JPMorgan Chase & Co

Royal proudly serves clients in the Oakland, CA area. Royal has 10 years of experience as a Senior Home Lending Advisor and specializes in pre-qualification, lending to self-employed clients, lending to borrowers with limited credit history, first-time homebuyer programs, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Royal is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Royal can help you get a clear picture of what might work best for you. Royal will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Royal wants to ensure that you have a positive home lending experience.

Meet Andy Spellman, your dedicated loan officer based in Oakland, CA. Specializing in personalized mortgage solutions for repeat home buyers, first-time buyers, real estate investors, and homeowners looking to refinance, they are your seasoned expert on all things mortgage. Whether you want to explore Conventional loans, FHA loans, VA loans, Jumbo loans, home improvement loans, USDA home loans, or grant and down payment assistance, Andy is your go-to guide through the process. Connect with them today to learn more about our services, view customer testimonials, and start your mortgage prequalification process. Check out our mortgage blog for insights on current mortgage rates and trends, and feel free to use our mortgage calculator to estimate monthly payments. With their expertise, you'll stay ahead with accurate information on today's mortgage rates, helping you achieve your homeownership goals.