Who I Am:I am a Mortgage Loan Advisor focused on helping homeowners buying in the Placer, Sacramento and El Dorado Counties. As a direct lender, I have access to FHA, USDA, VA, Investor, Conventional, and Private Money Loans in Roseville, Rocklin, Lincoln, Auburn, Folsom, Cameron Park, El Dorado Hills, and Sacramento areas. Licenses include CA Real Estate Broker, NMLS National LicenseWho I Help:I partner with seasoned Realtors, Financial Planners, Divorce Attorneys, and CPA's to help them provide solid mortgage advice to their clients. Due to the many challenges of the market, I help with credit advice so that homebuyers can get ready to buy after a Bankruptcy or Foreclosure. My clients include First Time Homebuyers, Investors, and Move-Up Buyers.How I Can Help You:Due the the many changes that continue in the mortgage industry, Full Underwriting Approval is more important than ever. Many of the larger banks still just take a loan application over the phone, run a credit report, and give a pre-qualification letter. Because the loan does not have full underwriter approval issues do not show up until once the borrower is in contract. It is too late because the loan can be delayed or even denied. As you can imagine, this can cost money in per diems or agony as the home of their dreams slips out of reach.In order avoid loan problems (surprises), my team gets all information up front, reviews the file thoroughly and then submits to underwriting for a full approval. Contact Me:If you like my approach and want that level of service: PLEASE CALL: 916-985-3200EMAIL: kfritz@ipmloans.comWe Care: We take the time on every loan and have the empathy and care that personifies the Golden Rule. Let us show you what getting a loan should be like.Specialties: First Time Homeowners, Business Owners and InvestorsFHA, VA, Conventional, High Balance Conventional, Hard Money, Private Money