MIKE LANDRUM
Realtor & Mortgage Loan Originator

LOAN ORIGINATOR LICENSED IN CA AND 30+ STATES

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CA Realtor

Assisting buyers and sellers as a Real Estate Broker associate for Wesely & Associates.

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Loan Originator

Arranging home loans as a broker associate for both Xpert Home Lending and Answer Home Loans across 34 states and counting.

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Choose your state to create your account and begin your application

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Mike Landrum is a loan originator located in Sacramento and licensed with mortgage brokers in all of California and 30+ states. (See full map of licensed states). With years of experience in both residential and commercial mortgages, Michael can guide you and your family throughout the process of completing a mortgage loan application, and work hard to find you the best low-interest rate mortgages.

Mike has access to hundreds of low-interest rate mortgage loans from mortgage lenders throughout the United States. He is knowledgeable in a range of mortgage options to match your finances and can find you the right loan – all with personalized service and support.

Loan Qualification

We will assist you in finding the right loan and help you complete the qualification process to secure a low rate.

Education and Guidance

Beyond helping you secure the right loan, we want to be your resources in home financing, helping you with questions, loan types, and more.

Ongoing Support

Michael is available to help you with every step of the loan process, and is a great choice for the self-employed and those with complex financial histories.


Types of Mortgage Loans

30 Year Fixed-Rate Mortgage

The traditional home loan, a 30 year fixed rate mortgage provides a low interest rate that stays fixed over the lifetime of your loan. It is the best loan for homebuyers planning to live in their new home for at least seven years.

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30 Year Fixed-Rate Mortgage

The traditional home loan, a 30 year fixed rate mortgage provides a low interest rate that stays fixed over the lifetime of your loan. It is the best loan for homebuyers planning to live in their new home for at least seven years.

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15 Year Fixed Rate Mortgage

15 year fixed rate mortgages are a great choice for those that have some financial flexibility and want to pay off their home faster and with a low interest rate. It is also a great choice for those refinancing their home loans after their financial health has changed.

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15 Year Fixed Rate Mortgage

15 year fixed rate mortgages are a great choice for those that have some financial flexibility and want to pay off their home faster and with a low interest rate. It is also a great choice for those refinancing their home loans after their financial health has changed.

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Low Interest Refinancing

Refinancing is a great choice for current homeowners that would like a lower interest rate, better mortgage terms, PMI removal, or would like to get cash back from their equity for a home upgrade or to pay off debt.

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Low Interest Refinancing

Refinancing is a great choice for current homeowners that would like a lower interest rate, better mortgage terms, PMI removal, or would like to get cash back from their equity for a home upgrade or to pay off debt.

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Commercial Lending

We can partner with you to determine which commercial mortgage loan type is the best fit for your business venture in California, Arizona, and Colorado area. Our experience with commercial mortgage lending enables us to secure a loan that fits with your investment or your business’s financial goals.

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Commercial Lending

We can partner with you to determine which commercial mortgage loan type is the best fit for your business venture in California, Arizona, and Colorado area. Our experience with commercial mortgage lending enables us to secure a loan that fits with your investment or your business’s financial goals.

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OUR CUSTOMERS

First Time Homebuyers in El Dorado Hills, CA

A low interest loan was able to help these homebuyers in El Dorado Hills finance…

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Condo in Elk Grove

After returning from active duty, this veteran was able to secure a VA loan through…

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Custom Home Build in Folsom

When these homeowners decided the time was right to build their dream home in Folsom,…

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Refinance in Fair Oaks

Our options for low-interest rate mortgage refinancing enabled this helped a Fair Oaks family save…

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Family Home Purchase in Sacramento

His Team helped this family of 4 secure a low down payment loan to purchase…

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Latest Mortgage News

Understanding Hard Money Loans and If They Fit Your Real Estate Investment Strategy

 Understanding Hard Money Loans and If They Fit Your Real Estate Investment Strategy 150 150 admin
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Investing in commercial real estate offers the potential for excellent returns, but it is often a rapid process that requires a significant amount of purchasing capital. These characteristics are not…

Balancing Leverage and Down Payment in Commercial Real Estate Loans

 Balancing Leverage and Down Payment in Commercial Real Estate Loans 150 150 admin

As with any real estate mortgage, almost every type of commercial real estate loan requires a down payment against your borrowing. The average amount is 25 to 30% for commercial…

Key Factors to Remember When Applying for Commercial Real Estate Loans

 Key Factors to Remember When Applying for Commercial Real Estate Loans 150 150 admin

Investing in commercial real estate or expanding your growing company with a loan that lets you purchase new operating space can be a powerful financial move. But commercial lending is…

Buying a Home at a Time With Rising Interest Rates

 Buying a Home at a Time With Rising Interest Rates 150 150 admin

Interest rates have been rising. After years of some of the lowest interest loans in the history of the United States, changes in the economy have pushed interest rates up,…

Mike Landrum works with borrowers, buyers, and sellers throughout California, and originates loans in 30+ states, providing the expertise and support they need to explore all of the available financing solutions. First-time homebuyers, those upgrading or downgrading, those purchasing or building their dream home, and those refinancing an existing home can depend on Michael as their mortgage loan officer with service that is:

Fast

Our application and approval process for loans is fast and as streamlined as possible to get you to your mortgage on time and without unnecessary delays.

Reliable

Buying, building, or refinancing a home can be complex. Mike keeps track of your finance-related details and deadlines to ensure all parts of the process are completed on time.

Professional

Michael is consistently professional and friendly, giving you a loan officer you will enjoy working with and trust to get you to the right financial decisions.

Contact Us

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    Give Mike Landrum a call at (916) 813-9306 and let’s get started finding the right home loan for you!

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