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: 916-970-9881
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

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.

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. 

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.”

Gary Frontiera

Financial AdvisorSterling Advisors

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.”

Colleen Watters

Estate Planning & Elder Law Attorney, Law Office of Lynn Dean & Associates

Start Your Application Today

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