Purchasing a home does not need to be a scary movie! Prepare today to buy tomorrow and experience a non-suspenseful transaction!


Our team helps to pave the way for smooth transactions fulfilling the client’s wants and needs in homeownership. We do so by crafting Modern Mortgage Solutions enhanced by World Class Communication. Know your home loan is cared for with compassion, dedication, and professionalism when working with Victor Bals Team.



We take pride in the service provided to each of our clients and professional partners. The positive reviews we receive allow us to spread our team’s mission throughout for our community’s home loan needs. 

Victor has been part of this process since the beginning and has always been quick on replying and getting us the information we needed. It has been a pleasure working with him!
Victor and his team made my buyer's new construction purchase a very smooth process from pre-approval to closing. Thank you so much!
Victor and his team communicated very effectively. Throughout the entire process, the team provided different options and provided timely updates along the way. I would highly recommend!!!
Vic, Flo and Beth always work hard for my clients and do an amazing job. Everyone is always satisfied and enjoyed the process. The Blue Bible is always a hit at the closing table too. Thanks again for another Great Deal!! I appreciate you all and Highlands Residential Mortgage!
Victor and his team were available around the clock.
Happy Buyers, Happy Sellers. Just the way we draw them up!! It was another ideal closing and we appreciate all your communications and assistance in getting this closed so quickly! See you again soon Vic (and your wonderful support staff)! Craig Mincy & Rachel Mincy, MINCY REAL ESTATE brokered by EXP Realty, LLC
This is the second loan I've closed with Victor Bals, and I specifically came back the second time because of the smooth experience my wife and I had the first time. The second time was perfectly smooth as well. I would recommend Victor to anyone.
Victor and his team provide clear communication throughout the home buying process. Victor will work diligently and find the best loan program available to the homebuyer. He educates each client throughout the transaction, always personally answering any questions. Victor's attention to detail & knowledge is unsurpassed.

See our reviews and leave your own! We pride ourselves on customer service and would love to share your experience with others!