Ed Parcaut · Mortgage strategist in Modesto, California · NMLS #235384
Based in Modesto and working with buyers, veterans, retirees, and business owners across the whole state of California. A good mortgage conversation starts with your life, your plans, and what you need the home to do for you.
For veterans & military families
As a Navy veteran, Ed knows a VA loan is more than another program on a rate sheet. Start with eligibility, your income, your goals, and the home you want to buy.
VA and lender credit, income, and occupancy requirements apply. Review VA eligibility guidance.
Retirees & homeowners
Explore whether a reverse mortgage makes sense alongside your retirement plans, housing needs, and other options.
A reverse mortgage is a loan. Interest and fees increase the balance. You must meet the loan’s occupancy, property tax, insurance, and maintenance obligations. Understand the responsibilities.
Entrepreneurs & business owners
Business ownership deserves a thoughtful review of how your income is documented and which mortgage options may fit.
Program availability and requirements vary by lender and by your individual file.
Real estate investors
Compare the loan options for investment property, from qualifying on the rent to a regular investment loan.
Program availability and requirements vary by lender and by your individual file.
A stronger starting point
A fully underwritten pre-approval puts verified information in front of an underwriter early, helping identify conditions before you commit to a home.
Review your timeline, comfort with the payment, available funds, and the bigger financial picture.
Document income, assets, and credit. Pursue a fully underwritten pre-approval where available.
Understand the remaining conditions, property requirements, and next steps before closing.
Pre-approval is not a commitment to lend. Final approval remains subject to lender requirements, property approval, remaining conditions, and changes in your financial circumstances.
Start with the questions
No. Start with your goals and financial picture. Ed can help you compare the options that may be available to you.
Your approximate purchase budget or refinance goal, timeline, income sources, monthly debts, and available funds are a helpful starting point. Your document list will depend on your situation.
An underwriter reviews your documented financial file earlier in the process. It can help surface conditions sooner, but it does not remove the need for property approval or satisfaction of final loan conditions.
Absolutely. Request a free 30-minute consultation to discuss where you are, what you want to do, and what comes next.
Ed ParcautBuilding personal wealth through home ownership.
Most people do not save for retirement. For them, the only way to build personal wealth is through home ownership. Therefore, I love my job of helping people finance their home.
Reviews on Google
Working with Ed Parcaut on our vacation home purchase was an outstanding experience from start to finish. Ed's expertise and deep knowledge of the lending process made everything feel seamless. He took the time to explain every step clearly, answered all of our questions with patience, and helped us navigate the unique aspects of financing a second home with confidence. What truly stood out was Ed's responsiveness and efficiency. No matter the time or situation, we always received quick updates and fast answers, which made the entire process move smoothly and on schedule. His professionalism, attention to detail, and commitment to excellent service exceeded our expectations. I highly recommend Ed to anyone looking for a knowledgeable, reliable, and highly responsive lender — for any home purchase.
Ed made the process so easy and simple for my wife and I. When we had questions, he had answers. He communicated with us constantly and clearly. I absolutely recommend his services. Owning our forever home post-military retirement and finally settling down and raising our family has been our goal for a long time and Ed helped make that a reality for us. Thanks again Ed!
I am thoroughly blessed, thankful and satisfied with the process. And all the time that it took the different steps it took to get this process done. Thank you, well done.
Ed is a true professional and I would recommend him to friends and family without hesitation. He kept us informed every step of the way all the way to closing! He's also just a really nice human being. No need to look anywhere else for your home loan needs cause Ed knows his stuff.
From beginning, middle, and end of this home lending experience my work with Ed, and Amy has been wonderful. They have been very supportive, and generous with their kindness, and they have excellent professionalism with regard to working well with all parties involved. Their knowledge, experience, and time has been much appreciated. Thank you so much, and I look forward to the next time we meet!
Reviews are shown as published on Ed’s Google Business Profile. Google provides up to five of them here.
Your next chapter
A free, 30-minute mortgage consultation. Your questions, your goals, and a practical next step.