Finance Your Perfect Home
Let me help you purchase a new home, refinance your current mortgage, or find the right loan program just for you!
Contact Joe Alves!
Call: 916-945-6242
Email: joe@cahome.loans
Visit: 101 Parkshore Dr. #100
Folsom, CA 95630
Buying a home
How much home can I afford?
Can I get help with my down payment?
What are my loan options? Let me help you!
refinance options
Whether you are looking to lower your monthly mortgage payment, consolidate debt, pull out cash, or change the terms on your current loan, I can help you evaluate your options and provide you with an overall financial analysis.
reverse mortgage
A Reverse Mortgage is a unique loan and designed for borrowers that are 62 years of age and older.
A Mortgage Broker You Can Trust
With over 15 years of experience, my promise is to get you the best mortgage possible.
No Hidden Fees
No Appraisals Needed*
In many of our transactions, appraisals are not required.
Loan Process
We Work With Your Budget
As a local independent broker, we have access to lower wholesale rates that big banks and retailers cannot match. We can get you to the closing table in 20 days or less.
“Joe is extremely responsive in working with my clients and their mortgage needs. He has exceeded my clients expectations in every way and it is not uncommon for me to receive a thank you e-mail from my clients thanking me for the introduction. Joe’s knowledge in loans makes him an easy recommendation.”
“Joe is assisting me with refinancing my home. His professionalism and prompt responses has been refreshing, and gives me confidence in my choice to work with him. I have not completed the process as of today, but I am sure the outcome will fit into the “Superlative work, from concept to final output” attribute choice. I would recommend speaking with Joe Alves is you are considering a refinance of your home mortgage.”
Start Your Application Today
What are you waiting for? Let’s get you pre-qualified, ready for a loan, and finally cleared to close.