Business Details
Your Trusted Mortgage Partner in Sacramento, CA
Kappel Mortgage Group is a trusted mortgage brokerage committed to delivering personalized financial solutions tailored to clients' unique needs. With deep expertise in the local market and competitive rates, our team specializes in guiding clients through home purchases, refinancing, and debt consolidation. We prioritize building long-term relationships by maintaining the highest standards of security, privacy, and exceptional service.Unlike larger national firms, we ensure every client receives individualized attention from experienced professionals dedicated to making homeownership dreams achievable. Our commitment to excellence is reflected in our track record of satisfied clients and industry recognition, including top producer awards and consistent positive feedback from first-time buyers and seasoned homeowners alike.
Services
Home Purchase Loans
Refinance Solutions
VA Loans
Reverse Mortgages
Conventional Loans
HELOC Programs
DPA Assistance
Debt Consolidation
Highlights and features
- We offer 25+ years of combined mortgage industry experience.
- Our team provides personalized loan solutions tailored to unique financial situations.
- We maintain strict client data privacy and security standards.
- Our professionals hold active California Real Estate Broker licenses.
- We deliver rapid response times and transparent communication throughout the process.
What people say
Great experience
Very smooth process
Professional and responsive
Excellent service
Highly recommend
Services
Home Purchase Loans
We specialize in customized home purchase loans for first-time buyers and experienced homeowners. Our team guides clients through every step, from pre-approval to closing, ensuring competitive rates and transparent terms. With expertise in local market conditions, we help clients secure financing that aligns with their long-term financial goals.
Refinance Solutions
Our refinance programs help homeowners reduce monthly payments, access equity, or consolidate debt. We offer conventional refinancing, cash-out options, and streamlined FHA programs. Our brokers analyze current loan terms to identify savings opportunities while maintaining compliance with industry regulations.
VA Loans
We provide specialized VA loan programs for eligible veterans and service members. These zero-down payment mortgages feature competitive rates and reduced fees. Our team handles VA-specific documentation requirements to simplify the process for military families seeking homeownership benefits.
DPA Assistance
Our Down Payment Assistance programs help first-time buyers overcome upfront costs. We connect clients with state and local funding sources that offer grants or low-interest loans for down payments and closing costs. Our advisors ensure applicants meet program requirements while maximizing available resources.
HELOC Programs
We offer flexible HELOC options for homeowners seeking to leverage property equity. These revolving credit lines provide funds for renovations, education expenses, or debt consolidation. Our brokers explain rate structures and repayment terms to help clients use equity responsibly.
People
Ted Kappel
Real Estate Broker
With over two decades of mortgage industry experience, Ted Kappel leads our Sacramento team. Holding CA Real Estate Broker License #01517091, he specializes in matching clients with optimal loan programs while maintaining strict compliance standards.
Jenny Kappel
Loan Consultant
Jenny Kappel brings extensive client service expertise to our mortgage team. Recognized for her proactive communication and detailed process guidance, she helps clients navigate complex financing options while ensuring regulatory compliance.
Stephanie Ham
Loan Consultant
Stephanie Ham consistently ranks as a top-performing loan consultant. Her commitment to excellence focuses on surpassing industry benchmarks while delivering personalized mortgage solutions that align with clients' financial objectives.
Belinda Dawson
Mortgage Consultant
Belinda Dawson offers years of reliable mortgage consulting experience. Known for her trustworthy approach, she specializes in guiding clients through purchase and refinance transactions with clear communication and market expertise.
Questions
What mortgage services do you offer?
We provide home purchase loans, refinancing options, VA loans, reverse mortgages, conventional loans, HELOC programs, DPA assistance, and debt consolidation solutions.
Are you licensed to operate in California?
Yes, we hold California Real Estate Broker License #01517091 and Nationwide Mortgage Licensing System ID #293531.
How can first-time homebuyers benefit from your services?
We offer specialized programs, down payment assistance guidance, and personalized education to help first-time buyers navigate the mortgage process confidently.
Do you offer online tools for mortgage planning?
Yes, we provide free online Refinance Advisor and Purchase Assistant tools to help clients explore loan options instantly.
What sets your company apart from other mortgage brokers?
We combine local market expertise with personalized service, maintaining strict data privacy while offering competitive rates and rapid response times.
How do you handle communication during the mortgage process?
Our team provides proactive updates through preferred channels, ensuring timely responses to emails, texts, and calls throughout the transaction.
