Business Details
Your Trusted Mortgage Brokers in El Dorado Hills, CA
Davis & Amaral Mortgage have been serving clients in the mortgage industry for over 29 years. Our approach centers on personalized service, leveraging relationships with over 40 lenders to secure competitive rates and tailored loan programs. We specialize in purchase loans, refinancing, reverse mortgages, and construction financing, prioritizing transparency and client education throughout the process.Our team maintains a strong commitment to ethical practices, demonstrated by consistent client testimonials highlighting prompt communication, professional expertise, and successful outcomes. With a focus on long-term relationships, we serve homeowners and real estate professionals across El Dorado Hills, Roseville, and surrounding California communities.
Services
Mortgage Loans
Refinance Services
Reverse Mortgages
Purchase Loans
Construction Financing
Highlights and features
- We have over 29 years of experience in mortgage consulting.
- We partner with 40+ lenders to find the best rates.
- Our team provides personalized loan program recommendations.
- We offer transparent communication throughout the mortgage process.
- We maintain a proven track record of client satisfaction.
What people say
Prompt, professional handling
Best rate and program
Smooth transaction
Professional and friendly staff
Exceeded expectations
Services
Mortgage Loans
We provide comprehensive mortgage loan solutions tailored to individual financial situations. Our services include fixed-rate, adjustable-rate, and government-backed loans for primary residences, investment properties, and second homes. With access to 40+ lenders, we ensure competitive pricing and customized terms to meet diverse client needs.
Refinance Services
Our refinance programs help clients reduce monthly payments, shorten loan terms, or access home equity. We specialize in rate-and-term refinancing and cash-out options, leveraging market expertise to optimize savings. Clients benefit from streamlined documentation and expedited processing for timely closings.
Reverse Mortgages
We offer FHA-insured reverse mortgages for seniors seeking to convert home equity into tax-free income. Our counselors explain program details, including payment options and long-term implications. Clients receive personalized scenarios demonstrating how reverse mortgages can enhance retirement cash flow while preserving home ownership.
Purchase Loans
Our purchase loan services cover conventional, FHA, VA, and jumbo loans for first-time buyers and seasoned homeowners. We provide pre-qualification, rate locking, and closing coordination. Clients receive guidance on down payment assistance programs and closing cost management to facilitate smooth transactions.
Construction Financing
We facilitate construction loans for custom home building and major renovations. Our process includes budget analysis, draw schedules, and permanent financing transition. Clients work with dedicated advisors to navigate construction timelines, contractor coordination, and compliance requirements for successful project completion.
People
Dennis Amaral
Broker & Owner
Dennis Amaral has been a mortgage professional for over 29 years, holding a California BRE License #01193140 and NMLS #284276. He specializes in purchase loans, refinancing, and reverse mortgages, maintaining a client-focused approach with a track record of prompt service and competitive rate negotiation.
Questions
What mortgage services do you offer?
We offer purchase loans, refinancing, reverse mortgages, construction financing, and jumbo loans through partnerships with 40+ lenders.
How do you find the best mortgage rates?
We compare offers from 40+ lenders to secure competitive rates tailored to your financial profile and homeownership goals.
Can you help with reverse mortgages?
Yes, we provide FHA-insured reverse mortgages with personalized counseling to explain benefits and long-term implications.
How long does the mortgage process take?
Most transactions close within 30-45 days, with expedited options available for qualified applicants and refinance cases.
Do you serve first-time homebuyers?
Yes, we guide first-time buyers through down payment assistance programs and offer competitive loan options for new homeowners.
What areas do you serve?
We primarily serve El Dorado Hills, Roseville, Fair Oaks, Cameron Park, and surrounding California communities.