Stelzmiller Brokerage

My wife and I (Mary Ann) have lived in the Placerville area since 1988. We raised four wonderful daughters here, been happily married for over 30 years, and love our friends and family that live in this beautiful community with us. We opened our office initially on main street (Pleasant Valley Rd.) Diamond Springs, across the street from the Diamond Springs Hotel and Restaurant, in 2009.

In many cases, lenders need a professional, independent appraisal of the property you want to buy or refinance to ensure that it is worth at least as much as they are being asked to lend on it. If you are making a smaller down payment and have a lower credit score, the lender is going to be even more interested in making sure the property that will be collateral for the loan is worth lending the amount requested.

There can be no question; getting a mortgage is a complex process. You wouldn't be here on our site if you could complete a simple mortgage application and get an excellent loan funded in one day. We do most of the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money.

Want to know if a home is still on the market, or if the price has changed? We can help. Simply fill out the information below and with no obligation to you we'll get back to you with your requested information. We guarantee your privacy. By checking the box, you agree that Stelzmiller Brokerage may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.

An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations.