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Justin Ingolia

NMLS #1023119

Branch Manager





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Portrait of Justin Ingolia with his wife and children in a park.

Justin's Bio

NMLS #1023119
Branch Manager | Sr. Loan Officer

Justin began his career in the mortgage industry at the age of just 19. His youthful persistence led him to Bank of America where he quickly progressed from a premier mortgage processor into the role of premier loan consultant. In that role, he was able to lend in various facets to the high net worth clientele of Bank of America’s premier department. After lending for 11 years with Bank of America, experience called him over to Wells Fargo as a knowledgeable Home Mortgage Consultant. Over the next 5 years with Wells Fargo, Justin continued to use his deep understanding of lending to help individuals and families realize their dream of homeownership.

He’s often heard around the office saying, “Helping people buy a home is the BEST aspect of this job. I get to be a part of a major milestone in these people’s lives.” Justin will tell anyone willing to listen about the benefits of homeownership. If he isn’t lending, then he can be found with his 4-favorite people on the planet. His wife and high school sweetheart, and their 3 adorable children. “Those 4 special individuals bring so much joy and light to my life”. Being together as a family makes him feel grounded and recharges his batteries.

“People are my passion”, says Justin. “I love being able to invest in people through all aspects of my life”. In his work and personal life, he continues to do all he can to lift up and elevate individuals. In 2017 Justin worked with Fremont Presbyterian Church and Compassion Village to help build one of fifteen tiny homes for homeless families in the local Sacramento area. He has worked with the homeless while in Jr. High and High School through various trips to skid row Los Angeles and here locally in Sacramento. “Seeing the devastating effects homelessness has on a person’s ability to hope has profoundly changed my outlook on the homeless and affordable housing”. Justin’s goals are to help as many families and individuals realize their dream of responsible homeownership.

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5 ★ on Our Website, Jan 06, 2023


It was a hard journey and Justin worked extremely hard to get us not only the house we desired. As well, at a rate that was manageable for m... Read More

5 ★ on Our Website, Jan 04, 2023


As first time home buyers, we could not have picked a better person or company to go through for our home loan! Justin was amazing to work w... Read More

5 ★ on Our Website, Dec 31, 2022


Justin was very professional in the entire loan process. He ensure all my questions and concerns were answered. I’m completely satisfie... Read More

5 ★ on Our Website, Dec 30, 2022


Amazing AMAZING loan officer! Would highly recommend! Friendly and easy to work with! Look no further!!

5 ★ on Our Website, Dec 21, 2022


Justin is tremendous at his job and just an all around good person to boot. He shared his knowledge, was transparent about the process, and ... Read More

5 ★ on Our Website, Dec 15, 2022


Justin was a terrific help throughout our home buying process, from beginning to end. He's friendly, informative, helpful and quick to respo... Read More

5 ★ on Our Website, Sep 03, 2022


A huge thank you for to Justin! We are so grateful we got to work with him in the process of purchasing our forever home. He was thorough in... Read More

5 ★ on Our Website, Feb 22, 2022


Justin was very easy to work with!

5 ★ on Our Website, Nov 25, 2021


Justin was amazing to work with always answer my calls and answered all my questions

5 ★ on Our Website, Nov 16, 2021


Got everything done extremely proficiently and efficiently. Very smooth process and so happy with results

5 ★ on Our Website, Oct 30, 2021


Justin is a true professional, we couldn’t have had a better experience. He made us feel comfortable at every stage by giving us his exper... Read More

5 ★ on Our Website, Oct 20, 2021


Jason made this easy.

5 ★ on Our Website, Sep 28, 2021


Found us great rates on two loans and a lender that can close inside our Family Trust; great customer service from Justin!

5 ★ on Our Website, Sep 16, 2021


Justin and Jamie were amazing- so responsive, so kind, so clear and quick. Justin is not only knowledgeable but perceptive, and I so appreci... Read More

5 ★ on Our Website, Sep 03, 2021


Start to finish was a great experience with the most helpful and professional staff

5 ★ on Our Website, Aug 08, 2021


Justin has been so great! We appreciate his thoroughness and how he always kept us informed of the process. This is our second refinance wit... Read More

4 ★ on Our Website, Jul 03, 2021


Friendly and helpful

5 ★ on Our Website, Jun 19, 2021


I am happy with our mortgage loan experience with the group. Though we were not able to meet some of our deadlines, I was overall satisfied ... Read More

5 ★ on Our Website, Jun 17, 2021


Justin did a great job in helping and guiding us with our complicated home purchase. He was very knowledgeable and patient with all of our q... Read More

5 ★ on Our Website, Jun 10, 2021


Justin was a great help through the entire home buying process. He made himself available whenever needed to answer our questions and is ver... Read More

5 ★ on Our Website, Apr 02, 2021


Justin and his team were an absolute pleasure to work with. As a first time buyer I had a TON of questions and concerns and Justin always ma... Read More

5 ★ on Our Website, Mar 30, 2021


Easy breezy! He did all the leg work and made it super easy for us to complete.

