Mortgage Loan Programs in Folsom, CA
Andrey Dimitrashuk at Rocket Mortgage offers mortgage solutions for homebuyers, homeowners, self-employed borrowers, and real estate investors throughout Folsom, Sacramento, and California. Explore conventional, FHA, VA, jumbo, alternative/Non-QM, DSCR, home equity, bridge, and refinance options based on your individual financing needs.
Services
We offer a range of home loan solutions to fit your needs — including Conventional, FHA, VA, Jumbo, Bank Statements and more — helping you find the right path to homeownership.
Alternative Loans (Non-QM)
Alternative loans are flexible financing solutions designed for borrowers who may not qualify for conventional mortgage products. They offer creative underwriting options including bank statement programs, asset-based lending, and DSCR loans for unique financial situations.
Jumbo Loans
Jumbo loans are mortgage products that exceed the conforming loan limits set by Fannie Mae and Freddie Mac, making them ideal for financing high-value properties. They typically require strong credit, higher down payments, and solid financial reserves to qualify.
FHA Home Loans
FHA loans are government-backed mortgages that can offer flexible credit and down-payment requirements for eligible borrowers. They may be useful for both first-time and repeat homebuyers who meet FHA and lender qualification requirements.
Conventional Loans
Conventional mortgages offer flexible financing for primary residences, second homes, and investment properties. Eligible borrowers may qualify for certain fixed-rate conventional programs with as little as 3% down. Private mortgage insurance generally applies when the down payment is less than 20%.
Home Equity Loan
Access a portion of your home's available equity without necessarily replacing your existing first mortgage. A home equity loan may provide funds for home improvements, debt consolidation, major expenses, or other financial goals, subject to program eligibility.
Bridge Loan
Bridge financing can help eligible homeowners access funds or purchase a new home before completing the sale of their current property. It can be useful when timing the purchase and sale of two homes doesn't line up perfectly.
VA Loans
VA loans provide valuable mortgage benefits for eligible veterans, active-duty service members, and qualifying surviving spouses, including potential zero-down financing and no monthly private mortgage insurance.
Mortgage Refinance
Mortgage refinancing replaces your existing home loan with a new one, often to secure a lower interest rate, reduce monthly payments, or access your home's equity. It can be a powerful financial tool to improve your long-term savings or fund major life expenses.
Bank Statement Loans
Instead of relying primarily on traditional tax-return income, Bank Statement Loans evaluate qualifying deposits reflected on personal or business bank statements.
Asset Depletion Loans
An asset depletion mortgage, sometimes called an asset-based mortgage, may allow eligible assets to be converted into qualifying monthly income for mortgage purposes.
Andrey Dimitrashuk
Mortgage Loan Originator
Folsom Office
785 Orchard Dr #250
Folsom, CA 95630
Hours: Open 24 hours (by appointment after normal business hours)
Languages: English · Russian · Ukrainian
Языки: Английский · Русский · Украинский
Мови: Англійська · Російська · Українська
Rocket Mortgage is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
California: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
© 2026 Loans by Drey, a DBA of Andrey Dimitrashuk operating under Rocket Mortgage. All rights reserved.
Last updated: October 6, 2026