— Locally Based. Personally Committed. —

You'll work with one advisor from first call to closing day — not a call center, not a rotating cast of strangers. We're right here in California, and if you want to sit down face to face, we'll make it happen.

How Much Home Can You Afford?

Find out in 60 seconds — no credit check required.

Free Pre-Qualification
6 Quick Questions
Get your personalized estimate instantly.
No SSN or personal info needed
Programs with as little as 1% down
Up to $2,500 toward closing costs
See What I Qualify For →
Now Serving All of California

Your Home Loan,
Made Simple.

We guide you through every step of the mortgage process — from pre-approval to closing day. Competitive rates, personalized service, and a commitment to getting you into your dream home.

Call(209) 614-4682 Emailtansimortgage@gmail.com
NMLS#2496582 | Licensed Mortgage Broker
Speak With an Advisor
500+
Families Served
$150M+
Loans Funded
4.9★
Client Rating
24hr
Pre-Approval
What We Do

Mortgage Solutions
Tailored to You

Whether you're buying your first home, refinancing, or tapping into your equity — we have the expertise and loan programs to make it happen.

Home Purchases

Ready to buy? We'll find the right loan for your situation and guide you through every step.

  • First-time buyer programs
  • Conventional & FHA loans
  • Low down payment options
  • Market trend guidance

Refinance

Lower your rate, reduce your term, or tap into your home's equity with a smarter loan.

  • Rate-and-term refinance
  • Cash-out refinance
  • Streamline refinance (FHA)
  • Debt consolidation

HELOC

Access your home's equity with a flexible line of credit for renovations, investments, or life's needs.

  • Home Equity Line of Credit (CA)
  • Competitive variable rates
  • Flexible draw & repayment
  • No prepayment penalties
Why Choose Us

A Broker Who Works
for You, Not the Bank

Keys to your new home
$2.5K
Toward Your
Closing Costs
1

Personalized Guidance

You're not a number here. We take the time to understand your financial situation and find the loan that fits — not the one that pays us the most.

2

Competitive Rates

As an independent broker, we shop across multiple lenders to get you the best rate and terms. The banks can't do that.

3

Fast & Transparent

Pre-approval in as little as 24 hours. No hidden fees. No surprises at the closing table. We keep you informed every step of the way.

4

Available When You Need Us

Open Monday through Friday, with weekend appointments available. Need to talk after dinner? Call us — we'll pick up.

Loan Programs

The Right Loan for
Every Situation

From conventional to FHA to low-income assistance — we have programs that work.

Most Popular

Conventional Loans

Fixed-rate and adjustable-rate mortgages with flexible terms. Ideal for borrowers with solid credit looking for the best long-term value.

Fixed & ARM options available
Low Down Payment

FHA Loans

Government-backed loans with lower credit score requirements and down payments as low as 3.5%. Perfect for first-time buyers.

3.5% minimum down payment
Special Program

1% Down + 2% Grant

Qualified low-income buyers can put just 1% down with a 2% grant — and no mortgage insurance. One of the best programs available.

No MI for qualified buyers
Up to $2,500

We can help pay part of your closing costs — up to $2,500 — making homeownership more accessible than ever.

Check My Eligibility →
How It Works

Four Steps to
Your New Home

We've simplified the mortgage process so you can focus on what matters — finding your perfect home.

1

Check Your Eligibility

Answer a few quick questions to see what you qualify for. Takes about 60 seconds.

2

Get Pre-Approved

We review your info and provide a pre-approval letter — often within 24 hours.

3

Find Your Home

Shop with confidence knowing exactly what you can afford.

4

Close & Celebrate

We handle the paperwork and get you to closing day — with your keys in hand.

Ready to Get Started?

See what you qualify for in 60 seconds, or give us a call. We're here 7 days a week to help you find the right mortgage.

See What I Qualify For → Call (209) 614-4682
Get In Touch

Let's Talk About
Your Mortgage

Sukhdev Dhami

Licensed Mortgage Broker
NMLS #2469672  |  Company NMLS #2496582

Business Hours

Monday – Friday 10:00 AM – 5:00 PM
Saturday By Appointment
Sunday By Appointment

Send a Message

Have a question? Fill out the form and we'll get back to you within 1 business day.