Ben Bhangu

The Home Loan Guru!

NMLS: 746773

Ben@AnswerHomeLending.com

PLANT YOUR ROOTS THIS SPRING!

Homeownership is where memories will be made, traditions will be built, and a sense of belonging will GROW!

I can close loans as fast as 14 days depending on the loan program and get you into your new home asap. Amazing part is that if we close the loan in April, no mortgage payment till June!

Multilingual - Spanish, Punjabi, Hindi, and English!

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Happy family in living room under roof

About Us

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

About Us

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

Loan Programs

Here at Answer Home Lending, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

Loan Programs

Here at Answer Home Lending, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

Mortgage application form with an accompanying calculator

Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

Mortgage application form with an accompanying calculator

Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

Unlock the key to your new home with Answer Home Lending

years of experience

WHO WE ARE

Your Home, Our Expertise: Your Perfect Mortgage Partner

Our Vision Our Mission

Fast Approval: Streamlined application and approval process to get you into your new home sooner.

To provide exceptional service to clients by offering a wide range of mortgage products and services, while maintaining the highest level of integrity and professionalism.

Apply Now

Call Any Time 530-415-3004

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

5.0

101 reviews

Write a Review

Ben is my "Go to" loan officer. He always delivers what he promises because he is thorough in his interviews with prospective buyers. He is knowledgea ...

Ben is my "Go to" loan officer. He always delivers what he promises because he is thorough in his interviews with prospective buyers. He is knowledgeable, honest and always looks out for his clients.

1 week ago

Posted on Google

Referred to them by a long time trusted realtor friend. A delight to do business with. Very thorough, I had started the process with online lender but ...

Referred to them by a long time trusted realtor friend. A delight to do business with. Very thorough, I had started the process with online lender but it was too hard not being person to person. I was willing to pay more to deal with a local lender that I could see face to face. O my surprise Ben and Luz not only provided excellent service but gave us a better interest rate and cheaper closing costs.

1 week ago

Posted on Google

Wonderfully helpful in walking us thru the process of purchasing our first home. Thank You Ben!

Wonderfully helpful in walking us thru the process of purchasing our first home. Thank You Ben!

1 week ago

Posted on Google

As first time home buyers we really appreciate Ben and Luz! There were so many things that we didn't understand about the loan process, but Ben patien ...

As first time home buyers we really appreciate Ben and Luz! There were so many things that we didn't understand about the loan process, but Ben patiently and easily answered all of our questions and took the time to explain everything carefully. Many thanks to him!

1 week ago

Posted on Google

Ben and Luz are the best. They know what they are doing, they are smart in everything that is happening in the housing market and always available. Yo ...

Ben and Luz are the best. They know what they are doing, they are smart in everything that is happening in the housing market and always available. You can see how much they care for you as their client. I recommend them to anyone who is in the market of buying a home.

3 weeks ago

Posted on Google

It was an absolute pleasure working with Ben and Luz in the process of purchasing my family's first home. They displayed a great deal of professionali ...

It was an absolute pleasure working with Ben and Luz in the process of purchasing my family's first home. They displayed a great deal of professionalism, knowledge and patience. Ben is extremely responsive regardless of the time of day, especially for a first time home buyer. Couldn't have asked for a better team and I am very thankful! DEFINITELY A FIVE STAR EXPERIENCE!!

1 month ago

Posted on Google

I will recommend this place to my family and friends. They supported me by breaking down the paperwork and removing stress off my shoulders. They are ...

I will recommend this place to my family and friends. They supported me by breaking down the paperwork and removing stress off my shoulders. They are a friendly company and are there to always answer your questions? 😊

1 month ago

Posted on Google

Ben and Luz are amazing! They always were available and so thorough every step of the way. You can see and feel how much they care for each one of the ...

Ben and Luz are amazing! They always were available and so thorough every step of the way. You can see and feel how much they care for each one of their clients. Totally would recommend them.

1 month ago

Posted on Google

Ben and his team were amazing. He went out of the way to make sure I understood everything. Always sent me a text to make sure I was caught up on the ...

Ben and his team were amazing. He went out of the way to make sure I understood everything. Always sent me a text to make sure I was caught up on the whole process. There were no surprises. I would highly recommend him and his team

2 months ago

Posted on Google

Excellent communication and professionalism. Made a could be difficult transaction as smooth as butter.

