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Mortgage payment calculator

 Mortgage Rate and Professional Assistance 

  • Secure low mortgage rates now
  • Contact a Mortgage Professional for assistance

Mortgage Payment Tools 

  • Use the Mortgage Payment Calculator to determine payments
  • Explore the Loan Calculator for detailed calculations.

Michelle J. Christensen she has been a professional in the mortgage industry since 1996

 

Meet Michelle J. Christensen

Raised in California, Michelle J. Christensen discovered early on that perseverance and commitment are the keys to success. Since launching her career in the mortgage industry in 1996, she has built nearly three decades of hands-on experience in processing, underwriting, and loan structuring.

With over 28 years of expertise, Michelle has helped countless clients achieve their homeownership goals—guiding them through the lending process with clarity, confidence, and care. Known for her ability to quickly identify the best loan programs and creative financing solutions, Michelle has earned a trusted reputation among both her clients and peers in the industry.

Her approach is simple: make the mortgage process smooth, transparent, and tailored to each client’s unique goals.

When she’s not helping clients secure their dream homes, Michelle enjoys swimming and spending time with her family. As a proud mom of four, she knows how to balance dedication, energy, and heart—qualities that shine through in every aspect of her work.

Experience the difference of working with a lender who truly cares.
Visit SoLowRates.com to get started today.

Find the Right Home Loan for You

 

Buying a home or refinancing your mortgage in California doesn’t have to be complicated. With the right guidance, you can confidently choose the mortgage program that fits your goals, financial situation, and lifestyle.


For Homebuyers:

  • First-Time Homebuyer Loans: Programs designed to make homeownership more accessible, with low down payments and flexible terms.
     
  • VA Loans: Exclusive benefits for veterans and active-duty service members, often with no down payment and competitive rates.
     
  • Conventional Loans: Popular among buyers seeking straightforward terms and competitive interest rates.
     
  • FHA Loans: Government-backed options ideal for buyers with lower credit scores or limited down payments.
     
  • Jumbo Loans: Financing solutions for high-value properties that exceed conventional loan limits.
     
  • Interest-Only Options: Lower initial payments help manage cash flow in the early years of your mortgage.
     

For Homeowners Looking to Refinance:

  • Rate or Term Refinance: Adjust your monthly payments or loan term to meet your financial goals.
     
  • Cash-Out Refinance: Access your home’s equity for debt consolidation, major expenses, or investment opportunities.
     
  • Bank Statement Loans: Tailored for self-employed borrowers, qualifying based on bank deposits instead of traditional income documentation.
     

Whether you’re purchasing a home, refinancing, or exploring specialized loan programs in California, having an experienced lender by your side makes all the difference.

Trusted by hundreds of California homebuyers every year, with over 28 years of helping clients secure the best mortgage solutions.

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