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Equity Zone Mortgage

Additional Locations

Phone: (916) 469-3624 View Additional Phone Numbers 9796 Club Park Dr, Elk Grove, CA 95757 View Additional Web Addresses

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and we also provide the following services and loan programs:

    * HARP 2.0 (Home Affordable Refinance Program) for "Underwater" homes (propety value is less than mortgage--UNLIMITED Loan-To-Value for Fannie Mae or Freddie Mac loans!)
    * HomePath and HomePath Renovation
    * FHA Streamline Refinance
    * FHA 203k Streamline (or Standard)
    * 95% Financing, One-Loan, NO Mortgage Insurance (Lender-Paid MI)
    * 97% Financing MyCommunity Loan

    * Purchase a home 1 day after Short Sale! (must be current on mortgage)
    * Down Payment Assistance Program
    * Cash Out Refinance (even for currently Listed Properties!)
    * Change in Rate/Term Refinance (Reduce your monthly payments!)
    * 95%, 97% and 100% Financing (Purchase & Refinance)
    * 102% Financing for Purchases (USDA)
    * Home Equity Loan
    * Home Equity Line of Credits

    * FHA Loans (Federal Housing Administration; Credit Score is not a qualifying factor!)
    * VA Loans (U.S. Department of Veterans Affairs)
    * Mortgage Credit Certificates (MCC) for First-Time Home Buyers
    * CalHFA Benefit Programs (California Housing Finance Agency, for First-Time Home Buyers)
    * CalPERS Benefit Programs (California Public Employee Retirement System)
    * CalSTRS Benefit Programs (California State Teachers' Retirement System)
    * Reverse Mortgages (No re-payment EVER! For Senior Citizens)

    * Commercial Loans
    * Land/Lot Loans
    * Construction-To-Permanent Loans
    * Renovation/Rehabilitation Loans
    * Manufactured Homes

    * Non-Permanent U.S. Residents (Foreign National)
    * First-Time Home Buyers Investment Properties, without landlord history
    * No Pay Stub, No W2, No Tax Return (VOE Program)
    * No Income, No Asset Vertification (No Doc)
    * 3% Below Market Interest Rate (3-2-1 Buydown)
    * 40 Years Term
    * Interest-Only Payments

    * Foreclosure Bailouts
    * Short Sale Financing
    * REO Financing (Banks' Real Estate Owned properties)
    * Same Day out of Bankrupcy Discharge Okay
    * Non-Prime (Supposedly "Bad" Credit)
    * Hard Money
    * And even the "Hard-To-Do" Loans!

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that affect the rating for Equity Zone Mortgage include:

  • Length of time business has been operating
  • No complaints filed with BBB

Customer Complaints Summary

0 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 0

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Equity Zone Mortgage
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: May 20, 2013 Business started: 01/01/2005 in CA Business started locally: 04/16/2012 Business incorporated 05/01/2007 in CA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

CA Bureau of Real Estate
1651 Exposition Blvd., Sacramento CA 95815
Phone Number: (877) 373-4542
Fax Number: (916) 263-8943
The number is 01434875.

CA Bureau of Real Estate
1651 Exposition Blvd., Sacramento CA 95815
Phone Number: (877) 373-4542
Fax Number: (916) 263-8943
The number is 01824314.

Type of Entity


Business Management
Mr. Kevin Nguyen, Owner Ms. Cecilia Chong, Office Manager
Contact Information
Principal: Mr. Kevin Nguyen, Owner
Business Category

Mortgage Brokers Reverse Mortgage Mortgage Lender Real Estate Developers Financial Services Real Estate Investors Mortgage Bankers Financing Consultants Real Estate Real Estate - Commercial Real Estate Agents Real Estate - Short Sale Real Estate - Rent to Own Real Estate Consultants Real Estate Schools Real Estate Services Financing Consumer Finance & Loan Companies Real Estate Loans

Products & Services

Equity Zone Mortgage sells the following brand(s): Conventional (Fannie Mae and Freddie Mac), FHA, USDA, VA

Equity Zone Mortgage offers the following product(s): Alternative Funding, Commercial Lending, Conforming, Downpayment Assistance Programs (DAPs), Government, Home Equity/HELOC, Jumbo, Portfolio, Private Lending/Hard Money

Method(s) of Payment
Cash, Check, Visa, MasterCard, AMEX, Discover
Alternate Business Names
Elite Norcal Corp.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.