Our Process
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!
Client Testimonials
Why we should work together
About Rosemarie
I am a loan consultant who delivers personal service and proud to serve those obtaining the dream of home ownership. Any real estate transaction is a major financial decision that should be handled by a professional. Whether you are first-time home buyer, purchasing your dream home, refinancing an outstanding mortgage or consolidating debt, I can help you.
I first began my career in the mortgage business in 2002 when I was 22 years old as a loan processor. In 2006, I began working in sales by getting my real estate license to sell mortgages while doing real estate as well. I am a knowledgeable seasoned mortgage professional who has been a full-time loan consultant for the last 7 years. I have several 5-star reviews on Zillow and Facebook that speak for themselves. I am experienced in FHA, Conventional, VA, Non-QM, HELOC, & Jumbo Mortgage Loans for purchases along with refinances. I still have a real estate license, but do not currently work as a realtor.
I help people with excellent credit as well as those with credit challenges. Any loan consultant can do a loan for someone with excellent credit, but it takes a lot more skill to do a mortgage for someone that has credit issues. I advise people that did not qualify for a mortgage on the things they can work on in order to qualify to purchase a home or refinance. I analyze applications and credit to find ways to make things work. I have closed some challenging loans over the life of my career including mortgages that were denied by other lenders.
Whether you are buying your first home, an investment property or refinancing your mortgage, I can confidently help you from application to closing. I am a dedicated professional that provides quality mortgage services to my clients, but most of all I am a person that cares. I treat my clients like I would a good friend, most importantly the way I would want to be treated.
CA LIC# CA-DBO394390
I first began my career in the mortgage business in 2002 when I was 22 years old as a loan processor. In 2006, I began working in sales by getting my real estate license to sell mortgages while doing real estate as well. I am a knowledgeable seasoned mortgage professional who has been a full-time loan consultant for the last 7 years. I have several 5-star reviews on Zillow and Facebook that speak for themselves. I am experienced in FHA, Conventional, VA, Non-QM, HELOC, & Jumbo Mortgage Loans for purchases along with refinances. I still have a real estate license, but do not currently work as a realtor.
I help people with excellent credit as well as those with credit challenges. Any loan consultant can do a loan for someone with excellent credit, but it takes a lot more skill to do a mortgage for someone that has credit issues. I advise people that did not qualify for a mortgage on the things they can work on in order to qualify to purchase a home or refinance. I analyze applications and credit to find ways to make things work. I have closed some challenging loans over the life of my career including mortgages that were denied by other lenders.
Whether you are buying your first home, an investment property or refinancing your mortgage, I can confidently help you from application to closing. I am a dedicated professional that provides quality mortgage services to my clients, but most of all I am a person that cares. I treat my clients like I would a good friend, most importantly the way I would want to be treated.
CA LIC# CA-DBO394390
Mortgage Education Videos
Reviews
9 Reviews
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01/10/2019
zuser201408301750381 from Antioch , CA via Zillow
(2020 Review) Rosemarie helped us get an awesome rate on our refinance. We locked in and let the lick expire so we could get a lower rate. She was patient and made sure we got the lower rate. All the while, she made the process understandable and easy for us. I HIGHLY recommend Rosemarie! (2019)Rosemarie is a spectacular lender. I met her as she called me from a zillow inquiry, and I was angry since I'd scheduled calls with folks and they did not keep their appointments. Rosemarie calmly responded to me, explaining that all sorts of people are contacting me and that she was separate from them. We continued to talk and she shared her wealth of knowledge with me, regarding what it takes to obtain a home loan. To say she is generous with her time and efforts would be ab understatement. Truly, in time, it felt like I was working with one of my close personal friends. Her kindness and gentle way of explaining all the details of the process are second to none. I am so lucky that she called me that day in October. I was very selective with my lender, I spoke with four other lenders, I was set on getting the type of loan I wanted, and on finding my dream home. Rosemarie came through, she delivered on every promise. That's what she does and who she is, reliable to the core. Not only did she talk details of the home-purchasing process with me, but she comforted me through stressful moments and cheered with me when all was a go. Her dedication to her job and helping her clients is incredible. I count myself blessed and lucky to have found Rosemarie. We are living in our dream home thanks to her work, dedication, and commitment to excellence. On top of it all, in a world of finance, loan-funding, and tons of paperwork, Rosemarie has a heart for the homeless, she reaches out and spends time helping homeless people. It seems like someone in her line of work would not necessarily even consider homeless people, but Rosemarie is different. She is a tender-heart, she is a hard-worker, she is a perfectionist. She is the person with whom you want to work when trying to buy a home. I am impressed by her and so pleased that she helped us along this difficult journey.
