WHO WE ARE: We are a Mortgage Loan Origination team focused on helping homeowners buying, investing and refinancing throughout California. We are located in Folsom and specialize in Sacramento, El Dorado, and Placer Counties. As a direct lender, we have access to a wide range of products including: FHA, USDA, VA, Investor, Conventional, and Private Money Loans. TEAM IS IMPORTANT: We partner with seasoned Realtors, Financial Planners, Divorce Attorneys, and CPA's to help them provide solid advice to their clients. If you are looking for a professional team that you can trust, give us a call, and we'd be happy to help as well as refer you. If you are looking to improve your credit, you've come to the right place. We'll help you get ready to buy after a Bankruptcy or Foreclosure. HOW WE CAN HELP YOU: Due the the many changes that continue in the mortgage industry, Full Underwriting Approval is more important than ever. Many of the larger banks still just take a loan application over the phone, run a credit report, and give a pre-qualification letter. Because the loan does not have full underwriter approval issues do not show up until once the borrower is in contract. It is too late because the loan can be delayed or even denied. As you can imagine, this can cost money in lost deposits or agony as the home of their dreams slips out of reach. In order avoid loan problems (surprises), our team gets all information up front, reviews the file thoroughly and then submits to underwriting for a full approval. Contact Us: (916) 985-3200 or email at kfritz@IronPointMortgage.com WE CARE: We take the time on every loan and have the empathy and care that personifies the Golden Rule. Let us show you what getting a loan should be like. SPECIALTIES: First Time Homeowners, Business Owners, Investors, FHA, VA, Conventional, High Balance, Conventional, Private Money, Zero Down Loans, Low-Down Payment Loans, Military Veterans Loans, Active Duty Military Loans, and Down Payment Assistance for moderate income families.