Look upon your lender as a counselor! Lenders evaluate mortgage applications a lot differently today than they did even 2 years ago. And even more has changed in the last 10 - 20 years. What used to close the door to homeownership or refinance may not be a factor today. Look for a mortgage lending consultant who has the knowledge and experience to present to you a number of different options that fit your current financial situation. Especially for first-time buyers, don’t be discouraged if what you hear at first doesn’t seem to fit with today’s market. A good lender can help you straighten out your finances to make you more worthy of a mortgage. Many mortgage consultants have up-to-date information about down payment assistance, closing cost reductions and other unique programs in their areas. You may qualify for help you didn't know existed. Whether you are refinancing, looking for a reverse mortgage or buying your first or fifth home – an experienced loan counselor can make all the difference.
About 1st Sierra Mortgage
Paul Smith founded the company in 1999 because he was unable
to find a mortgage company that shared his ‘golden rule’ ethics.
Paul affiliated with Bob Willett in early 2000 and they
worked to build a $15+ million business that truly is
client centered. 1 st Sierra believes in creating a lifelong
relationship with every client. It is our mission to
listen to what you want and need, and then present you
with the best possible options available. Always recommending
what is in your best interests, not ours. By going the
extra mile, we want to create an environment in which
all our clients can feel safe, trust us implicitly with
all of their financing needs, and feel comfortable referring
their friends and family to us.
Bob Willett,
Your Loan Counselor
A licensed Real Estate Broker, Bob has over 20 years of experience
in real estate lending. He currently teaches Real Estate Finance
at American River College to others interested in employment
in the lending fields, and volunteers his time teaching first-time
homebuying classes for the Home Loan Counseling Center of Sacramento.
Bob’s been named the top loan originator at many mortgage companies and holds many industry certifications so he’s
well versed to offer you the financial options that fit your
needs
Looking
for a Home? Contact Mary Willett: Mary@SacramentoHomes.net
• Cell Phone/V.M.: (916) 715-0122 Need a Loan? Contact Bob Willett: Bob@SacramentoHomes.net
• Cell Phone/V.M.: (916) 485-7939
About 1st Sierra Mortgage 
Bob Willett,
Your Loan Counselor 
