Let's get you home.
Buying a home is more than a transaction—it's a journey toward creating a space that's truly yours. It's about envisioning your future, building memories, and finding comfort in a place you call home. This journey begins with a simple conversation to understand your goals, answer your questions, and guide you every step of the way. Let's connect and start turning your homeownership dreams into reality.
The traditional option
Conventional Loans
Conventional loans are ideal for buyers with good credit and stable income. They typically come with competitive rates, flexible terms, and fewer restrictions on property types. If you’re putting down 3% or more and want to avoid mortgage insurance in the future, this could be a great fit.
Great for first time home buyers.
FHA Loans
FHA loans are designed to make homeownership more accessible, especially for first-time buyers or those with lower credit scores. With a down payment as low as 3.5% and more lenient guidelines, they offer a wise path to homeownership when conventional isn’t a match.
Don't fit into the traditional box?
Non-Traditional Financing
Not everyone fits neatly into a traditional lending box. That’s okay. If you’re self-employed, have unique income sources, or need to qualify using bank statements or asset-based options, flexible loan programs are designed just for you. We’ll look at the full picture and find a path that works with your real life, not just your tax return.
I'm Justin Coupe
CEO | NMLS ID:370376
Justin is the co-owner of Point Equity Residential Lending and a lifelong Placer County resident. As a father of two, he and his wife enjoy working outdoors with their kids on their fruit tree orchard.
Justin was a triple-honors graduate from UC Santa Cruz where he enjoyed playing for the great Bob Hansen on the Banana Slug tennis team. Year after year he is one of the highest producing Loan Officers in the greater Sacramento region for both loan volume and units.
As of April 2020, Justin had led Point Equity to six consecutive quarters of Paramount excellence awards.
"We had an amazing experience with Justin Coupe at Point Equity twice, and highly recommend him to anyone! Such a valuable and quality service that was customized to our personal, financial situation. Justin is so professional, friendly and most importantly was very transparent and readily available during the entire process. Thank you for making our dream home possible, Justin!"
"Justin and his team at Point Equity has helped us with multiple home loans. They're awesome. Always very responsive. And they don't miss any details; all the loans and underwriting sail thru without a hitch. You need the when you're competing for a home. Very glad we found them. Highly recommended."
"I had the pleasure of working with Justin on my recent mortgage application, and I cannot express enough gratitude for his expertise and professionalism throughout the entire process. From our initial consultation to closing my loan, Justin demonstrated exceptional knowledge of the mortgage industry and was incredibly responsive to all of my questions and concerns. He kept me informed, ensuring that I felt supported and informed throughout the entire journey. Overall, I cannot recommend Justin highly enough to anyone needing a mortgage."