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Find out who I am and what I can do for you.

Loan Programs

View the types of loans on the market & find one that works best for you.

Mortgage Glossary

Here are some terms and their meaning, these terms are commonly used in the mortgage process.

Contact

Have a Question About a Home or Want to Talk About Selling Yours? Or, If You Have Any Other Questions or Comments Get in Touch With Me Here.

Dennis Amaral Your Professional Mortgage Consultant

I've been helping my clients obtain home loans for over 29 years. I shop over 40 different lenders to find the best rate and program for you.

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What People are Saying

Just a note to say thank you again for your prompt, professional and courteous handling of our refinance. We really appreciated your efforts and will refer you to anyone with "lending needs. John & Linda Silvera
Dennis , when I closed on my house you did something wonderful for so many ! I will always remember how fast you were and how easy you made for me . I can trust you, and know you have my best interest in mind . Thank you for making dreams come true!!!!! Casey Davis
I went to Dennis W. Amaral to help me obtain a home purchase loan in Roseville, Ca. He did an amazing job of finding me the best rate and program. I'd recommend him to anyone looking for a purchase loan, refinance, or a reverse mortgage. Amber C.
Dennis helped my husband and I get a purchase loan for our first home purchase. His attention to detail, his service, communication, were marvelous. He also got us the best rate we could have hoped for. We went back to him several years later when we sold our home in Fair Oaks and he helped us with another purchase loan in Cameron Park, Ca. Great service, great rate, fantastic experience. Ashley & Colby C.
I am retired, and my husband passed away so my income was cut quite a bit. I was basically living month to month and needed help. Dennis W. Amaral discussed a reverse mortgage with me. Initially I was skeptical and adverse to the concept but Dennis walked me through it. I eliminated my monthly mortgage payment which increased my cash flow accordingly. The wonderful thing is that even though interest is charged but put to the end of the loan the appreciation of my houses value has gone up so much that it more than offsets the interest. As Dennis explained to me my equity has not gone down ... its actually gone up! Great experience, it changed my life for the positive. Janet M.
I am a single woman who owns my home. Unfortunately I became ill and as a result I have to take medication that costs nearly $900 a month and my insurance won't cover it. I talked to my friend who did a reverse mortgage with Dennis and she loved it. I talked to Dennis and he worked to get my reverse mortgage approved. Now I have money to pay for my medicine by having no house payment and money left over. Great experience. Val S.
I was going through a divorce and needed to take cash out of our home to pay my ex off. Dennis stepped into a messy situation between me and my ex and worked his magic. The cash out refinance closed in 30 days with a great rate. I'd recommend him to anyone. Toni C.
I am a real estate agent and had the opportunity to work with Dennis through one of my buyers who has used him for their loans for years. Dennis communicated the entire process and I never had to wonder what was going on. It closed early and was a very smooth transaction. I would recommend Dennis to anyone looking to buy or refinance. Brianne W.
Dennis and his team were a blessing to us for the third time! Thanks so much! Lydia S.
Dear Dennis. Working with you made the process of buying our first home so easy! You were so attentive and supportive. We very much appreciated working with you and will be sure to spread the word to everyone we know. Thank you. Ian & Heather Beckham
Thank you are only two little words, but they come from the heart with such gratitude that we hope somehow you can understand what a wonderful thing you have done for us! Buying a new home is one of the biggest decisions a family makes in their life and you made it a wonderful experience. Thank you! The Janowiak Family
I am writing to thank you for all of your assistance we received from you, and your staff, in the recent completion of the purchase of our new home. We felt that your work was prompt and professional, and helped us obtain and complete the mortgage on our new home in a timely fashion. We would highly recommend you to anyone that is in the market for a mortgage. Rod Farley
It is always such a pleasure doing business with you. Your professionalism is greatly appreciated. Cheryl Webb Great West GMAC Real Estate
We would like to say that we found you so very professional and knowledgeable. If we do ever find ourselves willing and able to relocate to the Sacramento area, we will definately be in contact with you. We will also refer anyone we know that may require your service. Ron & Jeanne Baldwin
We are so glad Stuart introduced us to you, it is not every day a person has a chance to do business with someone of your professionalism. We will always be greatful for your services. Ralph & Del Maszk
