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Select from hundreds of loan products tailored to your needs

Andrea Kimbrell

Andrea Kimbrell

Loan officer

2330 East Bidwell St., Suite 203, Folsom, CA 95630
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
4.98
5.0
Dawn
Jun 04, 2024
Verified

Andrea was great to work with. When issues came up she was quick to find resolutions.
Teresa
May 28, 2024
Verified

Andrea overdelivered! She was great at communicating and possible issues. She worked through them quickly and closed in 17 days, 4 days before our contract date. Thanks!
Kristina
May 28, 2024
Verified

Andrea is an amazing lender she communicates throughout the transaction and is extremely professional! I highly recommend her!!!
Jodi
May 28, 2024
Verified

Andrea made this process as simple and thorough as possible. She made our dreams come true!
Kacie
May 09, 2024
Verified

I recently had the pleasure of working with Andrea to secure a home loan, and I couldn't be more satisfied with the experience. From start to finish, Andrea demonstrated professionalism, expertise, and a genuine commitment to helping me find the best loan option for my needs. Andrea took the time to thoroughly explain all the available loan programs, patiently answering all my questions and addressing any concerns I had along the way. Her knowledge of the industry and attention to detail gave me confidence throughout the process, and I felt reassured that I was in good hands. Her proactive communication and responsiveness made the entire process smooth and stress-free I highly recommend her to anyone in need of home financing assistance. Her professionalism, and integrity are unmatched. I will definitely be returning to Andrea for any future home financing needs.
Marianne
May 06, 2024
Verified

Thank you Andrea for taking such good care of my client!

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NMLS ID #1450175
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;