Irena Raltchev

SpecialtiesSpecial flexible home loan programs for challenged borrowers with a foreclosure/short sale or self employed. We offer programs that no other banks are currently offering through our portfolio lending division. We are also a direct lender offering Conventional, FHA, VA, USDA, all Fannie Mae and Freddie Mac products with No overlays. We have down payment assistance programs with as little as 1/2 down and loan products with No Mortgage Insurance. We are approving loans other banks can't do. Contact me today to get more information on these special programs.

As a Mortgage Loan Originator right here in Roseville, I work with you to help find the right mortgage for your unique situation.You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I have the resources to answer questions like that and I've worked with lots of people in and around Roseville with home financing needs similar to yours. I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at (916) 788-7985.