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 (319)

3 days ago

Christopher Miller recommends Patrick Kelley

Corporate Sales Manager

Patrick Kelly made the process easy. Patrick went out of his way to limit the work on my end. Very appreciated.
3 days ago

<Mike White recommends Patrick Kelley

Real Estate Agent

Please be assured that it is a pleasure for me to write a recommendation for Patrick Kelley. He is a terrific gentleman who truly cares about his Clients and will make every effort possible to provide helpful guidance and needed assistance.

For example, I have had two Clients who turned to Patrick in their time of extreme need. Both of them had worked with others who were truly unable to perform to their satisfaction. One was a former Veteran who was trying to refinance his home as well as obtain a loan for a new home. Patrick was outstanding in his due-diligence and never-ending care.

My other Client was approximately two weeks away from losing his home. Patrick carefully listened to the concerns and immediately addressed their needs in order to remain in the home.

Patrick has also helped a number of other Clients while at the same time working on behalf of our homeless Veterans. He serves on the Board of Directors for the Sacramento Stand Down Association which is dedicated to restoring dignity to those who have served our country and now need a hand up and not a hand out.

I heartily recommend Patrick for whatever your needs may be. He listens with great attention to detail and performs well above the standard efforts whether it is providing mortgages for homes or providing assistance to the homeless Veterans.
3 days ago

Carina Walker recommends Cassandra Leisure

Child Care

I honestly can't say enough great things about Cassandra. Our story of buying a home is long one, but thankfully we ended up in the hand of Mrs. Leisure. Since this was our first home purchase we didn't know what to expect. Cassandra assured us that all would be okay and she would do what she could to get us into a Home. It was a world Wind of a few months maybe longer but the whole time I could call with any and all questions and she was there with a quick reply...even contacting while on a family vacation!! That was huge for us! I would recommend her to anyone on the home buying path. She's amazing!
Jan 10, 2018

Kelly medina recommends Patrick Kelley


Patrick is a pleasure to work with.He explains in detail the process of going through a residential loan. His followup and communications through the entire process put me at ease. I was a first time home buyer.
I would recommend him to all my family and friends without any hesitations
Jan 8, 2018

Roy Walkenhorst recommends Patrick Kelley


Patrick Kelley was invaluable in securing a loan for our home. He was especially good at helping us respond to information requests from the lender since those requests are frequently made in undecipherable legalese. He made sure we quickly and concisely provided exactly the information being requested. He was also a source of positive reassurance in a process that is often frustrating and difficult. In the end we had an excellent outcome and we credit Patrick with being a critical part of that happy result.
Jan 7, 2018

Ezra Kaya recommends Patrick Kelley

Senior Buyer

Patrick made the entire process of my home purchase easy and comfortable. I am a single mom purchasing my first house, which was really scary for me. He and his team are in constant communication through all aspects of the buying process. He made sure I understood what everything meant. I will be using him again and recommend him highly.
Jan 7, 2018

Judy Brooks recommends Patrick Kelley

Executive Producer

We worked with Patrick Kelley to get our home loan. We had been working with Quicken Loans and it was taking weeks, so when Patrick said let me help you get this done a little faster with anothr lender we said okay. He got involved and we had our loan quickly approved. He was there with us every step of the way, he helped with the title company and with all of our Paperwork. We were impressed at how available he was to us. We closed on the house in 30 days. Highly recommend Patrick, his positive attitude really made things so much easier. He is very solution orientied. We are now selling that house and Patrick is handling the loan on our next home. He is very easy and pleasant to work with during what can be a stessful time.
Jan 6, 2018

Nancy Jacobs recommends Patrick Kelley


I want to thank you so much. You made the process so smooth. I have recommended you to my sister. We are so happy in our new home.

Jan 2, 2018

Randell H. recommends Cassandra Leisure

State Employee

Cassandra has done an amazing job helping throughout the entire home purchase process. She was very informative, knowledgeable and prompt at every step of the way. Her customer service skills were out of this league and we were treated with tremendous respect. I'd recommend any and everyone to do business with her. We look forward to making future transitions with her!
Dec 26, 2017

Andre Cawthorn recommends Cassandra Leisure

Safety Trainer

I was very impressed with the job Cassandra Leisure (last name should be Expeditious) and her staff did to make my first-time home buying experience a success. Not only did she make the process easy to understand; she made it happen very fast.
I was naturally pessimistic due to the horror stories I have heard from peers (who obviously did not use her services) but she helped me out with various loan options and assured me based on all of the information that I provided everything will be fine.
I am very happy with your services Cassandra and I have already recommended some friends to you.
Once again thank you for your professionalism and making this transition easy for me and my family.
Dec 25, 2017

Balinda Alexander Hayes recommends Cassandra Leisure

Cassandra is amazing! She was so patient with us and always made herself available. She is very knowledgeable and has educated us every step of the way.
Dec 22, 2017

Afiya B recommends Cassandra Leisure


Cassandra is very pleasant to work with and knowledgeable about home loans. She will provide you with guidance on the best loan that works for specific situation. You can call and text her anytime and she will respond in a timely manner. My loan process was very smooth....thanks Cassandra and her team!!
Dec 22, 2017

Christopher Brown recommends Cassandra Leisure

Owner/Director of Opperations

Cassandra made the loan approval process easy. By emailing and using Docusign it made the process go by quickly. All the paperwork was simple and made sense. I recommend Cassandra Leisure with Residential Home Loans for anyone buying a home. My Mother is a Real Estate broker and she recommends Cassandra as well!
Nov 20, 2017

Richard Saltzman recommends Jeff Goble

Independent Real Estate Broker

Jeff is very knowledgeable and responsive and was a pleasure to work with in closing my buyers' purchase. His team is also on the ball and managed to work around some issues encountered in the loan approval process. I would highly recommend him to anyone doing a home purchase or refinance!
Nov 17, 2017

Teresa Wolf recommends Craig Mitchell


Craig was gracious enough to talk to us while he was on vacation. He explained in detail the entire process to us. He made sure to answer all of our questions and made sure we understood the information provided to us. With his help and expertise, we were able to close on our home in a month.
Nov 13, 2017

Cynthia Cruz-Maduro recommends Craig Mitchell

Registered Nurse

We just purchased a house last month, and Craig Mitchell was our loan officer. Craig did an excellent job in helping us get a home loan. He made everything easy for us. He patiently explained every step of the process to us, and he updated us whenever something came up. We were ahead of our closing schedule because Craig was on top of everything. We never had any problem with our loan application. We highly recommend Craig Mitchell.
Nov 13, 2017

Anonymous recommends Jeff Goble

State worker

Jeff helped me and my wife with the preoces of buying our he. From the first appointment to closing it was fast and easy. If you have any questions you can call him anytime and he’ll answer them for you. Jeff made Buying a home possible and he looks into all options to make sure he gets you the right loan.
Nov 10, 2017

Alina Munroe recommends Craig Mitchell

Contact lens Tech.

Craig very efficient and was able to get our loan done in record time! Awesome job
Nov 2, 2017

Debbie wing recommends Residential Home Loans


I had a difficult challenge in getting my credit history corrected as there were inaccuracies. Mary Jane guided me through the process and kept me informed all through the process of prequalification, underwritering and finally funding!! Today we are sitting in our wonderful home and are so grateful to Mary Jane for her knowledge and constant support.
Nov 1, 2017

James Champlain recommends Craig Mitchell

Home buyer

I appreciate the professionalism of Craig Mitchel, He was extremely fast and very efficient. I will recommend Craig to all my friends and family.
Thanks Craig for your excellent services! - James
Oct 17, 2017

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.

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