7412 Elsie Ave
Sacramento, CA 95828
Let us guide you through the process and explore creative options for every lending need.
With several years of experience in the financial services industry, I have successfully transitioned to helping individuals and families achieve their homeownership dreams since becoming a Mortgage Loan Officer. Whether my clients are buying their first home, upgrading to a larger space, or investing in a vacation property, my commitment is to find the perfect mortgage solution tailored to their needs.
My approach is centered on open and constant communication throughout the loan process. I ensure that there are no surprises at the closing table by keeping both my clients and their realtors fully informed every step of the way. Transparency and clarity are fundamental to my process, allowing for a smooth and stress-free experience.
Effective communication is the cornerstone of my work as an MLO. I prioritize understanding each client's unique circumstances to recommend the best loan options that align with their financial goals. My goal is to simplify the complexities of mortgage financing, making it easy for clients to navigate their journey to homeownership.
Connecting with clients on a personal level is my top priority. I am here to guide you through every step of the process, ensuring that you feel confident and informed about your mortgage choices. If you're looking for a dedicated professional to help you finance your new home, I am ready to assist you in finding the right loan that fits your needs.
If you are interested in owning a home, but are not able to come up with a large down payment, then an FHA loan may be an option worth considering if:
- You are looking for a small down payment (Minimum of 3.5% down).
- Have a mid-grade credit score (Minimum FICO score of 580).
- Plan on receiving the down payment as a gift from your family.
Some other things to keep in mind when deciding if the FHA loan is right for you and your family:
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you are a qualified Service Member, Veteran or eligible surviving spouse of a veteran, a VA loan is often the best home loan option for eligible borrowers offering safe, flexible loan products with favorable loan terms.
- No down payment required.
- Minimum FICO score of 620.
- No mortgage insurance.
- 100% of your closing cost can come from a family member.
- Sellers can contribute up to 4% towards your down payment or closing costs.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you're looking to become a homeowner in a rural area, then a USDA loan may be your best option.
- No down payment required.
- Lower mortgage insurance than FHA loans.
- Minimum FICO score of 620.
- Possibility of financing your closing costs.
- Sellers can contribute up to 6% towards your down payment or closing costs.
- 100% of your closing cost can come from a family member.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you have a strong down payment and are a strong qualifier, then a Conventional loan may be an option worth exploring.
- 3% minimum down payment.
- Minimum FICO score of 620.
- No mortgage insurance with 20% down.
- Allowed on primary, 2nd, and investment properties.
- Fixed-rate, adjustable-rate or Hybrid options.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you are looking to finance a higher-priced or luxury home, or a loan above $647,200, then a Jumbo loan may be an option. This loan product typically requires a lower debt-to-income ratio and a higher credit score. First-time homebuyers are eligible and borrowers can qualify for fixed or adjustable rates with various term options. Jumbo mortgage loans can be used to finance primary homes, as well as investment properties and vacations homes.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
If you are at least 62 years of age and meet the requirements of the HECM program, you may be eligible for a reverse mortgage. This program allows seniors the ability to live in their home, with no monthly mortgage payments, by converting home equity into tax-free cash while maintaining ownership of the property.
Common uses of this federally-insured loan offers include:
- Debt consolidation.
- Home improvement.
- Wealth management.
- Delay Social Security benefits
- Foreclosure avoidance.
Loan conditions subject to change without notice. All borrowers subject to underwriting and qualification. Restrictions may apply.
Buying a new home is a big financial step, even for the most experienced homebuyer. Homebuyer education courses help prepare you for homeownership, shop for a new home and learn how good credit can work for you. In addition, educating yourself about homeownership helps you understand responsibilities such as insurance, taxes and home maintenance.
If you're a first-time homebuyer looking to purchase a home through Fannie Mae HomeReady Mortgage program, you will need to participate in a homebuyer education program. There are lots of ways you can fulfill this requirement: Courses are offered via telephone, CD-ROM, online, face-to-face, etc., and are often provided free of charge. Once you complete the course, you will receive a certificate plus valuable knowledge that will put you on the path to homeownership.
Fannie Mae HomeReady Mortgage loans available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply.
Refinancing your home can be an excellent way to bring down your monthly mortgage payment, raise cash, or consolidate debts with high interest rates. Many factors may influence or drive the decision to refinance, to include the difference between current interest rates and the rate of your original loan. You might also consider the amount of time it will take to recoup the costs of refinancing.
Some common reasons homeowners refinance include:
- Lower monthly mortgage payments.
- Convert an adjustable rate mortgage (ARM) to a fixed-rate mortgage.
- Raise funds for family expenses (i.e. college tuition).
- Pay off high-interest loans.
- Home improvements.
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If you're dreaming of making California your new home, we are excited to welcome you to the Golden State. Click on the Quick Start button below, and let's begin your journey to making this dream a reality.