Excellent communication and professionalism. Made a could be difficult transaction as smooth as butter.

2 months ago

Posted on Google

Thank you, Luz and Ben, for all your help on making a smooth loan process, we really appreciate founding your business for our loan needs and will be ...

Thank you, Luz and Ben, for all your help on making a smooth loan process, we really appreciate founding your business for our loan needs and will be happy to refer you guys and going forward with doing business with you again

4 months ago

Posted on Google

I am so thrilled to give an excellent review! I am a real estate broker and just closed one of the smoothest transactions ever! Ben and his team go ab ...

I am so thrilled to give an excellent review! I am a real estate broker and just closed one of the smoothest transactions ever! Ben and his team go above and beyond and our clients are now in their first home seamlessly! I highly recommend working with Ben on all of your lending needs:)

4 months ago

Posted on Google

The Bhangu Lending Team is the best! Call them for your lending needs! Recommend 100%. These past weeks have been a rollercoaster of emotions. There ...

The Bhangu Lending Team is the best! Call them for your lending needs! Recommend 100%. These past weeks have been a rollercoaster of emotions. There is no doubt that God sends angels to our lives to help us achieve our goals. Being patient taught me that Gods timing is always the right timing to make things happen in your favor. I am blessed to have worked with this amazing team. Ben and Luz made the loan process easy and answered all my million and one questions that made me confident that this can be possible. They were always a call or text away! They made this transaction easy and they explained amazingly everything so I could understand. Who drives from Yuba City to Ukiah to congratulate you and hand deliver a basket full of goodies? They did! They made this experience very personal and I am grateful. If anything I gained a lifetime friendship with them. I will forever be thankful with them for helping me throughout this process. May God Bless them 🙏🏽

5 months ago

Posted on Google

As a Realtor of 33 years, I understand the importance of a knowledgeable and reliable Team members to best service our valued clients. Ben has been a ...

As a Realtor of 33 years, I understand the importance of a knowledgeable and reliable Team members to best service our valued clients. Ben has been a reliable friend and valuable colleague for many of those years. Both Ben and Luz are wonderful individuals and are exceptional in their field...always have the answers and and readily bring their A-game. Their integrity is unparalleled, a definite virtue in the lending field. I trusted Ben to have the home buyer securely pre-approved for the purchase. Further, he pulled the proverbial rabbit out of his hat to make this last transaction come to fruition and on time! Thank you to Ben Bhangu, the Home Lian Guru!

5 months ago

Posted on Google

Ben and team were a pleasure to work with. Answered all questions in a timely matter and went above and beyond in our refinance. Will be using again a ...

Ben and team were a pleasure to work with. Answered all questions in a timely matter and went above and beyond in our refinance. Will be using again and referring friends/family.

5 months ago

Posted on Google

Ben was great. A home loan can be super confusing, but Ben was able to walk me through the whole process and answer all my questions.

Ben was great. A home loan can be super confusing, but Ben was able to walk me through the whole process and answer all my questions.

5 months ago

Posted on Google

I had the pleasure of working with Ben securing our new home and the experience was amazing. He explained every step of the loan process in great deta ...

I had the pleasure of working with Ben securing our new home and the experience was amazing. He explained every step of the loan process in great detail and kept us informed at all times. Working with him was made easy and he displayed great patience and sincerity. I couldn't have asked for a better experience and I was left very happy.

6 months ago

Posted on Google

Ben was amazing super patient and helpful throughout the entire process 10 out of 10 would highly recommend

Ben was amazing super patient and helpful throughout the entire process 10 out of 10 would highly recommend

Tabitha Haworth

6 months ago

Posted on Google

Ben and his team were amazing! Communication every step of the way, all questions answered, and closed on time! Wonderful working with you!

Ben and his team were amazing! Communication every step of the way, all questions answered, and closed on time! Wonderful working with you!

Lorraine Livingston

6 months ago

Posted on Google

Ben and his entire team are the greats people to work with. They made the purchase process very easy.

Ben and his entire team are the greats people to work with. They made the purchase process very easy.

6 months ago

Posted on Google

Ben, Luz and the team have done a few mortgages for our family. They are well organized kind and efficient. One of our deals was a nightmare and wou ...

Ben, Luz and the team have done a few mortgages for our family. They are well organized kind and efficient. One of our deals was a nightmare and wouldn’t have happened without them! I couldn’t recommend them more highly. And they’re not even the only mortgage brokers that are friends of mine I work with them over the others! If your in the greater Sacramento, Yuba and Sutter areas look no further for your mortgage team.

