We offer low interest Modesto home loans for qualified applicants looking for a mortgage in Modesto.
Modesto Mortgage Company & Home Loans
Please be cautious of phone calls from a company called "Winchester Lending Group." There is a company using our name in New Jersey, Arizona, and other states. This is NOT Winchester Lending Group (from Modesto, CA). Please be aware this is a scam. We would never ask for money upfront to recieve a loan. We only deal in real estate transactions. If you have ANY questions, please contact us at 209-345-3433.
The Mortgage Advisor for You
Since 1995, Erick Winchester has been providing unparalleled customer service to Northern California home buyers and the entire real estate community. A home is the largest purchase you'll ever make, so it makes sense to get your mortgage from a Broker that can provide you with a great loan and terrific service. While any broker can offer a variety of mortgage loan options, a better broker does more. Erick Winchester takes the time to explain all of your options and help you to select the mortgage program that's best for you. No matter what size home loan, large or small Erick will still provide you with a level of customized service not found with other mortgage brokers or lenders. Whether you're buying your first home, a vacation or investment property, refinancing to lower your existing payments, or consolidating your debt into one low monthly payment, Erick has a loan that is sure to fit your individual needs and lifestyle.
Mortgage Rates
| Program | Rate | APR |
| FHA 30 Yr Fixed | 5.00% | 5.437% |
| FHA 15 Yr Fixed | 4.50% | 5.174% |
| Conventional 30 Year Fixed | 5.25% | 5.402% |
| Conventional 20 Year Fixed | 5.25% | 5.456% |
| Conventional 15 Year Fixed | 4.75% | 5.032% |
| VA 30 Yr Fixed | 5.00% | 5.437% |
| Cal Vet 30 Yr Fixed | 5.95% | 6.373% |
| USDA 30 Yr Fixed | 5.25% | 5.694% |
First Time Home Buyers
If you are looking to buy your first home in Modesto, Ceres, Turlock, Ripon,Oakdale or anywhere in California Erick Winchester has the experience and skills to help. I have city and county programs to help you with your down payment, as well as many other tools to make your first home purchase an enjoyable one.
100% FINANCING
100% financing is still one of our most widely used products. I have many programs that will best suite your needs.
City and County Assisted Down Payment Programs
I will help you acquire city and county assisted down payments for your first home. What this means to you: You no longer have to be held back by large down payments for home loans.
An Equal Housing Lender.