At The Mortgage Company, while our process is automated and digital - our guidance is personal and unique to your financial situation. We bring a wealth of mortgage experience to every purchase and refinance loan, and our clients have all their questions answered up front and throughout the loan process. We’re experts at sorting through complex financial records and we mind the details. So while your loan is on an automated fasttrack, with state of the art technology, real people are staying connected to you from start to finish. The difference is our great advice, our attention to each client and every detail, and doing exactly what we promise - every time.

We believe mortgages should be fast and efficient, using technology to make it easier - not to create more work for our clients. Here’s what you can expect, with options to apply in the way that works for you: online or speaking directly with your Mortgage Consultant.

The Loan Process

Step One:
Start your online loan application securely using your smartphone, tablet or home computer whenever it’s convenient for you - 24 hours a day/ 7 days a week. Or connect with your Mortgage Consultant directly to complete the application together. With your goals, and your income/asset information available and permission to check your credit -- we can give you personalized information on programs and rates and fees.

Step Two:
Once we have your loan application, and you’ve had time to choose the mortgage loan option to fit your needs, interest rate and review the fees - we’ll move forward with gathering the necessary documents. We’ll provide you with a customized list of the information we need, and you’ll be able to send it all to us online, securely, by clicking here.

Step Three:
This is the point that you relax and let us take the stress off of your shoulders. You’ll have easy access to our team, and real time updates as we work on your loan. And once this process is complete, we’ll help you close your loan when and where you prefer. At home, at your office or ours -- any day of the week and time that works for you. Our commitment to you is to keep your loan moving forward quickly and answer all of your questions every step of the way.
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Our Team

We are proud to represent our clients.
Lonnie Dickson
Lonnie Dickson
Branch Manager – Folsom, CA
Licensed in CA
NMLS # 747878
Your home is your largest debt. And commonly your largest asset. Lonnie is a 12 year veteran in the residential lending industry. Through this time, which includes a 7 year period supervising a high performing sales team for Wells Fargo’s Private Bank, he has learned that each clients balance sheet is different and each client deserves a unique analysis of their lending needs. He is a dedicated residential lender putting you in a position to succeed financially.
Matt Keister
Matt Keister
Sr. Mortgage Loan Officer – Folsom, CA
Licensed in CA
NMLS # 909231
My top priority is helping my clients make an informed decision by presenting all available options with turnaround times in as little as two weeks. I’ve been in the mortgage business since 2003 and it has always been a natural fit for me. Home ownership is one of the most important investments we can make so I am devoted to serving my clients needs by pinpointing a strong real estate strategy and offering the optimal loan product at a competitive rate to accomplish their goals and dreams.


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