#ilendsac
Sacramento
Sacramento Residential Mortgages
Your HomeYour FutureOur Commitment
Whether you're purchasing your first home, moving into your next, or exploring refinancing options, West Shore Mortgage provides personalized guidance to help you navigate your financing journey with confidence.
How can we help?
Start where you are.
Why West Shore Mortgage
A local mortgage professional in your corner.
West Shore Mortgage is a mortgage brokerage based in Sacramento, CA. Our goal is to understand your needs and make your home financing experience as clear and straightforward as possible.
- Personalized guidance for your situation
- Clear, responsive communication
- Loan program education — no jargon
- Support from application to closing
- Sacramento market knowledge
Meet Matthew Cole
Branch Manager & Mortgage Loan Officer
NMLS #633188 · DRE #01428815
Matthew Cole loves being around his family. He is married to his best friend and shares six children with her. Weekend trips to Lake Tahoe, Santa Cruz, or Fort Bragg are the moments he and his wife love to make with the family — and he brings that same care to every client he works with.
Meet MatthewMortgage programs
Find the loan that fits.
Conventional Fixed-Rate
A steady interest rate and predictable monthly payment for the life of the loan — typically 15 or 30 years. The most popular home loan in Sacramento.
Learn more →Adjustable-Rate (ARM)
A lower starting interest rate that adjusts after an initial fixed period — often a fit if you plan to move or refinance within a few years.
Learn more →FHA Loans
Government-insured home loans with low down payments and flexible credit guidelines — popular with first-time buyers in California.
Learn more →VA Loans
Zero-down home loans for eligible veterans, active-duty service members and surviving spouses — with no monthly mortgage insurance.
Learn more →USDA Loans
Zero-down home financing for eligible properties in qualifying rural and suburban areas of California, subject to household income limits.
Learn more →Down Payment Assistance
California programs like CalHFA MyHome and ZIP that help first-time buyers cover down payment and closing costs, with repayment deferred.
Learn more →Your mortgage journey
Three steps to get started.
Get Informed
Understand your financing options. Buying a home is one of the largest financial decisions you'll make, and the right loan program matters.
See the full home buying process →Client testimonials
What our clients say.
“This is our 5th time using Matt and each experience has been excellent. We will only use him, period. His responsive turnaround is so quick, it's as though he's responding before I hit send :) This last refinance was seamless, professional and we always know we are in good hands, getting the best rate. We highly recommend Matthew Cole.”
“Matt and his team are fantastic to work with. Quick, communicates easily, and always gets the job done for clients. Great Partner to have and a great lender to have in your corner when buying a home.”
“Fantastic lender, very helpful and professional and didn't just deliver what he promised but exceeded expectations!”
Educational resources
Estimate your payment.
Estimated monthly payment
$4,138
- Principal & interest
- $3,413
- Property taxes
- $600
- Insurance
- $125
- HOA
- $0
Educational estimate only — not a loan quote, rate lock, or approval. Excludes mortgage insurance and other costs. Actual terms depend on your credit, property and program guidelines.
How much home can I afford?
The factors lenders look at — and how to find a comfortable payment for your budget.
Read →Pre-qualification vs. pre-approval
Two terms that sound alike but carry very different weight with sellers.
Read →How much down payment do I need?
Why 20% isn't the only path — and the programs that may help.
Read →First-time home buyer programs in California
The state and loan programs that help California first-time buyers with down payments, closing costs and flexible qualifying.
Read →What are closing costs — and who pays them?
The fees due at closing, what they cover, and how buyers and sellers typically split them.
Read →What credit score do you need to buy a house?
How credit scores affect mortgage eligibility — and why a lower score doesn't always mean no.
Read →When does it make sense to refinance?
The goals, costs and break-even math that decide whether a refinance is worth it for you.
Read →Let's Make Your Next Move Possible.
Talk with Matthew about your goals, or start your secure application today.