• Tel: (916) 332-1056
    Email: info@c1stm.com

  • Competitive rates on all mortgage loan programs

    We'll work with you to find you a mortgage program and interest rate that'll work best for you.

    VA Home Loans

    Client 1st Mortgage offers VA home loans and will help you determine if a VA home loan is right for you.

    First time home buyers

    Client 1st Mortgage offers great mortgage loan programs for first-time home buyers.

    Learn More About Reverse Mortgages

    All appraisals reimbursed at close of escrow. All closing cost paid for you. We want to opportunity to win your valuable business. We have valuable programs for FICO scores as low as 500.

  • With over twenty years of experience, we've met many different types of borrowers with an array of situations. We're experts in finding the right mortgage loan programs. 




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  • The process for getting a mortgage loan can be complicated. We make the process easier by remaining transparent, open for questions, and using our expertise to get you into the best program for your situation. 



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  • We've got the latest information to help you choose the right mortgage loan program and purchase with confidence. 





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  • Our mortgage loan pre-approval application is quick, convenient, and simple to complete. It is a simple process to determine if getting into a loan program is the right choice for you. 




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  • We will find the right mortgage for you

    Client 1st Mortgage strives to provide all of the qualities that people look for in a mortgage company. We treat each customer as an individual. Not a number. 

    We operate under a strict code of ethics and values aimed at building long-term customer trust and loyalty. We use a "common sense" approach and will help you obtain the best mortgage possible.

    Whether you are purchasing a home or refinancing, we are with you every step of the way. Practical solutions and personal service - no lender or broker will work harder to meet your needs. 

    Client 1st Mortgage has a unique approach to the mortgage process. It is our goal to go above and beyond being just a home loan conduit. Our customers invest their trust in us to handle one of the largest and most personal financial transactions they will do in their lives. 

    We take the responsibility very seriously. That is why we have a strict policy that the customer's best intentions need to be protected throughout the process. 

    It is our goal to make sure our customers understand the products that are available, the benefits of working with our firm, and throughout the process, get the absolute best customer service available. 

  • Mortgage Calculator

  • MortgageCalculator
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  • Latest News

  • In the 3rd Quarter of 2016 Cash-Out Refis Reached 42% of All Refis, Up from a Low of 12% in 2012* The Above Statement, However, By Itself, May Be Misleading. Why? More recently, interest rates have been above the lows reached last year. Refis tend to drop off when interest rates

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