Clear explanations.
You deserve to understand the words, the numbers, and what comes next. I’ll take the time to make things clear.
Helping California homebuyers understand the mortgage process.
Rooted in Citrus Heights. Here for your next chapter.
Opening soon
A place of your own.A little guidance getting there.
Hi, I’m Kevin Cunningham. Whether your first home is a someday thought or you’re starting to make plans, you’re welcome here. ReadMe Mortgage is opening soon in Citrus Heights. In the meantime, explore the guides, bring your questions, and get to know the process at your own pace.
Talk with KevinRead the free guides
Guidance at your paceRoom for your questionsA conversation with Kevin
Read first. Sign second.
What you can expect here
A little more clarity.
Wondering where the costs come from? The closing costs guide walks through the common charges, one step at a time.
Someone you can talk to.
You don’t need to have it all figured out before reaching out. Bring the question that’s on your mind.
Free guides for your next chapter.
A place to start, wherever you are in the process. Pick what’s on your mind and take your time:
Closing costs, explained
Every line item on a closing estimate, translated: what it is, who it pays, and which costs are worth a second look.
What is PMI, and how do you remove it?
Private mortgage insurance protects the lender, not you. Here is what it costs, why it shows up, and how removal can work.
First-time buyer checklist
The Sacramento first-time buyer path in plain steps: documents to gather, the timeline to expect, and what happens at each stage.
How much payment can I afford?
The math behind a monthly payment, explained with a worked example: principal, interest, taxes, insurance, and escrow.
Rooted close to home
Citrus Heights is home for me. Whether you’re looking nearby or elsewhere in California, I hope you’ll feel at home here, too.
A few questions you might have.
Is ReadMe Mortgage open yet?
ReadMe Mortgage is opening soon in Citrus Heights. You’re welcome to explore the free guides or bring Kevin a general question while you get to know the process.
What does a monthly mortgage payment actually include?
Usually four parts: principal, interest, property taxes, and homeowners insurance. The affordability guide works through a full example.
What is PMI, in one sentence?
Insurance that protects the lender when a buyer puts down less than 20 percent, and on most conventional loans it can be removed once the balance drops far enough. The PMI guide explains how.