Financing
Demystifying Home Loans
If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
Envoy Mortgage
Michael Haigh
Senior Loan Originator
NMLS ID # 200819
About Me
As your trusted Envoy Mortgage Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate, and make it available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first-time home buyer or a seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
Rojo Mortgage Team
Scott Rojo
Branch Manager
NMLS ID # 352874
About Me
Scott Rojo is an expert in the complexities of the mortgage process. As your Mortgage advisor, he will meet with you to identify your financial options and strategize with you on the best mortgage products that meet both your short and long-term goals. Scott will go over your purchasing power, estimated closing cost, loan options, and benefits. Scott has been helping families buy homes since 2003 and leads a team to ensure your homebuying experience is exceeding expectations. The mortgage industry is a forever changing field, Scott prides himself on knowing the latest products, the best time to lock a rate, and how to make the biggest financial decision in your life look easy. He offers every mortgage product there is and can figure out a way to get your mortgage done. At United Wholesale Lending there is no charge or upfront fees to get approved, so give Scott a call today, so you can be shopping for your dream home by tomorrow!
American Pacific Mortgage
Jason Vassar
Loan Advisor | Roseville Branch
NMLS #1729326
About Me
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.
We offer a full suite of web, mobile, text and email options for you to apply and communicate in the way that works best for you - and have security measures every step of the way to ensure that your private information stays that way.
Whether you're buying your first home, or are a seasoned investor, we have programs that can assist you in your home financing needs, including conventional, jumbo, FHA, VA, USDA, bridge loans, builder loans, renovation loans and more. Call me today to see how I can help you on your path to home ownership, or perhaps to assist in refinancing your current loan to meet the goals you have in mind.
Guaranteed Rate Affinity, LLC
Danica Halverson
Mortgage Advisor
NMLS ID # 486218
About Me
Danica Halverson is a seasoned mortgage advisor with over 26 years of experience in the lending industry. Having lived in Northern California her entire life, she brings a wealth of knowledge to her local clients, guiding them through the many complexities of securing a mortgage.
As a trusted partner, Danica has helped hundreds of clients navigate home purchasing over the course of her career. She is a passionate advocate - working tirelessly to help her clients achieve their financial goals, while providing a stress-free and positive experience throughout initial engagement to final closing.
As a mother, daughter, sister, and loyal friend to many, Danica brings her unique compassion and empathy to all her client interactions. When she is not busy helping families secure their dream homes, Danica enjoys hiking, paddle boarding, cooking, and spending time with her loved ones.
Change Home Mortgage
Vanessa Parkhurst
Mortgage Professional
NMLS ID # 360431
About Me
I started in the mortgage business in 1996 and feel as though I have seen it all. I truly enjoy analyzing each scenario to help structure the best deal to fit your needs and meet your goals. I will find a way to get even the toughest deals closed… and be sure to deliver on time.
Get Pre-Approval
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
Application & Processing
What happens when a loan goes "live"
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Closing
Signing and Finalizing the deal
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!
