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MORTGAGE GUIDANCE
Clarity for
one of life's biggest decisions
Helping California homeowners and buyers make confident financial decisions with strategy, transparency, and personal guidance.
GUIDING YOU HOME
MY APPROACH
Personal Guidance
Every step of the way.
Buying a home is personal, and your mortgage experience should be too. From our first conversation through closing, you'll have direct access to me. No assistants. No handoffs. Just honest advice, proactive communication, and financing designed around your goals.
A NOTE FROM RACHEL
A home is more
than a loan.
It represents your future, your family, and everything you're building.
I believe in clear advice, thoughtful strategy, and treating every clients mortgage like it's my own.
-Rachel Fransen
EXPERTISE
Solutions for where you're going
Conventional, Jumbo, FHA, VA, USDA, Down Payment Assistance Programs - We've got it all! I specialize in matching you with the best loan for your financial goals.
Great for getting rid of that mortgage insurance, lowering your interest rate, cashing out to do some renovations, or consolidating your debt.
Cash out on your home equity, on a payment plan that works for you. Home Equity Loans and Home Equity Lines of Credit.
Options for mortgages above your county loan limits.
Specialized guidance for our service members.
Perfect for first time buyers, those who want to put less down, and lower credit scores.
Building wealth through homeownership. Options ranging from DSCR loans, traditional financing, and hard money loans.
Low down payment options, help from family, or down payment assistance - just some of the ways we can get you into your first home.
You can have a fun weekend spot while also earning some rental income when you're not using it.
Reverse Mortgages, Hard Money Loans, and more!