Unlock Your Financial Capacity with the Right Solutions.
Xact Mortgage, California’s Premier Automation-Driven Brokerage.
Serving the Golden State Exclusively.
we understand that Owning a home is one of the most significant investments you'll make in your lifetime. That's why we offer customized mortgage solutions designed to fit your unique financial situation. Whether you're a homebuyer or looking to refinance, our team is here every step of the way. Explore our competitive rates and flexible terms to open the door to a better mortgage.
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Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
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Unlock Your Dream Home with Our Mortgage Solutions.
who we are?
Your Trusted Partner in Home Financing.
we’re more than just a mortgage brokerage—we’re your dedicated partner in making homeownership a reality. Our team works closely with you to understand your goals and provide tailored mortgage solutions that fit your lifestyle and budget. From first-time buyers to experienced homeowners, we’re here to offer guidance, support, and expertise every step of the way.
why choose us?
Building Foundations for a
Brighter Future
Home Purchase
Mortgage
Home Sale
Your Journey to Homeownership Starts Here
we simplify the journey to homeownership. Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning a home into reality!
Personalized mortgage solutions tailored to your needs.
Expert guidance throughout the entire buying process.
Competitive rates to help you save on your investment.
what we offer ?
Effortless Mortgages, Realize Your Dreams
We streamline the mortgage process to make your goal a reality. Our tailored solutions and expert support ensure a smooth journey, empowering you to achieve your goals with confidence.
30 Year Conventional Mortgage
30-Year Conventional Mortages have widespread availability making it the most commom mortgage option.
Long-Term Stability: Secure predictable monthly payments for the full 30-year term, providing budget certainty and protection from market fluctuations whether you're in Stockton or San Francisco
Lower Monthly Payments: Maximize affordability with smaller monthly payments compared to shorter-term loans, helping you comfortably manage your mortgage alongside other financial priorities
Expert Support: Guidance throughout the process.
FHA Loans
FHA has a more generous debt-to-income allowance compared to conventional loans and lower down payment requirements, opening doors for many.
Lower Down Payment Requirements: Access homeownership with as little as 3.5% down payment, making it easier to enter the housing market in both affordable Central Valley communities and higher-priced Bay Area neighborhoods
More Flexible Credit Guidelines: Qualify with less-than-perfect credit scores (minimum 580 for 3.5% down), opening doors for first-time homebuyers and those rebuilding their credit history
Jumbo Mortgage
Jumbo mortgages help you access financing beyond conventional loan caps, perfect for the competitive Bay Area housing market where median home prices significantly exceed national averages.
Fast Approval: Get funds quickly to secure your new home.
Premium Property Potential: Finance luxury homes with high-end amenities and prime locations near major tech campuses, with loan amounts tailored to Bay Area real estate values
Flexible Qualification Options: Specialized underwriting that recognizes complex compensation structures including RSUs, stock options, and bonus income common in tech industry packages.
VA Loan
VA loans are a great option for veterans and active-duty service members in California's diverse housing markets.
No Down Payment Required: Purchase a home with 0% down payment, eliminating one of the biggest barriers to homeownership in California's diverse housing markets.
No Private Mortgage Insurance: Save thousands over the life of the loan by avoiding PMI premiums, even with no down payment, providing significant monthly savings in both affordable and high-cost areas.
Competitive Interest Rates: Access some of the industry's most favorable rates and terms as a benefit for military service, potentially allowing veterans to afford more home in challenging markets like the Bay Area or find exceptional value in regions like the Central Valley.
Cash-Out Refinance or HELOAN
A cash-out refinance lets you tap into your home equity for a lump sum of cash for major expenses like debt consolidation (especially high-interest credit cards), home renovations that boost property value, college tuition, or investments. Often getting a lower interest than other loans.
Access Your Home's Equity: Transform your home's built-up value into cash for major expenses like home improvements, debt consolidation, or education costs, with competitive loan-to-value options
Potential Rate Improvement: Opportunity to secure a better interest rate while accessing equity, potentially lowering your overall monthly payments while borrowing more.
Simplified Single Payment: Consolidate higher-interest debts into one manageable mortgage payment, potentially saving thousands in interest while improving monthly cash flow.
Rate/Term Refinance
A rate & term refinance allows you to get a better mortgage deal by securing a lower interest rate or changing the loan's length (term) to reduce monthly payments, pay off the loan faster, or switch from an adjustable-rate to a fixed-rate mortgage, all without taking cash out. This strategic move lowers costs, improves cash flow, or aligns the mortgage with long-term financial goals like retirement.
Lower Your Monthly Payment: Reduce your interest rate or extend your term to create more breathing room in your monthly budget, potentially saving thousands over the life of your loan
Accelerate Payoff Timeline: Option to shorten your loan term while keeping payments manageable, helping you build equity faster and become mortgage-free years sooner.
Streamlined Processing: Benefit from efficient refinance technology and expertise, with simplified documentation requirements for existing homeowners and competitive closing timelines.
how it works
Partnering in Your Real Estate Success
Consultation
Discuss your needs and financial goals with our experts.
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage and receive the keys to your new home!
Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
Xact Mortgage is a registered DBA of Xact Agency, a corporation licensed by the California Department of Real Estate, License #02154738, NMLS ID #2485154. Mortgage services are provided under our DRE License and NMLS Mortgage Loan Originator Endorsement. We serve the State of California exclusively.
Equal Housing Opportunity
