I have been helping people finance new homes and investment properties for the past 20 years in Sacramento, Bay Area, and Del Norte County. I ask the right questions up-front, such as if the member will be retiring soon, if it's their first home purchase and if they plan to sell, or leave the home to their children. By finding out the members end goals, it helps me get them the best loan for their long-term needs. I want members to feel good about the process and their loan choice. I made the decision to go into mortgage lending after a friend of mine refinanced my home. I didn't feel very informed throughout the process and ended up with a costly loan that was not right for me. Now, with my industry expertise, I know I can guide members to the best loan that makes the most financial sense for them. A common misperception people have is that they need a large down payment to purchase a home. I worked with a woman who had a great job, but was not able to save for a 20% down payment. It was her dream to raise her 3 children in a home that was stable. Within five weeks of working with her, and her finances, I was able to hand her keys to her new three bedroom, two bath home with a big back yard for her children. My husband and I have four children of our own, as well as two adopted children. My family and I support various cancer organizations, and donate our time and resources whenever possible since we lost our friend to cancer several years ago. I know how valuable time with your family is, and I'd love to help you make the most of it in a new home. Brandee Stephens NMLS# 502317 https://www.summitfunding.net/lo/bstephens Brandee.Stephens@summitfunding.net 3620 American River Drive, Suite 150 Sacramento, CA 95864 Branch NMLS ID# 472819 Direct (916) 956-3686 Summit Funding, Inc. NMLS ID #3199 (www.nmlsconsumeraccess.org) Licensed by CA Dept of Business Oversight #6072526, CA Bureau of Real Estate #01220358, AZ Lic# 0925837, GA Lic# 39456, Illinois Residential Mortgage Licensee. An approved equal housing lender.