We offer low interest Modesto home loans for qualified applicants looking for a mortgage in Modesto.

Modesto Mortgage Company & Home Loans

The Mortgage Advisor for You

Since 1995, Erick Winchester has been providing unparalleled customer service to Modesto 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
40 Year Fixed 6.25% 6.391%
30 Year Fixed 6.00% 6.162%
20 Year Fixed 5.875% 6.089%
15 Year Fixed 5.375% 5.764%
VA 6.55% 6.726%
Cal Vet 30 Yr Fixed 5.25% 5.319%
Cal HFA 30 Yr Fixed 6.625% 6.802%
CalSTRS 30 Yr Fixed 6.5% 6.675%
CalPERS 30 Yr Fixed 6.5% 6.675%
* All rates subject to change

First Time Home Buyers
If you are looking to buy your first home in Modesto, Ceres, Turlock, Ripon,Oakdale or anywhere in California the Winchester Lending Group has the experience and skills to help.  We 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.  We have many programs that will best suite your needs.

City and County Assisted Down Payment Programs
We 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.