Helping families buy and refinance homes
Your Home Loan Concierge Β· Licensed in California, Arizona, Oregon & Washington
Buying your first home or refinancing the one you have? Let us find the loan program that fits your goals.
Call or Text: (916) 628-3814

Licensed in California, Arizona, Oregon and Washington
Your path home, made simple

Buy a Home
Get pre-approved and shop with confidence.

Refinance
Explore options to lower your payment or tap equity.

FHA & First-Time Buyers
Flexible programs for first-time buyers.
Specialty & investor financing
Investment Property Loans
Financing for buying or refinancing a rental or other non-owner-occupied property.
Learn more βDSCR Loans
For real estate investors.
Learn more βMobile/Manufactured Home Loans
Options for manufactured homes, including homes on permanent foundations and land you own.
Learn more βCommercial Loans
Financing for business-purpose real estate, such as mixed-use, multifamily (5+ units) or other commercial properties.
Learn more βLand Loans
Financing to purchase a vacant lot or acreage, whether for a future build or long-term ownership.
Learn more βBank Statement Loans
For self-employed borrowers and business owners.
Learn more βAll programs subject to qualification, underwriting guidelines and program availability.
Three simple steps to your new loan
Talk with Michele
A free, no-obligation consultation about your goals, budget and timeline.
Get pre-approved
Apply securely online and get a clear picture of the programs that fit you.
Close with confidence
Step-by-step guidance and fast communication from application to keys.
What Clients Say: 5.0 β on Google (284 reviews)
I want to say thank you so much Michelle for making the home buying process so easy! Michelle secured me a loan fast and I was able to purchase my first home at age 27! Again thank you so much Michelle!!
Ethan T. Β· 2 months ago Β· Google
Michele did an amazing job with assisting me in my home loan process. She was very informative and walked me through process step by step from the beginning until the end. She adds a personal touch by still checking in from time to time! I couldnβt have asked for a better person. The overall experience was phenomenal!
Leon W. Β· 6 months ago Β· Google
Great lender and gets the job done. Great communication and knows the county well.
Sloan, Realtor Β· 9 months ago Β· Google
Michele was amazing. When we were feeling pressured by realtors and sellers, Michele kept a cool head and was responsive to our needs. She was knowledgeable and willing to put in the extra work to make sure we were getting the best loan possible. Not only would I recommend her to anyone, we will be using her for any future home purchases Thank you Michele, Dan and Kassie
Daniel J. Β· 9 months ago Β· Google
Having Michelle as a loan officer made everything really easy and very smooth, it almost felt like nothing. Everything was very clear and transparent, she told us what she needed and what we needed to do, we did it and it was done. Stress free and quick. It was our first experience with getting a loan. We closed in less than 30 days.
Donald C. Β· 9 months ago Β· Google
I can not thank Elizabeth and Michele enough with helping me buy my first property all on my own itβs always been a dream. I called on a Saturday and they answered and started my paperwork immediately and closed on a house extremely fast. I will always keep recommending these 2 to anyone I know needing to sell or buy a home.
Lucy R. Β· 10 months ago Β· Google
Watch & Learn
Quick answers to common home-buying questions
New videos coming soon
Short, simple explainers on pre-approval, down payments, loan programs and more.
Subscribe on YouTubeReady to talk about your options?
Free, no-obligation consultation.
Apply Now Contact Michele Call (916) 628-3814