# ReadMe Mortgage

Read first. Sign second.

Helping California homebuyers understand the mortgage process.

ReadMe Mortgage is preparing to launch. Loan applications and lending services are not available through this site.

Founder: Kevin Cunningham. Citrus Heights, California. Phone: (408) 406-7900. Daily, 6 AM to 8 PM Pacific.

## Public pages
- [/](https://readmemortgage.com/)
- [/about](https://readmemortgage.com/about)
- [/contact](https://readmemortgage.com/contact)
- [/guides/](https://readmemortgage.com/guides/)
- [/guides/closing-costs-explained](https://readmemortgage.com/guides/closing-costs-explained)
- [/guides/what-is-pmi-and-how-to-remove-it](https://readmemortgage.com/guides/what-is-pmi-and-how-to-remove-it)
- [/guides/first-time-buyer-checklist-sacramento](https://readmemortgage.com/guides/first-time-buyer-checklist-sacramento)
- [/guides/how-much-payment-can-i-afford](https://readmemortgage.com/guides/how-much-payment-can-i-afford)
- [/privacy](https://readmemortgage.com/privacy)
- [/areas/citrus-heights-mortgage](https://readmemortgage.com/areas/citrus-heights-mortgage)
- [/areas/roseville-mortgage](https://readmemortgage.com/areas/roseville-mortgage)
- [/blog](https://readmemortgage.com/blog)
- [/blog/rates-pause-october-2026-survey](https://readmemortgage.com/blog/rates-pause-october-2026-survey)
- [/blog/mortgage-notes-launch](https://readmemortgage.com/blog/mortgage-notes-launch)
- [/areas/](https://readmemortgage.com/areas/)
- [/guides/mortgage-terms-in-plain-english](https://readmemortgage.com/guides/mortgage-terms-in-plain-english)