NORTHGATE

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

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    NMLS #2373416+ Years ExperienceLicensed Nationwide
    125+
    Loans Closed
    6+
    Years in Business
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Paul Laterza

    Branch Manager/Sr. Loan Officer

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    Loan Programs

    Every option. Your best fit.

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    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

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    Estimate monthly payments based on your actual scenario
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    Explore loan programs matched to your situation
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    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 38 families & counting

    ★★★★★4.938 verified reviews
    "
    Estimado Paul Laterza, Quiero expresar en nombre de mi familia y tu servidora , mi más sincero agradecimiento por hacer posible uno de los sueños más importantes de nuestras vida: convertirnos en propietari de hogar Desde el primer día, demostró un profesionalismo excepcional, una gran dedicación y un compromiso genuino conmigo y con mi familia. Siempre estuvo disponible para responder mis preguntas, explicarme cada detalle del proceso y brindarme la confianza que necesitaba en cada etapa. Lo que más valoro fue su honestidad, paciencia y la forma en que hizo que todo el proceso fuera mucho más sencillo y menos estresante. En todo momento me sentí respaldada, y su experiencia marcó una gran diferencia para lograr este importante objetivo. Estoy profundamente agradecida y completamente satisfecha con el excelente servicio que recibí, lo recomendaré a cualquier persona que esté buscando un prestamista confiable, profesional y comprometido con ayudar a sus clientes a cumplir el sueño de tener su propia casa. Muchas gracias por su dedicación, esfuerzo y por ayudarme a hacer realidad este gran sueño. Con gratitud, Yahaira
    Yahaira Yezeli C.
    Vallejo, CA · via Paul Laterza
    July 2026
    "
    The help and advice and overall communication with Paul and the team was great, they made it happen and I am very happy.
    Victor D.
    Vallejo, CA · via Paul Laterza
    July 2026
    "
    Grasias Paul por su hayuda y por estar siempre atento en el proseso y ayudar haser el proseso mas rapido y buscar otras opsiones para seguir continuando
    Manuel F.
    Concord, CA · via Paul Laterza
    June 2026
    “
    was always there to answer our questions.
    Rodisela C.
    Santa Ana, CA · via Paul Laterza
    May 2026
    “
    I had a great experience working with Paul on my refinance. From start to finish, he made the entire process feel smooth, straightforward, and stress-free. He was always responsive, patient, and willing to explain each step clearly, which gave me a lot of confidence along the way. Paul handled everything efficiently and kept things moving without any unnecessary delays. His professionalism and attention to detail really stood out, and it was clear he genuinely cared about making the experience as easy as possible for me. I truly appreciate all his help and would highly recommend Paul to anyone looking for a hassle-free refinance experience.
    Jon Michael C.
    Vallejo, CA · via Paul Laterza
    March 2026
    “
    All the staff were exelente and they explain everything very well.
    Douglas O G.
    Richmond, CA · via Paul Laterza
    February 2026
    “
    1.- great service 2.- He speaks Spanish and he explained everything clearly
    Oscar H.
    Oakley, CA · via Paul Laterza
    November 2025
    “
    Everything, Paul makes communication so easy, he is bilingual Spanish and English, makes a great welcoming environment when meeting and talking in person and over the phone. He is so knowledgeable, very passionate about his job, such a people person, he demonstrate professionalism in a such a friendly and kind way. He is amazingly at his job... So glad we have met and had a opportunity to work with him..
    Israel V.
    Richmond, CA · via Paul Laterza
    June 2025
    “
    Excellent communication throughout the process, responsive and understanding of our questions and our needs.
    Amy Lenette Z.
    Richmond, CA · via Paul Laterza
    January 2025
    “
    I am grateful for all the support that I received from Paul Laterza, the communication was the key to helping me with all the process through to finally reach my goals . Thank you Paul and his team , I have my house ??????
    Dalia Berenice O.
    Oakland, CA · via Paul Laterza
    July 2024
    “
    Paul is a very professional and kind person, he always answered our questions and although the process was long and a little difficult, Paul looked for a way to make everything go well. Thank you Paul for all your support.
    Eduardo P.
    Olivehurst, CA · via Paul Laterza
    July 2024
    “
    We've worked with Paul since we first purchased our home 11 years ago. He's helped us refinance a couple of times and has given us great recommendations on programs that's benefited us financially. His professionalism and service has never faltered and is always consistent. He's honest and always meets our needs. We really appreciate and value Paul's ethics and knowledge. We can always count on him to guide us in the right direction. Paul is the only person we trust with our financial home needs. We stand by Paul no matter what!
    Mark E A.
    Fairfield · via Paul Laterza
    January 2024
    “
    Paul es una gran persona , muy paciente , accesible , explica muy bien todas las dudas , me agrado haber sido asesorada por el , estoy pensando volver a tenerlo en la próxima vez que compre otra propiedad . Gracias Paul por toda tu ayuda , y te recomendaría con mis amigos . Esta es mi segunda propiedad y con las personas que me ayudaron no quede satisfecha , así que encontré a Paul y definitivamente estoy muy agradecida con Paul .
    Maria Del Rosa L.
    Richmond, CA · via Paul Laterza
    July 2023
    “
    Muy amable, buena comunicación y muchos buenos consejos. Muy buena persona.
    Denis M.
    Oakland, CA · via Paul Laterza
    June 2023
    “
    Great communication, very professional. Always on point and up to date with everything. Thank you again
    Juan Carlos C.
    Perris, CA · via Paul Laterza
    January 2023
    “
    Paul was honest and very helpful throughout the process. I enjoyed working with him and his team.
    Sara W.
    San Pablo, CA · via Paul Laterza
    July 2022
    “
    It was great because he really helped us out and was always there when we needed him.
    Maria L.
    Oakland, CA · via Paul Laterza
    May 2022
    “
    Very easy to work with and great customer service!
    Carlos B G.
    Brentwood, CA · via Paul Laterza
    April 2022
    “
    The kindness to answer my questions and take the time to explain step by step all the process.
    Mirna Elizabeth V.
    San Francisco, CA · via Paul Laterza
    March 2022
    “
    Since we are first buyer we had millions questions. Paul was always there for clarification.
    Jennifer Leticia F.
    Pittsburg, CA · via Paul Laterza
    March 2022
    “
    The communication and professional work from paul
    Marco Antonio D.
    Pittsburg, CA · via Paul Laterza
    March 2022
    “
    His constant availability on any question or concern we had. He is a very hard worker that makes you feel like you are his only priority. Customer service is on point. Soooooo appreciated!!!
    Mark W F.
    Hayward, CA · via Paul Laterza
    January 2022
    “
    Paul was very friendly and was able to answer all of our questions. He always took the time to e-mail us or calls us in every step of the process. He answered all our questions and doubts.
    Laura C.
    Vacaville, CA · via Paul Laterza
    December 2021
    “
    Muy satisfecha con su trabajo tan profesional nos brindo muchísima ayuda me encanto lo recomiento al ??
    Jose Antonio R.
    Oakland, CA · via Paul Laterza
    December 2021
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    Our Branch

    Northgate

    American Financial Network · NMLS #237341

    Address
    9280 W. Stockton Blvd Suite 222
    Elk Grove, CA 95758
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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