Home Loans by Christy McCoard Nmls#1996421

Home Loans by Christy McCoard Nmls#1996421 More than a lender, we change lives.

One home at a time, one loan at a time, we help our Military and our local communities achieve their dreams of homeownership.

Success doesn’t always come with simple tax returns.Many luxury buyers earn income through businesses, investments, part...
04/16/2026

Success doesn’t always come with simple tax returns.

Many luxury buyers earn income through businesses, investments, partnerships, or multiple streams. Traditional mortgage guidelines weren’t built for that.

This luxury loan program was designed for complex income, so your financial picture can be evaluated more accurately.

Luxury home financing that works for the way you actually earn.
https://myoc.io/ChristyMcCoard



NMLS # 1996421

04/14/2026

A home equity line of credit (HELOC) can be a powerful financial tool—and it’s not just for buying your next home.
A HELOC allows you to borrow against the equity you’ve built in your home, and you make payments on only the amount you actually use. That flexibility means you can access funds when you need them for a variety of goals.
Homeowners commonly use a HELOC to:
✔️ Cover home improvements or renovations
✔️ Consolidate higher-interest debt
✔️ Fund major life expenses like tuition or travel
✔️ Create a financial cushion for unexpected expenses
✔️ Help bridge the gap when moving to a new home
If you’re planning to sell your home and want to use a HELOC as part of your move strategy, it’s important to set it up before your home is listed for sale. Once a property is on the market, most lenders will no longer allow a new HELOC to be opened.
https://myoc.io/ChristyMcCoard



NMLS # 1996421

04/09/2026

April is Financial Literacy Month—the perfect reminder that understanding your money is the first step toward building wealth and achieving homeownership.

Whether it’s budgeting, credit, or mortgage options, a little knowledge goes a long way.

Have questions? I’m here to help make it simple.
https://myoc.io/ChristyMcCoard



NMLS # 1996421

🏡🏋️‍♂️ Financial Health = Less Stress! 🏋️‍♀️🏡Did you know that homeownership can improve financial wellness? With stable...
04/07/2026

🏡🏋️‍♂️ Financial Health = Less Stress! 🏋️‍♀️🏡
Did you know that homeownership can improve financial wellness? With stable payments and building equity, it’s an investment in both your future and your peace of mind. Let’s make 2025 the year you invest in a healthy financial future!
https://myoc.io/ChristyMcCoard



NMLS # 1996421

Whether it’s life, goals, or homeownership… timing looks different for everyone.And that’s okay.https://myoc.io/ChristyM...
04/07/2026

Whether it’s life, goals, or homeownership… timing looks different for everyone.
And that’s okay.
https://myoc.io/ChristyMcCoard



NMLS # 1996421

04/05/2026

However you celebrate, we’re wishing you the happiest Easter filled with peace, love, and jellybeans. 🐇🌸✨
https://myoc.io/ChristyMcCoard

NMLS # 1996421

Bold wallpaper… love it or leave it?Where would you use this: bedroom, bathroom, or nowhere at all?https://myoc.io/Chris...
04/02/2026

Bold wallpaper… love it or leave it?
Where would you use this: bedroom, bathroom, or nowhere at all?
https://myoc.io/ChristyMcCoard



NMLS # 1996421

It’s a tall order to top this April Fools’ energy—but we’re always up for a challenge. Stay silly, friends!https://myoc....
04/01/2026

It’s a tall order to top this April Fools’ energy—but we’re always up for a challenge. Stay silly, friends!
https://myoc.io/ChristyMcCoard

NMLS # 1996421

No matter which construction loan option you choose, permanent financing is an important part of the process.With a one-...
03/26/2026

No matter which construction loan option you choose, permanent financing is an important part of the process.

With a one-time close, your permanent mortgage is already approved and locked in before construction begins. As your home nears completion, the focus is simply on final inspections and receiving the certificate of occupancy so you can move in.

With a two-time close, permanent financing is prepared toward the end of construction. Your Loan Advisor will collect updated documentation, order a final appraisal, and submit the loan for underwriting so your permanent mortgage is ready once the home is complete.

Understanding this timing helps ensure a smooth transition from construction to move-in day.
https://myoc.io/ChristyMcCoard



NMLS # 1996421

Ready to build your future? Our construction financing is here to help you bring your dream home to life. Let’s make tho...
03/24/2026

Ready to build your future? Our construction financing is here to help you bring your dream home to life. Let’s make those blueprints a reality—together!
https://myoc.io/ChristyMcCoard

NMLS # 1996421

Address

Roseville, CA
95635

Telephone

+15304011921

Website

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