Full Service Real Estate and Mortgage Broker

 Smart Mortgage Solutions for Every Stage of Life


🔄 Need to Refinance?
We help you lower payments, access cash, or improve terms with:

  • Rate-and-term refinancing
  • Cash-out refinance options
  • Fast, stress-free approvals


🏠 Considering a Reverse Mortgage?
If you’re 62 or older, you may qualify to:

  • Eliminate your mortgage payment
  • Access your home equity as income or a credit line
  • Stay in your home with financial flexibility


🏡 Buying a Home?
We make financing simple and affordable:

  • Free Pre-Qualification
  • Multiple Mortgage Purchase Loan Options
  • One-on-one guidance from start to finish


🎯 First-Time Home Buyer?
We’ll show you exactly how it all works:

  • Step-by-step support
  • Access to first-time buyer programs
  • Clear answers with no guessing


📈 Thinking of Selling?
We help you position your property the smart way:

  • Free Home Valuation Estimate
  • Flat-Fee For Sale By Owner Support
  • Keep more of your equity in your pocket


Consumer 1st Services, Inc. - Consumer 1st Mortgage
3550 Watt Ave. Suite 140, Sacramento, CA 95821

CA Real Estate Broker Lic # 01999180
CA Mortgage Broker NMLS #1526431
EdPortillo@cnsmr1st.com 
Phone: 916-613-9902

Contact Us