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Fordy Realty+Lending | DRE 01999983 | NMLS 1993005

Mortgage Broker

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Website | (510) 846-6415
1024 Iron Point Rd, Folsom, CA 95630, USA

Opening Hours:
Monday: Open 24 hours
Tuesday: Open 24 hours
Wednesday: Open 24 hours
Thursday: Open 24 hours
Friday: Open 24 hours
Saturday: Open 24 hours
Sunday: Open 24 hours


Area Served:
Within 4 miles (6.4km) of 1024 Iron Point Rd, Folsom, CA 95630, USA
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We’re financial advisors who want to help the next generation of brokers, salespersons, investors, and individuals redefine financial literacy. As the borrower’s representative, we are working on their behalf. We want to earn your business. We’ll find the best possible rates and loan packages to help you save money. That’s one of the major benefits of using wholesale lenders rather than a retail lender.

A single-institution lender, such as a bank, only offers products from one entity. For years, individuals have been trained to look to their banks for their borrowing needs. Nonetheless, presently, banks provide their own products more often than not, and, on average, they charge higher rates. As a financial institution with access to numerous loan providers, we offer a wide variety of loan products. We work with dozens of loan providers. Sometimes, the same retail lenders offer lower rates go us than they do others.

As your broker, we have access to a network of banks, which allows us to find the best rates for you. We can use other financial institutions to find the best loan package for you if a bank isn’t the optimal solution.

Shopping for mortgages may take days, and comparing them is hard. A common mistake is selecting the wrong type of mortgage; this has serious consequences- thousands of dollars are wasted. Working with a wholesale mortgage broker is the best way to ensure you get the right mortgage for your needs. Our training ensures that you’ll save money.

Google Rating: 5.0 out of 5 stars (12 total ratings)

jay jay Panda
5 Star
Latasha Andrews was my agent in buying our home in Sacramento California . She is very proactive, very professional and she knows very well her plate. From my application approval to the final closing of our house . She is very thorough with all the transactions and documents , explaining it step by step . She is definitely an asset to your company .And because of this, I have personally recommended her to my family and friends . I will surely use her again for any home purchases I will encounter in the future. Thank you so much. J.O
Sunday 28th April 2024
James & Tish Mckenna
5 Star
In October of 2021 we went in search of a mortgage lender who had experience and knowledge with our situation with my husband being in the union. I can't even begin to describe the professionalism that Cheng and her team showed my husband and I throughout the entire process. Cheng worked hard to get us the best loan package available and kept us informed every step of the way. In fact my realtor said it was the easiest closing he has had as far as the loan process was concerned. The best decision we ever made was to put our trust in Cheng and Fordy Realty to help us with our loan to purchase our dream home. Please don't delete this one it's not a fake review!!!!
Wednesday 15th June 2022
Molly Rengchhup
5 Star
Whether you are looking for a Realtor or Loan Officer, Cheng Ruiz is your person! She made our first time home purchase so smooth. Buying your first home can be nerve racking. However, she made us feel very comfortable throughout the entire process. Cheng is well educated and passionate about work! If you decide to work with her and ever have any questions, please do not hesitate to ask. She is very good at providing all the information you need or have concerns on. Trust me when I say she will go above and beyond for her clients! It was a pleasure working with you. Thank you again, Cheng!
Wednesday 27th September 2023
Rosalee Keomany
5 Star
We can’t thank Cheng enough for her generous help and so grateful for her support over the last few months. Since day 1 she welcomed our family with open arms. Her goal was to help us find a home and knew how important it was for our family. We toured over 15 homes, made multiple offers. It wasn’t an easy process and times I felt defeated telling myself I’ll never find a home. Cheng tho she was our cheerleader who didn’t give up, she reminded us it's ok and continued back on the drawing board to look at more homes. Regardless how much setbacks we encountered she was always there to support and reminded us there is a home out there for you. At that moment I told myself TRUST the process and by doing that she made that goal happen. WE found OUR home! Thank you again Cheng and Fordy realty we are incredibly grateful that we chose you to finding our home.
Monday 24th July 2023
Lyly Nguyen
5 Star
As my fiancé and I started the process of buying a house, we didn’t know where to begin. But because of Cheng, we have our first home and she made the whole process of getting a mortgage and closing so easy and smooth. And quick! Between my busy schedule and late night questions, Cheng was very accommodating and ever so patient with us. She was professional and most kind, very easy to work with. She worked hard on helping us fix our reports so we can get the best loan. I’m happy to recommend Cheng and her team at Fordy Realty.
Thursday 30th June 2022