Ben Bhangu

The Home Loan Guru!

NMLS: 746773

530-415-3004

Ben@AnswerHomeLending.com

Ben Bhangu The Home Loan Guru!

FALL IS ONE OF THE BEST TIME TO BUY A HOME!

The crips air, colorful leaves, and cozy vibes set the perfect stage for being in your dream home before before the holidays! 
 
Oh, the sellers are more motivated too as they want to find their dream home before the holidays. 

Don't wait - your perfect home is waiting for you this fall!

I can close loans as fast as 14 days depending on the loan program and get you into your new home ASAP.

Multilingual - Spanish, Punjabi, Hindi, and English!

Apply Now
Beautiful home at sunset

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
128 reviews
Write a Review
Rosie Gonzalez
Above and beyond - you don't come across many Lenders like this anymore! Thorough, attentive, detailed and always looking after their clients best int ...
Above and beyond - you don't come across many Lenders like this anymore! Thorough, attentive, detailed and always looking after their clients best interest. Zero sales tactics, zero gimics, just honest, solid work with Ben and Luz. Thank you both, we look forward to working with you soon!
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Rosie Gonzalez

1 week ago

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L A
It was a pleasure working with Ben and would highly recommend him to any one looking to purchase or refinance property. Ben is very knowledgeable and ...
It was a pleasure working with Ben and would highly recommend him to any one looking to purchase or refinance property. Ben is very knowledgeable and responds quickly to any questions that may come up. He made this transaction go very smoothly.
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L A

1 week ago

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Gib
Took care of everything for us very fast and very professional. He will walk you through the whole process to make sure you understand. He’s very know ...
Took care of everything for us very fast and very professional. He will walk you through the whole process to make sure you understand. He’s very knowledgeable and will go out of his way to get you the best deal !!!
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Gib

1 week ago

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Lacie Stumpf
Ben and Luz were a team made in heaven to work with!! They quickly closed on their timelines and did a phenomenal job at closing faster than original ...
Ben and Luz were a team made in heaven to work with!! They quickly closed on their timelines and did a phenomenal job at closing faster than original dates. I appreciate the hard work!! Highly recommend Ben and his team!
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Lacie Stumpf

1 week ago

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Joe Garcia
I had a wonderful and smooth process getting my home loan from Ben Bhangu. He was quick with all of my needs and questions. He gave me a competitive r ...
I had a wonderful and smooth process getting my home loan from Ben Bhangu. He was quick with all of my needs and questions. He gave me a competitive rate. Ben made this a smooth journey. I would definitely recommend Ben to anyone in the market
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Joe Garcia

2 weeks ago

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cap'n bob Kirchner
I worked with Ben and his team over the course of almost a year while looking for the perfect home. I was in contract three times, each time drawing o ...
I worked with Ben and his team over the course of almost a year while looking for the perfect home. I was in contract three times, each time drawing on Ben's expertise and encouragement. Mortgage brokers get paid when a deal closes and two of my deals did not go through. Even through my first efforts were frustrating Ben was patient and stuck with me with each complication. My situation was not "cookie cutter" including a pending divorce and a contingency contract. Ben stuck with me while I successfully found the perfect place. Thanks Ben. I highly recommend Ben and his team.
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cap'n bob Kirchner

3 weeks ago

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Bianca Soto
Working with Ben Bhangu (The Home Loan Guru) and his wonderful assistant Luz Gonzalez at Answer Home Lending was truly an exceptional experience! 🙌 Th ...
Working with Ben Bhangu (The Home Loan Guru) and his wonderful assistant Luz Gonzalez at Answer Home Lending was truly an exceptional experience! 🙌 They assisted my buyer clients in securing their home purchase with zero money out of pocket – an incredible win that completely exceeded expectations. My clients had originally been preapproved with another lender, but Ben came through with an even better loan option that not only saved them money but also helped us close quickly and smoothly. From start to finish, Ben explained every step of the process with patience and clarity, making sure everyone felt informed and confident along the way. Luz was equally amazing in providing seamless support and communication throughout the transaction. I am beyond impressed with their dedication, professionalism, and willingness to go above and beyond for clients. I would 100% recommend Ben and his team and absolutely look forward to working with them again in the future! — Bianca Soto, Realtor
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Bianca Soto

3 weeks ago

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Guadalupe Gutierrez
Ben y Luz estoy muy agredecida por todo su ayuda que nos dieron a mí y mi familia en comprar nuestra casa. Si alguien está buscando a un prestamista p ...
Ben y Luz estoy muy agredecida por todo su ayuda que nos dieron a mí y mi familia en comprar nuestra casa. Si alguien está buscando a un prestamista para comprar su casa se los recomiendo al 100 porciento. Muchas gracias de nuevo!
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Guadalupe Gutierrez

