Kristin Cooper: Senior Loan Officer
Buying a home is a large financial commitment and for many it's their biggest investment. Research tells us that the average home buyer lives in the home they purchase for about five to seven years. Therefore, serious consideration should be given to mortgage arrangements so that you're sure you're committing to the best financial terms available.
Since 2003, Kristin Cooper has served the greater Sacramento and Placer County areas, providing great rates and low fees. She will walk you step-by-step through the entire mortgage process. With Kristin, your mortgage will close on time, as promised, with no surprises. Kristin is also available after your closing to be your go-to consultant for any mortgage question or concern. Kristin works tirelessly to exceed your expectations and make your home buying experience stress-free!
Kristin’s specialties include extensive knowledge of Conventional, Government (USDA, VA, and Military Certified), Renovation loans and Jumbo loans including but not limited to: First-Time Homebuyer Programs and Down Payment Assistance. She also volunteers some of her time to credit repair/restoration in her local community. If you have credit issues, concerns or need to build credit she can help you through the process.
Kristin Cooper is available to walk you through the application together – online, over the phone or in person. Please do not hesitate to contact her if you have questions about any part of your loan application. She is always here to help.
- Bridge financing options for non contingent offers
- 1 Year Self Employed Tax Returns
- 85% Jumbo Loan No Mortgage Insurance
- Mortgage Ins. Buyout option
- No Credit Score conventional program
- One time close Construction (PURCHASE OF LAND, CONSTRUCTION AND PERM FINANCING IN ONE)
- Renovation loans for Conventional and FHA buyers
- Exclusive Rate Float down option
- Escrow holdbacks for items sellers do not want to fix(Excellent for short sales and REOS)
- Delayed financing for Investors (Investor pays cash and is able to take 75% of purchase price back out)
- Financing 10 properties.
- Upon request early faster under 21 day closings.
A note from Kristin, your Mortgage Consultant:
I understand buying a home is one of the biggest decisions of your life. Both financially and personally. It is the biggest emotional purchase of your life. For many, it is the start of your life and or family. You will build many memories in this home. So it is important to make sure you are fully aware and comfortable with what your goals are for this home and that they are met with the right financing options. The home buying process can seem intimidating but with the right professionals it can be very gratifying and enjoyable too.
I have assisted many home buyers in achieving the American Dream for over a decade. I have a passion for providing exceptional customer service. My philosophy is to listen to each customer's needs, and respond to those needs efficiently and effectively. I strive to build long-term relationships, so that as your lender, I will be with you each time your life necessitates a home change. Many lenders can 'get you a loan'. My goal is to 'get you the right loan'. No matter the program. I look forward to fulfilling your home financing needs. From first-time home buyers, home builders and investors, I strive to exceed my clients’ expectations every time