Chrystina Tovani

Stanford Mortgage

Consistently learning and evolving with the new trends in the market since 1985.
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Area Knowledge & Expertise!
Give me a try.  Let me put my experience to work for you.  
Welcome to my website!  This is the hub for  my mortgage blogs and the mortgage website as well as information on community activities from VFW Post 4647 in Antelope.  
 
You can find all of the information on the links above and to the side of this page.  If you need information about purchasing or refinancing a home, just give me a call, email or you can even go over to the mortgage website and fill out a loan application on the secure site.  It will automatically be sent to me.  I am happy to answer your questions and help you find the right loan product for your situation. 
 
 

Stanford Mortgage
Direct: (916) 761-1882

Email Me
Chrystina Tovani, CA Dept of Real Estate License 01118449



Your Satisfaction Is My Success
My goal is to make the process of getting a home loan affordable, efficient, enjoyable and rewarding for you.  Once we are finished with your escrow, I don't want to fade into obscurity!  NO!  LOL!  I want to earn your trust.  To be your mortgage consultant you turn to when you need professional advice for mortgage finance for you and your friends and your family for life.  That's the best compliment I could ever receive. 

You benefit from my experience!  

I got my start in the real estate industry in 1985 starting out in property management then went to work for a mortgage company in San Francisco and learned the ropes of processing loans and soon after I got my real estate license and went to work as a loan originator helping people purchase and refinance homes. For part of my career I worked in real estate sales so I do know how green the grass is on both sides of the fence.  One thing for sure is that I understand purchase contracts, which is very important when it comes to knowing what kind of loan program you will be applying for and how to fit that into the real estate contract so that if the seller needs to pay some of the closing costs I can let your Realtor know up front what type of loan and if the seller is going to need to cover some of the closing costs. 

The types of loans I can help you with are Purchase or Refinance, Conventional, VA insured loans, Reverse mortgages, Equity, Seconds, Fixed and ARM rates are available.  Check out my mortgage website for more information or you can email or call me at 916-761-1882





Friendly Helpful Service

I do my very best to provide my clients with the most affordable loan programs.  
Rates are lower than they have been in years.  Property prices are reasonably affordable.  It is possible to own a home for less than the cost of a rental property in some cases.
 
The types of loans I can help you with are Purchase or Refinance, Conventional, VA insured loans, Reverse mortgages, Equity, Seconds, Fixed and ARM rates are available.  Check out my mortgage website for more information or you can email or call me at 916-761-1882
 
Whether you want to purchase a home or refinance,
I am here to guide you through the process step by step.  
 

Serving Those Who Served!
Life Member, Ladies Auxiliary of Veterans of Foreign Wars

I enjoy being a life member of the Ladies Auxiliary of the Veterans of Foreign Wars of the United States, Post 4647 in Antelope, CA.  Growing up as a military brat in the Air Force, married to a Viet Nam veteran, helping the men and women who have fought to preserve our freedom is one of my highest passions.  I donate my time as the editor of the newsletter, and website administrator to VFW Post 4647 website, .  If you live in the Sacramento area and would like to know what you can do to help our veterans, I can put you to work!  <g>  Really.  I'm serious...

VFW Post 4647 is located in Antelope, CA.  The VFW does a great deal to help our veterans and their families as well as the community here in Sacramento.  Come and join us.  http://vfwpost4647.org/
 
 

Home Loans Sacramento -
I'm Your Guide
 
This is where I write opinions, insights about the real estate market, the community and articles about mortgage news and interesting information.  Updated regularly.





Sacramento VA Home Loans
Find out what you need to know and how to apply.
I've gathered all the information for you and put it on my blog. Some people think that VA loans are made by the Veterans Administration or the Government.  That is not true.  Most banks and brokerages can help you arrange for VA financing that is a government insured loan program for Veterans.  I can help you get all of your documentation in order and arrange the VA loan financing for you. 
 

 
Chrystina Tovani, Stanford Mortgage
California Department of Real Estate License 01118449  NMLS #241089 

Stanford Mortgage  Equal Housing Lender, CA license #DOCML-813G820. This is not a commitment to lend. Prices and guidelines are subject to change without notice. Restrictions apply.
 
© Chrystina Tovani 2010