Home Mortgage

With today's technology, there's no need to pay for the 1980's overhead model.

How we help!

Pre-Approval
Purchase Loan
Refinance

Your Advantage in a Competitive Market

Fast-Track Digital Pre-Approval: Get a head start on your home search with a secure, automated pre-approval process that minimizes paperwork and gives you a clear budget in minutes.
Diverse Loan Program Access: From low-down-payment FHA and VA loans to specialized conventional and jumbo options, we match you with the specific program that fits your financial goals.
Market-Leading Rate Transparency: Stay informed with real-time interest rate updates and expert guidance on when to lock in your rate to ensure you get the most "bang for your buck".
Proactive Refinance Monitoring: Our relationship doesn't end at closing; we continuously monitor market trends to alert you the moment a refinance opportunity could lower your monthly payment.

Here's what people are saying.

★ ★ ★ ★ ★

We worked with Xact Agency to buy our first home. We felt comfortable working with them. They were very helpful and knowledgeable. We highly recommend them!

Joana Carroll

★ ★ ★ ★ ★

Working with Brian and Nancy was truly a game-changer for our home-buying process. Their combined expertise in real estate and mortgage services made the entire journey incredibly seamless and stress-free. They were responsive, knowledgeable, and fantastic negotiators. The communication between them and us was flawless, which meant less back-and-forth. I recommend them for your real estate or mortgage needs.

Sonia Garcia

★ ★ ★ ★ ★

My husband and I are so grateful for everything Nancy and Brian have done in helping us sell our home. From day one, they both brought a level of professionalism, warmth, and dedication that truly set them apart.They were there every step of the way, answering every question, calming every concern, and making sure no detail was overlooked. It was so clear that they genuinely cared, not just about the sale, but about us. We are so thankful for their tireless work, honesty, and care. We are so grateful to have had them by our side during this transition. We highly recommend Xact Agency for any of your real estate needs!!

Brenda C.

Xact Agency is a corporation licensed by the California Department of Real Estate, License #02154738, NMLS ID #2485154. Mortgage services are provided under our DRE License and NMLS Mortgage Loan Originator Endorsement. We serve the State of California exclusively. DBAs under Xact Agency include Xact Real Estate (Referral Network), Xact Mortgage, Manteca Realty, and Manteca Mortgage.