About Halo Real Estate and Loans
Halo Real Estate and Loans has been a cornerstone of the Sacramento mortgage market since its founding in 1994. As a veteran-owned and operated brokerage, the company brings a disciplined and dedicated approach to the complex world of home financing, embodying the precision instilled through years of Air Force service.
The firm distinguishes itself by prioritizing a deeply personalized 'human touch' over the industry's increasing reliance on automation. They act as a vital gateway to an extensive array of specialized mortgage programs, catering to a diverse clientele ranging from those with excellent credit and substantial down payments to individuals facing credit challenges or limited resources. This commitment ensures tailored solutions that transform unique circumstances into realistic homeownership opportunities.
By leveraging strong relationships with various reputable mortgage companies, Halo Real Estate and Loans offers clients competitive solutions and aims for swift loan approvals, often closing in 14 days or less. Their hybrid approach, blending human insight with technical prowess, streamlines the loan process, reduces costs, and ultimately helps clients secure the most suitable mortgage for their needs.
The firm distinguishes itself by prioritizing a deeply personalized 'human touch' over the industry's increasing reliance on automation. They act as a vital gateway to an extensive array of specialized mortgage programs, catering to a diverse clientele ranging from those with excellent credit and substantial down payments to individuals facing credit challenges or limited resources. This commitment ensures tailored solutions that transform unique circumstances into realistic homeownership opportunities.
By leveraging strong relationships with various reputable mortgage companies, Halo Real Estate and Loans offers clients competitive solutions and aims for swift loan approvals, often closing in 14 days or less. Their hybrid approach, blending human insight with technical prowess, streamlines the loan process, reduces costs, and ultimately helps clients secure the most suitable mortgage for their needs.
Company Information
Founded: 1994
Lender Type: Mortgage Broker
Headquarters: Fair Oaks, CA
Licensed In
CA
Digital Capabilities
Online Application
Rate Calculator
Home Loan Products
Conventional Mortgage Programs
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Special Programs:
First-Time HomebuyerLow Down Payment Program
1%
Min Down Payment
FHA Loan Program
Loan Types:
FHARefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)Manufactured/Mobile Home
Occupancy Types:
Primary Residence
Special Programs:
First-Time HomebuyerDown Payment Assistance
VA Loan Program
Loan Types:
VARefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Special Programs:
Veteran Program
USDA Home Loan Program
Loan Types:
USDARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Special Programs:
Down Payment Assistance
Jumbo Loan Program
Loan Types:
JumboRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
DSCR Investment Loan Program
Loan Types:
DSCRNon-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness Owner
Income Verification:
No Income Verification
Bank Statement Loan Program
Loan Types:
Bank StatementNon-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-Employed1099 ContractorBusiness Owner
Income Verification:
Bank Statement
Special Programs:
Bank Statement ProgramSelf-Employed Program
ITIN Mortgage Program
Loan Types:
Non-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceInvestment Property
Income Verification:
Full Documentation
Special Programs:
ITIN ProgramNon-Resident Alien Program
Asset-Based Mortgage Program
Loan Types:
Asset DepletionNon-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
RetiredInvestor
Income Verification:
Asset Depletion
Special Programs:
Asset Depletion Program
Reverse Mortgage Program
Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Land Loan Program
Loan Types:
Construction
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeInvestment PropertyMulti-Family (2-4 units)Multi-Family (2-4 units)
Occupancy Types:
Primary ResidenceInvestment Property
Contact Information
9067 Winding Oak Dr
Fair Oaks, CA 95628
US
Mailing Address:
9067 WINDING OAK DR FAIR OAKS, CA 95628
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Business Information
Category: Mortgage Broker
Location: Fair Oaks, CA
Status: Standard
Founded: 1994
Type: Mortgage Broker
NMLS ID: 2020967
Profile Views: 0
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