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05/13/2020
samuel03 from Richmond , CA via Zillow
I met Rosemarie almost a year ago, when I started thinking of buying. She would always regularly check in and asked if I was ready. We finally got serious this last Christmas, and she had me Pre-qualified. We started looking at multiple properties, made a few different offers, but I found my dream property, that I had to have. She knew it was also. She worked harder than any loan agent should ever have to, and with all the hiccups from me being self employed, tax returns etc, she fought right along side of me every step of the way. There we times that I felt like giving up, but she assured me, that we were in this together, and she followed through and made it happen!! I could write a novel on how great of a loan agent she is, but one of the most things I appreciated her for, is her drive to knockout anything in front of us, she met me after work, late hours, drove all the way to my office to help me with documents numerous times, and in the end, even after I closed, she regularly checks in and sees how I’m doing etc. So if you want a real teammate, someone to be by your side through this very tough process, You need to work with Rosemarie. And not only will I use her for everyone of my future deals, I also gained a Great friend from this, and she really means a lot to me. I couldn’t thank her enough, but she knows in her heart how much I do appreciate her.
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05/12/2020
Alissa from Tracy , CA via Zillow
We are so appreciative of Rosemarie guiding us through the process of refinancing. She made sure we got the best deal, and worked hard to keep us updated and informed on everything that was happening along the way. Whether it be an email or a phone call, she made us feel comfortable. Her kindness helped us know she was there to help, and after our families best interest. I would 100% recommend/refer Rosemarie as a lender, and I will use her again in the future if need be.
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03/21/2020
dpdog89 from Elk Grove , CA via Zillow
Rosemarie is simply the best, we couldn't have asked for a better person to do business with. We had some complications during our refinance process and she tried every avenue she could to help us figure it out. We ended up having to go to court which pushed the process out almost over a year and she was there every step of the way. During the time we had to wait for court, she checked in on us to see if she could help in any way. She also let us know how the market was doing and what the interest rates were changing to. Rosemarie made our interactions personal and made us feel like we were working with family and not someone that was interested in money. She was always willing to answer any of our questions or assist with something even when it meant a 9 pm conversation. During the entire process she never made it feel like we were an inconvenience and was always looking to a positive outcome that kept us going. Rosemarie, we can't thank you enough for all of your hardworking and patience during our refinance. We wouldn't have made it with out you!
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12/19/2018
Aaron and Cathy from Richmond , CA via Zillow
We were first time homebuyers and had many, many questions and Rosemarie answered them all. We communicated almost daily throughout the entire process. It took us several months to buy a house, with many ups and downs along the way. She kept a positive attitude throughout and was instrumental in us owning a home. Thanks Rosemarie!
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09/20/2018
Tiffany B. from Richmond , CA via Zillow
Rosemarie was excellent and went above and beyond our expectations. She was knowledgable, prompt, forthcoming, honest, organized, and extremely helpful during our interactions. She made sure we understood everything and kept us updated almost daily. She was very clear about what she needed from us which helped us get approved within days and were able to put in an offer almost immediately. We got lucky because our first offer was accepted! This is the best experience we've had with any Loan Officer and we plan on working with her again! Thanks again Rosemarie :)
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09/03/2018
Yuriko from Vallejo , CA via Zillow
I highly recommend Rosemarie Lombardo, as she was fabulous in helping my husband and I obtain a mortgage. As first time home buyers we had a lot of questions, Rosemarie was great at explaining things to my husband and I, and gave us plenty of useful information.we feel a lot more informed and educated on home mortgages thanks to her. She was also very quick in responding to my e-mails and inquiries. i certainly would encourage you to reach out to rosemarie she walked us through every step of the process. She's extremely professional, kind, and hard working and has a conatgious laugh :) - you'll be in great hands if you work with Rosemarie . Thank you for helping my husband and I with our home loan!
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05/17/2018
Tony & Clarissa Ward from Antioch , CA via Zillow
My husband and I stepped into the game of home buying without really knowing exactly how the process was supposed to play out. I was a nervous wreck because I had no clue what we were in for. Rosemarie was able to put my mind at ease and also explain every step of the way in terms that we could easily understand. Not only was she knowledgeable, but she also went above and beyond the call of duty to make sure that our family was able to get into our dream home. She was extremely accommodating by meeting with us close to our home; often times, the same day or within an hour of emailing us. She also worked around our schedules so there was no affect to our work schedules. I am extremely thankful for all the work that she put in for us and will continue to recommend her to my friends and family.
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02/17/2018
roneelsf from Elk Grove , CA via Zillow
Rosemarie was amazing walked me and my wife through everything. She was there every step of the way to make sure we knew what part of the process we were at and what is next. Buying a 1st home can be very stressful, but Rosemarie makes it easy without the stress.
Calculators
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