Call or Text 707.689.1501
Phone: 707-678-2800
almond tree mortgage
Your Local Mortgage Broker for almost two decades
Find out how Almond Tree Mortgage can help make qualifying for a low rate mortgage EASY.
I'm Karstin, and I'm Here To Help
almond tree mortgage
You've heard the horror hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

I've got great news...

I'm here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy.

When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle that's normally associated with it.

It's easy to reach me - feel free to call me direct or if you prefer you can email me. Either way I'm here to make the experience of getting a mortgage a good one for you.

Whether you need the mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.
Would you like to discuss your mortgage with me?
All consultations are NO CHARGE and NO OBLIGATION.
What I Do
Outstanding Communication and Follow-up
We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan.
Professional Support
Count on us to be there with you and to help you navigate the entire mortgage process. We'll help you cut through the red tape and avoid the common mistakes people make.
low rates
Competitive Low Rates
We work with you to find the right program and secure low market rates to make sure you are paying the lowest payment each month.
close on time
Close Your Loan On Time
Not all lenders can close quickly or on time. We work closely with you through the process to meet all deadlines and make sure that your loan closes on time.
Ready to complete your application online? No problem!
Who I Help

First Time Home Buyers

We know how overwhelming the process of buying a home is, especially if it is the first time that you're doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you are so excited to be buying!
first time buyer

Move Up and Second Home Buyers

Buying a new home when you currently own one has it's own unique set of concerns. We can answer all of your questions about how to qualify and purchase a home when you already own one whether you're buying a new primary residence or a second vacation home.
move up buyer

Refinancing Home Owners

If you already own your home but you are looking to refinance to either save money with a lower interest rate or possibly take some cash out for any reason, we can help you with that. We also can show you how to make sure you are structuring your new financing to get the best deal possible.
refinancing homeowner

Investment Buyers

If you're buying real estate for investment purposes, we can help you secure low rate financing to maximize your ROI. 
investment buyers

Seniors Seeking Reverse Mortgages

If you are 62 years or older and are looking for options to stay in your home without a mortgage payment or to access your home's equity while still living there, I can answer your questions about reverse mortgages so you can decide if they are right for you.
reverse mortgages
What My Clients Say

“Thank you so much for all your help with my family’s paperwork mess! I know it was far from included in your job description.”
With much thanks-

- The Capps & Madeline F.

"Thank you so much for your assistance with the refinancing of our home. Your dedication and commitment to your customer is much appreciated. You certainly should be commended for your loyalty and willingness to go above and beyond to create a stress free transaction with the best outcome possible. It would be my pleasure to refer you."

- Darla J.
Work With Me
I recognize that your needs are unique, and I would love to find out exactly how I can be of service to you.
Contact me by email or give me a call.
If email is your preferred method of contact, go ahead and email me.
Call or text me today with any questions you have about the process - I'm happy to help.
Karstin Hickerson, NMLS #239050
1115 Stratford Ave, Suite D
Dixon, CA 95620
Office  707.678.2800
Call or Text 707.689.1501
Almond Tree Mortgage

almond tree mortgage
NMLS Consumer Access
equal housing lender

© Copyright All Rights Reserved | Terms & ConditionsPrivacy Policy

If you would like additional assistance or have accessibility concerns, please contact Karstin Hickerson at

Website Design by OriginatorSuccess, Hammer Solutions, LLC