Ben Bhangu - Evergreen Home Loans

Answer Home Lending, fronted by Ben Bhangu, known as The Home Loan Guru, serves the Yuba City, California area with comprehensive mortgage solutions. Established with a commitment to making homeownership accessible, the company prides itself on quick loan closings, often within 14 days, depending on the loan program. Ben Bhangu and his team offer multilingual support, catering to a diverse clientele with services available in Spanish, Punjabi, Hindi, and English.

The company provides a wide array of home loan products, including conventional, FHA, VA, USDA, Jumbo, and specialized options like Non-QM, Bank Statement, and DSCR loans. They also facilitate construction loans, reverse mortgages, and essential down payment assistance programs, alongside options for both purchase and refinance transactions. Answer Home Lending emphasizes a transparent and simplified loan process, guiding clients from pre-qualification through to closing, with clear explanations of each step.

Answer Home Lending is distinguished by its meticulous approach to borrower qualification, assessing both ability and willingness to repay, and offering personalized guidance even for those with challenging credit histories. Their detailed explanation of credit scores and the loan application process highlights a dedication to borrower education and support. While focused on traditional home lending, they also extend services to commercial loans, demonstrating a broad spectrum of financial offerings for their community.