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...

My husband and I are officially home owners, and it wouldn't have been possible without Tina and her assistant Nicole!! 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 road block 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, that 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 through, 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.


Sincerely, Ramon West
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!


The McGees, Penn Valley

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.


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


Bert & Peggy Wymer- Seller

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


Kathy Hinman
Associate Executive 
Nevada County Association of Realtors
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. 

Janet White- Realtor
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.


Lois Koons

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


Garrick & Cassy Hammer

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


April Farrell

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.


Tim & Deanna Cipriani

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.


Glen Taylor & Lori Nunnink

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.


Barbara Bashall – Happy Client.
Executive Director
Nevada County Contractors’ Association
Overall Rating:

219 Review(s)
Alanna E H July 18, 2022
Tina is very responsive, attentive and knowledgeable. She answers questions so that you can understand. Tina is the best I have ever worked with!
Matthew D W July 8, 2022
Tina is great. She works hard to get the best deal for her clients. She is honest, professional and thorough. No surprises. No B.S. I won't deal with anyone else.
Wendy C J May 28, 2022
Tina and her her team are very professional and helpful. We have done several loans with them and have always had a great experience.
Raymond B F May 24, 2022
Tina was not just amazing, but she is also a miracle worker. We are convinced that if we had not used Tina during this purchase transaction, we would have never closed on the purchase of this one in a lifetime property. Hands down, without Tina by our side, we would never be we are we are today. We are deeply indebted to her and her expertise and connection to her partnerships within the industry. Thank you Tina!
Ashley T May 8, 2022
Kim is very knowledgeable and we trusted her experience. She provided wise counsel to navigate our options for refinancing or choosing a home equity line of credit during a volatile time. She worked quickly to close our loan much sooner than expected and even came to our home in Sacramento to be present for documents signing on a weekend.