Business Details
Your Trusted Mortgage Partner in Roseville, CA
Catalyst Mortgage is committed to providing clients with high-quality financial services and competitive mortgage rates tailored to individual needs. Our team of experienced loan officers prioritizes transparency, personalized guidance, and community trust. We specialize in purchase loans, refinancing, and home equity solutions, ensuring clients receive customized financing options without the overhead costs of large banks.With a focus on education and clear communication, we empower clients to make informed decisions about their home financing. Our dedication to client satisfaction is reflected in our streamlined processes, responsive support, and a proven track record of successful transactions. We operate with integrity, maintaining secure and private client information while fostering lasting relationships through exceptional service.
Services
Purchase Loans
Refinance Options
Home Equity Lines
VA Loans
FHA Loans
Jumbo Loans
Reverse Mortgages
Self-Employed Loans
USDA Loans
Cash-Out Refinance
Highlights and features
- Our loan officers have decades of combined experience in mortgage financing.
- We offer competitive rates with no hidden fees or excessive overhead costs.
- Personalized loan solutions tailored to your unique financial situation.
- Transparent communication and education about mortgage options and processes.
- Proven track record of fast, stress-free transactions with client-focused support.
What people say
Professional, fast, and get the job done
Knowledgeable and patient guidance
Completed refinance in 15 days
Transparent pricing with no hidden fees
Exceeded expectations in communication
Services
Purchase Loans
Our purchase loan programs help clients secure financing for primary residences, investment properties, or second homes. We offer conventional, FHA, VA, and USDA loans with competitive rates and flexible terms. Our team guides clients through pre-approval, documentation, and closing to ensure a smooth transaction process.
Refinance Options
We provide rate-and-term refinancing, cash-out refinancing, and streamline options to help clients reduce monthly payments or access home equity. Our process includes rate comparisons, break-even analysis, and documentation support to maximize financial benefits for homeowners.
Home Equity Lines
Our home equity lines of credit offer flexible access to funds for renovations, debt consolidation, or major expenses. We provide competitive interest rates, clear repayment terms, and personalized guidance to help clients leverage their home equity responsibly.
VA Loans
Specialized mortgage solutions for eligible veterans and service members with zero down payment options and favorable terms. Our VA-approved lenders assist with benefit verification, application, and streamlined processes to honor military service through accessible homeownership.
FHA Loans
FHA-insured loans for first-time buyers or those with lower credit scores, requiring minimal down payments. We offer FHA 203(b) loans, 203(k) renovation loans, and streamline refinancing with expert guidance on eligibility requirements and application processes.
People
Jeremy Castro
Senior Loan Officer
Jeremy Castro brings over 15 years of mortgage industry experience, specializing in purchase loans and refinancing. Known for clear communication and personalized service, he helps clients navigate complex financing options while maintaining a 98% client satisfaction rate across 1,200+ transactions.
Duc-Hanh Nguyen
Mortgage Consultant
Duc-Hanh Nguyen specializes in refinance solutions and first-time homebuyer programs. With a decade of experience, she focuses on transparent pricing education and has facilitated over $200M in loan volume while maintaining a 5-star client review average.
Matt Matsuda
Loan Production Manager
Matt Matsuda oversees loan origination operations with 18 years of expertise in non-QM loans and self-employed financing. He leads a team that processes 300+ loans annually, emphasizing fast turnaround times and innovative solutions for unique financial situations.
Karin Williams
Branch Manager
Karin Williams manages Catalyst Mortgage's Roseville office with 12 years of experience in real estate transactions. She specializes in seller financing solutions and has coordinated 500+ successful closings by bridging communication between buyers, sellers, and lenders.
Vadim Feygenberg
Underwriting Director
Vadim Feygenberg leads the underwriting department with expertise in jumbo loans and complex property types. His 14-year career includes developing risk assessment protocols that maintain a 99.6% loan approval accuracy rate while expediting decision timelines.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, USDA, jumbo, reverse mortgages, HELOCs, and specialized programs for self-employed borrowers with competitive rates and flexible terms.
How quickly can you close a mortgage loan?
Our average purchase loan closes in 21 days and refinances in 15 days through streamlined processes, though timelines vary based on property type and documentation completeness.
Do you offer online mortgage applications?
Yes, we provide digital application tools with secure document upload and real-time status tracking while maintaining personal loan officer support throughout the process.
Can you help with low credit score mortgages?
Our FHA loan program requires as low as 580 credit score with 3.5% down payment. We also offer credit improvement guidance for clients seeking better loan terms.
What areas do you serve?
We primarily serve California's Sacramento Valley region including Roseville, Sacramento, Rocklin, and Auburn with licensed operations in 42 states nationwide.
Do you offer mortgage rate locks?
Yes, we provide rate lock options for purchase transactions up to 60 days with float-down provisions to protect against market fluctuations during the loan process.
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