As a mortgage lender in Diamond Springs - Placerville, we are ready to assist with first or second mortgages, including FHA, VA, USDA, conforming, jumbo loans and REVERSE MORTGAGES (HECM). We can also help when you're looking to refinance to a lower interest rate, in danger of foreclosure or are seeking debt consolidation services. At each step of the way, we are here for you!
Call Stelzmiller Brokerage today at (530) 621-2222.
Call Stelzmiller Brokerage today at (530) 621-2222.
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My wife and I (Mary Ann) have lived in the Placerville area since 1988.
We raised four wonderful daughters here, been happily married for over 30 years, and love our friends and family that live in this beautiful community with us.
We opened our office initially on main street (Pleasant Valley Rd.) Diamond Springs, across the street from the Diamond Springs Hotel and Restaurant, in 2009.
Last year we relocated to our own building at 3080 Sacramento St. (Hwy 49), Placerville California 95667.
I have been licensed real estate professional for over 35 years, licensed in Arizona before locating here in the Placerville area in 1988.
We raised four wonderful daughters here, been happily married for over 30 years, and love our friends and family that live in this beautiful community with us.
We opened our office initially on main street (Pleasant Valley Rd.) Diamond Springs, across the street from the Diamond Springs Hotel and Restaurant, in 2009.
Last year we relocated to our own building at 3080 Sacramento St. (Hwy 49), Placerville California 95667.
I have been licensed real estate professional for over 35 years, licensed in Arizona before locating here in the Placerville area in 1988.
In many cases, lenders need a professional, independent appraisal of the property you want to buy or refinance to ensure that it is worth at least as much as they are being asked to lend on it.
If you are making a smaller down payment and have a lower credit score, the lender is going to be even more interested in making sure the property that will be collateral for the loan is worth lending the amount requested.
A professional, independent appraiser will usually visit your home and inspect its interior and exterior.
If you are making a smaller down payment and have a lower credit score, the lender is going to be even more interested in making sure the property that will be collateral for the loan is worth lending the amount requested.
A professional, independent appraiser will usually visit your home and inspect its interior and exterior.
There can be no question; getting a mortgage is a complex process.
You wouldn't be here on our site if you could complete a simple mortgage application and get an excellent loan funded in one day.
We do most of the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money.
This is a function of a couple things.
What kind of monthly payment are you looking for?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
You wouldn't be here on our site if you could complete a simple mortgage application and get an excellent loan funded in one day.
We do most of the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money.
This is a function of a couple things.
What kind of monthly payment are you looking for?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
Want to know if a home is still on the market, or if the price has changed?
We can help.
Simply fill out the information below and with no obligation to you we'll get back to you with your requested information.
We guarantee your privacy.
By checking the box, you agree that Stelzmiller Brokerage may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.
Message/data rates may apply.
We can help.
Simply fill out the information below and with no obligation to you we'll get back to you with your requested information.
We guarantee your privacy.
By checking the box, you agree that Stelzmiller Brokerage may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.
Message/data rates may apply.
An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD).
The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations.
Available to all buyers, FHA loan programs are designed to help creditworthy low-income and moderate-income families who do not meet requirements for conventional loans.
FHA loan programs are particularly beneficial to those buyers with less available cash.
The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations.
Available to all buyers, FHA loan programs are designed to help creditworthy low-income and moderate-income families who do not meet requirements for conventional loans.
FHA loan programs are particularly beneficial to those buyers with less available cash.
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