What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
Nathan Sibbet joined the mortgage industry June 2004 when he began working as Loan Consultant. Over the course of 14 years he has helped over 2800 families purchase homes or save money through refinancing. During this time he has earned several top production awards in sales 8 years of Presidents Club (Top 1% of loan originators in the country) from 2010-2017.
“Every person counts, every situation is different, and I am here offer the best options available for YOU, while making this process smooth.”
Nathan’s knowledge of mortgage programs and underwriting guidelines are what makes him the best at his job. He is able to position borrowers with the best possible options for the financing of their home through his vast knowledge and also close quickly and efficiently which is very important. Serving a client in what can be a hard complicated process of home buying and making the experience the best it can be is one of Nathan’s daily goals.
Nathan is the father of two boys, Benny (12) and Ari (6) and is happily married to his wife Koy. A native of Sacramento, he knows the Sacramento Area real estate market well. While helping clients into homes is one of his passions he also enjoys attending music concerts, skiing during and time off with his family.
CA LIC# CA-DBO450926
Mortgage Education Videos
Rebecca V from Pacific House , CA via Zillow
I had a phenomenal loan team. Nathan Sibbet was outstanding in expertise, integrity, communication, professionalism, and patience. They took the time to keep me updated and made sure that I understood the process from beginning to end. I would feel confident in recommending them to anyone looking for an honest, trustful, hardworking loan team.
derreckla from Citrus Heights , CA via Zillow
I have gone through the grueling process many times and my time with Nathan was an easy smooth experience. There was no typical last minute "we need this or that from you" or waiting around for other departments to do their job. At beginning I was asked what I needed to provide, I provided it and the day that I could sign or close it happened. There was no "we don't exactly know", Nathan knew the info and Loan Dept follow through. I would highly recommend Nathan and Loan Dept.
KatieMcCraw from Sacramento , CA via Zillow
Nathan and his team were amazing to work with. Nathan checked in regularly to keep me updated on the status of my loan and if there were any items I needed to take care of. He, Neil and the underwriter were readily available to answer any questions/concerns I had throughout the entire process. I would strongly recommend Nathan Sibbet and his team to anyone looking for a loan or to refinance.
Andrew Collins from Sacramento , CA via Zillow
Provided swift first-rate service for me on my loan. Outstanding customer service. Kept the entire process stress-free. Expeditiously notified me of every step taken throughout the loan process. Managed my documentation effortlessly. Offered a great rate that beat out the competition. Nathan and his team remained on top of things every step of the way.
Sean from Sacramento , CA via Zillow
I worked with Nathan and the Loan Depot team twice this year. First for a refinance for myself and second for a new home purchase for my elderly father. Both situations, and budgets were very different. Nathan was patient, thorough, and responsive to questions. When I called, Nathan greeted me by name. His team (Neil, Kathy, Grace) are also top notch. Nathan and his team made a seemingly stressful and cumbersome process smooth. Even my realtor commented how responsive and wonderful Nathan was. I would recommend Nathan Sibbet to family and friends.
Janet from South Lake Tahoe , CA via Zillow
Nathan and his team, Neil and Hahn, are extremely professional, knowledgeable, and efficient. The entire loan process was orderly and the least stressful I've ever experienced. I would highly recommend Nathan and intend to do so when the need arises.
BillLeonard19 from Sacramento , CA via Zillow
Professional, fast, and helpful. Could not ask for more. The entire process was well organized with each step explained to us. Nathan and his team are top notch.
barbara from Oakland , CA via Zillow
We were ready to sign with another lender when we realized they invest clients’ money in causes we deplore: mass incarceration and oil pipelines. I put out a plea to everyone I knew who might know how to refinance within our ethical constraints – with the additional constraint of low income/retired which had already disqualified us with another lender prior to the one we were about to sign with. We didn’t have a lot of hope. A dear friend recommended his nephew Nathan who ironically, had had a long career with our almost-sign lender. We shared immediately with Nathan our ethical and financial constraints and our fatigue with the 2 other lenders. He suggested we email him all the scanned paperwork we’d already done to date, he’d sort through it, and ask for only whatever else they might need. We completed this process with so little work we couldn’t believe it, and at a lower interest rate than our prior almost-sign. Nathan and his team was on-call, clear, and can-do, at every step. We funded two days ago: paying off a higher-interest home equity loan, and banking enough to live on for the next few years. We are very grateful to Nathan and his team. We recommend him without qualification. He was GREAT!
Chris S. from Sacramento , CA via Zillow
Nathan and his team were great. He was always available for questions and loan approvals for offers. The loan process was the easiest part of our home search and purchase. We were referred to Nathan by a local Realtor at an open house after we mentioned our loan situation and we found it to be a very serendipitous recommendation. Nathan and Loan Depot helped us with our 30 year conventional loan. The rate and fees all seemed reasonable and similar to other banks.
Ken & Sarah S. from Folsom , CA via Zillow
My wife and I purchased our first home (FISBO) which would not have been possible without Nathan's experience and vast knowledge. He has truly been a pleasure to work with. His attention to detail, reliability, and expedience made this transaction go through without any issues. Nathan was always there when we needed him to answer my many, many, many, many questions until I was comfortable with the situation. He has a positive attitude and is proactive to your needs. I could not imagine a higher level of service. We had a challenging seller which made our situation difficult. Nathan's recommendations and advice throughout this intimidating process made our first home purchase possible. He has truly changed our lives and we could not be happier. For context, my background education is in finance so I am not an easy person to impress. I have been absolutely blown away by Nathan's knowledge basis and his ability to adjust to our needs. Specifically, I wanted to retain as much cash savings as we could. Nathan was able to cleanly lay out our different options available and relay how it would impact our interest rates, payments, etc. so we could make a well informed decision. The level of service and attentiveness is unlike anything I have every observed with the banking sector. Nathan and Loan Depot are the very definition of customer service, professionalism, and quality. We will recommend him to everyone we know for the future and we will return when it is time to refinance. My wife and I thank you and your team from the bottom of our hearts. Love, Ken & Sarah
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.