Aziz Bellarbi-Salah

7 months ago

Posted on Google

I recently worked with the Bhangu lending team and it was wonderful experience. Ben is extremely knowledgeable and welcoming. Ben and Luz made the who ...

I recently worked with the Bhangu lending team and it was wonderful experience. Ben is extremely knowledgeable and welcoming. Ben and Luz made the whole process smooth and easy to understand with excellent communication. I highly recommend The Bhangu team!

7 months ago

Posted on Google

Ben has been our mortgage broker through a home puchase, several refinances, and our latest equity loan. He's always friendly and professional but wh ...

Ben has been our mortgage broker through a home puchase, several refinances, and our latest equity loan. He's always friendly and professional but what my wife and I realy appreciate is that he's always so easy to get in touch with and always replies quickly to our calls and texts. We've recommended Ben to several friends who've needed a mortgage broker.

Ferenc Bertalan

7 months ago

Posted on Google

My wife and I are so thankful to have chosen Ben Bhangu for are first home loan. He welcomed and treated us like family. From day one everything was s ...

My wife and I are so thankful to have chosen Ben Bhangu for are first home loan. He welcomed and treated us like family. From day one everything was simple explaining all of are options and what we can and can’t do while trying to buy are first home. Anytime we had a question Ben and Luz were just a phone call, email or text away answering all my questions. We appreciate all there help throughout loan process and even after closing. Thank you very much

7 months ago

Posted on Google

We have purchased our homes and Refinanced a couple of them too, we have Always trusted Ben Bhangu and his Team. Ben is very clear and provides all th ...

We have purchased our homes and Refinanced a couple of them too, we have Always trusted Ben Bhangu and his Team. Ben is very clear and provides all the information you need to make your purchase a success.

Veronica Lavalle

8 months ago

Posted on Google

Great experience! Was very informative. I highly recommend Ben for home loans. For my next home I will definitely return to Ben.

Great experience! Was very informative. I highly recommend Ben for home loans. For my next home I will definitely return to Ben.

Cristian Miranda-Lavalle

8 months ago

Posted on Google

Ben and Luz were great with assisting us with our home loan, and finding us the best interest rate and insurance! Highly recommend.

Ben and Luz were great with assisting us with our home loan, and finding us the best interest rate and insurance! Highly recommend.

Melissa Giamugnani

8 months ago

Posted on Google

Was a Great Experience working With Ben threw out The Process of purchasing my first home he was always a phone call away for any questions and was al ...

Was a Great Experience working With Ben threw out The Process of purchasing my first home he was always a phone call away for any questions and was always good with explaining all the new information a first time home buyer would encounter.

santiago robles

8 months ago

Posted on Google

The Bhangu Lending Team were HIGHLY recommended by our local real estate agent Gordon Stringfield with RE/MAX Gold. Both Ben and Luz were welcoming an ...

The Bhangu Lending Team were HIGHLY recommended by our local real estate agent Gordon Stringfield with RE/MAX Gold. Both Ben and Luz were welcoming and professional. They made the lending process stress free. With their guidance and help I am excited to be in my Forever Home!

Christine Comerate

8 months ago

Posted on Google

The combination of knowledge, professionalism and customer service made working with Ben a pleasure.

The combination of knowledge, professionalism and customer service made working with Ben a pleasure.

8 months ago

Posted on Google

It was a great pleasure once to work with Ben Bhangu & Luz once again. Ben, and Luz are always very efficient!

It was a great pleasure once to work with Ben Bhangu & Luz once again. Ben, and Luz are always very efficient!

MargaritaS Santillan

8 months ago

Posted on Google

Courteous, prompt and accurate service for Ben and his team!

Courteous, prompt and accurate service for Ben and his team!

9 months ago

Posted on Google

Ben and his team closed my last transaction in 11 working days. Ben is the best in consultation with clients, always willing to take the time to expla ...

Ben and his team closed my last transaction in 11 working days. Ben is the best in consultation with clients, always willing to take the time to explain and always recommending what is best for the client. Recently, my client said they were more confident now that they are working with Ben. He is my go-to always.

Gordon Stringfield

9 months ago

Posted on Google

Ben Bhangu was very responsive and easy to work with. I highly recommend him for your loan.

