Our Mortgage & Lending Services
Conventional Mortgages
Purchase a new home or refinance your current residence with our flexible conventional mortgage solutions. We offer fixed and adjustable-rate loan options tailored to various budgets and needs. Whether you are a first-time homebuyer or seeking to invest, our advisors help you select the right plan and simplify the paperwork process.
Reverse Mortgages
Unlock your home's equity with a reverse mortgage, available for eligible seniors. This program allows you to convert part of your home value into usable funds—with no monthly mortgage payments while you reside in the property. We explain eligibility, assist with paperwork, and guide you through every stage, helping you access resources for greater financial flexibility in retirement.
Government-Backed Home Loans
Explore FHA, VA, and USDA loan programs with benefits like lower down payments, competitive rates, and flexible credit criteria. Our team assists with program selection, documentation, and eligibility review—ensuring you take full advantage of federal and state resources designed for homebuyers from various backgrounds, including veterans and rural residents.
Refinancing
Refinance your current mortgage to benefit from lower interest rates, adjust your loan term, or tap into your home's equity for major expenses like renovations or debt consolidation. We help you evaluate the pros and cons of refinancing and ensure a smooth application process from start to closing.
Loan Counseling & Application Support
Receive one-on-one guidance from our mortgage specialists—explaining loan options, eligibility, rates, and scenario comparisons. We demystify the process, help you assemble required documentation, and support you through application, approval, and closing. Bilingual service is available.
Contact us if you have special requirements such as non-traditional credit history, self-employment income verification, or need advice on selecting the best mortgage product for your unique circumstances. Our goal is to tailor solutions around your financial and personal needs.
How to Choose the Right Mortgage Option
Assess Your Financial Situation
Start by reviewing your credit score, monthly income, debt load, and available savings. This will help determine what loan programs you're eligible for and the loan amount you may comfortably repay. Our team is available to help analyze your financial profile without obligation.
Define Your Homeownership Goals
Are you purchasing your first home, downsizing, relocating, or seeking to age in place? We help you clarify your long-term objectives and select financing that aligns with your needs, whether that means flexible terms or stable monthly payments.
Compare Loan Types
We break down the benefits and trade-offs of conventional loans, government-backed programs, and reverse mortgages. Factors such as down payment, interest rates, ongoing costs, and qualifying criteria are explained in clear, practical terms so you make informed decisions.
Understand the Responsibilities
Look beyond the initial interest rate by considering ongoing taxes, insurance, home maintenance, and financial obligations under each loan option. We detail common next steps and ongoing homeowner responsibilities during our consultations.
Ask for Personalized Scenarios
Request customized mortgage quotes based on your specific scenario, covering rates, monthly payments, closing costs, and total lifetime costs. Our advisors provide these insights transparently to empower your homebuying journey.
What to Expect: Steps to Get Started
- Contact us via phone or email for a confidential initial discussion about your goals and current situation.
- Our mortgage specialist helps you identify which programs may fit your eligibility and preferences.
- Gather required documents (income statements, credit information, property details, etc) and review loan disclosures with guidance.
- Submit your formal application. We communicate with you throughout underwriting and address any additional requirements or questions from lenders.
- Once approved, review and sign the closing documents. We ensure you understand every aspect before proceeding.
- Receive your funds—for purchases, refinancing, or reverse mortgage equity.
- Rely on us for ongoing assistance as you manage your mortgage and homeownership journey.
Mortgage Preparation Checklist
- Compile income proofs: pay stubs, tax returns, or income statements if self-employed.
- Check and, if needed, improve your credit score before applying.
- Gather recent bank statements for all assets or savings considered in your application.
- List monthly debts: credit cards, loans, or recurring payments.
- Collect information on the property you want to buy or refinance (address, condition, value estimate).
- Be ready to provide photo identification and legal residency documents.
- Prepare questions about rates, closing costs, payment scenarios, or timelines for your advisor.
Who We Serve
First-Time Homebuyers
Receive patient, step-by-step guidance from your first question through to the day you receive your keys. We help demystify every part of the process and support you even after closing.
Seniors & Retirees
Explore a range of solutions including reverse mortgages to tap your home equity and enjoy financial stability in retirement years. We clarify requirements and provide trustworthy options for aging in place.
Veterans & Active Duty Military
Access VA loans with favorable terms and ongoing support for your unique needs as a service member or veteran. We ensure a smooth transition and home ownership support tailored to your service record.
Self-Employed & Non-Traditional Borrowers
Receive expert help with applications based on alternative documentation or income verifications beyond standard pay stubs. We'll help you find loans suited to diverse income sources.
Current Homeowners
Whether refinancing, moving, or exploring an equity release, our services help you maximize opportunities and minimize disruption to your family or lifestyle.
About THE MONEY HOUSE, INC.
The Money House, Inc. is a seasoned, full-service mortgage lender, originally founded in Puerto Rico and now operating throughout the United States. Our expertise lies in providing tailored home financing solutions to individuals from diverse backgrounds—whether you are looking for a first home, need to refinance, or want to access your equity through government-backed programs or reverse mortgages.
Our team understands the changing landscape of the US real estate and lending market, and we are dedicated to making the mortgage process as clear and supportive as possible. Every client receives personalized service, with a focus on clear communication and transparency throughout each step—from application through approval and closing. With official registration and active participation in US housing programs, trust us to be your partner in home financing.
We support bilingual customers and can provide information and guidance in both English and Spanish. For more information, or to request a personalized consultation, please contact our Sacramento, CA office at the details provided above.
Frequently Asked Questions (FAQs)
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Which types of mortgages do you offer?We provide a wide selection of home loans, including conventional, FHA, VA, USDA, and reverse mortgages. Our advisors will help you choose the optimal fit for your situation.
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Who qualifies for a reverse mortgage?Reverse mortgages are available primarily to homeowners aged 62 or older with significant equity in their home. Reach out to discuss eligibility and required documents.
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Do you assist first-time homebuyers?Yes, we offer programs and hands-on guidance specifically tailored to first-time buyers, helping you navigate every step from pre-qualification to closing.
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Can self-employed borrowers apply?Absolutely. We help self-employed clients or those with non-traditional income to apply, guiding on documentation requirements and qualifying criteria.
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What documents are needed to apply?Common documents include income and asset statements, credit report authorization, identification, and property details. Our checklist will help you prepare thoroughly.
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How long does mortgage approval take?Approval timelines can vary based on loan type and individual circumstances, but generally range from a few days to several weeks. We keep you updated every step of the way.
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How do I get started?Contact us by phone or email for a free, confidential discussion. We'll help clarify your options and provide a personalized plan.
Contact Us
- Address:
- REBECCA VANG 2710 GATEWAY OAKS DRIVE, SACRAMENTO, CA
- Phone:
- +1 (800) 405-4554
- Email:
- info@moneybreackers.com
- Document:
- 3493879
- NMLS Unique ID:
- 169716