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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm

Catalyst Mortgage - NMLS #236492

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United States
Roseville, CA
Catalyst Mortgage - NMLS #236492

Welcome to the Catalyst Mortgage page! We are Sacramento based direct mortgage lender serving customers across the US!

We offer home purchase, refinance, and HELOC/2nd mortgage products. Visit CatalystMortgage.com for more information. At Catalyst Mortgage, we work with a wide range of clients, from first-time homebuyers, to existing homeowners, to investors looking to obtain property for their investment portfolios. We offer exceptional customer service with round-the-clock attention to our clients' files to ensu

re a speedy transaction time. Licensed by the Department of Business Oversight, NMLS 236492
Equal Housing Lender

01/06/2026

Buying a home on your 2026 to-do list? If so, these can be helpful tips to prepare. But our REAL #1 tip is to reach out to us to help prepare! Important to note about these tips...

1) You may or may not need to reduce debt to buy a home, but a debt analysis with one of our loan officers will let you know the best path forward

2) A down payment helps open the door to certain loan options, but for many people, a down payment isn't even required - again, a discussion with a loan officer will let you know your options and the best path forward

3) Closing costs vary a ton by state, and in some markets, it's easier to get sellers to help contribute toward closing cost assistance than others. Guess what can help you decide the best strategy and how much cash you'll actually need? (Hint: It's a discussion with one of our loan officers!)

4) Just like with down payment, loan options vary a lot based on credit score - but programs exist with anyone with a credit score of 500 or higher - any guesses how you can find out what your options are (You should be sensing a theme by now)

5) Any idea who can help you with a preapproval? (Yep...one of our loan officers!)

A quick discussion with a Catalyst loan officer can help set you on the path to homeownership and have you prepared and confident along the way - reach out today with any questions you have!

12/29/2025

As rates go down, pending sales (the number of homes under contract) pushes up - this has been consistent, with mortgage applications rising each time rates dip.

Rates have come down in Q4, and with that trend expected to continue, we expect more buyers to be competing for somewhat limited home inventory in 2026.

If home ownership (or a lower rate!) is one of your resolutions as we head into the new year, we're here to help!

Questions? Curious about how to get started? Want a FREE, no-pressure rate quote for your specific situation? Need help determining costs or what you qualify for? Link to get easy and fast answers is in the comments.

12/22/2025

Wishing you & your loved ones all the very best for a wonderful holiday season and a very happy New Year!

We hope your season is filled with joy, peace, and plenty of laughter!

12/18/2025

When inflation goes down, rates go down, and today, inflation went down.

If you've been on the fence about buying a home or waiting for a rate drop to refinance, now might be a great time to give us a call - as we head through the holidays and into the new year, affordability is improving and rates are at their lowest levels of the year!

Give us a call today - our rates are extremely competitive, and we've got the loan products you need, regardless of your financial goals.

12/11/2025

With rates falling over the past month, we've seen more customers refinancing, and one question we often get is "do I get to skip a mortgage payment?". The answer is technically "no", you don't truly skip a payment, but you also can set yourself up to not have a monthly payment for a month or two.

Confusing? It can be. But we broke down the details and your options in our latest post. Link in the comments!

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12/03/2025

🤔What does a jobs report have to do with mortgages?

💰With the Fed set to meet next week to determine the direction of borrowing costs, they're looking to 2 areas of the economy for guidance: inflation, and jobs.

📉Inflation has dipped substantially but further progress will be tough to come by, so jobs are in the spotlight - negative employment numbers and a rising unemployment rate signals economic weakness - to fight this weakness, the Fed is likely to reduce borrower costs (the Fed funds rate). As of today, there's a ~90% likelihood we see another rate cut next week.

Rates are WAY down from this same time last year, so while life still feels expensive, affordability continues to improve incrementally. Home price growth has slowed, and rates have dropped, giving buyers some much-needed help when it comes to buying a new home. Home owners that purchased their homes in the past 2-3 years are also finally seeing some much-anticipated opportunity from refinancing.

Curious what your mortgage options are? Want to see if you're in the best possible spot? Need help preparing to buy your next home? We'd love the opportunity to help!

11/26/2025

Loan limits are up in 2026! Customers can borrow more with flexible terms and competitive rates in the new year! Link in the comments

Fun (?) fact: Borrowers can use conventional financing to borrow more than $2 MILLION dollars in some areas for certain properties (specifically, 4-unit homes in high cost of living areas).

11/25/2025

Every loan has closing costs. "No closing cost" loans typically refer to loans with higher rates where a lender pays the costs associated with the loan.

So - higher rate & lower cost? Or low-cost & a higher rate? Which is better. Well, it depends.

We explore the options in our latest post, link in comments.

11/20/2025

When builder sentiment is down, it typically means new home inventory will hit the market at a slower pace. When it comes to supply and demand, slow downs in supply pressure values higher.

And while most markets are seeing some more balance in inventory, many still need more homes to meet the housing needs of their population.

With this market sentiment, there's a lot of opportunity for buyers that hasn't existed since pre-pandemic. Reach out today to learn more about how seller/builder incentives can save you TONS of money, short & long term!. Contact form in the comments.

11/14/2025

No more 620 minimum FICO to get a conventional loan - but will it have any impact on your loan getting approved?

We've got that and more in our latest post - link in the comments.

11/11/2025

Today, we take a break from your regularly scheduled mortgage programming to simply say, thank you.

We know that freedom isn't free, and appreciate the hard work and commitment of our veterans. Thank you for your service and happy veteran's day!

11/03/2025

Whether you're local or on the other side of the country, you should expect 5 star service!

Our team is here to help, and with rates near their best levels since 2022 (!!!), now's a great time to reach out to see how we can help you with a refinance, HELOC, or with your plans to buy a home!

Address

3013 Douglas Boulevard Ste 135
Roseville, CA
95661

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Telephone

+19162877777

Website

http://CatalystMortgage.com/

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