Buying a home
Get prepared before the right home appears.
Build a clear financing plan, understand your options, and enter the market with a pre-approval strategy designed to strengthen your position.
Explore purchase options →Homeology's Preferred Lending Partner
Financing thatgives you thebuyer’s advantage.
Whether you are purchasing a home or thinking about refinancing, get an experienced mortgage partner who can help you understand the numbers and move forward with confidence.
Or call Matt directly: 530-682-4092Purchase · Refinance · Pre-approval strategy
20+Years in the mortgage industry
Top 1%Lender nationwide
LocalIn & Around Sacramento area guidance
A better way to get started
A strong offer begins before you find the house.
The financing process should help you feel prepared and not leave you wondering what comes next.
Matthew Cole brings more than two decades of mortgage experience to every conversation. He helps buyers and homeowners understand their options, anticipate the next step, and make decisions with a clearer picture of the numbers.
More about Matt →The lending experience
Useful guidance at the moments that matter.
Clear strategy
Know the numbers before you make a move.
Understand the likely payment, cash needed and financing options before you start writing offers.
Responsive guidance
Questions answered when timing matters.
Get direct, practical communication through the pre-approval, offer and closing process.
Local experience
Advice grounded in the Sacramento market.
Work with a local mortgage professional who understands the pace and realities of our regional market.
Your mortgage partner
Experience you can reach directly.
Matt combines long term industry experience with direct, local communication so buyers, homeowners, and their real estate agents can stay aligned from the first question through closing.
- Name
- Matthew Cole
- Role
- Manager & Mortgage Loan Originator
- License
- NMLS #253083 · Company NMLS ID 279051
- Company
- West Shore Mortgage, a dba of Capitol City Real Estate Inc.
- Office
- 2600 Fair Oaks Blvd. #105, Sacramento, CA 95864
What happens next?
A clear path from questions to confidence.
- 1
Start with your goals
Share what you are considering, your rough timeline, and the questions you want answered.
- 2
Review the numbers
Walk through the information and loan paths that may fit your purchase or refinance goals.
- 3
Build your next step
Leave with a practical plan, whether you are ready now or preparing for later.
Frequently asked questions
A few things you may be wondering.
Have a question that is not covered here? Matt is only a call or email away.
Do I need to be ready to buy right now?+
No. An early conversation can help you understand your timeline, identify anything to work on, and build a plan before you begin touring homes.
Can Matt help with both a purchase and a refinance?+
Yes. Matt works with buyers preparing for a purchase as well as homeowners who want to review their current mortgage and refinance options.
What should I have ready for the first conversation?+
Bring your goals, an approximate timeline, and the questions that are on your mind. Matt can explain which financial documents will be useful for the next step.
Start with a conversation
Tell us what you’re considering.
Complete the short form directly below and Homeology will make sure Matt has the details he needs to provide useful, local guidance without pressure.
Matthew Cole · NMLS #633188 · Company NMLS ID 253083 · West Shore Mortgage, a dba of Capitol City Real Estate Inc. Loan approval and program availability are subject to applicable underwriting requirements.
