Alisha Benge, Loan Officer - NMLS 1571534

Alisha Benge, Loan Officer - NMLS 1571534 Mortgage lending expert Sacramento native Yuba Sutter local CA mortgage services NLMS 1571534

https://www.eventbrite.com/e/1979371963827?aff=oddtdtcreator

My name is Alisha Benge, Senior Mortgage Advisor of 6 years and mother of two. I started as an individual Loan Officer and since have expanded, nurturing a team under me, who offer bilingual communication and exceptional service. It is my mission to assist new and existing homeowner's with accomplishing their financial goals. It's very important to me, that no matter the type of loan, each client

is getting the maximum benefit for their specific scenario, and is educated in the decisions they are making. Trust, education, efficiency and accuracy are major components that set me apart from every other Loan Officer. Not only do I do my due diligence to align goals and loan products, I educate. I truly care about the future of my clients and their families, and it reflects throughout my entire team's communication, processes and work ethic. I specialize in VA loan programs, First time home buying and investment/move ups. You will be happy with your choice to contact me for any of your home loan needs.

Rates just moved lower today. Here’s what it means if you’re buying.Rates just dropped across every loan type today afte...
05/27/2026

Rates just moved lower today. Here’s what it means if you’re buying.

Rates just dropped across every loan type today after news the U.S. and Iran are closer to a framework that would end the war. We’re still near nine-month highs, but rates have come down four days in a row.

Today’s rates (May 26, 2026):

30-Year Fixed → 6.61%*
15-Year Fixed → 6.14%* (biggest drop today)
FHA → 6.14%*
VA → 6.16%*
30-Year Jumbo → 6.75%*
7/6 SOFR ARM → 6.27%*

My honest read if you’re house hunting:

If you qualify for VA or FHA, your real rate is well below the headline. VA has no FICO minimum at the agency level. If a lender told you no, that does not mean you do not qualify.

Stop waiting for a 5% rate. It is not coming this year. Sellers are flexible right now. Concessions, buydowns, credits, and price reductions are on the table.

Get pre-approved this week. Liz and I work together. She handles the home. I handle the financing.

DM either of us your scenario and we’ll run the real numbers.

Alisha Benge | Sr. Loan Officer
Xpert Home Lending Inc | NMLS #1571534
(530) 933-8254

Liz Cortes | Realtor
River Valley Realty | DRE #02151735
(530) 434-1823

*See pinned comment for rate disclosure.*

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📸 Click, click.
05/26/2026

📸 Click, click.

05/18/2026

Happy birthday to my other half! You are the best friend a girl could ask for. My true ride or die. One of the people that truly understands me, has seen me both at my best and my worst. You have become better each year, a beautiful mother, and I can’t wait for all of our future shenanigans. I love you and I hope you have the best day.

Open house today and I’m bringing the financing answers with me! 💁🏻‍♀️Most buyers walk past listings at $475K thinking i...
05/16/2026

Open house today and I’m bringing the financing answers with me! 💁🏻‍♀️

Most buyers walk past listings at $475K thinking it’s out of reach. Here’s what they’re missing: with Down Payment Assistance through Kind Lending, qualified buyers can step into this 4-bedroom Edgewater home with $0 down from their own savings.

That’s $16,625 that stays in YOUR pocket. Use it for moving, reserves, or just breathing room.

A few reasons this program is a game changer:
✔ No income limits
✔ First-time buyer NOT required
✔ Non-occupying co-borrowers welcome (think parent or family member)
✔ Higher DTI flexibility means more buying power

Come walk the home with me between 12:30 and 3 today. Ask me anything about how this could work for your numbers. No pressure, just real answers.

📍 5674 Meadow Brook Way, Linda
📞 530.933.8254
✉️ [email protected]

NMLS #1571534 | Xpert Home Lending, Inc. | Equal Housing Opportunity

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I sat here trying to find the right words to describe how perfect you are and how much love and gratitude I carry in my ...
05/11/2026

I sat here trying to find the right words to describe how perfect you are and how much love and gratitude I carry in my heart for you, but there simply aren’t enough words.

I love doing this life with you. Happy 2-year anniversary, babe. ♥️

I’m so excited for everything still ahead of us and for the future we’re building together.

I want to tell you about something I genuinely wish more buyers knew about right now.That first year of homeownership, b...
05/08/2026

I want to tell you about something I genuinely wish more buyers knew about right now.

That first year of homeownership, between the moving costs, the unexpected repairs, the new routine of a mortgage payment, it can feel like a lot all at once. I see it with almost every buyer I work with.

