With over 19 years in the lending industry and 30 plus in the Real Estate industry in Butte County let Carl make the lending experience smooth and uneventful. I am available for your questions whether purchasing an new or first home or refinancing your current home. I can help with all the current loan programs available in California and 23 other State's, Conventional, FHA, VA, USDA, CalSTRS and more. Specializing in Self Employed Borrowers.