Harmanjeet Kaur

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

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.

Should I Buy a House Now or Wait?
Should I Buy a House Now or Wait?
Aug 10 2026   buy a house now or wait 2026 housing market
Most people already believe buying a home comes down to one question: What will mortgage rates do next? It rarely does. The bigger question is what happens to your finances, home prices, rent, and competition while you wait. For many buyers, 2026... Read More
Why Homes Near a University Can Be a Smart Buy
Why Homes Near a University Can Be a Smart Buy
Aug 3 2026   homes near a university buying a home near college
When searching for a home, buyers often focus on square footage, school districts, or commute times. While those factors certainly matter, location remains one of the biggest drivers of a home's long term appeal. One location that consistently... Read More
Should You Sell Your Current Home Before Buying a New One?
Should You Sell Your Current Home Before Buying a New One?
Jul 27 2026   sell before buying buy before selling selling your home buying a new home move up homebuyer
If you are planning to move into a new home, one of the biggest decisions you will face is whether to sell your current home first or buy your next home before selling. It sounds like a simple question, but the answer depends on your finances, your... Read More
Hazard Insurance vs Homeowners Insurance
Hazard Insurance vs Homeowners Insurance
Jul 20 2026   hazard insurance homeowners insurance homebuyers insurance mortgage insurance requirements homeowners insurance coverage
One of the most common points of confusion during the home buying process happens just before closing. A buyer believes they have purchased homeowners insurance, only to hear they still need hazard insurance. That can be frustrating, especially after... Read More

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