LOANS to Buy Property

Your Dream Home Awaits

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Nothing gets a seller's attention better than
the knowledge that you are a qualified buyer.


You will be in a much better position to negotiate because the seller knows you've done your homework and you are able to proceed with the sale quickly.

We can tell you exactly how much you can borrow,
so you won't waste time making offers on the wrong homes.


Today rates are still the lowest in decades... 

Tomorrow the rates might be much higher.

Apply now before rates GO UP... call now !


Don't worry if your situation is less than ideal.
Our loan process is easy and it won't cause you sleepless nights.

  • Home Purchase Loans
    • Owner Occupied
    • 2nd Home-Vacation
    • Non-owner Occupied 
  • Construction Loans
  • Rehab Loans
  • Raw-Land Loans
  • Commercial loans
  • 5+ Units 
  • Government Loans
    • VA loans
    • FHA loans
    • Cal-Vet loans


  • Remodel with equity
  • Consolidate Debt
  • Cash-out for any purpose
  • Construction Loans

Finance Made Easy...

  • low credit scores OK
  • credit problems OK
  • foreign national OK 
  • INITIAL MEETING with your Mortgage Professional
    You should Consult with Team-Hopp before house hunting to determine in advance how much you can afford and the mortgage amount for which you can qualify. This step is called 'pre-qualification' and can save you time and trouble by making certain you are looking in the correct price range. No sense in getting your hopes up for a home priced above your Approved Price range.  The loan approval process* generally begins with an initial interview (by phone or in-person) where you and the mortgage professional discuss the potential loan. This includes a Free Consultation for you.

        * After you have completed the Application, you will need to gather these items:

    • Pay stubs (recent 2 months), W-2 forms, tax returns for two years
    • Your bank info... account numbers, branch address, plus past 3 months statements of checking and savings
    • Copies of Credit card statements for the past 3 billing periods, or if limited credit, then canceled checks for rent or utility bill payments, to show payment history and amount of revolving debt
    • statements on car loans, furniture loans, student loans and other retail credit cards
    • Copy of statement verifying source and amount of down-payment (Proof of Funds)
    • Any gift letters, if you are using a gift from a parent or blood relative. This letter simply states that the money is in fact a gift and will not have to be repaid.
    • Usually an appraisal fee will be paid upfront by you when you submit the mortgage application.
    • IF self-employed - Balance sheets and 2 years tax returns 
      • proof of employment such as business license and/or CPA letter
      • income verification such as Certified Profit & Loss statements 

    Having these items will help speed up the application process.  After you speak with us, you should have a general idea if you qualify for the size and type of loan you want. 

    Hopp for Action ... ... then, start packing !
                         Expect Extroadinary Service!
                         Your ' NEXT'  Realtor ®                                                                                    TESTIMONIALS

    GINGER  HOPP     BROKER CFS #01240587          Realtor Since 1998


    Specialty Counties:
    Placer County CA, Nevada County CA, Sacramento County CA, Marin County CA, Sonoma County CA, Napa County CA, San Francisco Greater Bay Area

      (707) 790-0022

     "Certified Foreclosure Specialist"  
       Specializing in NOTES @ 70% of current market value

                            HOMES R WE            LOANS R WE    
                             Call Team-Hopp ~ we'll HOPP-to-it

    Thinking of Selling?     Call me & we'll discuss it ... no obligation