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Nothing means more to us than customer satisfaction.

Since 2009, we’ve been helping our customers successfully purchase properties or refinance their mortgages by providing the best personalized service and by making sure all of their mortgage needs are met. 

Check out what past customers have said about working with us…

kathy hinman

Kathy Hinman

Associate Executive, Nevada County Association of Realtors

My husband and I had a pleasant and smooth experience working with Tina Skrukrud during our home refinance process.


Gregory L. S.

We have completed multiple financial transactions related to real estate with Tina over several years. We keep coming back for her expertise as each one is so successful.

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Diana J. V.

We have refinanced in the past and just completed a loan with Tina and each time she has always been consistent in providing professional service and going far beyond the extra mile to make sure that as her client she does everything to take care of every detail. Tina is on top of things from the moment you start working with her until the loan closes and knowing that she is handling this incredibly important transaction has always given me huge peace of mind, especially in today’s crazy real estate market.

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Rick Tracewell

After a divorce and being out of the market for quite a while, Tina graciously offered her help and expertise to clean up and rebuild my credit so I could qualify for the best rate possible. All of this without a guarantee that I would get my mortgage through her. Of course I WILL get my mortgage through her and will let everyone know about how awesome she is. I am convinced that this level of customer service and her commitment to so many community projects and worthy charities (I honestly haven’t a clue when she sleeps) are precisely why Tina Skrukrud knows just about everyone in Nevada County and we all love her. Thanks Tina!
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Vicki Hisaw

Tina..your positive attitude and perseverance are unparalleled! You made this seemingly impossible house purchase happen. You have gone way about and beyond to help with writing letters, getting me a good rate and funds to cover the closing costs. You worked weekends and at night to make all of this come together. I am awed at your expertise and knowledge. You even made a “house call” to my sisters to make sure we got the funds in time. You are, in a word…awesome! THANK YOU!!
barbara bashall

Barbara Bashall

Executive Director, Nevada County Contractors’ Association

Tina was great to work with and made sure we got the best interest rate for our refinance and paid attention to every detail. It was a very smooth transaction. I would recommend Tina.

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Tim & Deanna Cipriani

Thank you is not enough for all you did for Tim & I. We truly appreciate all your hard work to make our dream become a reality! You are a miracle worker! We will forever be grateful.

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Lois Koons

Thank you for the many times you have helped the Koons Family. You are such a caring person and we have always appreciated your advice.

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Janet White


I've worked with Tina on a number of escrows. And she has always handled my clients professionally and responded promptly. Tina communicates well, whether by phone, email or text. She is always my first choice when recommending a loan officer.

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Glen Taylor & Lori Nunnink

Thank you, Tina, for all your hard work to make our refinance a success! We are so very grateful. We are looking forward to creating a beautiful home for our children and friends to enjoy.

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Bert & Peggy Wymer


We appreciate all your hard work in making it a reality for Tim & Deanna to buy our house. Thank you!

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Ben & Carol Furtado

We cannot thank you enough, especially for all your caring! We truly could not be moving forward without your help. Thank you so much, we will always be grateful.

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The McGees

Penn Valley

Thank you, Tina. You have been there for us down to the last detail and beyond… you are a lady that gets the job done!

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April Farrell

Thank you for making owning a home a reality! I am so thankful.

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Garrick & Cassy Hammer

We are so grateful for all your hard work and extra effort with helping us buy our first home!

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Michael A. W.

Smooth, quick and very informative.

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David R.

Worked with her for years now and she has always helped us reach our goals. She truly cares about our successes!

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Larissa M. W.

Everything went smoothly. Tina explains things very well.

My husband and I are officially homeowners, and it wouldn’t have been possible without Tina and her assistant!! We have been trying to buy the house we had been renting since October of 2015. I went through multiple Mortgage avenues and everyone seemed to have a roadblock and wind up telling me no. My husband wanted to give up multiple times, but I stayed in the fight and didn’t give up. A family friend referred me to Tina at Verger Mortgage because she helped her family get their house. I gave Tina a call and I am so happy I did! In just a month and a half, we became homeowners!

Tina and Nicole made our dream come true! Tina and Nicole were so friendly, kind, understanding, helpful, and didn’t hesitate to answer all of the millions of questions I had. They are the most compassionate people I know, and go above and beyond any other Mortgage company. I can’t say thank you enough, but thank you Tina and Nicole for your dedication and hard work to make this dream come true!  

~ Robert & Bri Patterson

I was in a fix having a good real estate opportunity that did not fit the conventional loan market requirements and not able to afford the unconventional loan rates. I worked with a traditional bank’s mortgage officer who did all that was within her means and I still did not have a loan. I was in need of something special, something creative. It was she that referred me to Tina Skrukrud.

Tina is very thorough, creative, and with her years of experience quite resourceful. Her team is efficient and effective which makes the process run without glitches and in less time. In my experience, (this is my 5th home purchase) she and her team sourced the loan to my advantage, avoided pitfalls and cleared obstacles. Tina not only found a lender to accept my particular real estate configuration but also got me a great rate. Maybe that just says it all.

~ Ramon West