Our Story
Your Trusted Mortgage Broker Since 2003
Valley Properties was built on a simple belief: every client deserves honest guidance, competitive rates, and a broker who's genuinely invested in their success.
KP Dhillon
Founder & Senior Mortgage Broker
NMLS #2025396
Meet KP Dhillon
With over 20 years of experience in the mortgage market, I've helped hundreds of families, first-time buyers, veterans, and investors navigate one of the most important financial decisions of their lives. At Valley Properties we have a straightforward mission: bring big-bank expertise to an independent, client-first brokerage.
As an independent broker, I'm not tied to any single lender. That means I shop dozens of loan products on your behalf to find the rate and terms that actually fit your situation — not just the easiest option to close. Whether you're buying your first home or refinancing a property, I bring the same level of care and attention to every file.
I live here, invest here, and I'm deeply committed to the communities I serve. When you work with Valley Properties, you're not a number in a queue — you're a neighbor.
Credentials & Experience
Licensed, certified, and deeply experienced in the Sacramento mortgage market.
Licensed Mortgage Broker
State of California, DRE #01406678
NMLS Certified
NMLS #2025396— Nationwide Mortgage Licensing System
20+ Years Experience
Local mortgage market since 2003
500+ Loans Closed
Purchase, refinance, FHA, VA, jumbo, and conventional
Independent Broker
Access to dozens of lenders — no single-bank bias
Local Market Expert
San Francisco Bay Area, Sacramento Area, Central Valley, and Southern California.
What We Stand For
The principles that guide every client relationship and every loan we close.
Transparency First
No hidden fees, no confusing jargon. We walk you through every number so you know exactly what you're agreeing to.
Independent Advice
As an independent broker, our loyalty is to you — not to a lender. We shop the market to find the best fit for your goals.
Local Expertise
We know the Sacramento market inside and out. That local knowledge helps us move faster and anticipate issues before they arise.
Relationships Over Transactions
Many of our clients come back for their next purchase or refinance. We build relationships that last well beyond closing day.
Community
Rooted across California
Valley Properties is proud to be a locally owned and operated business. We sponsor first-time home-buyer workshops through the Housing Alliance, partner with local real estate agents who share our commitment to client care, and actively support finding the housing product that works your unique situation.
Let's find the right mortgage together.
Whether you're just starting to explore your options or ready to apply, we're here to help every step of the way.