NCM Lending - Grass Valley California

NCM Lending - Grass Valley California Your home. Your loan. Your trusted local mortgage team. CA DRE 01851459 | NMLS 235599

Credit scores can feel confusing, especially with so much misinformation floating around online. 💳 Understanding what ac...
05/27/2026

Credit scores can feel confusing, especially with so much misinformation floating around online. 💳

Understanding what actually impacts your score can help you make more confident financial decisions, whether you’re planning to buy a home soon or simply preparing for the future.

A little knowledge goes a long way toward building strong financial habits over time. The more informed you are, the more empowered you become throughout the homebuying journey.

Memorial Day means something deeper than the start of summer. It's a day to gather with the ones we love and remember th...
05/25/2026

Memorial Day means something deeper than the start of summer.

It's a day to gather with the ones we love and remember the ones who made that possible.

🇺🇸 Wishing everyone a meaningful day filled with gratitude and grace.

05/21/2026

See you out there!

Visit Historic Colfax has put together some great events in the past, and this years 2026 summer concert series on Main Street looks to be kicking off another great summer!

🚪 Doors open at 5PM
🎤 Michael James Cox · 6:00PM
🎸 Wayward Buffalo · 7:30PM
📍 Art Park · South Main Street · Historic Downtown Colfax

⛱️☀️Bring a chair

A little prep work before you start house hunting can make a huge difference in your experience 🏡✨ Knowing your numbers ...
04/29/2026

A little prep work before you start house hunting can make a huge difference in your experience 🏡✨

Knowing your numbers upfront helps you shop with confidence and avoid any surprises along the way. It also puts you in a stronger position when you’re ready to make an offer. I’m here to help you get clear on what’s realistic for your budget and your goals.

Send us a message and let’s get you set up for success!

Thinking about updates? Smart renovations can do more than improve your space; they may also strengthen your home’s long...
04/28/2026

Thinking about updates? Smart renovations can do more than improve your space; they may also strengthen your home’s long-term value. 🏡

Whether you're planning small upgrades or a larger remodel, having the right financing strategy in place can make all the difference.

If you’d like to explore options for funding your next project, send us a message and let’s talk through your goals!


We're here to shed light on an essential aspect of homeownership: property taxes. 📚🏠 Researching property tax rates and ...
03/04/2026

We're here to shed light on an essential aspect of homeownership: property taxes.

📚🏠 Researching property tax rates and understanding local policies before buying or selling can empower you to make intelligent real estate decisions.

Please send us your questions; we're ready to help!

A strong down payment can boost your buying power, save you money on interest, and build long-term wealth faster. Still,...
02/20/2026

A strong down payment can boost your buying power, save you money on interest, and build long-term wealth faster.

Still, you don’t need a huge upfront amount to become a homeowner. From low-down-payment loans to down payment assistance programs, there are more paths than ever.

Contact us and we can help you understand your options.

Closing is an important part of finalizing every real estate transaction. We've closed in as little as 9 days, but typic...
02/03/2026

Closing is an important part of finalizing every real estate transaction. We've closed in as little as 9 days, but typically you can expect escrow to be about 30-45 days.

If you have questions about what to expect just leave us a comment. We're here to help.

Big goals feel much more achievable when there’s a clear plan in place. 🏡📝 Understanding your budget, timeline, and fina...
01/27/2026

Big goals feel much more achievable when there’s a clear plan in place. 🏡
📝 Understanding your budget, timeline, and financing options early can take a lot of the guesswork out of the process. A little preparation now can save time and stress later.
We're here to help you map things out in a way that feels realistic and supportive.
Ready to take that first step? Let’s connect and start planning.

Think you need 20% down to buy a home?🏡❌Not true. Many first-time homebuyers can qualify with as little as 3% down.That ...
01/21/2026

Think you need 20% down to buy a home?🏡
❌Not true. Many first-time homebuyers can qualify with as little as 3% down.

That means homeownership may be closer than you think.
Less Waiting. More planning. Smarter options.

Curious if you qualify? Let's talk.



Sheila Tobin, Senior Mortgage Advisor
Lois Jones
Stephanie Smith - Mortgage Broker - Real Estate

Address

175 Joerschke Drive, Ste R
Grass Valley, CA
95945

Telephone

+15302715500

Website

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