Guiding Your Path To Mortgage Success

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Mortgage Solutions

The Brownell Team is a trusted mortgage brokerage headquartered in Northern CA. We specialize in providing exceptional residential lending solutions for purchase and refinance transactions.

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Connect People

Connecting people to the perfect mortgage that suits their unique needs is at the heart of our mission. Our dedicated team of experts goes the extra mile to understand your goals and preferences, ensuring we find the ideal solution that fits you like a glove.

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Path to Homeownership

Embark on your journey to homeownership with confidence, as we guide you every step of the way. Our personalized approach and industry expertise ensure that your path to owning a home starts off on the right foot, setting the stage for a successful and fulfilling homeownership experience.

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Free Pre-Approval

Unlock the power of a free pre-approval, providing you with the confidence and advantage in your home buying journey. Our streamlined process and expert guidance pave the way for a hassle-free experience, allowing you to shop for your dream home with peace of mind and a clear understanding of your budget.

About Us -------

Helping People Become Homeowners for over 20 Years

The Brownell Team is a trusted mortgage brokerage in Norther California. We specialize in providing exceptional residential lending solutions for purchase and refinance transactions.

As a leading mortgage brokerage, The Brownell Team takes pride in offering a wide range of options tailored to meet the unique needs of each client. With access to a vast network of lenders and programs, we ensure that you always receive the best rates, lowest closing costs, and products specifically tailored to your individual requirements.

With over 20 years of lending experience, our founder, Noel Brownell, and the entire team at The Brownell Team are dedicated to transforming the mortgage lending experience. We combine our passion for helping individuals achieve their homeownership dreams with our extensive knowledge of the industry to provide personalized guidance and exceptional service.

Whether you are a first-time homebuyer or a seasoned homeowner looking to refinance, The Brownell Team is committed to assisting you every step of the way. Contact us today to experience our professional and customer-centric approach to mortgage lending. Let us show you how Lane Lending Inc. is revolutionizing the way you obtain financing for your home.

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Our Services

Affordability

Our affordability mortgage solutions are tailored to help individuals and families find the perfect home within their budget, offering flexible terms and competitive rates to make home ownership a reality..

Conventional

With our conventional mortgage options, we provide traditional home financing solutions, offering stability and a wide range of terms, making it suitable for various property types and borrower profiles.

FHA

Our FHA mortgages are designed to assist first-time homebuyers and those with limited credit history, offering low down payments and attractive interest rates backed by the Federal Housing Administration.

VA

Veterans and active-duty service members can benefit from our VA mortgage programs, which provide exclusive perks like zero-down payments, competitive rates, and simplified qualification requirements to honor their service.

Non-Conforming

For unique or high-value properties, our non-conforming mortgage options offer flexible lending solutions that don't conform to standard loan limits, allowing you to finance your dream home with ease.

Refinance

Our refinance mortgage services empower homeowners to lower their monthly payments, reduce interest rates, or tap into their home's equity, providing financial flexibility and peace of mind.

Our Staff

Our Team

Jasika Fersh

Founder

Ron Bil

CEO

Couple Dream Home

Why Now Is the Perfect Time To Upgrade to Your Dream Home

October 18, 20242 min read

Why Now Is the Perfect Time To Upgrade to Your Dream Home

If you've been thinking about selling your current home to upgrade to something bigger or more luxurious, you're not alone. In fact, many homebuyers today are driven by the desire for more space or to move into an upgraded home, according to a recent survey by Inman.

But, like many others, you might have hesitated due to the recent ups and downs in the housing market. Concerns over rising home costs and fluctuating mortgage rates are understandable, especially if an upgrade could lead to higher monthly payments. The good news? Despite these concerns, now might actually be the best time to make that move. Here’s why.

1. You’ve Built Up Significant Equity

One of the biggest advantages in today’s market is the equity you’ve likely gained in your current home. Over the past few years, home prices have grown consistently across the country, which means many homeowners now have substantial equity at their disposal. As Selma Hepp, Chief Economist at CoreLogic, points out, the average homeowner has gained around $129,000 in equity since the start of the pandemic.

What does this mean for you? That equity can be a powerful tool, especially if you’re planning to move up. You can use it toward the down payment on your new home, potentially reducing how much you need to borrow and keeping your monthly payments more manageable. If you’ve been in your home for several years, you might be surprised at how much equity you’ve built up. Talk to a real estate agent about getting a professional equity assessment to see where you stand.

2. Mortgage Rates Are Easing, Boosting Affordability

Another big factor working in your favor is that mortgage rates have started to ease. When rates drop, your monthly payments become more affordable, giving you more purchasing power. As Nadia Evangelou, Senior Economist at the National Association of Realtors (NAR), explains, lower rates mean you’ll pay less in interest over the life of the loan, which could make homes that were previously out of reach more affordable.

This increased affordability opens the door to more options when shopping for your next home. A trusted lender can help you understand how these changes affect your budget and how much home you can comfortably afford with current rates.

Bottom Line

If upgrading to your dream home is something you’ve been considering, now could be the perfect time to act. Between the equity you’ve built and falling mortgage rates, you’re in a strong position to make that move more achievable than you might think.

Ready to take the next step? Let’s connect to discuss how you can leverage today’s market and make your dream home a reality.

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Noel Brownell

Finding the right loan to purchase or refinance a home can be a very exciting yet stressful time and choosing the right Loan Consultant is vital in making the experience both smooth and rewarding. As a mortgage broker I can get you the most competitive rate and help guide you through the process of getting financed in a timely manner. In addition, it is my goal to give the highest level of informed service. As a Loan Consultant, I will ensure that you get the loan that best fits your needs and I will keep you informed frequently in regards to market data and trends that will help facilitate in important decisions. I love helping people and enjoy the challenges of structuring loans to fit your needs. Licensed by the Department of Business oversight under the California residential mortgage act. Equal Housing Lender. Company NMLS # NMLS # 918587

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Office: 206 Providence Mine Rd Suite 215

Nevada City, CA 95959

Call 530-863-3882

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Answer Home Loans, Inc. is a

Licensed Real Estate Broker,

California Department of Real Estate.

DRE #02058505

NMLS #1729528

Noel Brownell

Licensed Mortgage Broker

NMLS #918587