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 (299)

2 days ago

Daniel Rossi recommends Wendy Sohl

Veteran/First Time Home Owner

My professional relationship with Wendy began in February of 2017. When many other Loan Originators would not work with me due to past credit issues, I had almost given up on my dream of becoming a homeowner. That is until one fateful day, I stepped into Wendy Sohl's office. That turned out to be one of the best decisions I have ever made. From day one, Wendy was a consummate professional, yet also highly personable. While the path to home ownership is often a daunting one, Wendy was there with me every step along the way. She provided me with a plan of action, which facilitated my path to home ownership. Most importantly, I could tell that Wendy truly cared. I never once felt like just another loan applicant. Wendy kept me updated throughout the entire loan process. I never felt out of the loop. The most impressive thing about Wendy is that although she is a seasoned professional and master of her field, she continues to strive to learn more, in order to better serve her clients. Throughout the process of closing on my home, we encountered some challenges that were new to both of us. We overcame those challenges together and Wendy has used those experiences to better serve her future clients. I truly felt that Wendy was in my corner, and I just can’t tell you enough how indispensable that is when you are undergoing such a life changing process. If you are looking for a consummate professional who doesn't look at you as just another client, and who constantly has your best interest in mind, Wendy Sohl is the Loan Originator for you. I would recommend no other.
Oct 2, 2017

Kamie Long recommends Craig Mitchell


Craig Mitchell made purchasing a home a great experience. I never lost the thrill of purchasing my home due to hastle or headache. He guided me through the entire process and dotted every i and crossed every t so that I had all the documents ready for submittal. I highly recommend Craig and will continue to return to him for any additional needs I have in the future.
Oct 2, 2017

Shanell Brumfield recommends Craig Mitchell

As a first time homebuyer, there is always a little bit of fear and apprehension around finding a home. Craig helped alleviate some of this by being patient and informative. Craig was always there to answer questions and provide clarity for me. He was definitely a great resource and I would recommend him to anyone that is looking into finding the best financing options for your home.
Sep 27, 2017

Rainbow Kong recommends Cassandra Leisure

HR Specialist

Cassandra and her team at Cherry Creek are rockstars! The entire home buying process was easy, smooth and seamless. She was super responsive and was able to answer all of my questions thoroughly and ensured every deadline was met. I highly recommend Cassandra for anyone looking for a Loan Officer to close their home on time.
Sep 26, 2017

Gail Lindhorst recommends Arlene Disessa

Realtor, Allison James Estates & Homes

Arlene is one of the hardest working Loan Officers I've EVER worked with! She's ALWAYS available for my clients, even evenings and weekends! She's knowledgeable about a wide variety of programs to help a wide variety of buyers. And, she's willing to go the extra mile and really work with credit challenged Buyers to help them achieve their goals. From my perspective as a Realtor, it's absolutely HUGE that she's willing to work Open Houses with me on the weekend so she can help new Buyers immediately. Arlene is just an AWESOME person and Loan Expert.
Sep 26, 2017

Brian Steffes recommends Todd Collins


Todd Collins was great to work with! Very honest guy.. He was actually out for my best interest and was available everytime I had questions about the process and what was next. Thanks again Todd!
Sep 25, 2017

Melissa McDaniel recommends Doug Hooten

Doug was very informative and knowledgeable about refinancing. He stood by us getting the funds we neeeded to do the things needed to keep our house up to date and to see that it would be comperable to other houses on the market. I would highly reccommend Doug in a heartbeat to family and friends in the market for either a refi or even first time buyers. Thanks Doug for a job well done
Sep 23, 2017

Eng Heng recommends Jim Chabrier

Eng Heng

Jim really good in loan!. We have 3 home loans from and paper work not easy to loan but he can do it he is supper!. We really love and appreciate his time and his head work . Thank you jim Chabrier
Sep 22, 2017

Nader B recommends Arlene Disessa

Claims examiner

Arlene did an outstanding job getting the loan closed way to
go team.
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

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