Ready to buy, refinance, or plan ahead? Let’s talk — no pressure, no credit pull.
I’m Eric Engman, a mortgage broker who starts with an honest conversation about your goals and options. We’ll discuss what you want to achieve, review your situation, and map realistic next steps — with no credit inquiry at this stage.
What I offer - A friendly, private conversation to understand your goals (buying, refinancing, cash-out, investment). - Clear explanation of loan types, down‑payment options, and programs you may qualify for. - No credit pull initially — we’ll only run credit when you’re ready to move forward.
Practical, straightforward advice about improving eligibility and timelines.
Fast, responsive guidance and help packaging documents when you decide to proceed.
Who this is for:
First-time buyers unsure where to start.
Homeowners thinking about refinancing or tapping equity.
Buyers worried about credit, down payment, or income documentation.
Anyone who wants an honest, realistic plan before committing.
Your next step...Let’s get a conversation started. Call or text 916.835.6084, email eric@spartanfunding.co, or schedule a free 15‑minute call here Contact Us No credit pull. No obligation — just clear, honest advice to help you move forward.
Eric Engman • Licensed Mortgage Broker • CA DRE #01432925 • NMLS 251886 • Personalized service • Confidential conversations
Tell us what you're looking for so we can match you with the perfect mortgage
We'll search for the top rates from our network of lenders in your area
Your lender will contact you shortly so you get more info or lock in your rate
Tools to help you get started
Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!
Our Secure Application takes about 7-10 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.
Our mortgage calculators help you hone in on the loan options that are best for you. Calculate your mortgage payments, affordability, and more.
Explore various loan program options to find the right fit for you and your family. We support everything from fixed rate to adjustable rate mortgages.
Learn about the Loan Process end to end. We have made it our mission to help you at every step of the way so you get the best loan option available to you.
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