Name Your Rate

Why make home loans complicated? I am flipping the switch on the normal process by letting you name your rate. 

Simple as that – home loans with your family in mind, with someone you can trust.

Learn More

How I Can Help…

Fixed Rate Mortgage
  • Fixed for any rate of time up to 30 years. Example, 12 years, 25 years, 29 years etc…
  • Principal and Interest payment is set for the entire term and will never change.
  • Interest rate will never change.
Adjustable Rate Mortgage
  • Lower interest rate in the early years of your mortgage. Example: Fix for 5 years at 2.50% followed by an adjustable rate that could either increase or decrease, based on current market.
  • Can pay more towards the loan balance without a pre-payment penalty.
  • Interest rate and payment may increase after initial fixed term.
Federal Housing Administration (FHA)
  • Purchase your home with as little as 3.5% down.
  • The seller can contribute up to 6% of sales price to help with closing costs.
  • Choose from a fixed or adjustable rate mortgage.
Department of Veteran Affairs
  • Available to eligible current or former members of the US Armed Forces and their surviving spouses.
  • Up to 100% financing available.
  • Competitive low fixed or adjustable rates.
  • More favorable income, debt and credit qualifications.
  • No mortgage insurance (MI) regardless of down payment.
Construction to Permanent Loans
  • One-time closing process saves additional fees from having two separate transactions.
  • Pay interest only on the outstanding balance during construction.
  • Loans don’t tie up builders funds, potentially reducing the cost of the home.
Reverse Mortgage
  • You can potentially get some money from your own home. In the past, you had to sell your house or use it as collateral for a loan which had to be repaid in monthly installments.
  • There are actually three types of reverse mortgages: single purpose reverse mortgage, HECM or Home Equity Conversion Mortgages, and private proprietary reverse mortgages. The most popular programs are the HECM loans that are backed by HUD with FHA mortgage insurance.
  • The lender pays out the loan in three ways: lump sum, monthly payouts, or line of credit. This, in reality, is a great pro and benefit for the elderly.
USDA Loan
  • May help low-to-moderate income borrowers qualify
  • No down payment for eligible applicants in designated rural areas
  • Allows seller contribution to closing costs
Jumbo Loans
  • Higher purchase limits
  • Competitive rates
I'm Interested, what do I do now?

Name YOUR Rate, It’s that Simple

Family, Trust & Community

I was born and raised here in Sonoma County and I take great pride in being able to help the families in our community. I have been in the Mortgage Industry since 2001 and have helped thousands of people with the financing of their home.  Whether it be for new home purchases or refinancing a current home, helping local families through the financing process is why I love doing what I do. I can’t wait to meet you and see how I can help you and your family!

Reach out to me:

Phone: 707-242-6027
Mobile: 707-386-7784
Fax: 707-922-0023
Email: erea@omglending.com

NMLS: 277804
BRE#: 01321562