Loan Options in California

Whether you want to buy a home, build one, invest in real estate, or refinance, Mortgage Consultants Group can connect you with a flexible mortgage to achieve your goals.

We Offer These Types of Loans in CA


If you are a veteran, active duty service member or eligible surviving spouse in California, we can connect you with a VA mortgage backed by the Department of Veterans Affairs. Affordable rates, easy qualifications, zero down and no PMI are among the benefits.

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An FHA mortgage is backed by the Federal Housing Administration. Features include affordable rates, easy qualifications, and low down payments.

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Conventional mortgages eligible for purchase by Fannie Mae and Freddie Mac can include fixed or adjustable rates and other features tailored to your needs. Down payments can be low with certain qualifications.

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First Time Home Buyer

As you shop for your first home, we can help you figure out what type of mortgage will best serve you on your financial journey.

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When financing requirements outpace what conventional loans allow you to borrow, you can apply for a jumbo mortgage.

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Reverse Mortgages

For seniors who want to pad their retirement income, we offer reverse mortgages for tapping into your home equity.

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You can apply for a USDA mortgage-backed by the US Department of agriculture to move into a home with no down payment if you are shopping for a home in rural California.

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Self Employed Borrowers

Are you your own boss? Buy a home with no W-2 using a self employed borrowers loan.

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Cash Out Refinance

Adjust your mortgage and get the cash you need flexibly and affordably with a cash-out refinance.

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FHA 203k

With an FHA 203k loan, you can roll together financing for the cost to buy a home and make repairs and upgrades.

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Renovation and Construction

We offer HomeStyle renovation loans and Freddie Mac ChoiceRenovation loans to help you finance improvements.

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2nd Homes / Vacation Home Loans

Purchase a second home or vacation home quickly and easily with a flexible mortgage.

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Investment Property Loans

Close fast on valuable real estate in the Sacramento area using an investment property loan.

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Chenoa Fund National Down Payment Assistance Program

The Chenoa Fund National Down Payment Assistance Program provides down payment assistance to qualifying homebuyers taking out conventional or FHA loans.

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Employee Mortgage Program

If you are a public employee looking to save money on a home purchase or refinance, the State of California Employee Loan Program may be for you.

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GSFA Platinum Down Payment Assistance Program

If you need help making your down payment on a new home in California, one program worth checking into is the GSFA Platinum Down Payment Assistance Program. This program is offered through the Golden State Finance Authority (GSFA).

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CalHFA Down Payment Assistance

If you are facing challenges making your down payment on your first home, there is a program that can help that is offered through the California Housing Finance Agency (CalHFA).

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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.

Apply Now for a Mortgage in Rancho Cordova or Beyond

If you are not sure what type of home loan you need, our friendly mortgage experts can help you figure it out. Please give us a call today at (916) 669-1682 to schedule your consultation. We work with homebuyers and homeowners in Rancho Cordova, Gold River and throughout Sacramento, El Dorado, Placer, San Joaquin and Stanislaus Counties.