Welcome!     My goal is to make the process of getting a home loan affordable, efficient, enjoyable and rewarding for you. Thank you for visiting my mortgage website.  Here you can use the mortgage calculators and even apply securely online.  If you would like to reach me you can email me or call me on my cell phone, I am easily reachable.  If you get voice mail, please leave a message and I will get right back to you as soon as I can.  Chrystina Tovani Loan Consultant Realty One Direct: (916) 761-1882 Office: (866) 466-3796 Fax: (866) 801-5670 Email Me Realty One Corporate Offices:    10100 Fair Oaks Blvd Suite # K ;  Fair Oaks, CA  95628 Chrystina Tovani, CA Dept of Real Estate License 01118449

Give me a try.  Let me put my experience to work for you.   I began my career in real estate in 1985 and have worked in various positions such as loan origination, processing and underwriting, title and real estate sales.  I have experienced the many changes in the real estate market over the years and have kept learning and growing so I can take you through your transaction with confidence, careful attention to detail and understanding that the process of getting a home loan is a tremendous and often stressful for a homeowner and especially for a first time home buyer.  I'm here to help you.  Do you need help with a VA home loan? Sacramento VA Home Loans Blog I've put together some basic information about what you need to qualify and how to get some of the important documentation.  I can help you with this also.  I am a Life member of the LAVFW at VFW Post 4647 in Antelope, CA which is where I volunteer for our Veterans and Community services and events.  I am passionate that our veterans receive all of the services they have earned and are entitled to and getting a VA insured home loan is definitely a benefit for a homeowner and especially a first time home buyer with little or no money for down payment or closing costs.  I am extremely grateful to the men and women who serve our country and glad to serve those who have served.  This picture is from the Gratitude Campaign.  Under The Money Tree Blog Active Rain Real Estate Network Localism Community Real Estate Network I am also a member of The Active Rain Real Estate Community.  I write articles and opinions about the market, news and events. I do my best to provide my clients with the most affordable loan programs.   Rates are lower than they have been in years.  Property prices are reasonably affordable.  It is possible to own a home for less than the cost of a rental property in some cases.   The types of loans I can help you with are Purchase or Refinance, Conventional, VA and FHA insured loans, Reverse mortgages, Equity, Seconds, Fixed and ARM rates are available.  Check out my mortgage website for more information or you can email or call me at 916-761-1882   Whether you want to purchase a home or refinance, I am here to guide you through the process step by step. Contact me today!  Chrystina Tovani Loan Consultant Realty One Direct: (916) 761-1882 Office: (866) 466-3796 Fax: (866) 801-5670 Email Me