Ben Bhangu was very responsive and easy to work with. I highly recommend him for your loan.

9 months ago

Posted on Google

Ben, Luz did an amazing job again. Process was smooth throughout the entire loan. They kept me informed on every step, Very professional and knowledge ...

Ben, Luz did an amazing job again. Process was smooth throughout the entire loan. They kept me informed on every step, Very professional and knowledgeable. Definitely recommend to everyone, give them a chance and you will be very amazed with their work. Thank you BEN, LUZ

9 months ago

Posted on Google

Gracias Ben y Luz por ayudarnos con la compra de nuestra casa. El Profesionalismo y dedicación con la que trabajan es admirable , ya que nos ayudaron ...

Gracias Ben y Luz por ayudarnos con la compra de nuestra casa. El Profesionalismo y dedicación con la que trabajan es admirable , ya que nos ayudaron paso a paso con todos los tramites y siempre contestaron todas nuestras preguntas lo más claro posible. Sin duda alguna hacen el mejor equipo !! Fam Robles

Rosy Ramos Figueroa

9 months ago

Posted on Google

I recently worked with Ben for my home loan and couldn't be more satisfied. From the beginning, Ben demonstrated exceptional professionalism and knowl ...

I recently worked with Ben for my home loan and couldn't be more satisfied. From the beginning, Ben demonstrated exceptional professionalism and knowledge, explaining all my options clearly and answering all my questions promptly. They were committed to securing the best terms for my loan, keeping me informed throughout the process. Their attention to detail made the experience seamless and stress-free. I highly recommend Ben for anyone in need of a loan. Their service and dedication are truly outstanding. Thank you for making my home buying experience a positive one!

9 months ago

Posted on Google

Ben and Luz were amazing throughout the entire loan process. They are extremely knowledgeable and were able to guide my first time home buyers with ea ...

Ben and Luz were amazing throughout the entire loan process. They are extremely knowledgeable and were able to guide my first time home buyers with ease. Very thankful for their dedication and communication. Awesome work!

Alejandra Davila

10 months ago

Posted on Google

It’s not very often that I post a review of lenders. In my 24-year career in RE, I think I only gave reviews for Jeremy Kurtz and Ian Essary. This is ...

It’s not very often that I post a review of lenders. In my 24-year career in RE, I think I only gave reviews for Jeremy Kurtz and Ian Essary. This is my third one and well deserved. I usually represent sellers, so I don’t really get much opportunity to choose which lenders to work with. Like others, I received an offer with Ben’s pre-qual letter attached to it. I can be totally honest, and say that without Ben’s doing and help, this deal would have never got into an escrow. I cannot disclose too much, but Ben was extremely instrumental in getting this one through. Throughout that whole process, he kept me (LA) in the loop without me reaching out and asking him which I often have to with other lenders. Keeping me posted with the process and updates without me reaching out, have saved me tremendous amount of time. This means a lot to me since I am always super busy. Ben’s professionalism was dead on. I have a very small pool lenders in my circle. So for me to post this, to me, it means that he really did a fabulous and tremendous job. You and Luz have been awesome. Keep it up, and thank you so much for everything.

10 months ago

Posted on Google

The Bhangu Lending Services stands out as a reliable option for individuals seeking financial assistance. With a transparent and straightforward appli ...

The Bhangu Lending Services stands out as a reliable option for individuals seeking financial assistance. With a transparent and straightforward application process, customers can easily navigate through various loan options tailored to their needs. Moreover, The Bhangu Lending Services commitment to customer service is commendable, with knowledgeable representatives available to assist throughout the loan process. Their efficient approval and funding process ensure timely access to funds, enhancing overall customer satisfaction. Overall, The Bhangu Lending Services maintains a strong reputation for reliability, transparency, and customer service, making it a recommended choice for individuals seeking reputable loan lending solutions.

10 months ago

Posted on Google

Hardest working lending team out there. We had an amazing experience working with Ben and Luz. We couldn’t have gotten our dream home for our merging ...

Hardest working lending team out there. We had an amazing experience working with Ben and Luz. We couldn’t have gotten our dream home for our merging family without them. Their endless hard work to the very end of closing will never get forgotten, we can’t thank and praise them enough. Wouldn’t trust anyone else to ever help get me into the house I love then them.

11 months ago

Posted on Google

Ben, Luz and their team made the complicated process of getting a loan with a great rate, very simple. They kept me informed every step of the way and ...

