Warm golden hour shot of a modern California home exterior, architectural details prominent, with a clear view of the front door and landscaping
Warm golden hour shot of a modern California home exterior, architectural details prominent, with a clear view of the front door and landscaping
Book a planning call
Homebuyer readiness checklist
Shasta County Mortgage Services

Mortgage guidance for Redding and Shasta County

Work directly with Luke Ruggiero at Professional Mortgage Associates to discuss your homebuying plans and mortgage questions. Based in Palo Cedro, Luke serves buyers in Redding, Shasta County and throughout California. Start remotely with a free 15-minute phone planning call.

Warm golden hour exterior of a modern California home with clean architectural detail and sunlit entryway
Warm golden hour exterior of a modern California home with clean architectural detail and sunlit entryway
Palo Cedro Location

A local connection. A convenient phone conversation.

You do not need to visit the office for an introductory conversation. Office visits are by appointment only at 9434 Deschutes Rd, Suite 211, Palo Cedro, CA 96073. Please arrange an appointment before visiting.

Consultation Topics

Bring your questions

Your timeline

Your budget

Your next step

Tell Luke whether you are preparing to shop now or exploring a future purchase.

Bring questions about monthly housing costs and upfront cash.

Discuss what to prepare before an application and how to provide documents securely.

Getting Started

How to get started

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Choose an appointment

Call Luke directly

Discuss questions and steps

Choose an available phone appointment.

At the scheduled time call Luke at 530-605-6341.

Discuss your questions and next steps. The introductory call is not an application or preapproval; no credit pull is required for this call.

Book a planning call
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• Common Questions

Frequently asked questions

Do I have to visit the office?

Do you work outside Shasta County?

No office visit is required for the introductory phone call. In-person meetings are by appointment.

Yes, Luke serves California homebuyers and offers phone consultations.

Can we talk before I choose a home?

What should I send?

Yes. Bring your timeframe and questions about preparing to buy.

Start with your questions. Do not send Social Security numbers, account details or financial documents through a general website form or ordinary email. Ask about secure document submission.

Ready to discuss your home planning?

Direct Contact: luke@cali-lender.com | 530-605-6341

Disclosures: Luke Ruggiero NMLS #1713993, DRE #02069888. Professional Mortgage Associates NMLS #815819, DRE #01902537. Licensed by the California Department of Real Estate. Educational information only; not a preapproval, Loan Estimate or commitment to lend.