Turn Times · Licensed mortgage broker
Mortgage broker serving Sacramento, CA
Turn Times is a licensed mortgage broker serving Sacramento, California borrowers through participating wholesale lenders.
Quick answer
What does a mortgage broker do for a Sacramento property?
Turn Times (Just Homes Inc.) is a licensed mortgage broker, not a lender. We can help eligible borrowers compare program types from participating wholesale lenders for properties in Sacramento and elsewhere in California. The lender selected by the borrower determines underwriting, approval, any rate lock and funding. This page does not state or imply that Turn Times has an office or branch in Sacramento.
Turn Times is a licensed mortgage broker, not a lender, and is not affiliated with or endorsed by the VA, FHA, HUD, or any government agency.
How Turn Times helps
- NMLS #2099552 · CA DFPI California Financing Law License #60DBO-181268.
- Program availability depends on the lender, property and borrower profile.
- Closing timing varies by lender, property, appraisal and underwriting.
Sacramento public homeownership resources
Sacramento County explains that its homeowners' exemption has owner-occupancy and filing requirements. It is a county tax resource, not a mortgage feature, and homeowners should confirm current requirements with the Assessor.
Public housing, counseling and assistance resources are independently administered. Review current agency materials directly and ask the agency whether its geographic scope, funding, documentation and eligibility rules apply to a particular household and property. A public resource is not a mortgage approval or a statement that financing or assistance is available.
A broker is not the lender
Turn Times is licensed to arrange loans for properties in California; it does not lend money. A borrower may compare options from participating wholesale lenders, but the lender chosen by the borrower reviews the complete application and property, then determines whether to approve, lock and fund a loan.
Consumers can independently verify licensing through NMLS Consumer Access using NMLS #2099552. California consumers may also review DFPI licensing information.
Review the Loan Estimate, not a generalized quote
The Consumer Financial Protection Bureau explains that a Loan Estimate presents the loan term, purpose, product, estimated payment, closing costs and estimated cash to close for a requested mortgage. Comparing Loan Estimates for the same kind of loan helps a borrower compare the full offer rather than a single number.
Turn Times may charge an origination fee. All fees are disclosed on your Loan Estimate. No rate, payment, APR, fee amount, approval, property value or closing date is promised on this page.
Property information and next steps
HUD's California page links prospective homeowners to homebuying information and HUD-approved counseling. Independent counseling does not determine a mortgage approval or public-program eligibility.
For a specific property, confirm public information with the relevant local authority, then compare written Loan Estimates and ask questions about loan terms, projected payments, total origination charges, third-party costs and cash to close. This page is general education, not legal, tax, housing-counseling or financial advice.
Compare your options
A licensed loan officer can review your scenario and explain program types through participating wholesale lenders. This is not an offer of credit.
Start your loan options inquiryFrequently asked questions
Is Turn Times located in Sacramento?
Turn Times is licensed to arrange loans for properties throughout California, including Sacramento. Our office is located in Orange, California; most consultations happen by phone or video.
What loan options may be available in Sacramento?
Through participating wholesale lenders, options may include purchase, first-time homebuyer, FHA, VA, conventional, jumbo, refinance, cash-out, HELOC or home equity, and Non-QM programs. Availability depends on the lender, property and borrower profile.
How can I check current loan limits?
Conforming and FHA limits are set annually by FHFA and HUD. A loan officer can help identify the applicable county limit for a specific property, and the lender determines final eligibility.
How long does closing take?
Closing timing varies by lender, property, appraisal and underwriting.
Sources
Sacramento County homeowners' exemption · HUD California homebuyer and counseling resources · CFPB Loan Estimate explainer · California DFPI mortgage licensing information · NMLS Consumer Access
Last updated October 12, 2026. NMLS #2099552.