Trusted Mortgage Company in Rocklin California

Your Home, Your Future—We Make It Happen!

Whether you're buying a home, refinancing for better terms, or tapping into your home's equity, LRG Lending provides tailored mortgage solutions to fit your needs. Our expert team is here to guide you every step of the way—fast, easy, and stress-free!
Home signing paperwork finance

Your Mortgage, Your Terms – Expert Guidance Every Step of the Way

At LRG Lending, we don’t just offer loans—we provide smart, strategic mortgage solutions tailored to your financial goals. Whether you're buying a home, refinancing, or leveraging your home’s equity, our expert team ensures a smooth, stress-free experience with fast closings, competitive rates, and personalized service.

Why Partner with LRG Lending?

LRG lending team

Local Expertise

Deep understanding of your area’s housing trends and lending options to get you the best deal.

No-Cost Guidance

Get expert advice and support at no cost to you. We're here to help you make informed decisions.

Easy Process

Streamlined process for quicker approvals, and a dedicated team supporting you from start to finish.

Don’t Miss Your Chance to Save on Your Mortgage!

The right time to refinance might not be today, but when rates drop, you don’t want to miss out on major savings. By signing up for our Rate Drop Notification, we’ll monitor the market for you and alert you the moment rates hit your target. No hassle, no guesswork—just smart savings, right on time.

Home signing keys

Our team is here for you

Carl Lewis
Carl Lewis
Broker & Owner

NMLS #666574CA

DRE #01968382

Negin Lewis
Negin Lewis
BDM & Co-Owner
Tracy Rover
Tracy Rover
Sr. Mortgage Consultant

NMLS #257260CA

DRE #01725051

Ayelet Kanarik
Ayelet Kanarik
Sr. Loan Partner

NMLS #670428CA

DRE #02109124

John Mamula
John Mamula
Sr. Loan Partner

NMLS #1997276CA

DRE #01019565

Tricia Davidson
Tricia Davidson
Licensing Specialist / Office Manager

What our customers say

Got Questions? We’ve Got Answers!

Navigating the mortgage process can feel overwhelming, but we’re here to make it simple. Whether you’re buying your first home, refinancing, or exploring home equity options, we’ve answered the most common questions to help you make informed decisions with confidence.

Home Purchase Financing
What are First-Time Homebuyer Programs?

These programs assist first-time homebuyers with guidance, favorable loan terms, and potential down payment assistance.

Home Purchase Financing
What is a Conventional Loan?

A traditional mortgage option for buyers with good credit and stable income, typically requiring a standard down payment.

Home Purchase Financing
What are VA Loans for First-Time Homebuyers?

Specialized loans for veterans purchasing their first home, offering no down payment and lower interest rates.

Home Purchase Financing
What does a VA Loan Specialist do?

VA Loan Specialists provide expert guidance through the VA loan process to maximize home financing benefits.

Home Purchase Financing
What is a VA Loan?

A mortgage option for veterans and active-duty service members with no down payment and favorable loan terms.

Home Purchase Financing
Are there Zero Down Payment options available?

Yes! Qualified buyers can purchase a home without a down payment, making homeownership more accessible.

Home Purchase Financing
What is Down Payment Assistance?

Programs that provide resources and financial aid to help buyers secure the necessary funds for a down payment.

Home Purchase Financing
What is an FHA Loan?

A government-backed mortgage with lower down payment requirements and flexible credit criteria, ideal for many buyers.

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Do you offer Relocation Assistance?

Yes! Our relocation specialists provide financing solutions and local market expertise for a seamless transition.

Home Purchase Financing
How fast can I close on a home loan?

We offer Fast Closing Services to expedite your home-buying journey with quick and efficient closings.

Home Purchase Financing
Can I qualify for a home loan with a Low Credit Score?

Yes! Financing options are available for buyers with less-than-perfect credit to achieve homeownership.

Home Refinance
What is Rate and Term Refinancing?

Adjust your mortgage’s interest rate or loan term to achieve better conditions and potentially lower monthly payments.

Home Refinance
What is FHA Streamline Refinancing?

A simplified refinancing process for current FHA loan holders, often without the need for a new appraisal.

Home Refinance
How can I lower my mortgage interest rate?

Refinancing may qualify you for a lower interest rate, reducing overall loan costs and monthly payments.

Home Refinance
What is a VA IRRRL (Interest Rate Reduction Refinance Loan)?

A streamlined refinance option for veterans with VA loans, aiming to reduce interest rates and monthly payments.

Home Refinance
What are Fixed-Rate Mortgages, and what terms are available?

Fixed-rate mortgages offer stable interest rates with 30-year, 20-year, and 15-year repayment options.

Home Equity Loans & Home Equity Lines of Credit
What is a Cash-Out Refinance?

A Cash-Out Refinance lets you tap into your home’s equity by refinancing for more than you owe and receiving the difference in cash.

Home Equity Loans & Home Equity Lines of Credit
What is a Debt Consolidation Loan?

A Debt Consolidation Loan allows you to combine multiple debts into a single loan with a potentially lower interest rate, simplifying payments.

Home Refinance
Can I refinance into a Conventional Loan?

Yes! If you qualify, refinancing into a conventional loan may provide better terms, lower interest rates, and reduced mortgage insurance.

Home Refinance
What is VA Cash-Out Refinance?

Allows veterans to access their home’s equity by refinancing into a new VA loan for cash-out purposes.