Chico: 530-897-4090
Paradise: 530-877-5122
Toll Free: 1-877-89-ACCESS

Northern California's Premier Retail Banker
with over $800 million in funded loans

Welcome to Access Real Estate Lending

Welcome real estate professionals and new visitors to Access Real Estate Lending’s redesigned web site @ Access is one of Northern California’s premier mortgage lending companies located  in beautiful Chico, CA at 1051 Mangrove Avenue. Our friendly, experienced and knowledgeable mortgage bankers specialize in many loan programs and will guide you through every step of the loan process. The information on this site is updated regularly. Stay informed with updates and current trends taking place in the mortgage industry by clicking Industry Updates.

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Also check out our new “Sellers Edge” video to learn more about this exciting new program!

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Access Real Estate Lending & Chico Performances Present: Lewis Black

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Big Announcement! e-Signature OK with FHA Loans

Today the US Department of Housing & Urban Development (HUD) announced that, effective immediately, they will allow e-signatures on upfront disclosures and documents. This means you can electronically sign documents from your computer, making it easier on you. Below is a copy of the letter HUD sent out. Continue Reading!

Labor, Interest Rates, Housing Recovery…Facts and Protections For YOU

The labor market’s recovery has been a long and arduous one; considerably longer than previous economic recessions. This was a credit recession that hit the consumer and the “little guy’s” assets a lot harder than previous recessions. Companies were more reluctant to hire, frightened of more potential economic waves, crashing upon their balance sheets, together with the global crisis, as opposed to previously more domestic recessions. This economic recovery has seen many workers continue to exit the...Continue Reading!


On January 31, 2013 HUD issued Mortgagee Letter 2013-04, announcing a number of revisions concerning the cancellation of the annual Mortgage Insurance Premium (MIP).  This change rescinds the automatic cancellation of the annual MIP collection.  The change will require that for loans with FHA case numbers assigned on or after June 3, 2013 (FHA case numbers must be dated on or after the application date), FHA will collect the annual MIP for the maximum duration permitted (see chart below). FHA loans...Continue Reading!