Finance Your Perfect Home

Let us help you purchase a new home, refinance your current mortgage, or find the right loan program just for you!

Contact Us!

Call: 916-970-9881
Email: info@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 us 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, we 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.

Mortgage Brokers You Can Trust

With over 30 years combined industry experience, our promise is to get you the best mortgage possible.

No Hidden Fees

Several different types of fees can be involved in taking on a new mortgage or working with a new lender, including origination fees, application fees, and appraisal fees. In some cases, mortgage brokers may be able to get lenders to waive some or all of these fees, which can save you hundreds to thousands of dollars.
h

No Appraisals Needed*

In many of our transactions, appraisals are not required. 

Loan Process

While finding a new home can be exciting, navigating the mortgage process can be overwhelming for some. Knowing what steps you need to take can help the process go more smoothly.

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. 

We refinanced our loan through Shane and would highly recommend him to anyone needing a new home loan or wishing to refinance their existing home loan. He is very professional and made the loan process go very smoothly. He kept us informed at every step of the process, always got back to us quickly if we had any questions, and was well organized, straightforward, honest, and upfront about any fees.”

Maribeth Williams

Joe is SIMPLY THE BEST!! It doesn’t matter how many questions you may have he will always answer, he’s always there for his clients. It’s our 3rd time we work with Joe and as always, he meets our expectations and his work is impeccable! Thanks Joe for everything God continue blessing your life!!

Geefry and Carmen

I was working with another lender for two months trying to get my house refinanced. Joe had my loan approved in 9 days. Needless to say if you are looking for a loan I would highly recommend Joe as he is expedient and very knowledgeable. I will use Joe and his team for all my future loans.

Stephen DiPierro

We recently closed on our refinance. Shane was very professional and made us feel comfortable from the very beginning. Always had an answer to our questions and kept us updated on every little detail. We will definitely call Shane again for any future mortgage needs. We have already recommended Shane to our friends and family. You will not be disappointed!”

Rebecca Tafoya

Start Your Application Today

What are you waiting for? Let’s get you pre-qualified, ready for a loan, and finally cleared to close.