Guiding California borrowers & investors
through real estate financing
Since 1985
Focused Lending Support for Buyers & Investors
Who Value Speed and Clarity
Buying or refinancing real estate often means making decisions under pressure. Coby Barnes approaches lending with composure, responsiveness, and a problem-solving mindset—helping clients move forward with confidence, even when timelines are tight.
A former collegiate point guard, Coby learned early how to lead, communicate clearly, and stay calm in fast-moving situations. Today, he brings those same skills to mortgage lending, working closely with borrowers, investors, and referral partners to identify viable loan options and keep transactions moving.
A Hands-On Loan Officer Who Treats Every File Like It Matters
Coby is known internally for his willingness to dig deep, ask the right questions, and explore every reasonable option for his clients. While he is newer to the mortgage industry, he pairs that drive with strong mentorship and the full operational support of Mid Valley Financial’s experienced lending team.
Clients working with Coby can expect:
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Clear explanations without jargon
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Fast follow-up and consistent communication
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A loan process guided by preparation and attention to detail
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A partner who takes ownership from application through closing
Lending Focus Areas
Coby works with a wide range of California borrowers, with a particular interest in transactions that require urgency and structure.
Common scenarios he assists with:
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First-time and repeat homebuyers
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Real estate investors and developers
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Private (hard money) and bridge loans
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Conventional loan programs
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Purchase and refinance transactions
Loan availability and terms are subject to underwriting, guidelines, and property qualifications.
Why Clients Choose to Work With Coby
Responsive by design
Coby understands that unanswered questions slow deals down. He prioritizes timely responses and proactive updates.
Opportunity-oriented
Rather than stopping at the first “no,” he works to understand the full picture and identify feasible paths forward.
Team-backed experience
Every loan benefits from Mid Valley Financial’s established processes, compliance oversight, and decades of combined lending experience.
Straightforward guidance
Clients know where they stand at each stage—no overpromising, no surprises.
What the Process Looks Like
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Initial conversation to understand goals, timelines, and property details
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Application review and documentation guidance
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Loan strategy discussion based on eligibility and objectives
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Ongoing communication through underwriting and closing
Coby remains accessible throughout the process to answer questions and coordinate next steps.
Ready to Get Started?
If you’re considering a purchase, refinance, or investment loan in California, I’d be glad to help you explore your options.
You can call me directly at 559-256-3642, or use the secure form below to get started.
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