Ben, Luz and their team made the complicated process of getting a loan with a great rate, very simple. They kept me informed every step of the way and were transparent about the entire process. I’ll definitely be using their services again.

11 months ago

Posted on Google

This is my second time doing a loan with Ben. He did an amazing job again. My loan was not easy, but he worked hard to get my loan approved. He got us ...

This is my second time doing a loan with Ben. He did an amazing job again. My loan was not easy, but he worked hard to get my loan approved. He got us a great rate and even closed the loan early. I highly recommend Ben and his team for a home loan.

11 months ago

Posted on Google

Ben did an amazing job to say the least! He was able to help me work through any issue pertaining to the loan, one of the hurdles was huge and was abl ...

Ben did an amazing job to say the least! He was able to help me work through any issue pertaining to the loan, one of the hurdles was huge and was able to get me a great loan deal! I will be recommending his services to all my friends and family when they are looking to purchase/refi a new/current home. True professional who doesn't stop until the work is done!

christian cowsert

11 months ago

Posted on Google

The Bhangu lending team is awesome. Friendly, caring and professional. Looking forward to my next deal. Thank you

The Bhangu lending team is awesome. Friendly, caring and professional. Looking forward to my next deal. Thank you

11 months ago

Posted on Google

It was a pleasure working with Ben. Always kept everyone on the transaction informed on a timely basis. It was a smooth & on time closing experience f ...

It was a pleasure working with Ben. Always kept everyone on the transaction informed on a timely basis. It was a smooth & on time closing experience for our clients.

Raudel Del Real

11 months ago

Posted on Google

I recently worked alongside Ben and his assistant Luz to facilitate the purchase of a home for a homebuyer, and I must say, their dedication and profe ...

I recently worked alongside Ben and his assistant Luz to facilitate the purchase of a home for a homebuyer, and I must say, their dedication and professionalism made all the difference in securing a successful outcome for our buyer. Throughout the entire process, Ben and Luz consistently went above and beyond to ensure a smooth and seamless experience. Ben's commitment to communication was truly outstanding. Ben made it a priority to ensure that everyone involved in the real estate transaction was well-informed. He took the initiative to communicate with all parties, ensuring transparency and clarity throughout. Ben and Luz are an invaluable asset in the realm of home financing. Their dedication, professionalism, and commitment to client satisfaction set them apart in the industry. I wholeheartedly recommend Ben and Luz to anyone in need of reliable and dedicated support during the home loan process. Thank you, Ben and Luz, for your exemplary service and for making the dream of homeownership a reality for my buyer. ~Erika Johannsen REALTOR®, DRE#01831198 Aztec Real Estate

1 year ago

Posted on Google

Ben was wonderful to work with -always on top of things, great communication, and got me a good loan.

Ben was wonderful to work with -always on top of things, great communication, and got me a good loan.

1 year ago

Posted on Google

It has been a great pleasure to collaborate with Ben Behangu, who consistently demonstrated exceptional commitment and dedication to ensuring a smooth ...

It has been a great pleasure to collaborate with Ben Behangu, who consistently demonstrated exceptional commitment and dedication to ensuring a smooth and successful transaction for our client. Ben's unparalleled expertise and professionalism enabled him to go above and beyond in providing invaluable support and guidance throughout the loan process. His unwavering dedication to our client's needs truly set him apart, and we are incredibly grateful for his hard work and determination. Ben Behangu expertise and professionalism have proven to be invaluable assets to our team. We look forward to many more successful collaborations with Ben in the future. Thank you, Ben, for your outstanding contributions and unwavering commitment to excellence. Your hard work has truly made a difference, and we are grateful for the opportunity to work alongside such a talented professional. Sincerely, Antonio D. Cisneros REALTOR®️ DRE 02165262

Antonio Cisneros

1 year ago

Posted on Google

My partner and I are first time homebuyers and had no idea how to even start the process. My realtor gave us Ben’s information and I’m so happy she di ...

My partner and I are first time homebuyers and had no idea how to even start the process. My realtor gave us Ben’s information and I’m so happy she did! Ben and Luz were on top of everything! I had many questions and no matter how small or how many times I would ask for clarification, Ben was always happy to answer! He explained things so my partner and I would fully understand the process and what the next steps were. I will always recommend Ben and would be more than happy to work with him again!

Rosanna Caldwell

1 year ago

Posted on Google