MORTGAGE SERVICES

Understanding the mortgage process can be confusing in today's environment. We pride ourselves on educating our clients on the various ways of selecting the best program to meet their financial goals.

Partnering with the nations leading lenders such as:

Homecomings Financial
Sierra Pacific Bank
Flagstar Bank
Citi Residential Mortgage
World Wachovia Bank
Reunion Mortgage
Wells Fargo Bank
Washington Mutual Bank
Countrywide Bank
First Horizon Wholesale
Metwest Commercial
Wilmington Financial
Luxmac Funding

provides us the ability to find you the best loan program for your specific needs.

Purchasing or Refinancing

We specialize in No Point, No Closing Cost loans for all of your purchasing and refinancing needs. We will educate you on how we are able to cover your closing costs without adding them onto your loan!

Through our contacts we are able to offer you every type of loan program in the country:

100% Financing
Refinance
Fixed Rates & Option ARMs
Equity Lines, Loans & Seconds
Debt Consolidation
30, 40 and 50 Year Loans
Interest Only
Lower Rates

Mortgage Calculator

Use this handy calculator to compare different terms and amounts:

Years:	Interest:	Loan Amount:
Annual Tax:	Annual Insur:

Monthly Prin + Int:
Monthly Tax:
Monthly Ins:
Total Payment:

Pre-Qualifying Worksheet
Here is a form you may email back for consultation and pre-qualification.

			Pre-Qualification Form

E-MAIL US - To learn more on how we combine the process to save you time and money.



	We can share with you the special but time-proven strategies to save you money!

	Request no-obligation information by clicking on the button below.


Ken Leatherbarrow Broker/Owner CA DRE Broker Lic. #00474745 Direct/VM: 916-531-1520 ken@realestateandmortgage.com	Greater Sacramento Area Office San Jose/Francisco Bay Area Office Office: 800-536-1560 Fax: 888-400-5920	Merry Leatherbarrow Broker/Owner CA DRE Broker Lic. #01095739 Direct/VM: 916-206-1538 merry@realestateandmortgage.com

PLEASE REVIEW OUR PRIVACY POLICY AND TERMS OF USE
Specific programs may have qualifying factors such as... income, credit, loan to value ratios, length of employment, property type, etc. Please call (toll free) 800-536-1560 to describe your personal situation and ask for details. Rates and program guidelines are subject to change.