1 month ago

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Jennifer Lopez
Ben and Luz were extremely knowledgeable and helpful in my first time home buyer process! Highly recommend coming with them. They kept me up to date w ...
Ben and Luz were extremely knowledgeable and helpful in my first time home buyer process! Highly recommend coming with them. They kept me up to date with any progress, and questions I had, and even went above and beyond to go in person to complete my process to ensure that I had my home before my birthday! Luz también habla Español y puede ayudar con cualquier pregunta o duda!
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Jennifer Lopez

1 month ago

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Stacy Lee
5 Stars – Incredible Support from Ben for a First-Time Homebuyer! Working with Ben was an absolute game-changer for my husband and I journey to buyin ...
5 Stars – Incredible Support from Ben for a First-Time Homebuyer! Working with Ben was an absolute game-changer for my husband and I journey to buying our first home. As a first-time homebuyer, we had so many questions and uncertainties, but Ben was there every step of the way with clear explanations, expert advice, and a truly reassuring presence. He took the time to walk us through every part of the loan process, provided us with written reminders of dos and don’ts and made what could have been a stressful experience feel smooth and manageable. Ben was always quick to respond whether through text messaging or calls, and is incredibly knowledgeable, and—most importantly—genuinely kind and patient. Thanks to his hard work and guidance, we were able to close on our first home with confidence and peace of mind. If you're looking for someone trustworthy, professional, and truly dedicated to helping you succeed, we can't recommend Ben enough. He made a potentially overwhelming process feel personal and empowering.
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Stacy Lee

2 months ago

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Quinn Stacks
I just had the pleasure of closing an escrow with Ben, who handled the buyer’s financing, and I can’t say enough great things about the experience. He ...
I just had the pleasure of closing an escrow with Ben, who handled the buyer’s financing, and I can’t say enough great things about the experience. He and his team were a breath of fresh air—extremely communicative, responsive, and professional from start to finish. I was kept in the loop the entire time, which made the transaction smooth and stress-free. I highly recommend Ben and his team for any purchase or refinance—you’ll be in great hands!
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Quinn Stacks

2 months ago

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Crystal Thomas
Ben and his team were very friendly and responded right away to my many questions as a first time home buyer. They were very professional and made th ...
Ben and his team were very friendly and responded right away to my many questions as a first time home buyer. They were very professional and made the mortgage experience a very smooth one! I will definitely be recommending them to anyone needing a home loan!
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Crystal Thomas

3 months ago

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Luis Orejel
Ben helped us out with the purchase of our home. He made the lending process easy by being thorough with all the steps required through the lending p ...
Ben helped us out with the purchase of our home. He made the lending process easy by being thorough with all the steps required through the lending process. I would highly recommend to anybody looking for a lender.
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Luis Orejel

3 months ago

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Jayedene Chesini
Amazing over the top service & communication!!!
Amazing over the top service & communication!!!

Jayedene Chesini

4 months ago

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Kathryn Springsteen
Ben Bhangu was wonderful to work with and helped my clients get a VA loan when other lenders could not get it done. Thanks to Ben, he made it work out ...
Ben Bhangu was wonderful to work with and helped my clients get a VA loan when other lenders could not get it done. Thanks to Ben, he made it work out smoothly!
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Kathryn Springsteen

4 months ago

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Scott Dawn Houser
Ben provided us with exceptional service and assistance with our mortgage needs. He was readily available to answer questions and keep us up-to-date ...
Ben provided us with exceptional service and assistance with our mortgage needs. He was readily available to answer questions and keep us up-to-date on the progress. His knowledge and expertise were of tremendous value to us. Thank you Ben.
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Scott Dawn Houser

4 months ago

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Paula Costa
“Ben was absolutely outstanding. He was incredibly knowledgeable, responsive, and made the entire process seamless from start to finish. He took the t ...
“Ben was absolutely outstanding. He was incredibly knowledgeable, responsive, and made the entire process seamless from start to finish. He took the time to explain every step clearly, answered all my questions with patience, and went above and beyond to ensure I got the best possible terms. I truly felt like I was in good hands with Ben—he made a stressful, process feel easy. He went the extra mile with my concerns even after his portion of the transaction was complete. I appreciate his kindness. I will definitely be using him for all my future loan needs. Thanks Ben!!
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Paula Costa

4 months ago

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Sarah Hart
Ben was amazing in helping us get a construction loan to build our dream house!! He was profession, knowledgable and available to us whenever we had a ...
Ben was amazing in helping us get a construction loan to build our dream house!! He was profession, knowledgable and available to us whenever we had a question. We would recommend him to anyone!
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Sarah Hart

4 months ago

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Geoff Granger
I had a wonderful experience working with Ben and his wife throughout my loan process. From start to finish, they were both incredibly kind, patient, ...
I had a wonderful experience working with Ben and his wife throughout my loan process. From start to finish, they were both incredibly kind, patient, and helpful. Ben took the time to clearly explain every step and detail, making sure I understood all aspects of the loan process. His communication was clear and consistent, which really put me at ease during what can often be a stressful time. Their professionalism, combined with their genuine care and support, made a big difference for me. I truly appreciate everything they did and would highly recommend them to anyone looking for a knowledgeable and compassionate loan officer.
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Geoff Granger

