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Serving Grass Valley & Nevada City Since 1992

Providing personalized and compassionate loan services to first-time homebuyers, new families, and seniors.

Home Loans

From Conventional to VA or FHA John Voter will help you find the loan program that works for you.


Cash-Out, Term Reduction,

or FHA to conventional are just a few ways a refi could help you.

Reverse Mortgages

For homeowners 62 years and older a reverse mortgage could be the decision that changes your life.


Our Services

With over 30 years of experience, John offers a range of loan options, including Conventional, VA, FHA, and Reverse Mortgages, to help you find the right financing solution for your unique needs. He prioritizes your needs above all else and works closely with you to make the process stress-free and smooth. 


This is the most common type of mortgage, which is not backed by any government agency. These mortgages are ideal for borrowers with a strong credit score, steady employment history, and a down payment as low as 3%. Conventional mortgages typically offer lower interest rates and more flexible terms.

VA MORTGAGES (Veterans Affairs)

VA mortgages are available to active duty and retired military personnel and their families. These mortgages are backed by the Department of Veterans Affairs and offer many benefits, such as no down payment, lower interest rates, and flexible credit requirements.

FHA MORTGAGES (Federally Backed)

These mortgages are backed by the Federal Housing Administration and are ideal for borrowers who have a lower credit score or a smaller down payment. FHA mortgages typically require a down payment of only 3.5% and offer more lenient credit requirements.


Reverse mortgages are for seniors who own their homes outright or have a significant amount of equity in their homes. With a reverse mortgage, the borrower can receive a lump sum or monthly payments from the lender, using their home as collateral. They can also receive a line of equity that they can defer funds from – the line of equity increases over time. The borrower is not required to make monthly payments & can remain in their home as long as they wish.

How we deliver our products makes the difference



To begin, we'll get to know each other and discuss your home buying goals and preferences. We'll explain the buying process, products available to you and answer any questions you may have.



Once you've found a home you love, we'll help you make an offer that's attractive to the seller. We'll guide you through the process and help you understand the terms and conditions of the offer.



After your offer is accepted, we'll help you secure financing and obtain final approval for your mortgage. We'll work closely with you to make sure your prerequisites are in order for closing.



In the final step you'll sign the necessary paperwork to officially purchase your new home. We'll be there with you every step to ensure everything goes smoothly and all the details are taken care of.








Working with John Voter

When you first meet John, you'll notice his warm smile and his genuine interest in getting to know you. He takes the time to listen to your goals, and he always prioritizes your needs above all else. John understands that buying a home is a significant investment, and it can be a stressful and overwhelming experience. That's why he makes it his mission to guide you through the process with compassion and care.

When it comes to financing your home, John takes the time to understand where you are financially. He doesn't believe in a one-size-fits-all approach to mortgages and loans, and he works closely with you to find the best solution for your unique needs. Whether you're looking for a conventional mortgage, a VA mortgage, an FHA mortgage, or a reverse mortgage, John has the expertise and knowledge to help you make an informed decision.

One of John's greatest strengths is his ability to help your dream of homeownership come true. He knows that owning a home is a significant milestone in your life, and he takes pride in being able to help you achieve that goal. John works tirelessly to ensure that the process is as smooth and stress-free as possible, and he is always available to answer any questions or concerns you may have.

If you're looking for a mortgage and loan advisor who prioritizes your needs, understands your unique financial situation, and is committed to helping you achieve your dream of homeownership, then look no further than John. He is a trusted advisor who will guide you every step of the way, and he is dedicated to helping you make one of the most important investments of your life. So why wait? Get in touch with John today and take the first step towards achieving your dream of homeownership.

Let's talk about your needs & eliminate the guessing

Free Quotes

We speed up the loan process with our loan processing App eliminating the time of traditional systems. To receive your free personalized quote fill out the form so John can reach out to you.

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Ready to buy a home? Let's talk 

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