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Debra Marsan

Debra Marsan

Senior Loan Officer

1670 Sierra Avenue, Suites 303 And 402, Yuba City, CA 95993
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.



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.


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.

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4.89 out of 5.0 stars
Jul 17, 2023

Debra Marsan and her team made this transaction smooth and painless!!
Nov 03, 2022

Great communication, letting me understand all procedures needed to complete the loan process.
hellie S
Aug 03, 2022

Debra was incredible!
Michael L
Apr 27, 2022

I was able to call or text Debra anytime throughout the day and expect a response within an hour. Debra explained everything very thoroughly. Our situation was very difficult, as far as timing goes, and Debra went above and beyond to get us into our dream home. She is amazing, and has been a miracle worker and a blessing in herself.
Nikolas S
Mar 23, 2022

Debra explained the interest rates and mortgage process In a detailed and fundamental way that cleared the way to make important decisions. Thank you!
Gina L
Mar 12, 2022

Debra and her team were always available to answer all of my questions with tremendous knowledge and experience. Debra always had my best interest at heart while still maintaining a high level of professional with all parties involved. Her expertise to get the deal closed was exceptional.

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NMLS ID #218687
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;