For Renters in Placer, Sacramento & El Dorado County
Your rent should
build your future —
not someone else's.
You may be closer to homeownership than you think. Many financially stable renters just haven't seen what's possible yet — and that's exactly what we'll figure out, simply and without pressure.
Mike McIntosh
Mortgage Advisor · NMLS# 234196/1141
See what you could
qualify for today.
In just a few minutes, you'll know what you could qualify for and whether buying makes sense right now
Your information is never shared or sold.
No guesswork. Just clear, real numbers.
What You'll Walk Away Knowing.
01
What you could qualify for based on your current situation
02
What your monthly payment could look like compared to your rent
03
How low down payment options (often 3–5%) actually work
04
Whether buying now or waiting makes more sense for you
The Process
How It Works:
01
We look at your situation.
Income, debts, and where you want to be.
02
I walk you through real options.
Clear numbers, no estimates or guesswork.
03
You decide what makes sense.
Move forward now, or wait with confidence.
Why It Matters
Rent offers flexibility. Homeownership builds lasting equity.
Every month you rent, your payment covers your landlord's mortgage, their property taxes, and their equity — not yours. That's not a judgment. It's just math.
Rent offers flexibility. Homeownership offers the opportunity to build equity and long-term stability. Over time, that difference can have a meaningful impact on your financial future.
The right decision depends on your situation — and that's what we'll figure out together.
ABOUT MIKE
Mike McIntosh
Mortgage Advisor · NMLS #234196
I'm a Mortgage Advisor serving buyers across Placer, Sacramento, and El Dorado County.
My role is simple: help you understand what's actually possible, clearly and without pressure.
If the right move is to buy, I'll help you do it the right way. If the right move is to wait, I'll tell you that too.
With 37 years of experience and relationships that span generations, I've helped buyers at every stage — including people who weren't sure they were ready.
NMLS# 234196/1141 · Mason-McDuffie Mortgage Corporation
Let's Keep It Simple
You're one conversation away from knowing what's possible.
No pressure. No obligation. Just a clear, honest look at what's possible for you — so you can make the right decision for your family, on your timeline.
Takes about 2 minutes. No obligation.
Your information is never shared or sold.
