NKS Financial provides residential mortgage financing for homebuyers, homeowners, and real estate investors. We offer Conventional, FHA, VA, USDA, Jumbo, First-Time Homebuyer, Down Payment Assistance, Reverse Mortgage, Bank Statement, DSCR Investor, Non-QM, Self-Employed Borrower, HELOC, Home Equity, Bridge, Renovation, Construction, and refinance loan options. With more than 30 years of mortgage experience, we help clients determine which financing strategy best fits their needs and long-term financial goals. Whether you're purchasing your first home, moving up, investing in real estate, refinancing, or accessing home equity, we guide you through the options and help simplify the mortgage process. Our approach is based on mortgage planning—not simply selling a loan. We take the time to understand each client's financial situation and provide personalized guidance from application through closing. NKS Financial, Inc. | Licensed by the California Department of Real Estate #01146961 | Neal Smith NMLS #76186 | Equal Housing Opportunity
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Every person counts, every situation is different, and I am here offer the best options available for YOU, while making this process smooth
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I offer and specialize in many home financing products to include the standard financing of conventional, jumbo, FHA or VA loans. I also offer a wide range of other mortgage products to make your dreams a reality to include construction, renovation and niche loan products using alternative documentation for approval. No matter if you’re buying, refinancing, or renovating, I’m ready to give you an outstanding mortgage experience. Please reach out to me anytime via phone or email with questions or to get started.
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Real Estate Sales - Commercial & Residential Property Management
PRMG Mortgage and the #ChampionsofLoans Team in Sacramento, voted #1 in the area, delivers personalized home financing solutions. PRMG Inc. (NMLS #75243) has helped homeowners purchase and refinance for over a decade and is one of the top 13 largest independently owned mortgage lenders. As a technology-based, direct lender/servicer, PRMG lends nationwide while providing personal service. From first-time homebuyer programs to multi-million-dollar loans, PRMG offers competitive rates and expert guidance. Trust the award-winning PRMG Sacramento team for all your mortgage needs.
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