone looking for real estate financing. Thank you Judi!

Roza A.

Judi Gavia at Sierra Pacific was a tremendous help for my husband and I during the loan process. I can say that the experience of buying our first home went very smoothly and was painless with the help of the professional expertise from Judi Gavia. We are so happy with our experience and will refer Judi to our friends and family.

Rosetta S.

Judi Gavia is an absolute professional in her field. Her dedication through this whole process was incredibly smooth and timely. We would definitely use her again and refer her to all of our friends!  Thank you for making the loan process so easy for us.

Michael & Lisa M.

Judi was absolutely great. Excellent support and clear communication helped create a quick and painless loan for me. Thank you.

Kent H.

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.

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.

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 was amazing to work with for us!   We just relocated to CA and Judi totally took care of us, is so knowledgeable on the process and was on top of things at all times. She is incredibly  knowledgeable on the industry, the area and the entire loan process.  We had the utmost confidence in getting our loan closed with Judi managing it for us. I highly recommend you work with Judi Gavia. Not only is she very experienced and knowledgeable, she is a joy to work with and all around great lady!

Mark & Angela H.

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.

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.

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.

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 Florida MLD219. 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.