5 ★ on Our Website, Mar 13, 2021


Justin was persistent, professional and really went above and beyond to get us in the best possible loan for our reality. Kept us in the kno... Read More

5 ★ on Our Website, Feb 27, 2021


Justin Ingolia was great! He came recommended by a friend and did not disappoint. We have bought and sold a few homes in the past, but never... Read More

5 ★ on Our Website, Jan 26, 2021


Justin and his crew have been so helpful and AMAZING !! This is my first time buying a house and I wouldn’t have had it any other way. Alw... Read More

5 ★ on Our Website, Jan 18, 2021


Justin went above and beyond to get us the best possible financing and to meet our needs! We can't recommend him enough.

5 ★ on Our Website, Jan 11, 2021


Justin was flexible and able to accommodate our every evolving refi!

5 ★ on Our Website, Jan 08, 2021


Excellent communication. Justin did a great job of keeping us informed and pursuing our questions. We were happy with the services provided!

5 ★ on Our Website, Dec 12, 2020


I enjoyed working with Justin! He answered all my questions and the whole process went smoothly. He was fast and efficient with all my reque... Read More

5 ★ on Our Website, Dec 08, 2020


Super responsive, easy to work with and wonderful communication. Great to work with!

5 ★ on Our Website, Nov 16, 2020


Just finished a refinance experience with Justin and it could not have been smoother. He was clear and prompt every step of the way, we knew... Read More

5 ★ on Our Website, Nov 04, 2020



5 ★ on Our Website, Oct 29, 2020


I really liked the way you were always available for any questions that we had and you were always able to help us out when we had issues re... Read More

5 ★ on Our Website, Oct 01, 2020


Justin is the man. He's experienced, an excellent communicator, he knows how to navigate a deal, and he's trustworthy. I highly recommend hi... Read More

5 ★ on Our Website, Sep 27, 2020


Justin did a Great job. I would highly recommend.

5 ★ on Our Website, Sep 15, 2020


Justin was great - he was very informative and helped moved the process along quickly and smoothly!

5 ★ on Our Website, Aug 20, 2020


Outstanding in all aspects. Justin made the experience easy and transparent and displayed genuine care for our satisfaction.

5 ★ on Our Website, Aug 11, 2020


As a first time home buyer I wasn't sure what to expect but my whole experience was great! Thanks to Justin, the entire process was smooth ... Read More

5 ★ on Our Website, Jul 23, 2020


Thank you Justin for all you did to make this a smooth process for us! You were attentive and a great advocate.

5 ★ on Our Website, Jul 01, 2020


Very easy and quick. I problems at all

5 ★ on Our Website, Jun 29, 2020


Justin was an absolute delight to work with! He was able to answer any questions we had and got us an incredible rate! I will be recommendin... Read More

5 ★ on Our Website, Jun 12, 2020


Great job in a busy market!

5 ★ on Our Website, May 28, 2020


My husband and I just purchased our first home and we had the best experience working with Justin Ingolia. He was so helpful and always made... Read More

5 ★ on Our Website, May 14, 2020


Justin was great to us. He made sure to explain everything and talk over options.

5 ★ on Our Website, Apr 16, 2020


I would highly recommend Justin! He did an amazing job of executing a refinance of our home. He was there to help us through the application... Read More

5 ★ on Our Website, Jan 03, 2020


Incredibly professional and knowledgeable while maintaining constant contact. Walked me through every step and made me comfortable with purc... Read More

5 ★ on Our Website, Dec 25, 2019


As first time homeowners, we can gladly say that Justin made the process as easy as possible. He was easy to get ahold of and did an excelle... Read More

5 ★ on Our Website, Dec 13, 2019


Justin was very helpful on getting us the loan that we needed. He answered all of our questions and he guided us through the loan process. H... Read More

5 ★ on Our Website, Sep 04, 2019


Justin has been wonderful throughout this loan process. This is our first home, and the whole process can be very overwhelming, but Justin h... Read More

5 ★ on Our Website, Jul 17, 2019


Justin Ingolia was awesome in all regards! Found me the best deal for my situation and was accommodating with my schedule and preferences. I... Read More

5 ★ on Our Website, Feb 13, 2019


Loved working with Justin. Every question I had he answered immediately and if he didn’t know he followed up in a timely manner. Fabulous!

5 ★ on Our Website, Jan 06, 2019


Justin stuck it out for the long haul, dealing with an incredibly difficult lender, a sometimes moronic realtor, tedious sellers, and a less... Read More

5 ★ on Our Website, Jan 04, 2019


Justin was absolutely amazing through a very long and frustrating escrow. He was always there when we needed him, and went above and beyond ... Read More

5 ★ on Our Website, Sep 07, 2018


Justin was great to work with and really helped explain all the details to us.