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In most cases you will need to obtain financing, in the form of a mortgage, to purchase a home. Mortgage lenders will examine a number of factors in detail when evaluating your mortgage application, and they will be most concerned with your creditworthiness, credit history, your capacity to repay the loan (income), and collateral (loan-to-value ratio).

A lender can help you understand the different financing options available and can recommend the reputable lenders in Sonoma County best suited to your financial position and the property you wish to buy.

There are two basic categories of mortgages: the fixed-rate and the adjustable-rate mortgage. Within these categories, there are many variations.

Fixed-rate mortgage: This type of mortgage begins with a higher initial mortgage payment, with the trade-off that all future payments remain consistent and predictable. The interest rate on the loan does not change, making budgeting and planning for this type of mortgage simpler and less risky.

Adjustable-rate mortgage: This type of mortgage can be attractive because the initial mortgage payments generally start out much lower than those in a FRM. This early benefit comes with the risk of increased and fluctuating later mortgage payments, as the interest rate changes over the course of the loan.

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Choosing the right real estate office and agent can be one of the most important decisions you make in the entire home buying process.
My mission is to help you find the right home with the best possible terms. The purchase of your home can be a complicated process but I will familiarize you with the various inspections, documents and procedures that you will experience throughout the escrow process.

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Choosing the right real estate office and agent can be one of the most important decisions you make in the entire home buying process.
My mission is to help you find the right home with the best possible terms. The purchase of your home can be a complicated process but I will familiarize you with the various inspections, documents and procedures that you will experience throughout the escrow process.

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Auburn

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Citrus Heights

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Lake County

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Roseville

Roseville is the largest city in Placer County, California, located within the Sacramento metropolitan area. As of 2019, the US Census Bureau estimated the city's population to be 141,500. Interstate 80 runs through Roseville and State Route 65 runs through part of the northern edge of the city.

Roseville Details »

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Auburn

Wow! Welcome to Auburn... This is where the introduction paragraph goes. This is where the introduction paragraph goes. This is where the introduction paragraph goes.

Auburn Details »

Citrus Heights

Welcome to Citrus Heights. This is where the introduction paragraph goes. This is where the introduction paragraph goes. This is where the introduction paragraph goes.

Citrus Heights Details »

Lake County

Welcome to Lake County... This is where the introduction paragraph goes. This is where the introduction paragraph goes. This is where the introduction paragraph goes.

Lake County Details »

Roseville

Roseville is the largest city in Placer County, California, located within the Sacramento metropolitan area. As of 2019, the US Census Bureau estimated the city's population to be 141,500. Interstate 80 runs through Roseville and State Route 65 runs through part of the northern edge of the city.

Roseville Details »
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Auburn

Wow! Welcome to Auburn... This is where the introduction paragraph goes. This is where the introduction paragraph goes. This is where the introduction paragraph goes.

Auburn Details »

Citrus Heights

Welcome to Citrus Heights. This is where the introduction paragraph goes. This is where the introduction paragraph goes. This is where the introduction paragraph goes.

Citrus Heights Details »

Lake County

Welcome to Lake County... This is where the introduction paragraph goes. This is where the introduction paragraph goes. This is where the introduction paragraph goes.

Lake County Details »

Roseville

Roseville is the largest city in Placer County, California, located within the Sacramento metropolitan area. As of 2019, the US Census Bureau estimated the city's population to be 141,500. Interstate 80 runs through Roseville and State Route 65 runs through part of the northern edge of the city.

Roseville Details »

Mortgage Calculator

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