Residential Home Loans

Residential Home Loans can help you finance your new home. Our friendly mortgage specialists offer several programs tailored for California homebuyers who are qualified and eligible, including FHA, VA, and USDA loans, as well as first-time homebuyer and down payment assistance programs. (County-specific income limits apply and change frequently. Call us for details.) If you are ready to fulfill your real estate dreams, the experienced and knowledgeable Residential Home Loans team will help you finance your new home in just three easy steps


Recommendations (290)

Sep 12, 2017

Deborah Sickel recommends Jim Chabrier


We are very greatful for Jim and his hard work to help us secure our dream home. He worked quickly to help is close and move in all within a few weeks of us finding the property perfect for our family. We are extremely greatful!
Sep 5, 2017

Jeff Silva recommends Doug Hooten


I would highly recommend Doug for the job! He most recently helped a client of mine purchase a home. Doug kept everyone informed every step of the way and we were able to close escrow ahead of schedule. Our client in common signed in the morning and escrow closed later that afternoon. Great Service!
Sep 5, 2017

Rashon Newsome recommends Arlene Disessa

Secretary, US Air Force

Arlene has been a tremendous help with the lending/buying process! Our previous home was a new build so we weren't aware of the many different scenarios present in a resale market- a wildly competitive one at that! Regardless of the day or time she's Very responsive, patient and knowledgeable to all needs and questions. We look forward to closing in on a home soon and feel confident the lending process will go smoothly based on Arlene's professionalism.
Sep 1, 2017

Erika Sembrano recommends Jeff Goble

Jeff was upfront and honest with me from the start about the home loan process. As a first time home buyer, I was completely in the dark about everything, especially from the loan standpoint. Jeff was kind, patient, and clearly knowledgeable. He answered each and every one of my many questions. Escrow ended up being quite smooth and quick, which was the cherry on top of this experience. In a heartbeat, I would recommend Jeff to others who are thinking about purchasing a home. Thank you Jeff!
Sep 1, 2017

Andrey Zhuravel recommends Doug Hooten


I have done more than one deals with Doug. My biggest issue with most lenders is communication, but with Doug it's never a problem. He is professional, prompt, and does great work! Highly recommend!
Aug 11, 2017

Phillip Schon recommends Craig Mitchell

Software Specialist

Craig and his staff just helped me get into my first home. I couldn't be happier with him and his team. Craig was ready for all the questions I threw at him and was always very prompt. I will definitely be using him again when its time to upgrade to my second home. I strongly recommend Craig for any mortgage service you may need.
Aug 7, 2017

Jessica Waterford recommends Craig Mitchell

Client Services Counselor

I strongly recommend Craig Mitchell. If it were not for Craig, I would not be a home owner today. He gave me clear step by step instructions telling me what I needed to do to get pre-qualified. Buying a home can be overwhelming, but Craig followed up with me the entire process. My experience working with Craig leads me to believe he is THE BEST at what he does!
Jul 22, 2017

Sydney Carlson recommends Wendy Sohl

I highly recommend Wendy! She is easy to communicate with and very responsive to any questions you might have. Wendy gets the job done in a timely, professional manner with great attention to detail. She made what could have been a stressful process so pain free for me! I'm so glad I chose Wendy, and I would recommend her to anyone!
Jul 21, 2017

Jeanna Harless recommends Cassandra Leisure

Loan Processor

Cassandra and team did a great job and made the process very smooth.
Jul 19, 2017

EdwardS recommends Residential Home Loans

Retired Military

Mr. May,

After unpacking the last box (#59) yesterday and feeling my best after packing up and moving three separate households, mine to my sister's garage, moving her in to her house, and moving my household from her garage to 4844 XXXX Drive.

Thank You for accepting my offer to purchase the residence at 4844 XXXX Drive, Sacramento, CA

Kevin Sykes is TRUELY responsible for making the process happen. When I first approached Residential Home Loans and met Kevin for the first time, I knew that I had made the correct choice in selecting Residential for my mortgage.