Right now, through June 30th, there is a program that gives you a full 1% lower interest rate for your entire first year. Not a different home. Not a smaller loan. The same purchase, just with lower payments while you find your footing. And your lender covers the cost entirely.

Swipe through to see how it works. And if it sounds like something that could help you or someone you love, reach out.

I am happy to run the numbers with zero pressure.
This is what I do and I genuinely love doing it.

Alisha Benge
Sr. Loan Officer
Xpert Home Lending Inc
(530) 933-8254
[email protected]
NMLS #1571534

XpertHomeLending NorCalRealEstate HomeOwnership ALenderThatCares MortgageLender LowerYourPayment FinancialWellness

The Fed held today. Mortgage rates moved anyway. Here’s what that means for you.Today was likely Powell’s last meeting a...
04/30/2026

The Fed held today. Mortgage rates moved anyway. Here’s what that means for you.

Today was likely Powell’s last meeting as Fed Chair, and the Fed held the federal funds rate steady for the third meeting in a row. But mortgage rates still ticked higher.

Why? Because mortgage rates don’t actually follow the Fed funds rate. They follow the 10-year Treasury yield, and bond markets have been reacting all spring to the Iran conflict, energy inflation, and uncertainty around the Fed leadership transition.

Translation: rates climbed from 5.99% at the end of February to 6.45% today, and we’re likely sitting in this range through most of 2026. The Fed only projects ONE rate cut this year, and most economists don’t expect it before December.

So here’s my honest advice if you’re house hunting right now:

✨ If you qualify for VA or FHA, your real rate is meaningfully lower than the headline number. VA is sitting at 5.97%. FHA at 5.95%. Don’t let conventional pricing scare you off if you have a better option available.

✨ Stop waiting for a 5% rate. It’s not coming this year. The math on waiting almost never beats the math on buying the right home with the right strategy.

✨ Sellers are flexible right now. National data shows roughly 43% more sellers than buyers, which means you have real leverage. Price reductions, rate buydowns, closing cost concessions; it’s all on the table.

Briana and I are working as a team to help buyers navigate exactly this kind of market. She handles the home. I handle the financing. You get a clear plan before you commit to anything.

DM me your scenario and I’ll run the actual numbers, payment options, lock strategy, program comparisons. No pressure. No pitch. Just the math.

Alisha Benge | Sr. Loan Officer
Xpert Home Lending Inc | NMLS #1571534
📞 (530) 933-8254
📧 [email protected]

Briana Samuelson | Realtor
DRE #02292085
📞 (530) 443-0689

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Because moms deserve more than flowers this year.We’ve teamed up to give one lucky winner the ultimate Mother’s Day trea...
04/24/2026

Because moms deserve more than flowers this year.

We’ve teamed up to give one lucky winner the ultimate Mother’s Day treat! A little self-care, a little luxury, and a lot of love from your local real estate and lending team.

Win a luxurious manicure, self-care goodies, and more.
Keep for yourself or gift to a deserving mama in your life!

How to enter:
• Follow all 3 pages
• Tag a friend
• Each additional tag = extra entry





Winner will be announced just in time for Mother’s Day.

Show some love, tag your people, and don’t miss out.

Sierra Rogas
She Nailed It
1301 Gray Avenue
Yuba City, CA 95901
530.788.6680

Briana Samuelson
Realtor | Showcase Real Estate
530.443.0689
[email protected]
DRE 02292085

Alisha Benge
Sr. Mortgage Advisor
Xpert Home Lending Inc
530.933.8254
[email protected]
NMLS 1571534

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Farm season has been so much fun so far ⚾️🥎Orion has been crushing the ball. Yes, his eyes are closed in this photo… but...
04/21/2026

Farm season has been so much fun so far ⚾️🥎

Orion has been crushing the ball. Yes, his eyes are closed in this photo… but you should’ve seen how far it went! He also tried pitching for the first time and did really well, and he’s been playing solid defense all around. So exciting to watch his growth in year two.

Chloe is in her first season of farm and is one of the youngest on the team at five years old. She’s out there with girls up to eight years old and holding her own. She’s a natural lefty hitter, but we switched her to fielding right handed this season and she’s been doing great.

Orion is naturally right handed but hits lefty and fields right handed. Watching them learn, adjust, and give their best every time they step on the field makes me so proud.

There’s something special about seeing their confidence, character, and athleticism start to come out and shine. I absolutely adore seeing my babies develop their own love for the game!

Proud mama over herereee. 🥰🥰🥰

Photo credit: Andrew Garcia

Address

Yuba City, CA
95991

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