4 months ago

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Dana Stevens
I highly recommend Ben and his team for their exceptional service in helping my clients secure their first home. Their expertise, responsiveness, and ...
I highly recommend Ben and his team for their exceptional service in helping my clients secure their first home. Their expertise, responsiveness, and dedication made the process smooth and stress-free. Five stars for their outstanding support!
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Dana Stevens

5 months ago

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Misty Granger
Oh wow I could not have been happier with our services Everything was spelled out clearly I work in finance and I was so pleased to work with someone ...
Oh wow I could not have been happier with our services Everything was spelled out clearly I work in finance and I was so pleased to work with someone who didn’t try to treat me like I didn’t know what I was talking about and fought for us to have good rates
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Misty Granger

5 months ago

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Kathryn H. Berkley
As a local realtor, I recently referred my first time buyers to Ben and Luz. Ben showed compassion and honesty in assisting the buyers during the proc ...
As a local realtor, I recently referred my first time buyers to Ben and Luz. Ben showed compassion and honesty in assisting the buyers during the process. The loan went in a timely manner and Ben was very efficient in calling me on updates. The buyers were super excited when everything was done. Thank you Ben and Luz for the fantastic job you did!
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Kathryn H. Berkley

5 months ago

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Gurnam Passi
Ben and his team delivers what they promise. He was very responsive, detailed and made no mistakes in his entire process. He help close the transactio ...
Ben and his team delivers what they promise. He was very responsive, detailed and made no mistakes in his entire process. He help close the transaction 2 weeks ahead of schedule. that is not every days story. Ben proved his Home Loan GURU title very well. I highly recommend him for all types of lending.
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Gurnam Passi

5 months ago

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Sanjay Kumar
Ben and his team did a great job throughtout my loan process , It was very smooth and fast . He kept me informed every single step and got me approved ...
Ben and his team did a great job throughtout my loan process , It was very smooth and fast . He kept me informed every single step and got me approved for my first home. Thankyou Ben
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Sanjay Kumar

5 months ago

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Jessica Mendez
Ben and Luz helped the process of buying our home go so smoothly! Ben was always there to answer all our questions at anytime! They greeting us with k ...
Ben and Luz helped the process of buying our home go so smoothly! Ben was always there to answer all our questions at anytime! They greeting us with kindness and smiles every time we met. Huge thank you to them for all their time and effort!
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Jessica Mendez

5 months ago

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Fernando Tovar
Ben and Luz were awesome and got us into our new home. All through the process we personally met with Ben, he explained and answered all of our questi ...
Ben and Luz were awesome and got us into our new home. All through the process we personally met with Ben, he explained and answered all of our questions. Highly recommend Ben and his staff.
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Fernando Tovar

5 months ago

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Grace Mull
Ben has great communication skills and kept me informed of the status of the buyers loan during the sale of my sellers home which helped relieve stres ...
Ben has great communication skills and kept me informed of the status of the buyers loan during the sale of my sellers home which helped relieve stress during the transaction. Grace Mull, Realtor Showcase Real Estate
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Grace Mull

6 months ago

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Avery Marshall
Overall Ben was great to work with. He is very patient and makes sure that you have a full understanding of both everything that is going and everythi ...
Overall Ben was great to work with. He is very patient and makes sure that you have a full understanding of both everything that is going and everything that you have to sign. I couldn’t have asked for a better lender.
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Avery Marshall

6 months ago

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Lloyd Leighton
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.
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Lloyd Leighton

6 months ago

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Larry Robarge
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.
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Larry Robarge

6 months ago

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Gary Robbins
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!

Gary Robbins

6 months ago

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Judy Robbins
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!
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Judy Robbins

6 months ago

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Rickey Vasquez
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.
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Rickey Vasquez

6 months ago

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Thomas Mutunga
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!!
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Thomas Mutunga

7 months ago

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Stephanie
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? 😊
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Stephanie

7 months ago

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Ericka Purdy
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.
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Ericka Purdy

7 months ago

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W Romano
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
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W Romano

8 months ago

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Mike Daly
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.

Mike Daly

8 months ago

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Yolanda
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
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Yolanda

10 months ago

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Lori Schulz
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:)
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Lori Schulz

10 months ago

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Lupita Chavez
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 🙏🏽
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Lupita Chavez

11 months ago

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Carrie Hoag
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!
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Carrie Hoag

11 months ago

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William Zapata
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.
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William Zapata

11 months ago

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Truth Snow
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.

Truth Snow

1 year ago

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Navjit Singh
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.
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Navjit Singh

1 year ago

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Tabitha Haworth
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

1 year ago

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Lorraine Livingston
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

1 year ago

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