Kevin and I explained our positions and determined the parameters by which I would accept a mortgage loan from Residential.

After many meetings and conversations, calls from Kevin on mornings and late evenings, I tried to modify my position, but Kevin held me to my original request which later we both felt was best for me. Wanting a house I couldn't afford was not reality.

After too much frustration, I decided to suspend (stopped) my quest for a home purchase and with a recommendation I decided on a mobile type home that I could afford, but the same problem I had with Condos, came up with Mobiles, HOA/Property Rent Fees.

After a conversation with an acquaintance who is a VA councilor at Mather Field, I was convinced that the VA (no down) was the best way for me to afford the home I wanted. Kevin and I discussed the VA option at our first meeting, agreeing that was the only way I could stay with my original payment limit with no down, except for Title/Inspection/Closing, which I could accept.

My sister introduced me to an Agent friend, Angela, and just as I had totally accepted Kevin's advice and guidance, I trusted Angela.

No particular house interested me as much as 4844 XXXX Drive, even though we had viewed many in all areas. Angela issued a statement to me: "This is your house." I replied that I would believe it when I had the keys to the front door!

The Kevin team, Cassandra, Roxanne and Piper went to work at Residential Home Loans and after more confrontations by me, we were able to achieve the acceptable figures.

Mr. May, I am very Proud that I was able to have Kevin Sykes at Residential as my Mortgage Agent. I do not honor praise that is not earned!

Kevin earned my Praise! Cherry Creek Mortgage is fortunate to have Kevin in their employ in Residential.

Thank You Kevin for allowing Angela to hand me the keys to 4844 XXXX Drive. Edward S
Jul 17, 2017

Sean Thomas recommends Craig Mitchell

Realtor and Founder, ShowMeNow App

I've known Craig for over 10 years now. He is the person I send clients to to get the job done! He is professional, patient and truly enjoys helping others **My client's words!** I highly recommend Craig should you need a residential home loan and/or mortgage service.
Jul 13, 2017

Patrick Salimi recommends Cassandra Leisure

Founder at Market Vital

We met Cassandra through a mutual friend and decided to work with her for our home loan right away. Her energy, knowledge and enthusiasm was obvious from the start.
We were further impressed by her ability to quickly resolve issues and even clear snags that were caused by our mistakes in the process. We were very appreciative as she made my wife and I feel like we were the only clients she was working with.
To top it all she closed the deal one week early!
I would not hesitate to recommend her and her team to everyone I know.
Jul 12, 2017

Stephanie Roberson recommends Cassandra Leisure

First time home buyer, and Cassandra did a great job breaking everything down and putting the process into layman's terms! She was always available when we needed help. Seems like she works 24/7! Would definitely recommend to any one looking for a loan officer
Jul 12, 2017

Rynell Dixon recommends Cassandra Leisure

Sr. Configurations Analyst

Cassandra and team did an OUTSTANDING job handling an aggressively quick closing on my home with ease!!! I will definitely look to use their service in the future and would HIGHLY RECOMMEND them to others!!
Jul 9, 2017

Christopher Pech recommends Randy Cowen


Randy was great to work with. We were purchasing our first home and had no idea what we were doing. Randy walked us through every step and made us feel a lot more confident and a lot less stressed. He is easy to talk to and has an answer for every question. I would definitely recommend him to anyone I know.
Jul 5, 2017

Suzanne and Bryon Lashley recommends Jeff Goble


It's official, we're homeowners!! Thank you Jeff Goble, and his amazing team for making the financing process a smooth, and quick process. Jeff was always responsive, pleasant, knowledgeable, and provided exceptional advice! Thank you, Jeff!!!

