Sacramento-based Loan Officer with 20 years experience in home and investment property financing across the Bay Area and Del Norte County. I prioritize understanding your long-term financial goals to secure the optimal loan solution. My commitment stems from a personal experience with a poorly structured loan, fueling my passion for informed guidance. Dispelling mortgage myths, like the need for a large down payment, is my specialty. I empower families to achieve homeownership dreams. NMLS# 502317. Contact me to navigate your mortgage journey with confidence. Brandee.Stephens@summitfunding.net (916) 956-3686. Summit Funding, Inc. NMLS ID #3199 (www.nmlsconsumeraccess.org).