Mortgage Services
Need Help Getting Started With Mortgage. Let Us Help You Start.
We can tell you which companies and loan officers in the area that will go the extra mile to provide excellent service to make sure that your transaction closes.
When you are buying a new home or refinancing your present one, it is wise to do some comparison shopping among lenders. A low interest rate isn’t the only criterion by which to evaluate a loan. You should also consider the terms of the mortgage, what your closing costs will be and the reputation of the lender.
We routinely assist buyers when they need a mortgage in order to purchase a home. We know what loan packages are available and the qualifying requirements. The companies with the lowest rates sometimes have very conservative underwriting guidelines, and may not be willing to make loans on certain types of property or to buyers who are marginally qualified.
Our Lenders Want to Say Yes
There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.
Contact us and let’s get started!
7 Mistakes to Avoid When Buying Your First Home in Nevada County
Becoming a homeowner is an exciting, decision-packed time—especially if you’re exploring homes for sale in Nevada County, CA, including Grass Valley and Nevada City. While the process can feel overwhelming, the good news is that [...]
RE Market Pulse – Week of January 5, 2026
Each week, we analyze the evolving dynamics of the market, identifying emerging trends, shifts in momentum, and key considerations for real estate professionals. Last week, the National Association of Realtors® reported that pending home sales [...]
RE Market Pulse – October 2025
Each week, we monitor the changing dynamics of the real estate market across Nevada County, including Grass Valley, Nevada City, Penn Valley, Lake Wildwood, and Lake of the Pines. Understanding local and national trends helps [...]
Job Growth Slows, Mortgage Rates Drop – What This Means for Nevada County Real Estate
The U.S. economy showed signs of slowing in August, with the Bureau of Labor Statistics reporting only 22,000 new non-farm payroll jobs. While July’s numbers were revised slightly upward, June was adjusted to reflect a [...]
How Much Home Can You Afford?
One of the most important things first-time homebuyers should explore – how much home can they afford? You’ve been dreaming day and night about it: Buying your first home. It’s a thrilling prospect for [...]
Mortgage Fraud and You – How To Tell You’re Probably Being Taken For A Ride As A Buyer
A mortgage is the biggest, most important contract most of us will ever sign – and one with a certain sense of finality to it. We’re telling ourselves that this is it. This is where [...]
Are You Ready to Buy a Home?
So you’ve finally decided to take the plunge on your dream home. But are you really ready to own it, or should you consider renting? There are so many questions that you'll run into once you decide [...]
5 Kinds of Mortgages: What’s Right for You
Home buying can be a whirlwind and, unless you are a lottery winner or heir to a fortune, likely includes taking out a mortgage. Choosing the right mortgage loan for your budget includes assessing [...]
Reverse Mortgages: New Rules Make Them Safer for Homeowners
The promises of a reverse mortgage -- never having to pay a mortgage bill again and using your home's equity to finance retirement -- can sound too good to be true. It almost was [...]
Nevada County REALTORS® –
Graham Morey
REALTOR® LIC# 02125755
- (530) 913-9447
- (530) 273-7293
- Click to Email
- Grass Valley Office
Kristen Fredericks
REALTOR® Lic# 02195889
- (406) 270-5128
- (530) 273-7293
- Click to Email
- Grass Valley Office









