5 Star Team NMLS 302159

Having been in the mortgage business since 2002, we can tell you there is no “cookie-cutter” home loan. Each person has a unique scenario, unique goals, unique aptitudes, and unique needs. The privilege of our job (and by far our favorite part!) is that we get to know our Clients on a human-to-human level. Only then can we be trusted guides and give advice that best serves YOU.

In our combined careers, we have personally funded over 2500 home loans totaling over $1 billion for our Clients. Even through the infamous housing crisis, our diligent work ethic and honest dealings with Clients and Realtors blessed us with enough repeat business and referrals to weather the storm.

So, what is our super-secret-ultra-complicated formula for success, you ask? Simple… we tell the truth, and we honor our commitments. The lending industry has undergone drastic changes. Many of these changes have made it more challenging to obtain a home loan efficiently, timely, and stress-free. That's why it is more important than ever to align yourself with trustworthy professionals who can guide you through the loan process with expertise and empathy.

Our experience, knowledge, and technical skills are complimented by excellent communication. We ensure you understand your loan options and know what to expect through each step of the process. Indeed, we value and appreciate the opportunity to work for you, as does the entire team here at Point Equity Residential Lending. Now, let us prove it!

Respectfully, Sherene

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Excellence In Lending 

Our mortgage team is dedicated to one thing. You. We work together to give you the smoothest home loan experience possible. Because we each have our role, we can concentrate on helping you with our expertise, creating a mortgage process that moves quickly from milestone to milestone. Our commitment to communication means you will always know what’s happening as your loan progresses, and you can reach out with your questions anytime. We offer a wide range of loan programs, from FHA and VA to conventional and jumbo. We have the knowledge and experience to find the right loan for you. Whether buying, refinancing, or renovating, our team is ready to give you the outstanding mortgage experience you deserve.

Purchase Loan

Congratulations!  Whether this is your first new home or your second or third, we're here to help you secure financing.


As rates move you can save on your monthly payment, or use your home's equity to finance  other important things.

Apply Now

Use our convenient and secure online application form to get started today!

Sherene Gray

Loan Officer

NMLS #302159

925 Highland Pointe Dr. Suite 330
Roseville, CA 95678
Email: sherene@pointequity.com
Phone: (916) 742-7724
Mobile: (916) 798-8026

What People Are Saying

The 5 Star Team has over 500 positive reviews across central valley and Northern California.  Whether it's a purchase or a refinance, we don't stop until you're satisfied.

Sherene fought to get me the best loan possible, and kept tabs on my timeline and the best time to lock in. She also spent extra time doing her best to source an aspect of a loan I was (mistakenly) pretty sure was available. Even though I turned out to be wrong, in the end, I was confident she searched high and low. And still, I ended up with a really solid, low interest loan.

Bradley Wilkins

Roseville, CA

Sherene thoroughly explained the process and was always responsive to my questions. I was able to complete the application and submit all of the documents from home. The entire process was easy and fast. Best refinancing experience with a great rate and a reduced monthly payment.

Mary Watanabe

Rocklin, CA

Sherene kept in good communication with us throughout the process. She laid out exactly what was needed. She helped us figure out a challenging situation. She was a referral to us by a friend and we will for sure recommend her to any friends who are looking to purchase or refinance a home. We had an approval letter from another lender but we chose to use Fairway because of Sherene. We're in our new home because of her customer service.

Sean Parsons

Lincoln, CA

Sherene was so amazing to work with! She answered every question we had and explained our options thoroughly. I truly feel like she had our best interest at heart throughout the entire process. She made sure everything went smoothly and kept us informed every step of the way. We feel so fortunate to have worked with her and look forward to working with her again in the future.

Briana Korn

Elk Grove, CA

Sherene was extremely communicative and thorough. She kept us apprised of our status and even told us when we wouldn't be hearing from her for a few days. She also fought to lock in a good rate for our loan. I would definitely recommend Sherene to anyone trying to get a mortgage loan!

Blair Barnes

Sacramento, CA

With You Every Step of the Way

 Whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage, here's an amazing team behind each loan we process - dotting the i's and crossing the t's - to ensure we get our clients and their families funded.

Know more.

Empower yourself with knowledge to make smart decisions. These helpful tools and resources will help you enjoy the process of getting a home loan, and feel
confident in your financing choices. 

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Contact us

(916) 248-4620