Mortgages & Lending

When you work with a real estate agent from CARLILE Realty & Lending to find a new home, you’ll enjoy having a partner who’ll introduce you to new neighborhoods, housing options and floor plans. Our real estate agents are simply the best of the best, and they’re standing by to help you find a new residence you’ll love for years to come.

Your agent won’t just be by your side as you’re looking for a new home. Your real estate agent will also stand beside you when you apply for a mortgage. As you can tell from the name of our business, we offer lending services as well as real estate services in one convenient location. Whenever you’re searching for real estate and mortgage experts who can help you realize your dream of being the owner of a new home, your destination should be same – CARLILE Realty & Lending.

Our Residential Mortgage Services

When you work with CARLILE Realty & Lending, you won’t have to be concerned in any way as you apply for a mortgage and your application is processed. We’ll make sure you’re familiar with the process and that you’re prepared for it by explaining what you’ll need and what you should expect.

Our talented team has been helping current and prospective homeowners secure mortgages since we opened our doors for the first time way back in 2005. Whether you’re buying a home for the first or fifth time, we’ll use our skills to match you to the best home for your budget.

While knowing how to apply for a mortgage is helpful, we’ll do more than explain the process to you. We’ll walk you through the process step by step to ensure you secure financing with the most affordable terms currently available given your unique situation and the state of the market.

About Our Home Mortgage Loans

As a broker, we’re able to offer several kinds of mortgages. No matter which kind of home mortgage you want to apply for, the application process will be the same. Here are the kinds of mortgages we work with every day:

  • FHA: An FHA loan is often the way to go if you have a poor credit score. FHA loans only require a down payment of 3.5 percent.
  • Conventional: To be approved for a conventional loan you need to have good credit and be able to put down at least three percent.
  • VA: A VA mortgage has no minimum credit score requirement, but you must be a military veteran or an active service member to apply.
  • USDA: People who plan to buy in a rural location or an area approved by the USDA might qualify for a USDA loan that requires no down payment.

Work with CARLILE Realty & Lending to Secure a Home Mortgage

At CARLILE Realty & Lending, we’re committed to helping our clients find and finance homes they’re going to love for years to come. That’s why we work so hard to help our clients secure affordable home mortgages, and it’s also why we work with trusted, proven lenders exclusively.

We take our work personally because it is. When you choose to work with us, you’ll gain a partner you can count on – a partner that will be by your side from the time you begin your search for a home to the moment we’re able to hand you the keys to your residence. Contact us to schedule a consultation to find a new home in Sacramento, Fair Oaks, Carmichael, Davis, Roseville, Elk Grove, Folsom, Granite Bay or San Joaquin County today.