Our Mortgage Process

Mortgage Consultants Group keeps the lending process simple so you can concentrate on shopping for the home of your dreams. Here is how our process works.


Schedule a consultation.

Give us a call at (916) 669-1682 to schedule your mortgage consultation. During your consult, you can share your needs and goals with us. We will then be able to offer you personalized recommendations.


Choose what type of home loan to apply for.

We offer a range of different home loans to borrowers so that you can find the right product for any scenario.

Our friendly team will go over your options with you and help you choose the mortgage that will be ideal for your requirements.


Receive mortgage pre-approval.

You receive pre-approval at this stage so you can increase your bargaining power as you search for a home. With pre-approval, you will also know exactly what you can afford.


Conduct your home search.

We will be taking care of the next steps on our end, which allows you to get back to focusing on your search for your ideal home.


Appraisal and underwriting are next.

As you search for a home, we will handle the appraisal and underwriting.


Receive conditional approval.

Next, we issue a loan commitment.


Pending documents are submitted.

At this point in the mortgage process, there may be a need to submit some additional pending documents. Should that be the case, you will be notified by email or text so you can quickly provide them.


Receive final approval.

We now issue final approval for your mortgage.


Closing time is here.

Finally, you get to close, completing the mortgage process. You now get the keys to your new home.

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 for a Home Loan in California Now

Have questions about the mortgage process, or ready to take the first step? P lease 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 serve you elsewhere in California.