Mortgage broker serving Granite Bay, Roseville, Rocklin, Loomis, Lincoln, Auburn, Folsom, El Dorado Hills and all of Placer, Sacramento & El Dorado Counties.

(916) 390-4689

kristin@borrowsmarthomeloans.com

6085 Douglas Blvd, Suite 500
Granite Bay, CA 95746

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Loan Programs

VA Home Loans
FHA Loans
Conventional Loans
Jumbo Mortgages
Refinance & Cash-Out
USDA Rural Loans
Reverse Mortgage
Down Payment Assistance

Specialties

Divorce Mortgage Specialist
First Responder Home Loans
Military / VA Loan Specialist
First-Time Home Buyer Programs
Self-Employed & Bank Statement
Buy Before You Sell / Bridge Loans

Resources

Apply Now
Request a Quote
First-Time Home Buyers Guide
Home Loan Options
Rates & Loan Calculator
Education
Events
How I Shop Rates for You
Schedule a Call

Kristin Cooper · NMLS #448315 · CA DRE #02201677

©2026 Borrow Smart Home Loans · Powered by Answer Home Lending Inc · NMLS ID #2343805 · AHL is an Equal Housing Lender. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. No guarantee of rates or ability to lend. All applicants must apply to confirm mortgage terms. We strive to provide accurate information, however, all data is not guaranteed and is subject to change without notice. We are not liable for any errors, misinformation, or omissions. This communication does not constitute a commitment to lend or an offer to extend credit.

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