Harmanjeet Kaur

  • (206) 371-3223
  • 1356 Mitchell Rd Suite B
  • Modesto, CA 95351
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Welcome to my website

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

Why Homeownership Is Still Worth It—Even Beyond the Finances
Why Homeownership Is Still Worth It—Even Beyond the Finances
Jun 25 2025   emotional benefits of homeownership homeownership lifestyle data rent vs buy 2025 mental health homeownership sense of community housing
In today’s market, many buyers are asking: “Is homeownership still worth it?” With rising costs and economic uncertainty, it’s a fair question. But let’s pause for a moment—because homeownership has never been... Read More
Mortgage Rates Aren’t Just About the Fed — Here’s What You Really Need to Know
Mortgage Rates Aren’t Just About the Fed — Here’s What You Really Need to Know
Jun 20 2025   mortgage rates June 2025 Fed and mortgage rates why rates didn’t drop bond market mortgage impact financial education
When it comes to mortgage rates, most people assume they rise or fall based on whatever the Federal Reserve is doing. But here’s the truth: the Fed doesn’t directly set mortgage rates—and relying on headlines or social media to... Read More
The Real Estate Rule That Just Got Repealed—And Why It’s a Big Win for Buyers
The Real Estate Rule That Just Got Repealed—And Why It’s a Big Win for Buyers
Jun 13 2025   MLS policy repeal 2025 no-commingling rule Zillow two-tab listings NAR policy change DOJ real estate investigation
There’s big news in the real estate world—and it’s great news for homebuyers. The National Association of Realtors (NAR) has officially repealed the controversial no-commingling rule, a policy that had long made the online home... Read More
Why Now Might Be the Best Time in Years to Buy a Home (Seriously)
Why Now Might Be the Best Time in Years to Buy a Home (Seriously)
Jun 4 2025   buyers market 2025 home buying advice mortgage help housing market shift real estate trends
The Housing Market Is Changing—and It’s Finally in Your Favor If you’ve been sitting on the sidelines, waiting for the “right time” to buy a home, here’s your wake-up call: The market is shifting—and buyers... Read More

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