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I know which Mortgage Consultant I want to Contact

I need to choose a Mortgage Consultant

Rely on an expert. How much home you can afford? Our experts can advise you on the best mortgage and rate for your financial situation.
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Use this premiere service to connect your life in your new home. It is a one-stop service to connect your phone, cable, electric, etc.
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Doug Carling
Loan Officer
Phone: (888) 498-0494
Cell Phone: (916) 955-2371
Fax: (916) 673-6066
Email: doug.carling@ncmc.com

Buying a Home Is One of the Biggest Decisions in Your Life!

Buying a home is one of the biggest decisions in your life. When you work with one of the nation's largest lenders, you can be sure to have all the best options available to you. I will work exclusively with your builder. I make it my priority to listen to your goals and help you find the best financing solution to achieve your dream. Because of my experience with every aspect of your builder's policies and procedures, you can count on a smooth and simple loan experience.

Which Type of Loan Is
Right for You?

We Offer 200+ Products
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Loan Type	Advantages
Fixed Rate	Interest rates or principal and interest payments that stay the same for the life of your loan - 10, 15, 20 and 30 year terms
Adjustable Rate	Qualify for a higher mortgage and enjoy a lower initial interest rate and payment Adjustment periods vary depending on which product you choose
Affordable Housing Programs	Great for first-time homebuyers. Little or no down payment required with potentially lower interest rates.
Jumbo Loans	Choice of a fixed or adjustable rate. Mortgage interest may be leveraged as a tax deduction (Consult a tax advisor on the deductibility of interest.)
FHA/VA Loans	Little or no down payment required. Great for first-time homebuyers with a choice of a fixed or adjustable rates.
Home Equity Loan Home Equity Line of Credit	Applying is quick and easy. The money can be used for home improvement, a new car, bill consolidation, college education, etc. Rates may be lower than other forms of credit

Programs subject to change without notice.

We're In Your Neighborhood

I am a local consultant with years of mortgage experience; committed to service and personal attention at every turn. I will always work hard to deliver what you need and what's promised; and work hard to ensure they are one in the same.

We Say "Yes!" More Often

Many people are hesitant to inquire about a mortgage. I take a solution-orientated approach to meeting your home mortgage needs and work with all types of financial profiles. Many of our loans are approved on the spot during your first meeting. We offer a full range of traditional loans:

Conventional Loans
Government programs
No money down programs
Interest only
First time homebuyers programs

How Much Can I Borrow?	How Much Will My Payments Be?
Fixed or Adjustable Rate?	How Much for my Downpayment?
Should I Refinance?	What Are Refinancing Costs?
How Do Extra Payments Help?	What Home Can I Afford?
Obtaining a Pre-Qualification	Refinancing Options
How to Read a Credit Report	Should I Pay Points to Lower the Rate?
How Can I Repair My Credit?	Negotiating A Lower Price
Compare Mortgages	Bi-Weekly Mortgages
Which is Better - 15 or 30 Years?	Downpayment Assistance

MakeComplex Transactions Simple

For those with complicated income or asset structures, I have a process that works for you. I understand how to match sophisticated, innovative products with your short and long term investment goals.

Contact Information:
Sacramento
1375 Exposition Blvd.
Suite 109
Sacramento, CA 95815

Phone:	(888) 498-0494
Cell Phone:	(916) 955-2371
Fax:	(916) 673-6066

Email: doug.carling@ncmc.com