The Lashley's
Jun 30, 2017

Eugene Standfield recommends Craig Mitchell


Craig and his staff just refinanced my mortgage on my home in Morada, California. All aspects of the process were handled professionally and quite quickly. Craig kept me informed each step of the way. I would highly (emphasis added) recommend him!
Jun 28, 2017

Oscar Valles recommends Craig Mitchell

Sr. System Administrator

This being my first home, I expected a very lengthy process after speaking with friends on their experience with a home purchase. They obviously didn't work with Craig because he helped me through the entire process and was transparent and easy to work with. I am recommending Craig to all my friends if they are looking to purchase their next/first home.
Jun 23, 2017

Traci Lin Schrader recommends Doug Hooten

Contracting Officer's Representative (COR)

I truly do not know where to start.

I met Mr. Doug Hooten at an open house I just happened to pop into and he made a concentrated effort to connect with me as a disabled Veteran. I decided almost instantly that he would be an excellent choice as my loan officer. True to my hunch, he was wonderful. Professional, encouraging, driven to guide me through some credit improvement tasks to get me the best deal (very competitive rate) I could get and a home that myself and my fiancée love. Doug and his Residential Team (Piper) navigated the ups and downs of the home buying experience like the true professionals they are and I could not be happier. We have already begun to tell anyone who is looking to purchase a home that I know exactly where they need to go.
Jun 19, 2017

Thelma Penney recommends Craig Mitchell


I can be hard client sometimes, and I know that I can be really annoying with all the constant questions when I'm not sure of something even if I already know the answers I still needs to be re-assured. Craig has been very patience with me, re-assuring and knowledgeable to what he does, and will definitely look for loans options suitable to your situations.
What really stands out was the manner he answered all my questions in a calm manner. I would highly recommend him to all my friends and will be doing business again in the future.
Jun 15, 2017

Julie Juliano recommends Wendy Sohl

Realtor with Nebilak & Associates Real Estate

With 17 years in this business I can 100% say you won't be disappointed with Wendy's level of professionalism, knowledge and customer service. She promptly returns calls and is always in constant communication during the entire process with updates and status. She handled the loan for buyers on one of my listings and was totally impressed. In addition, she has a great personality and sense of humor making the process much more enjoyable. If you are looking for a top notch lender Wendy is the person for the job!
Jun 14, 2017

Jay Leach recommends Craig Mitchell

Police Officer

Plain and simple, Craig Mitchell was the most honest, professional and knowledgeable person I have ever dealt with in the mortgage industry. Prompt on returning phone calls with a can do attitude. Craig helped me purchase the home meant for my future grandchildren. Thank you again Craig and God bless you and your family.
Jun 7, 2017

Sandra Nino recommends Cassandra Leisure

Phone Banker

I highly recommend Cassandra and her team at Cherry Creek, she is very professional and straight forward on things you need from the beginning. She made my first time home buying experience seamless and walked me through it all. I still can't believe it only took a few months from the time she approved me for a loan and today I am living in my new home. Thank you so much Cassandra and team, you're the best!
Jun 2, 2017

Kingston Haflich, Kathryn; Connie Haflich recommends Cassandra Leisure

Home Owners

Team Leisure did an outstanding job, working tirelessly through the refinance of our home. We needed to refinance and pay off all of our high interest credit and some negative items that were on our credit report. Kathryn also had student loans in default and they were able to help us get those out of default and get them resolved. They were amazing, Very patient and caring, when we got frustrated and thought about giving up they encouraged us to hang in there. All of the team were great but Piper Bernstein was our outstanding shining star. Her mother passed away during the refinance but despite her loss she was there for us in every way with encouragement, if we had questions she knew the answer or found out if she didn't. I have given recommendation to all those I know who are in need of real estate issues. I am so grateful to all of them for all their hard work and understanding our needs and helping us get on the road to saving our home. I honestly believe if it weren't for Team Leisure we would have lost our home. God Bless.
May 30, 2017

Curtis Ballard recommends Cassandra Leisure

Cassandra is AMAZING! She was able to close our escrow FAST!! I highly recommend her for your mortgage needs! She is thorough and gets things done fast!
Thanks Cassie!

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