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.

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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

110 reviews

Write a Review

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!

1 week ago

Posted on Google

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.

1 week ago

Posted on Google

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!

2 weeks ago

Posted on Google

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

2 weeks ago

Posted on Google

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!

Kathryn H. Berkley

1 month ago

Posted on Google

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.

1 month ago

Posted on Google

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

1 month ago

Posted on Google

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!

1 month ago

Posted on Google

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.

1 month ago

Posted on Google

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

1 month ago

Posted on Google

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.

1 month ago

Posted on Google

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 month 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 month 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 month 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!

2 months 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.

2 months 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!!

3 months 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? 😊

3 months 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.

3 months 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

3 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.

4 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

5 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:)

5 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 🙏🏽

6 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!

6 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.

6 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.

7 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.

8 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

8 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

8 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.

8 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

9 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!

9 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

9 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

9 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

9 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

9 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

9 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

9 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

10 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.

10 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

10 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!

10 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

10 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.

11 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

11 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

11 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!

11 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

11 months ago

Posted on Google