Business Details
21 Years
experience
Trusted Mortgage Lending Services in Roseville, CA
We are a dedicated team of mortgage professionals serving Roseville, Rocklin, Loomis, and the greater Sacramento area. Since 2005, we have prioritized client education and personalized guidance to simplify the home financing process. Our team combines innovative technology with decades of industry experience to offer competitive loan solutions, including FHA, VA, conventional, and refinancing options. Led by JJ Mack, a seasoned mortgage expert with a Bureau of Real Estate License and specialized ethics training, we maintain a client-first approach rooted in trust and transparency. Our streamlined direct-lending model eliminates delays commonly associated with traditional brokers and big banks.With a proven track record of timely closings and a commitment to community values, we deliver a stress-free experience tailored to each clients unique needs. Our teams expertise extends to specialized programs like jumbo loans, reverse mortgages, and cash-out refinancing. We pride ourselves on fostering long-term relationships through exceptional service, as evidenced by numerous client testimonials praising our professionalism and efficiency. Backed by American Pacific Mortgage Corporations resources, we provide nationwide support while maintaining a local, small-company feel.
Services
Fixed Rate Mortgage
Adjustable Rate Mortgage
Jumbo Loans
FHA Loans
VA Loans
USDA Loan
Reverse Mortgage
Cash-Out Refinance
Refinancing
Buy Before You Sell
Details
- Year established: 2005
Highlights and features
- We offer a direct-lending process to avoid delays common with traditional brokers.
- Our team provides expert mortgage advice with local market knowledge.
- We guarantee competitive rates and personalized loan solutions for every client.
- We prioritize client education to simplify complex mortgage options.
- Our proven 'Keys on Time' program ensures timely closing guarantees.
What people say
Smooth process
Professional team
Excellent communication
Timely closing
Personalized guidance
Services
Fixed Rate Mortgage
A stable mortgage option with consistent interest rates and payments over 15- or 30-year terms. Ideal for buyers seeking long-term financial predictability and equity growth. Our advisors help clients choose terms aligned with their financial goals.
Adjustable Rate Mortgage
Dynamic loans offering lower initial rates for 510 years, ideal for short-term homeowners. Caps limit rate adjustments after the fixed period. Suitable for clients planning to sell or refinance within the introductory term.
Jumbo Loans
Financing for high-value properties exceeding conforming loan limits. Available in fixed or adjustable terms with higher down payment requirements. Designed for clients purchasing premium homes in competitive markets.
FHA Loans
Low-down-payment mortgages insured by the Federal Housing Administration. Ideal for first-time buyers with flexible credit requirements. Includes options for home improvements and gift fund assistance.
VA Loans
100% financing options for veterans and active-duty personnel with no mortgage insurance. Allows funding of repairs up to 103.15% of home value. Streamlined refinancing available without re-qualification.
People
JJ Mack
Branch Manager
Mortgage expert since 2005 with Bureau of Real Estate License and ethics certifications. Leads with a focus on client education and relationship-building. Two generations in the mortgage industry.
Lisa Fink
Senior Processor
Ensures accurate documentation and timely closings. Brings title company experience to streamline loan processes. Known for reliability and attention to detail in mortgage processing.
Lindsay Boris
Loan Partner
Maintains client communication and coordinates loan requirements daily. Recognized for exceptional customer service and fostering client-referral partnerships through personalized interactions.
Emily Knieriem
Loan Officer Assistant
Supports loan operations with precision and dedication. Manages document collection and deadline tracking to ensure seamless client experiences. Known for humility and unwavering work ethic.
Rian Lombardo
Events & Marketing Specialist
Coordinates marketing campaigns and client events. Combines public relations expertise with creative strategy to enhance brand visibility. Active community volunteer and arts advocate.
Questions
What mortgage options do you offer?
We provide fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, reverse mortgages, and refinancing solutions tailored to your financial situation.
How does the 'Keys on Time' guarantee work?
If we fail to close your purchase loan on time due to our fault, we provide an $895 closing credit. Qualifying loans typically close in under 21 days.
Are you a direct lender or broker?
We operate as a direct lender through American Pacific Mortgage, eliminating third-party delays while offering competitive rates and faster approvals.
Can first-time buyers qualify easily?
Yes! FHA loans require as little as 3% down with flexible credit guidelines. Our team guides first-time buyers through every step of the process.
Do you service loans nationally?
While based in California, we offer mortgage solutions across multiple states including Oregon, Washington, Texas, and Florida with local market expertise.
