Business Details
Your Trusted Mortgage Broker in Cameron Park, CA
Acurus Home Loans has been dedicated to helping Californians achieve homeownership for over two decades. Our team of experienced loan officers specializes in a comprehensive range of mortgage solutions, including purchase loans, refinancing options, and niche programs tailored to unique financial situations. We pride ourselves on offering Conventional, FHA, VA, USDA, and Reverse Mortgage programs, alongside specialized services like HELOC/Equity second mortgages and bank statement loans for self-employed individuals.Our commitment to integrity and customer satisfaction drives our mission to provide competitive interest rates, transparent closing costs, and expedited transaction processes. With a focus on overcoming lending challenges and delivering personalized service, we maintain a strong reputation as trusted mortgage advisors in the industry. Our NMLS-registered company (ID: 1700596) combines local expertise with nationwide lending capabilities to serve diverse client needs.
Services
Purchase Loans
Refinancing
Reverse Mortgages
HELOC/Second Mortgages
Bank Statement Loans
Co-op Mortgages
Construction Loans
Rehab Loans
USDA Loans
VA Loans
Highlights and features
- 27 years of mortgage lending experience in California
- Specialized programs for low FICO scores and self-employed borrowers
- Expedited closing process compared to industry standards
- NMLS-registered company with transparent pricing structure
- Personalized service from experienced loan officers
Associations and certifications
- NMLS
What people say
Professional and courteous
Prompt in responding
Closed smoothly
Dedication and integrity
Expertise in mortgage solutions
Services
Purchase Loans
Our purchase loan programs accommodate various property types including single-family homes, condominiums, and manufactured housing. We offer Conventional, FHA, VA, and USDA options with down payment assistance programs. Our experienced loan officers guide clients through the entire purchase process from pre-approval to closing.
Refinancing
We provide comprehensive refinancing solutions including rate/term adjustments, cash-out options, and specialized programs for HELOC and second mortgages. Our streamlined process reduces closing timelines while maintaining competitive rate structures for qualified borrowers seeking to optimize their mortgage terms.
Reverse Mortgages
Our Home Equity Conversion Mortgage (HECM) program enables qualified seniors to convert home equity into tax-free funds. We offer personalized counseling to ensure clients understand payment options, eligibility requirements, and long-term financial implications of reverse mortgage products.
Bank Statement Loans
Designed for self-employed professionals and investors, these alternative documentation loans use bank statements instead of traditional W-2 forms. Our program accepts credit scores starting at 500 while maintaining responsible lending standards for non-traditional income verification.
HELOC/Second Mortgages
We offer home equity lines of credit and second mortgage programs with flexible repayment terms. These products provide access to home equity for debt consolidation, home improvements, or investment opportunities while maintaining competitive interest rates for qualified borrowers.
People
Paul Sterling Arendsee
President
President and NMLS-licensed loan officer with 27 years of California mortgage experience. Specializes in complex loan scenarios and maintains active CA DRE licensing (#01229662). Committed to personalized service and innovative mortgage solutions.
Sean Stecker
Loan Officer
Experienced loan officer with specialized knowledge of alternative mortgage programs. Holds NMLS license #2007340 and CA DRE license #02123479. Focuses on helping clients navigate non-traditional financing options with transparent guidance.
Questions
What mortgage programs do you offer?
We provide Conventional, FHA, VA, USDA, Reverse, HELOC, Co-op, Construction, Rehab, and specialized loans for self-employed borrowers and low FICO scores.
How quickly can you close a mortgage?
Our streamlined process typically closes transactions faster than industry averages, with recent refinance cases completed in 4 weeks.
Do you work with non-traditional borrowers?
Yes, we specialize in bank statement loans and alternative documentation programs for self-employed individuals and investors.
Are there credit score requirements?
We offer programs accepting credit scores as low as 500 while maintaining competitive rate structures for qualified borrowers.
How do you handle customer communication?
Our team provides 24/7 availability through phone, email, text, and in-person document delivery options for client convenience.
