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US / CA / Modesto
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NorCal Mortgage

Address: 1127 13th St A, Modesto, CA 95354 Get Directions

Services & pricing

Average price range
ServiceDetailsPrice
Home Purchase Loans Fixed Rate Mortgage $2000 - $3000 Call to Book
Adjustable Rate Mortgage $2500 - $4000 Call to Book
FHA Loans $3000 - $5000 Call to Book
Mortgage Refinancing Rate and Term Refinance $1500 - $3000 Call to Book
Cash-Out Refinance $2000 - $4000 Call to Book
Streamline Refinance $1000 - $2500 Call to Book
Pre-Approval Services Credit Analysis $50 - $150 Call to Book
Income Verification $50 - $100 Call to Book
Debt-to-Income Ratio Assessment $50 - $150 Call to Book
Loan Management Payment Schedule Creation $100 - $250 Call to Book
Loan Consultation $100 - $300 Call to Book
Loan Modification Assistance $200 - $500 Call to Book

What people love

From reviews
Professional staff Great communication Quick turnaround Courteous service Patient support Experienced broker Responsive team

About this business

About NorCal Mortgage

NorCal Mortgage is a boutique online mortgage broker that leverages relationships with top wholesale lenders to offer a wide array of mortgage products. They cater to first-time homebuyers, investors, and those seeking to refinance, aiming to provide a personalized experience that larger institutions often lack. Their core mission is to connect clients with competitive wholesale mortgage rates, making the home financing process accessible and efficient. They emphasize their role as a trusted partner, guiding clients through various home financing needs.

Credibility and Trust

NorCal Mortgage operates as a full-service independent mortgage broker, providing clients access to competitive wholesale rates. They highlight their experienced staff and commitment to excellent communication and accessibility. The company's NMLS number is 1629802, and they adhere to Equal Housing Opportunity principles. Client reviews and testimonials are prominently featured, underscoring their focus on customer satisfaction and building trust within the community.

Offerings and Services

NorCal Mortgage offers a comprehensive suite of mortgage services, including options for buying a first home, purchasing investment properties, and refinancing existing loans. They provide access to hundreds of mortgage products through their network of wholesale lenders. Key services include pre-qualification, mortgage calculators, and various loan options tailored to individual needs. They also facilitate online applications for a streamlined process, aiming to cover all aspects of home financing for their clients.

Unique Advantages

NorCal Mortgage distinguishes itself through its boutique, online-first approach, offering a broad range of mortgage products from numerous wholesale lenders. They emphasize personalized service, competitive rates and fees, and a commitment to client success. Their accessibility and focus on communication aim to simplify the often complex mortgage process for their customers.

Frequently asked questions

7 questions
Is NorCal Mortgage good for first-time buyers, and what do reviewers highlight?
Clients frequently praise NorCal Mortgage for their supportive approach, especially for first-time buyers. Reviewers mention the team's patience and guidance through the home buying process, highlighting the assistance provided by Sal Sanchez and his team.
What services does NorCal Mortgage provide for home purchasing?
NorCal Mortgage offers a variety of home purchase loans including Fixed Rate Mortgages, Adjustable Rate Mortgages, and FHA Loans. They cater to diverse financing needs, ensuring clients find suitable options.
What do clients say about the communication and support from NorCal Mortgage?
Reviewers consistently commend the team's excellent communication and professionalism. Many clients, including those working with John Sandoval, noted the quick turnaround and thorough support throughout the mortgage process.
Can I get a pre-approval from NorCal Mortgage, and what does that involve?
Yes, NorCal Mortgage provides pre-approval services that include Credit Analysis, Income Verification, and Debt-to-Income Ratio Assessment, helping clients understand their borrowing capacity effectively.
How does NorCal Mortgage assist with refinancing options?
They offer various mortgage refinancing options, including Rate and Term Refinance, Cash-Out Refinance, and Streamline Refinance, allowing clients to choose the best fit for their financial goals.
What loan management services does NorCal Mortgage offer?
They provide comprehensive loan management services, including Payment Schedule Creation, Loan Consultation, and Loan Modification Assistance, ensuring clients have the support needed throughout their mortgage journey.
Where is NorCal Mortgage located?
1127 13th St A, Modesto, CA 95354

Meet the team

1 member
Chris Johnson
Chris Johnson
President

Location & directions

Modesto, California
NorCal Mortgage
Mortgage Broker
Address
1127 13th St A, Modesto, CA 95354
Hours
Closed Now
NorCal Mortgage Reviews · 5.0 average
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