Buy a Home in California

Purchasing a home in Rancho Cordova or anywhere in the state of California means applying for a home loan.

The right mortgage will help you maximize your return on your home investment and build wealth.

Mortgage Consultant Groups can connect you to many different types of home loans, each suited to different needs and goals.

What Type of Home Loan is Right For You?


You can buy a home with no down payment and with easy credit qualifications if you are a veteran, active duty service member or eligible surviving spouse Ask us about loans guaranteed by the Department of Veterans Affairs.

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Purchasing a home with a mortgage backed by the Federal Housing Administration may be a suitable option if you want a low down payment, easy credit qualifications, and affordable rates.

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A conventional home loan is a mortgage that does not have a guarantee from a government agency like the FHA, VA or USDA. Borrowers applying for conventional loans are typically thinking of conforming loans, which also fit within Fannie Mae and Freddie Mac loan limits.

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If the limits for conforming conventional loans are too low for your needs, you can apply for a non-conforming mortgage, which can be referred to as a “jumbo” loan.

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Consider applying for this mortgage program backed by the US Department of Agriculture if you are shopping for a home in rural California and meet the income requirements. Moving into a home with zero down and affordable rates along with easy qualifications are just some of the benefits of USDA mortgages.

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Self Employed Borrowers

Homebuyers who work for themselves can apply for loans using bank statements as an income verification option instead of W-2 forms.

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FHA 203k

Combine home purchase and renovation costs in one simple, streamlined mortgage product to purchase the fixer-upper of your dreams.

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Renovation and Construction

We offer HomeStyle Renovation loans and CHOICERenovation loans.

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First Time Home Buyer

Quite a few options exist for choosing a loan to buy your first home. Ask us for personalized recommendations during your consultation. We will be glad to explain different lending products to you in detail and their pros and cons given your scenario.

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2nd Homes / Vacation Home Loans

We can help you to purchase a second home or vacation home with a flexible and competitive mortgage.

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What to Consider When Choosing a Mortgage

Weigh these factors when you are deciding on what type of home loan to choose:

  • Financial details such as your credit score, debt-to-income ratio and ability to afford a down payment
  • Your employment status and history
  • Your ability to pay for mortgage insurance
  • The length of time you will be in your home
  • Your military service record

You can share all of this information with us in your consultation, and we can help you understand how these factors can impact your application for a mortgage.

See What Our Clients Are Saying About Us!

Brian, Kim, and Mitzie all did an amazing job on helping my wife and me purchase our first home. I would recommend them to any, and everyone and appreciate all the hard work they put into our process! Thanks guys!

Fantastic people and GREAT SERVICE! Love working with these people. Thank you!

They were great on explaining everything and was always there for any questions I had.

Really felt like the team was on my side and were always available. For a first time experience I don't think it could have gone better thanks to Brian and team!

Smooth and easy, he is very knowledgeable and ready to help every way possible. His whole team is the dream team.

I really appreciate Brian, Katie, and Mitzi, the way they have communicated. I really impressed with their dedication on my loan processing. I am truly grateful for all their help..

I explained my goals and was presented with multiple options. Brian and his team made the process stress free and was well executed. Any questions or concerns I had were quickly addressed.

As a new homeowner, there’s a lot of terms and processes that I don’t understand but with Brian Musket and his team, I immediately felt comfortable and trusted them through the process. I’ve recommended Brian to several people since buying my home.

Brian, Katie, and Mitzi were all terrific to work with. Always responsive and addressed my questions and concerns immediately. I always was informed of each step and what to expect next. Thank you for helping me get the home I wanted and in less than 30 days!

All went smooth and as expected, with a minor delay in final signing but not a result of anyone or anything on Brian's Team. I have no other comments on this.

Buy a Home in Rancho Cordova or Beyond

Are you ready to move forward with your home purchase with a competitive loan? Please contact us today at (916) 669-1682 to schedule your consultation. We work with customers in Rancho Cordova, Gold River and throughout Sacramento, El Dorado, Placer, San Joaquin and Stanislaus Counties. We can also connect you with a loan elsewhere in California.