With over 50 years in the mortgage industry we've seen just about everything. So whether you're considering a purchase or refinance, or you're a realtor looking for a seasoned mortgage company with strong pre-approval's, we're your advocate! Lending Concepts closes over 95% of our pre-approved loans.
We utilize in-house processing which means your loan is both approved and funded locally. This allows us to be more flexible which results in faster and more efficient processing and our exceptional rate of mortgages funded. When a buyer is pre approved, the process allows the buyer to be confident they will qualify for the purchase amount they are pre approved for and the pre approval should make their offer stronger in the eyes of the seller.
We utilize in-house processing which means your loan is both approved and funded locally. This allows us to be more flexible which results in faster and more efficient processing and our exceptional rate of mortgages funded. When a buyer is pre approved, the process allows the buyer to be confident they will qualify for the purchase amount they are pre approved for and the pre approval should make their offer stronger in the eyes of the seller.
Services
Lending Team
Report
I have been in the banking and lending industry for 31 years. While originating loans I have earned top producer awards for many years. I have worked hard to earn the reputation as one of the most respected Loan Officers in the Central Valley. I pride myself in being there every step of the way. I want to gain trust and confidence in my clients so that I have relationships for life.
USDA Loans
Report
The United States Department of Agriculture (USDA) offers a loan program for rural borrowers who meet certain income requirements. This type of mortgage loan is offered to "rural residents who have a steady, low or modest income, and yet are unable to obtain adequate housing through conventional financing."
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