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Mortgage Loan Solutions for Almost All Mortgage Problems

What Can We Do For You?

Unmarried Couples - Of All Sorts • Low FICO Scores • Having too many properties already • Being self-employed • Spouses of Veterans • Reverse Mortgages for elderly owners • People with no Social Security Number • Bait & Switch Lender Victims • Angry folks who were told untruths or turned down by uneducated bankers

Conventional Loans

The Benefits of a Conforming Loan are: Competitive interest rates, Lower monthly mortgage payments, No prepayment penalties, Typically faster turnaround time than other loans. Conforming Mortgages can be used for any type of property and any length of loan. You can get one with less than 20% down but it will cost more…

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Pre-Approved vs Pre-Qualified

Getting pre-Approved is different, and better, than just being pre-Qualified. It also takes a bit more work but makes your purchase offers strong and more readily accepted.

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VA Loans

Home Loans for Veterans – Zero money down, 100% financing, Reduced loan fees and closing costs, Below-market interest rates. And now NO dollar limit! Use a VA loan to purchase a house or refinance your existing home. If your existing mortgage is not a VA Loan, you can refinance with a VA loan up to 100% of the home’s value and get the balance in cash!

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Federally Insured Loans

The Federal Housing Authority (FHA) sets its own rules for lenders and guarantees the mortgage to the lender. FHA Programs make it easier for borrowers who may not have stellar credit or sufficient down payment. Great for First-Time Home Buyers!

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Jumbo Loans

Mortgages in Sacramento that exceed FHA limits are called Jumbo Loans and are designed for borrowers who want to buy a bigger house. Carol Does Loans does Jumbo Loans. Any Home – Any Loan

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Repair and Rebuild Loans

Today’s Housing Market has many properties that need a lot of work. FHA, and VA both offer Improvement Loans for updating, repairing, or rebuilding the home and cover the cost of the improvements – The Improved Value.

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Cash Out Refinance

The Cash-Out refinance option allows homeowners to pay off their existing mortgage and create a larger home loan that provides them with extra cash. The amount of money that can be borrowed depends on the amount of equity that’s been built up in the home’s value. Any loan can be refinanced – even if you didn’t get it from us…

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Reverse Mortgage

A reverse mortgage is a loan. You are borrowing against your home equity. However, unlike traditional mortgages, with a reverse mortgage you do not have to pay back the money borrowed as long as you are living in the home. You have to be at least 62 and live in the home.

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