JP Rai - Loan Officer

(916) 920-1000

Answer Home Loans

6085 Douglas BLVD Ste 500, Granite Bay, CA 95746

People buy Real Estate for many different reasons, including relocating from other cities, first time home-buyers who are tired of increasing rents and want to build equity, "up-sizers" whose families are growing larger, "down-sizers" whose kids have all grown up and moved out, and a variety of other reasons. But regardless of the reason for buying a home, one thing remains the same - the starting point...and that is getting pre-approved for your home loan. This is the starting point, because NO seller will even look at an offer if it is not submitted along with a pre-approval letter. 

After being in the lending industry for over 20 years, whether you're purchasing your first home, upgrading to accommodate an expanding family - or refinancing to cash-out or obtain more favorable terms, I'll ensure that your best interests are at the heart of the loan solution which I will help you choose. Integrity-based lending practices are the "back-bone" behind my rock-solid reputation as one of the Top Mortgage lenders in Sacramento. 

From application through closing, and every step along the way, you'll be confident that you're in good hands with me as you're Loan Officer, backed by the Award-winning home loan services offered by Answer Home Loans.


Same Day Pre-Approvals!

Call me Today for a quick phone consultation and receive your pre-approval letter in as little as 1 Hour!  


Experience and Specialty


  • Over 20 Years Experience in the Lending Field
  • Experience in Underwriting
  • Managerial Experience 
  • Real Estate Investing Experience


  • NMLS # 281663