If you are looking for a mortgage broker in Folsom, CA, you are likely making one of the most important financial decisions of your life—and it should not feel confusing or overwhelming.

Andrey Dimitrashuk with Lending Concepts helps buyers and homeowners across Folsom and Sacramento County understand their options, make confident decisions, and move forward with a clear plan.

Whether you are buying your first home, upgrading, investing, or refinancing, the goal is simple: make the process easier, more transparent, and fully aligned with your financial goals.

Expert Home Loan Guidance, Simplified

At Lending Concepts, the focus is not just getting a loan approved—it is helping you understand what works best for your situation.

You will receive guidance on:

• Conventional Home Loans

• FHA Home Loans

• VA Loans (including 0% down for eligible buyers)

• USDA Loans

• Jumbo Loans

• Investment Property Financing

• Refinance Options (including cash-out)

• First-Time Homebuyer Programs

• Renovation / Rehab Loans

• Reverse Mortgages

Everything is explained in clear, simple terms so you always know what is happening and why.

What Makes Andrey Different

Most lenders process loans. Andrey focuses on solving problems and guiding people.

✔ We Find a Way When Others Say No

Many clients come after being turned away elsewhere. The focus is on identifying solutions and opportunities.

✔ Faster, Local In-House Processing

Loans are processed locally, helping speed things up and avoid unnecessary delays.

✔ Constant Communication (No Guessing)

You’re never left wondering what’s happening. You get updates, answers, and real support—especially important for first-time buyers.

Background & Approach

Andrey Dimitrashuk’s journey is built on resilience, discipline, and a deep commitment to helping others succeed.

He was born and raised in Ukraine and moved to the United States at the age of 18, knowing only three words in English: “Hi,” “Bye,” and “Chicken.” Despite the language barrier and starting from scratch, he immediately committed himself to building a better future through education and hard work.

Because he was no longer eligible for traditional high school, Andrey enrolled in both Fresno Adult School and Clovis Adult School simultaneously. Within a year, he advanced into college and began attending Fresno City College, where he earned an Associate Degree in Business Administration in 2005.

Shortly after, he married his wife, Angie, and entered the workforce. He began his professional career at Pelco, where he spent 10 years developing a strong foundation in business operations, finance, and analytics.

During his time at Pelco, Andrey continued his education at Fresno Pacific University, earning a Bachelor’s Degree in Business Management. His career progression at Pelco reflects both his work ethic and adaptability:

• Started as a Payroll Clerk

• Promoted to Sales Representative

• Advanced to Global Sales as a Business Analyst

When his position was ultimately eliminated, Andrey made a pivotal decision to enter the mortgage industry—combining his financial background, analytical mindset, and passion for helping people.

That experience built the foundation for how Andrey works today:

• Clear communication

• Strong attention to detail

• Putting clients first, not transactions

This approach is why many clients describe the process as “smooth,” “stress-free,” and “easy to understand.”

Experience & Authority

• [INSERT YEARS] years in the mortgage industry

• 50+ years combined team experience at Lending Concepts

• 5.0-star rating on Zillow with verified client reviews

• Featured mortgage expert on “Welcome Home Radio” (KYNO 940AM)

• Former President & Board Member – Community Housing Council of Fresno

Andrey has helped clients across Folsom, Sacramento County, and Fresno navigate the home loan process with confidence.

About Lending Concepts

Lending Concepts was built around a simple idea: the mortgage process should be clear, efficient, and built around the client—not the bank.

With in-house processing and a strong local presence, the team is able to move faster, stay flexible, and provide more personalized solutions than larger institutions.

The mission is to help more people achieve homeownership by making the process more accessible, understandable, and supportive.

Personal Life & Values

Andrey and his wife Angie are raising four children together, ranging in age from 2 to 19. Family plays a central role in how he approaches both life and business—with patience, responsibility, and long-term thinking.

Outside of mortgage lending, Andrey enjoys beekeeping and gardening. Beekeeping has taught him the value of consistency, discipline, and hard work—principles that directly influence how he serves his clients. He often shares his honey harvest with friends, family, and clients, reinforcing the relationships he builds.

These values carry into how clients are treated:

• With patience

• With honesty

• With real support

Philosophy

"Getting a mortgage should not feel confusing or intimidating."

Andrey believes that homeownership is one of the most powerful ways to build long-term stability and financial growth—and that the right guidance can make all the difference.

Local Expertise That Matters

Based in Folsom, CA, Andrey Dimitrashuk with Lending Concepts proudly serves:

• Folsom

• Roseville

• Rocklin

• Elk Grove

• El Dorado Hills

• Sacramento County

• Fresno (secondary market)

Understanding the differences between these local markets helps clients make better decisions—whether it's price ranges, competition, or loan strategy.

What Folsom Clients Say