Stephanie Bjorge is a mortgage broker serving homebuyers, homeowners, real estate investors, and families throughout California. Based in El Dorado County, Stephanie helps clients find mortgage and home loan solutions for both traditional and unique financing situations. She is bilingual in English and Spanish and is committed to making the mortgage process easier to understand from application through closing.
As an independent mortgage broker, Stephanie has access to a wide range of mortgage loan programs and works to match each borrower with financing based on their goals, income, property, and individual circumstances.
Mortgage Loan Expertise
Stephanie has experience with a broad range of residential mortgage financing, including:
- Conventional home loans
- FHA loans
- VA home loans
- USDA home loans
- Down payment assistance programs
- ITIN mortgage loans
- No-credit-score mortgage options
- Mobile and manufactured home loans
- Mobile homes located in parks
- Pre-1976 mobile and manufactured home financing
- Post-1976 HUD-standard manufactured home financing
- Renovation loans
- HELOC renovation financing
- HELOANs
- Non-QM mortgage loans
- Self-employed mortgage loans
- Bank statement loans
- Investor and investment property financing
- DSCR loans
- Commercial real estate financing
- Construction loans
- Land loans
Down Payment Assistance & First-Time Homebuyer Programs
For buyers who need help with their upfront costs, Stephanie also works with down payment assistance (DPA) and closing cost assistance programs that may help qualified borrowers purchase a home with less money out of pocket.
Depending on the program and borrower qualifications, assistance may be structured as a grant, deferred loan, or forgivable loan. Some programs may allow a portion or all of the assistance to be forgiven when specific requirements are met, while others must be repaid under certain circumstances.
Stephanie helps borrowers understand the eligibility requirements, income and credit guidelines, repayment terms, and potential benefits of available assistance programs so they can determine whether a DPA option makes sense for their home purchase.
Specialized Mortgage Financing
Stephanie's experience includes helping borrowers who may not fit into a traditional mortgage box. This includes self-employed borrowers, borrowers using alternative income documentation, borrowers without traditional credit scores, ITIN borrowers, and buyers purchasing mobile or manufactured homes.
She also helps homeowners explore renovation financing strategies, including renovation mortgages and HELOC financing, which can allow homeowners to access equity for home improvements while considering how to structure their overall mortgage financing.
For mobile and manufactured homes, Stephanie has experience with financing properties in parks as well as homes built both before and after the 1976 HUD standards, providing financing guidance for properties that may require more specialized mortgage knowledge.
A Mortgage Broker Who Looks Beyond the Typical Loan
Every borrower and property is different. Stephanie believes the best mortgage strategy starts with understanding the entire financial picture—not simply choosing the first loan program that fits.
Whether you are a first-time homebuyer, move-up buyer, homeowner looking to refinance, self-employed borrower, investor, or someone purchasing a manufactured or mobile home, Stephanie can help you understand your financing options and determine which programs may be worth exploring.
Her approach is centered on education, communication, creative mortgage solutions, and personalized service.
Local Real Estate & Community Involvement
Stephanie is an active member of the local real estate community and serves as Co-Chair of the Young Professionals Network (YPN) for the El Dorado County Association of REALTORS® (EDCAR). Through YPN, she helps support networking, education, leadership, and professional development within the El Dorado County real estate community.
She is also a member of the Sacramento SPCA Event Planning Committee and is passionate about supporting animals and her local community.
Giving Back With Every Home Purchase
Stephanie believes that homeownership should have an impact beyond the closing table.
With each home purchase, Stephanie sponsors the adoption fee of a shelter dog at the Sacramento SPCA, helping remove one more financial barrier for a dog waiting for a forever home. Her work supporting Sacramento SPCA dogs has also been featured on KFBK's Sacramento SPCA Pet of the Week.
Stephanie Outside of Mortgage Lending
Stephanie is a mom to two girls and an El Dorado County resident. Living and raising her family in the area gives her a personal connection to the communities, neighborhoods, families, and local businesses she serves.
Outside of helping clients with mortgage financing, Stephanie enjoys spending time with her family, supporting the Sacramento SPCA, connecting with local real estate professionals, and being involved in the El Dorado County community.
