--- title: Point Equity - Mortgage Made Human description: We're a small family oriented mortgage broker in Roseville, CA, focused on helping families make the best residential lending decisions possible. Whether it's your first home or your fifth, we're determined to help you enjoy the experience of owning or refinancing a home. It's mortgage made human. image: https://www.pointequity.com/hubfs/Nelson%20Family%20Photo-cropped.png --- [![916-248-4620](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e) [![Apply Now](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df) [![Point Equity](https://www.pointequity.com/hs-fs/hubfs/Point_Equity_April2018/Images/point_logo3.png?width=120&name=point_logo3.png "Point Equity")](https://www.pointequity.com/) ** # **Find the mortgage that fits *your* family**. No two families are the same. We'll match you up with your best home loan, and handle the details so you can relax. [![Get A Free Quote](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/0e7e38e8-4702-408c-9a30-0f2e855af4ca.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/0e7e38e8-4702-408c-9a30-0f2e855af4ca) ![Point Equity's Nelson Family](https://www.pointequity.com/hs-fs/hubfs/Nelson%20Family%20Photo-cropped.png?width=2048&name=Nelson%20Family%20Photo-cropped.png "Point Equity's Nelson Family") ## **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.  [![](https://www.pointequity.com/hubfs/Man%20Thinking%20of%20Home%20(Blue%20House).png) ](https://www.pointequity.com/blog/psychology-of-home-shopping) ## [The Psychology of Falling Out of Escrow](https://www.pointequity.com/blog/psychology-of-home-shopping) April 15, 2025 Or why losing your favorite dessert can be like shopping for your dream home. You head out for ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Dream Home](https://www.pointequity.com/blog/tag/dream-home), [Mortgage Rates](https://www.pointequity.com/blog/tag/mortgage-rates), [2025](https://www.pointequity.com/blog/tag/2025), [buying](https://www.pointequity.com/blog/tag/buying), [first time home buyer](https://www.pointequity.com/blog/tag/first-time-home-buyer), [mortgage market](https://www.pointequity.com/blog/tag/mortgage-market) | 4 MIN READ [Learn More](https://www.pointequity.com/blog/psychology-of-home-shopping) [![](https://www.pointequity.com/hubfs/Two%20Boys%20Eating%20Ice%20Cream.png) ](https://www.pointequity.com/blog/speculation-is-hard) ## [Why Predicting Mortgage Rates IS HARD (And What ...](https://www.pointequity.com/blog/speculation-is-hard) March 16, 2025 To understand why prediction is hard, look no further than a short story about my kids + ice cream. ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Dream Home](https://www.pointequity.com/blog/tag/dream-home), [Mortgage Rates](https://www.pointequity.com/blog/tag/mortgage-rates), [2025](https://www.pointequity.com/blog/tag/2025), [buying](https://www.pointequity.com/blog/tag/buying), [first time home buyer](https://www.pointequity.com/blog/tag/first-time-home-buyer), [mortgage market](https://www.pointequity.com/blog/tag/mortgage-market) | 4 MIN READ [Learn More](https://www.pointequity.com/blog/speculation-is-hard) [![](https://www.pointequity.com/hubfs/Wood%20Blocs%20Spelling%202025%20with%20Wooden%20Toy%20House.jpeg) ](https://www.pointequity.com/blog/buying-a-home-in-2025) ## [Buying in 2025 - Some Things to Know if You Plan ...](https://www.pointequity.com/blog/buying-a-home-in-2025) December 31, 2024 If you’re considering buying a home in 2025, understanding the market landscape can help you make ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Dream Home](https://www.pointequity.com/blog/tag/dream-home), [Mortgage Rates](https://www.pointequity.com/blog/tag/mortgage-rates), [2025](https://www.pointequity.com/blog/tag/2025), [buying](https://www.pointequity.com/blog/tag/buying), [first time home buyer](https://www.pointequity.com/blog/tag/first-time-home-buyer), [mortgage market](https://www.pointequity.com/blog/tag/mortgage-market) | 4 MIN READ [Learn More](https://www.pointequity.com/blog/buying-a-home-in-2025) ![Point Equity's Glaser Family Photo](https://www.pointequity.com/hs-fs/hubfs/Glaser%20Family%20Photos-cropped.png?width=1415&name=Glaser%20Family%20Photos-cropped.png "Point Equity's Glaser Family Photo") # To us, you are family. ##### "The Point Equity team is steller! When I had illusions of going with a higher limit than I had originally set, they gently reminded me of the reason I had set those limits. No pressure, great giuidance, kept me very well informed and his team moved fast when it was time to make my move. ##### I just love my home. And yes... even the payment!" ##### *- Traversi Family, 2018* [![Meet Our Clients](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/477d923c-8580-4940-a8aa-e1ad8d481ad1.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/477d923c-8580-4940-a8aa-e1ad8d481ad1) Nelson Family, Clients Since 2016 ## **Mortgage made human. ** ## The best mortgage is one that fits your life. ![Learn More-2](https://www.pointequity.com/hs-fs/hubfs/Learn%20More-2.png?width=200&name=Learn%20More-2.png) Empower yourself to make smart home financing choices.  [![Read Our Blog](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/2d8ce0d8-9a98-49f1-98eb-2269f8e18101.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/2d8ce0d8-9a98-49f1-98eb-2269f8e18101) ![Find a Loan](https://www.pointequity.com/hs-fs/hubfs/Find%20a%20Loan.png?width=200&name=Find%20a%20Loan.png) Choose the loan program that works for you and your family. [![Get A Free Quote](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/0e7e38e8-4702-408c-9a30-0f2e855af4ca.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/0e7e38e8-4702-408c-9a30-0f2e855af4ca)  ![Get PreApproved-1](https://www.pointequity.com/hs-fs/hubfs/Get%20PreApproved-1.png?width=200&name=Get%20PreApproved-1.png) Get Pre-Approved so you can move quickly when you find your dream home. [![Apply Online](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/366e3de8-afcc-4af8-b2cc-cdb6fda0b91a.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/366e3de8-afcc-4af8-b2cc-cdb6fda0b91a) ## **This is all about you.** We're extremely proud of our work. See what people say about working with Point Equity. ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo3.png?width=220&height=59&name=point_logo3.png) Point Equity was truly a pleasure to work with. They have a rock star team that gave us an actual edge over other home buyers as well. I can't recommend them enough! #### Craig L. ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo3.png?width=220&height=59&name=point_logo3.png) They're awesome. Always very responsive. And they don't miss any details; all the loans and underwriting sail thru without a hitch. You need the when you're competing for a home. Very glad we found them. Highly recommended. #### Mike F. Roseville, CA ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo3.png?width=220&height=59&name=point_logo3.png) Every option was explained and what kind of impact would have on short or long run. Everything was transparent - no bundled confusing fees. Process was simple what made home purchase much easier. This is how it should be done. #### Lana M. San Francisco, CA ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo3.png?width=220&height=59&name=point_logo3.png) Thanks to Justin, Courtney and the gang for helping us realize our dream of moving to the North Coast of California. No hassle. No fuss. Just great service, advice and help from a great crew. #### LeeAnn D. Roseville, CA ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo3.png?width=220&height=59&name=point_logo3.png) They know what they are doing, my refinance and purchase went so smooth and quick! I work at a financial institution and see people all the time so fed up with the mortgage process but they walk you through everything and make it easy! I would never use any other mortgage company!! #### Raynelle Ione, CA ![Point Equity Residential Lending Logo](https://www.pointequity.com/hs-fs/hubfs/point_logo3.png?width=220&height=59&name=point_logo3.png) Super Helpful, Extremely Patient. Made the refinance process so easy and painless. Even arranged for someone to come to my house to sign the paperwork. #### Daman B. Sacramento [![point_logo](https://www.pointequity.com/hs-fs/hubfs/point_logo.png?width=1849&name=point_logo.png "point_logo")](https://www.pointequity.com) Point Equity Residential Lending 915 Highland Pointe Dr. Suite 160 Roseville, CA 95678   [Local: (916) 248-4620](tel:9162484620) [Toll Free: (888) 551-5110](tel:9995515110) Fax: (916) 914-2306 [info@pointequity.com](mailto:info@pointequity.com) ##### [Buy a Home](https://www.pointequity.com/buy-a-home) ##### [Refinance](https://www.pointequity.com/refinance) ##### [About Us](https://www.pointequity.com/about-us) ##### [Join the Team](https://www.pointequity.com/join-the-team) ##### [Contact Us](https://www.pointequity.com/contact-us) ##### [Resources](https://www.pointequity.com/blog) ### Subscribe to our Newsletter! Point Equity Residential Lending, NMLS ID 1404205. [NMLS Consumer Access Link](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1404205)    Main Office is at 915 Highland Pointe Dr. Suite 160, Roseville, CA 95678. Telephone Number: 916-248-4620. Equal Housing Lender. Licensed in: California (60DBO-56023 & 01987090), Idaho (MBL-2081404205), Washington (CL-1404205). Information, rates, and programs are subject to change without notice and may not be available in all states. This is not an offer to enter into an agreement. All products are subject to credit and property approval.   © Copyright  2020 Point Equity Residential Lending | [Privacy Policy](https://www.pointequity.com/privacy-policy) | [Disclaimer](https://www.pointequity.com/disclaimer)   All information contained herein is for informational purposes only, and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states, and restrictions apply. Equal Housing Opportunity. [**](https://www.facebook.com/pointequity/) [**](https://www.linkedin.com/company/pointequity/) [**](https://www.instagram.com/pointequity/)