Specializing in sacramento mortgage, sacramento ca mortgage, sacramento real estate, sacramento ca real estate, sacramento refinance, sacramento home loan, sacramento mortgage loan

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Sacramento Mortgage

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Dear Neighbor,

My name is Joe Almirantearena. I want to thank you for taking the time to visit my website, where I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current Sacramento mortgage. I am a Sacramento Mortgage Consultant serving all of Sacramento, and the surrounding areas.

FREE Home Buying Guide Reveals The Insider Tips Big Banks Don't Want You To Know...
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Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their Sacramento mortgage.

Although sharing these secrets may not make me popular with the other Sacramento ca mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a Sacramento mortgage. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the Sacramento mortgage process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.

Sacramento CA Mortgage

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for a Sacramento refinance, you will find that this site is a complete resource full of insider secrets that will allow you to choose the Sacramento mortgage program best suited to your financial needs.

Sacramento Real Estate

I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the Sacramento ca mortgage you need for the home you want.

Sacramento CA Real Estate

Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my Sacramento office at 800-785-4952. I am here to help you with all your Sacramento mortgage needs.

Got a Quick Question You Want Answered Today?

Click the "Ask A Question" button below to send us a message by email or feel free to call my Sacramento office at 800-785-4952.

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Before you leave, make sure you review the California Home Buying Resources, Insider Reports and Sacramento Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.

Sacramento Real Estate Report:

I want to include an example of one of our FREE reports that can help you in considering just what type of home you want to buy:

Choosing a House that Fits You

Amongst the many things to consider when buying a home, one of the most important and sometimes overlooked factors is the actual house itself. Don't forget this is going to be the place you go home to every night, the place your kids will grow up in and always remember.

Before you start looking at houses, you need to ask yourself what it is you want out of a house. How long do you plan on living in it? Will you be living there temporarily while you save up for a better one or will this be the house you retire in? How many people are going to live in it? Will it be housing the Brady Bunch or the Odd Couple? How old is the house? How big is the house? The yard? How expensive is the house? These are just a few questions you need to ask yourself before you start looking for Sacramento Real Estate.

And it's not just the house you need to consider either; it's the neighborhood. A house is always part of a neighborhood and, just like a house, you need to ask yourself what you want out of a neighborhood. If you have children, you'll want to look into the local public and private schools. How are the parks and trails? What condition is the neighborhood in now? What condition will the neighborhood be in years from now? Is the neighborhood safe? How close is it to the places you need to go? Figure out what you want and then go from there.

If you have any questions about the home buying process, please don't hesitate to ask. We want to make buying a home as pleasant and stress-free for you so that you can focus on the more important things: the house and the neighborhood.

Updated Sacramento Real Estate Commentary:

I want to comment on several calls I've received in the last few weeks regarding the strength of the Sacramento real estate market.  Many of you have asked if housing prices have reached the bottom.  The fact is there is no one who has a magic ball and can say with any level of certainty what will happen in 2009.  My answer is simple, now is the time to buy.  Now I know that this phrase reeks of desperation, but today it really applies.  If you consider that housing prices have come down dramatically in the last 18 months, foreclosures are continuing to add to an already elevated number of properties for sale, lenders are updating their rates literally 2 to 3 times per day, and now interest rates are at rock bottom levels again, I'm not sure what else there is to wait for.  There is just too much instability in the market right now, to bet things will improve for buyers and those looking to refinance, any further.  If the price of goods and services rise in the economy next year, there is a good possibility that interest rates will also rise.  So, for all of these reasons, if you are considering buying a home or refinancing your current home, now is the time to do it.  Call my office at 800-785-4952, and lets get started!

We service clients statewide, including every city and town in California.  Sacramento CA Real Estate | Sacramento Real Estate | Sacramento CA Mortgage | Sacramento Mortgage

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What others are saying...
I would not hesitate to recommend Joe to anyone looking for an honest, ethical, hard-working Sacramento mortgage consultant.

Larry M. - Sacramento
Joe went above and beyond the call of duty when he helped my wife and I buy our first home. His offer to meet us after-hours and on the weekend to make sure we understood the process made us feel very comfortable. We will use him again for our Sacramento CA mortgage the next time we buy Sacramento real estate.

Bobby C. - Sacramento

Wonderful communication skills. Everything was excellent.

Rebecca T.
- Barstow
You were so easy to talk to and upbeat about everything. You made our first buying experience a pleasant and painless one. Thanks again for everything. You were an absolute pleasure to work with.

Pablo M. - Alameda
Every other Sacramento CA mortgage lender told me NO due to my previous credit issues. With Joe's help, I was able to qualify for a Sacramento mortgage.

Jane N. - Sacramento

Joe took the time to answer all of my questions and both Joe and his team were extremely professional!

Jeff J. - Bishop

We sold our home, but did not come out of it with any money to put down on a new home. Because new home sales are slow, we wanted to try to go ahead and buy the home we plan to keep forever, instead of just buying a starter home and having to move in a couple of years. I didn't even have enough credit to have a full set of credit scores, so we thought it was never going to work out. We called Joe and he got us into the house we wanted, with a payment we could afford, and not a dime out of our pocket to close. He really made us feel comfortable and helped through making such a large jump in the size of our home.

Megan L. - Encinitas

Thank you Joe, we have been blessed by you and we appreciate everything you have done. You were so patient with us through this process and always listened and answered our questions. Thank you again.

Stacey N. - El Cajon

Our Sacramento CA mortgage experience with Joe was the best we have ever had. He was very professional and addressed every concern we had along the way with a solid answer or solution. He went above and beyond what we expected out of a loan officer. I can honestly say I would be proud to refer my family & friends to him, as he will treat them with the same honesty and integrity he did for me and my family. Thanks again Joe.

Mitch W. - Folsom

Joe, everything went smoothly and I thank you for that. I am now the proud owner of a big fat debt (which came with a very cute condo)! And for all the help. And for the hand holding. Please tell Linda I appreciate everything you guys did to get me this place. You are truly the best.

Rhonda F. – Elk Grove

Joe, without you, this spring wouldn’t have seemed nearly as lovely. Thank you!

Virginia L. – Sacramento
I know that with the limited time you were given it was not easy. I wanted to personally thank you for making it happen and working so hard. When we finally closed, we kissed the ground in front of our new home. We will never forget your hard work and if any of my friends or family ever need a loan officer, I will give them a glowing recommendation.

Gerald P. - Florin

Finally, a sacramento mortgage professional that knows what he's doing!  Several years ago, I worked with a sacramento ca mortgage agent that my realtor recommended, to buy my first home.  He told me to get an adjustable rate mortgage because of the lower interest rate.  That decision was the worst thing I could have done, and I've been paying for it, the last 3 years.  The refinance we just finished saved me more than $200 a month, and now I can keep my home.  Thank you so much for all your help and guidance.

Kent G. - West Sacramento