The Smart Mortgage Advisor
Stanford Mortgage 916.580.1642

Chrystina Tovani
Mortgage Advisor
Stanford Mortgage
Direct: (916) 580-1642
Email Me
3017 Douglas Blvd, Suite 100,
Roseville, CA, 95661
Chrystina Tovani, NMLS #241089 
Stanford Mortgage, CA License #DOCML-813G820
 
Home

Have Faith in Your Future. 

You've arrived at the right place. 

Interest rates are low. This won't last forever.  When I started working in the mortgage industry, interest rates were around 12%.
 
A home is one of the most secure financial investments you can find.  The real estate market goes up and down over the years but in most cases a home appreciates over time. 
 
To the left you will see a list of links to help you get started with your loan application and on your way to home ownership.  Pick the one that works best for you and we'll go from there.  
 
I specialize in home loans in the greater Sacramento, CA area but I can help you get financing anywhere in California.  
 
Some advantages to home ownership are:
  • Financial stability on a fixed rate mortgage.
  • Pride of ownership.
  • The ability to make home improvements.
  • Tax deductions.
  • Building equity.
  • A place to raise a family.
  • Social benefits
  • Higher lifetime annual income of children raised in a family owned home.
 

Maintaining the quality of life during the golden years. 


Baby Boomers!
 
Did you know that by the year 2030, as the first baby boomers reach 84, the number of Americans over 65 will have grown by 75% to 69 million?  That means more than 20% of the population will be over 65, compared with on 13% today.  More than 35% will be over 50.  
 
 
Reverse mortgage are already becoming popular as people are aging.  In 20 years, people who purchased a home today will probably be glad they did.  
 
The real estate market goes in cycles, up and down.  Buying a home is still one of the best investments a person can make in their life time.  
 
 






 
  
 

Buying a home in today's market.

It takes patience and tenacity and wishing on a star.

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You may have to put in several offers and get rejected a few times but your house is out there waiting for you and you will get an accepted offer if you keep moving forward. The first step is to get pre-approved for your mortgage.  
 
I like to quote Walt Disney.  He said, "We keep moving forward, opening new doors, and doing new things, because we're curious and curiosity keeps leading us down new paths."
 
Anytime I find myself frustrated and feeling like I've hit the wall, I think about Walt.  He failed many times before he was successful.  He had more failed ideas than successful ones. He too was human and got depressed and disappointed.   He had a vision and he didn't give up.  He made us all believe that we could wish upon a star and our dreams would come true.  Thoughts do become things.  If we maintain focus on what we desire most, we can arrive at that destination.   
 
We are living in tough economic times.  This generation is growing up with a different set of values and strengths.  We are no longer living in a "me" society.  Remember your great grandparents saying, "Patience is a virtue?"  It's true today.  The economy has forced many of us to  re-think our values, embracing an appreciation of basic comforts, friends, family, life and food on the table.  A gorgeous blue sky!   Enjoying the little things in everyday moments makes living our life magical. 
 
What's YOUR vision?  Are you ready to own your home?
 
I can help you turn your vision into reality. 
 
Together we'll find the mortgage loan that best fits your needs. Getting the right mortgage loan is like getting the keys to your new house! I can help you get there.  Are you ready?  Let's make a wish.  We'll make it happen.  I'll show you how to present a strong offer.  

Refinancing your current mortgage?  Let me guide you to the very best refinanced loan!

 

Your Satisfaction is My Success!

My goal is to make the process of getting a home loan affordable, efficient, enjoyable and rewarding for you. 
 
I want to earn your trust.  It would be a privilege to be the mortgage consultant you turn to when you need professional advice for mortgage finance.  When you recommend me to your friends and your family, that's the best compliment I could ever receive.
 
As a second generation real estate professional, I have been involved in the real estate industry since 1985.  My experience includes, title and escrow, real estate sales, property management, loan processing, and loan origination. 
 
 
When you are ready to buy or refinance a home in California, I can help.  





Getting started with your mortgage is easy. 

Are you ready to get started?

You can apply online securely.  If you get started and need to come back, you can save your information to finish it later.  Or you can get started and I'll call you and go over it and answer any questions you may have.    

If you are not yet working with a real estate agent.  I know a few excellent, full time, professional real estate agents that I can introduce you to. You can choose to work with any real estate agent.  Real estate agents and lenders do not get any fees for referrals from/to each other. 


Copyright © 2010 Chrystina Tovani, NMLS #241089 
Stanford Mortgage  Equal Housing Lender, CA license #DOCML-813G820. This is not a commitment to lend. Prices and guidelines are subject to change without notice. Restrictions apply.