Mortgage Broker in Sacramento, CA
As an experienced mortgage broker in Sacramento, CA and mortgage lender at Alltrust Lending, Mike Adams provides tailored mortgage solutions for Sacramento residents. Whether you’re a first-time homebuyer or seasoned homeowner, Mike connects you with competitive rates and flexible terms.
Excellent 4.9 out of 5
Loan Options Available:
- Home Purchase Loans: As a mortgage broker in Sacramento, CA, Mike offers a variety of loan types, including conventional loans for buyers with solid credit and larger down payments, FHA loans designed for those with lower credit scores or smaller down payments, VA loans for military veterans, and USDA loans for rural property purchases. Each loan is customized to fit the borrower’s financial profile and long-term goals.
- Refinancing: Mike helps homeowners take advantage of better rates and terms. Refinance options include rate-and-term refinancing to lower monthly payments or shorten the loan term, and cash-out refinancing, where borrowers can tap into their home equity for renovations, debt consolidation, or other expenses.
- First-Time Homebuyer Loans: These programs provide affordable loan options for new homeowners, including government-backed loans like FHA that offer lower down payments and reduced credit requirements. Mike also helps buyers navigate local down payment assistance programs, reducing the upfront costs of buying a home in Sacramento.
- Non-QM (Non-Qualified Mortgage) Loans: For self-employed individuals or those with non-traditional income sources, Non-QM loans offer more flexibility than conventional loans. As a mortgage lender, Mike ensures these clients get access to options that suit their financial circumstances, even if they don’t fit standard loan criteria.
- Investor Loans: Sacramento’s growing real estate market makes it an attractive destination for property investors. Mike provides tailored financing for investment properties, including loans for single-family rentals, multi-family units, and fix-and-flip projects. These loans are designed to help investors build or expand their portfolios with competitive terms.
- Down Payment Assistance: Mike works with various down payment assistance programs that help first-time and low-to-moderate-income buyers secure their home with minimal upfront costs. These programs make homeownership more accessible in Sacramento’s competitive market.
- Construction Loans: For clients looking to build a new home in Sacramento, construction loans cover the cost of building, with a seamless transition into a permanent mortgage once the home is complete. Mike helps guide borrowers through the process, ensuring financing is smooth from start to finish.