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In Touch Realty & Mortgage Real Estate and Mortgage Services. Real Estate and Mortgage updates. Real estate tips. Mortgage Tips.

Interest Rates Crossed 7% since Jan 2025.Last time interest rates recorded above 7% was back in January- 2025...Looking ...
09/16/2026

Interest Rates Crossed 7% since Jan 2025.
Last time interest rates recorded above 7% was back in January- 2025...
Looking for Mortgage Services, Now Licensed in CA & TX.
Call or Text, Your own loan buddy.
Harkamal Baryar
916-282-LOAN
Nmls 2460041

Traditional income documentation isn’t your only option. If you’re self-employed, a business owner, freelancer, or indep...
08/08/2026

Traditional income documentation isn’t your only option. If you’re self-employed, a business owner, freelancer, or independent contractor, you may qualify with one of these flexible loan programs
✅ Profit & Loss (P&L) Only Loans
No tax returns? No W-2s? No problem. These programs are designed to help qualified self-employed buyers achieve homeownership using alternative income documentation.
Every situation is unique, and I’m here to help you find the right loan solution.
Harkamal Baryar
Nmls-2460041
Licensed in CA & TX
📞 Call or text today: 916-282-LOAN (5626)
Let’s make your homeownership goals a reality!

A new ballot measure PROPOSITION 37 could transform homeownership opportunities for millions of Californians. This impac...
07/10/2026

A new ballot measure PROPOSITION 37 could transform homeownership opportunities for millions of Californians. This impactful initiative might open doors to affordable housing and reshape the financial landscape across the state. Discover how this potential change could affect your path to homeownership and financial future. Stay informed and empowered about the evolving housing market and mortgage opportunities in California. Learn more about this pivotal development and what it means for your journey.

Learn more at your website.

https://theloanbuddy.net/f/the-california-proposition-37-measure-path-to-home-ownership

🏡 Another Successful Investment Property Refinance Closed! 💰My client recently built a brand-new duplex as an investment...
06/10/2026

🏡 Another Successful Investment Property Refinance Closed! 💰

My client recently built a brand-new duplex as an investment property and needed capital for his next real estate project. I was able to help him secure a Cash-Out Refinance using a DSCR Loan program with:

✔️ No Income Documentation Required
✔️ No Rental Lease Required
✔️ No Investment Experience Required
✔️ Competitive Interest Rates & Flexible Terms

Now he has the cash needed to move forward with his next investment opportunity.

Whether you’re looking for financing for:
🔹 Investment Properties
🔹 Fix & Flip Projects
🔹 New Construction
🔹 Residential Purchases or Refinances

I’m here to help you find the right mortgage solution.

📞 Call today: 916-893-6001
👤 Harkamal Baryar
Loan Officer | NMLS #2460041

“One Choice for All Your Mortgage Needs.”

🏡 LOWER YOUR RATE. LOWER YOUR PAYMENT. BUILD YOUR FUTURE.Now may be the perfect time to refinance and take advantage of ...
06/08/2026

🏡 LOWER YOUR RATE. LOWER YOUR PAYMENT. BUILD YOUR FUTURE.

Now may be the perfect time to refinance and take advantage of opportunities to improve your financial position. With refinance options available on multiple loan programs, you could save more every month and create long-term financial flexibility.

✅ Get up to 100 BPS on refinance
✅ Conventional, FHA, VA & USDA refinance options available
✅ Includes cash-out refinances, rate & term, FHA Streamlines & VA IRRRLs
✅ Available for primary homes, second homes & investment properties
✅ Fast and easy process with professional guidance every step of the way

📌 Key Requirement:
Minimum 680 FICO / 700 VantageScore required

Whether you want to reduce your monthly payment, access cash for home improvements, or simply secure a better rate, Elite Mortgage is here to help you explore the best option for your goals.

📞 Call Harkamal Baryar today at 916-893-6001
🏢 Elite Mortgage
👤 Loan Officer | NMLS # 2460041

Your smarter refinance strategy starts today.

🏡 EXCLUSIVE 6 MONTH DPA PROGRAM NOW AVAILABLE!Buying a home may be easier than you think. Our Down Payment Assistance Pr...
06/07/2026

🏡 EXCLUSIVE 6 MONTH DPA PROGRAM NOW AVAILABLE!

Buying a home may be easier than you think. Our Down Payment Assistance Program is designed to help more buyers achieve homeownership with flexible options and powerful benefits.

✔ Grant may be forgivable after just 6 months
✔ non-occupant co-borrowers allowed
✔ First-time home buyer not required
✔ DPA grants handled entirely in-house
✔ Designed to help get your deal across the finish line

Whether you’re purchasing your first home, moving up, or exploring new opportunities, Elite Mortgage is here to guide you every step of the way.

📞 Call today: Harkamal Baryar
916-893-6001
👤 Loan Officer
🏢 Elite Mortgage
NMLS # 2460041

Let’s turn your homeownership goals into reality!

Address

Sacramento, CA
95821

Telephone

(916)8936001

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