Profile photo of Mortgage Consultant associate Chad Johnson.

Your Mortgage Consultant!

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Home financing tailored to meet your needs

We have a full suite of mortgage programs to meet your needs and give you a competitive edge:


Fixed & adjustable rate mortgages


Federal Housing administration loans (FHA)


Veterans affairs loans (VA)


Renovation financing


Jumbo loans

Get an Accurate Estimate

Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and PMI. Add your location for more accurate estimates.

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William S.
Stephanie T.
Justine L.
Gain Clarity. Make a Plan. Live Your Dream.

As a first-time home buyer, I was extremely nervous going into this. From the very first meeting, sequoia made me feel instantly at ease. The amount of personal care, attention to detail, help through every part of the process (including helping me find a mortgage broker) and work to make sure that any questions and worries were quickly answered was absolutely instrumental in making this possible for me....

— William S.

Gain Clarity. Make a Plan. Live Your Dream.

Cari Ann Carter and her team were awesome!!! During a period of time when stress levels were extremely high for me personally, Cari Ann and her team always took the time to make sure l had all the resources (painting, staging. cleaning, decluttering, closing services) and support (via calls, emails. texts) | needed to quickly and efficiently navigate the sale of my home. The team's attention to detail, k...

— Stephanie T.

Gain Clarity. Make a Plan. Live Your Dream.

Cari Ann, Pamala, and her team were fantastic with the sale of our house in the MacGrove neighborhood. They obviously knew the market very well and the staging was INCREDIBLE and instrumental in the quick sale of our house. Happy with the counsel/advice we received and the fantastic service. While Cari Ann Carter Group is at a slightly higher % for Realtor® fees, worth it just for the staging and high-to...

— Justine L.

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What's Your Home Really Worth?

What's Your Home Really Worth?

Your Home Valuation

Thank you! We are going to prepare a customized report with information on the value of your home.
Home Search

here to answer all your mortgage questions

No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

Want more information about mortgages?

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Work With Us

Cari Ann and her team deliver a stress-free and seamless process to help you through your next life transition. Whatever that might be.