Mortgage Broker in Folsom, CA
As a seasoned mortgage broker in Folsom, CA and mortgage lender at Alltrust Lending, Mike Adams offers a wide range of mortgage solutions for Folsom, CA residents, ensuring personalized service and competitive rates.
Excellent 4.9 out of 5
Loan Options Available:
- Home Purchase Loans: Choose from conventional loans, FHA loans for low down payments, VA loans for veterans, and USDA loans for rural properties. Mike provides expert guidance to find the best loan for your new Folsom home.
- Refinancing: Mike offers rate-and-term refinancing to reduce your payments or loan duration, and cash-out refinancing to access your home equity for renovations or other expenses.
- First-Time Homebuyer Loans: Affordable loan options designed for first-time buyers, including FHA loans with low down payments and local assistance programs to reduce upfront costs.
- Non-QM Loans: For self-employed individuals or those with non-traditional income, Mike offers Non-Qualified Mortgage (Non-QM) loans that provide more flexibility than standard loan options.
- Investor Loans: Mike helps real estate investors secure financing for properties in Folsom, including rental properties, multi-family units, and fix-and-flip projects, offering favorable terms for investment ventures.
- Down Payment Assistance: Access to a variety of down payment assistance programs makes it easier for Folsom residents to purchase a home with minimal upfront costs, especially for first-time and moderate-income buyers.
- Construction Loans: For clients building their dream home in Folsom, Mike provides construction loans that cover the building costs and convert into permanent financing once the home is complete, ensuring a smooth transition throughout the process.