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California leads the Nation in home appreciation!

Recently, California home values have appreciated at the highest levels in 7 years (Src: National Public Radio). Many areas statewide have seen double digit appreciation in just one month!  


This means that home buyers who purchased recenlty with less than 20% down and have mortgage insurance (MI) may be able to refinance out of their MI and reduce their payment.  


If you have mortgage insurance and would like to see if we can eliminate it, or you're looking to reduce your mortgage payment, CLICK HERE, for a free, no hassle quote. 

Are you looking to buy a home?

Not all lenders are created equal.  Most buyers think we are and their instinct is to call the bank that they have their checking & savings account with or to go with the lender their Realtor advises.

The distinction between lenders can be the difference between success & failure.  If you are looking for a competitive lender and an experienced professional who will go the distance to get you the best deal, you've come to the right place.


Write Your Offer For a 15 Day Close!

The Real Estate Market can be very competitive and the house you found might be desired by other people who love it just as much as you do... maybe more.  

I'm going to use the Olympics as a comparative analogy to successfully buying a home.  You want the Gold Medal, which is the home you found.  How do you beat the others who want it too?   In the Olympics, there are very SMALL differences in the athletic performance between Gold & Silver winners.  Same is true in buying real estate . 

Typically, there are relatively small differences between the offers and so you just have to be a LITTLE bit better than the others.  One way to do this is to write your offer for a 15-day close.  The other offers will likely be 30+ days.  The listing agent will doubt the validity of this, which is why it's critical that the lender call the listing agent to explain how this is possible.  

However, that phone call is not JUST to explain how this is possible.   It's an opportunity for the lender to highlight the strengths of the offer, the strengths of the lender, the process, the underwriting, the turn times... What begins as doubt turns into WOW and that translates into a COMPETITIVE ADVANTAGE.  

When you get the listing agent on your side, chances are your offer is going to be one of the strongest, if not THEE strongest offer written.  
Make sure to read 9 home buying secrets to discover some strategies that you can use to make your offer stand out against the other offers. 

CLICK HERE to get pre-approved or call me if you want to discuss how this works and / or any other strategy to make your offer stand out.  916-899-6868

Purchase Tips & Tricks

9 home buying secrets – These pointers are bound to make your offer stronger.  In a climate where there are multiple offers, it’s critical to make your offer stand out against the rest.    

Low or No Money Down - Zero money down programs do exist and while not everyone will qualify, there are great down payment assistance programs. 

Buying a Fixer Upper - With few limitations to what you can do, the FHA 203k loan will allow you to financing in renovation & remodeling.

Get Closing Costs Covered - Have you ever asked if any of the costs of buying a home can be wrapped in the loan? You need to read this.

Are you eligible for HARP 2.0?

By now, most homeowners who are eligible for the Home Affordable Refinance Program, aka HARP 2.0, have heard of this program.  In short, it allows homeowners who are “upside down” on their mortgage to refinance if they meet certain criteria.  To learn more about HARP 2.0 eligibility CLICK HERE

Homeowners are seeing significant and meaningful savings if they are able to refinance under the HARP 2.0.  HARP refinance no appraisal – most homeowners will not have to have an appraisal done.  HARP refinance no cost – we can structure the loan so that all the closing costs are paid by the lender. 


Six MUST HAVES if you are looking at Refinancing

HARP refinance Sacramento – although we can write loans anywhere in California, Sacramento was one of the hardest hit areas and one area we are seeing significant benefit.  HARP refinance no overlays – many of the banks have “overlays”, which are additional restrictions.  You want to find a lender, like us, who does not have certain overlays.  To get a FREE HARP QUOTE CLICK HERE.

Have you thought about buying a home for your aging parent(s)?


Common California Home Loan Programs

Sacramento first-time homebuyer – A must read if this is your first home, or if it’s been a while.

Sacramento FHA loans – You don’t have to be a first time buyer for this.  See why it’s so popular.

Sacramento VA loan – Zero down payment! No mortgage insurance! This is a great program for Veterans.

Sacramento FHA Streamline – No appraisal, No Income Verification; Limited documentation

Sacramento Down Payment Assitance Programs – Gives up to a 5% grant for programs like FHA, VA, USDA and MyCommunity.
acramento HomePath Program – Only a 5% down required if owner occupied; no appraisal no mortgage insurance.
  Note: Act fast because Fannie Mae is ending the Homepath program October 6, 2014.




The government has launched the Home Affordable Refinance Program which will help homeowners who owe more than their home is worth. We help people everyday whose mortgages are more than their home value.



If you need immediate assistance,

Justin Lees
NMLS 110154
Branch Manager
Direct: 916.899.6868

Toll Free: 800.789.5998
Fax: 916.823.9337

5701 Lonetree Blvd Ste #104
Rocklin, CA 95765

This website is intended for the State of CA


Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this self-help tool to determine exactly what type of refinance solution is best for you.

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