In House Mortgage Services
Mortgage Loan Options
We offer multiple loan options to help you finance your next rental or multi-unit property. Whether you’re using a conventional mortgage, leveraging home equity, or opting for a DSCR loan, we provide tailored solutions to fit your investment goals.
✔️ Conventional Loans: Low rates, 15-30 year terms, and down payments as low as 15%
✔️ DSCR Loans: No income verification—qualification based on rental income, ideal for investors
✔️ HELOC & Home Equity Loans: Access up to 80% of your home’s value to fund investments
✔️ Cash-Out Refinance: Refinance your primary home to pull equity and reinvest
Recent Reviews
Gurleen from Manteca, CA
We had the pleasure of working with Amardeep Singh during our recent home-buying journey, and we couldn’t be more grateful for his expertise and guidance. From the moment we first met, Amardeep’s professionalism, knowledge, and dedication to helping us find the perfect home stood out.
Thanks to Amardeep’s expertise, we were able to secure our dream home, and we truly appreciate all the hard work he put in to make it happen. If you're looking for a dedicated, trustworthy, and knowledgeable real estate agent, we wholeheartedly recommend Amardeep Singh. He made our home-buying experience smooth, stress-free, and enjoyable.
Edwin from Manteca, CA
Although, we owned a home before in the United Kingdom, we were first time homebuyers here in the US. Our situation was a challenging one but when we were referred to Amardeep by our realtor, we immediately had the feeling that our purchase would happen in a timely manner. Amardeep and his team, special mention to Farhat, had been patient with us and supportive, guiding us and leading us with the best approach to secure our purchase. They were there throughout the process and were as excited as we were when we got the keys. Amardeep was even nice to check on how we were doing with the move. Thanks Amardeep, Farhat and the rest of the team for making it possible for us to have our first owned home.
Russ from Sacramento, CA
Amardeep took the time to truly understand our needs and preferences, and he patiently guided us through every step of the process. Whether it was answering our many questions, negotiating on our behalf, or offering valuable insights into the market, Amardeep was always there to ensure we felt comfortable and informed.
What impressed us most was his unwavering commitment to finding a home that met our criteria—he never pushed us into a decision and always had our best interests at heart. His communication was clear and timely, and he made sure we were well-prepared for each stage of the process.
Gulbagh from Hayward, CA
We had an awesome experience with Amardeep and his team while purchasing our dream home in California. Being a remote worker we got trust and understanding developed based on Mr Singh's expertise in the market and strategic approach to the entire process of home buying. He navigated the entire experience with professionalism, keeping us well informed and easing any concerns at every step.
The valuable tips and advices he provided were instrumental at making our final decision. Mr Singh goes beyond professionalism - creating a comfortable atmosphere and a fostering a great relationship. We highly appreciate his dedication and highly recommend for anyone seeking a professional and effective real estate partner.
Shoaib from Lathrop, CA
I had the pleasure of working with Amardeep Singh at Statewide Realty and Mortgage during my home purchase, and I highly recommend him. Amardeep made the loan process incredibly smooth and stress-free. His expertise in this field is evident, and his deep knowledge ensured everything went off without a hitch. He was always available to answer my questions and guide me through each step with confidence. Thanks to Amardeep, securing my home loan was a seamless experience. He is a fantastic professional and a true expert in his field.
Binay from Roseville, CA
My sincere appreciation to Amardeep and zéro closing loan to make my home buying and home loan process absolutely smooth. From start to approvals and delivery all on time and all queries answered.
Navgeet from Fair Oaks, CA
We have been working with Amardeep Singh for past few years and he had help us with loan for all our properties. It has been pleasure working with Mr. Singh and his team. He was there for us at every step. Looking forward to work with Amardeep Singh in future.
About Amardeep Singh
Let me help you grow.
Real estate is more than a profession for me—it’s a legacy. Coming from a family with three generations in the industry, I have been immersed in real estate for as long as I can remember. My wife, both children, brother, sister-in-law, and nephew are all Realtors, making real estate a true family business.
Real estate is more than a profession for me—it’s a legacy. Coming from a family with three generations in the industry, I have been immersed in real estate for as long as I can remember. My wife, both children, brother, sister-in-law, and nephew are all Realtors, making real estate a true family business. estate is more than a profession for me—it’s a legacy. Coming from a family with three generations in the industry, I have been immersed in real estate for as long as I can remember. My wife, both children, brother, sister-in-law, and nephew are all Realtors, making real estate a true family business.
Licensed since 2000, I have extensive experience navigating the Sacramento market through its ever-changing cycles. From bank foreclosures and short sales to property auctions, I have seen and successfully managed every market shift. I understand that real estate trends evolve approximately every three years, and my team and I are always prepared to adapt, ensuring our clients make the best decisions in any market.
Sacramento continues to expand rapidly, with new developments emerging in Elk Grove, Roseville, Folsom, Rancho Cordova, and Natomas. Builders are transforming every available piece of land, creating exciting opportunities for homebuyers and investors alike. With its strategic location, strong economy, and growing demand, Sacramento remains one of the best places to invest in real estate.
As we celebrate 25 years in the business, my team and I take pride in having helped hundreds of families achieve their real estate dreams—whether buying a first home, upgrading, or building a profitable investment portfolio. Our in-house lending team has successfully refinanced loans at competitive rates, improving cash flow for landlords and maximizing returns for investors. We continuously seek the best financing solutions to support our clients’ long-term success.
Beyond real estate, I am passionate about giving back to the community. I proudly support organizations such as:
- **Eh Janam Tumare Lekhe** – Humanitarian and charitable initiatives.
- **Sacramento Telangana** – Promoting cultural and social programs.
- **Sacramento Tamil Mandram** – Preserving Tamil heritage and traditions.
- **BAPS Rancho Cordova** – Engaging in spiritual and community service efforts.
With deep industry expertise and a commitment to both my clients and my community, I strive to make a lasting impact in the Sacramento real estate market. Whether you're buying, selling, or investing, my team and I are here to guide you every step of the way.
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