We just wanted to thank you for all your help in arranging our construction / permanent loans. We truly appreciated your patience in answering all our questions and helping us throughout this most challenging process. Karin Kiessling & Brett Testaguzza
We want to say that you made the process easy, simple and fast. We couldn't believe how quickly and smoothly everything went. Anita was just remarking the other day at how we started the process at the end of August and at the end of September we closed on the house!! Amazing! We will definately use you again for any future transactions and if any of our friends decide to move up here, we will refer them to you. Steven and Anita Tong
Our thanks to you for helping Bob and I live in our Dream House on this lovely Shooting Star Road ... we are truly greatful to you. Elizabeth & Bob Pabst
Thank you and your staff for all your hard work. We found your staff to be professional and friendly. We will definitely be recommending you to others. Thomas & Donna Walsh
We just want to say Thank You for all of your help regarding the recent purchase of our new home in Pollock Pines. With the short sale that we experienced only two months ago, we are most greatful for how smooth this transaction went. You did not make promises that you could not keep, but you kept us hopeful throughout the process. We appreciate your honesty, integrity and professionalism throughout. You and your staff were very friendly and efficient and exceeded our expectations. Please mail me a few of your business cards as I will gladly share you with family and friends. Gary & Kathleen
This is a much belated thanks for everything you did in helping us secure funding for the purchase of our first home. We appreciate your wealth of expertise, your helpfulness at every step of the process, and your cordial and stress reducing manner. We really love the house and the area, and we are not sure we would be here if not for your assistance. We will certainly call upon you in the future as well as recommend you to our family and friends. Ken & Patti Storrs
I want to thank you for helping us to get our house, with all the people we dealt with you were the best. You kept us notified and worked very hard for us, doing what was best for us. We will always recommend you to people we talk with and we will think of you when we refinance. Traci & Rick Williams
Thank you so much for all of your hard work. Our family loves our new house and it's all due to you and your team! Kevin & Kim Carey
I was impressed by the level of professionalism you demonstrated in handling your end. Looking forward to working with you again on future transactions. Lynn Poelman Lyon Real Estate
Just a note to say thank you again for your prompt, professional and courteous handling of our refinance. We really appreciated your efforts and will refer you to anyone with "lending needs. John & Linda Silvera
Dennis , when I closed on my house you did something wonderful for so many ! I will always remember how fast you were and how easy you made for me . I can trust you, and know you have my best interest in mind . Thank you for making dreams come true!!!!! Casey Davis
I went to Dennis W. Amaral to help me obtain a home purchase loan in Roseville, Ca. He did an amazing job of finding me the best rate and program. I'd recommend him to anyone looking for a purchase loan, refinance, or a reverse mortgage. Amber C.
Dennis helped my husband and I get a purchase loan for our first home purchase. His attention to detail, his service, communication, were marvelous. He also got us the best rate we could have hoped for. We went back to him several years later when we sold our home in Fair Oaks and he helped us with another purchase loan in Cameron Park, Ca. Great service, great rate, fantastic experience. Ashley & Colby C.
I am retired, and my husband passed away so my income was cut quite a bit. I was basically living month to month and needed help. Dennis W. Amaral discussed a reverse mortgage with me. Initially I was skeptical and adverse to the concept but Dennis walked me through it. I eliminated my monthly mortgage payment which increased my cash flow accordingly. The wonderful thing is that even though interest is charged but put to the end of the loan the appreciation of my houses value has gone up so much that it more than offsets the interest. As Dennis explained to me my equity has not gone down ... its actually gone up! Great experience, it changed my life for the positive. Janet M.
I am a single woman who owns my home. Unfortunately I became ill and as a result I have to take medication that costs nearly $900 a month and my insurance won't cover it. I talked to my friend who did a reverse mortgage with Dennis and she loved it. I talked to Dennis and he worked to get my reverse mortgage approved. Now I have money to pay for my medicine by having no house payment and money left over. Great experience. Val S.
I was going through a divorce and needed to take cash out of our home to pay my ex off. Dennis stepped into a messy situation between me and my ex and worked his magic. The cash out refinance closed in 30 days with a great rate. I'd recommend him to anyone. Toni C.
I am a real estate agent and had the opportunity to work with Dennis through one of my buyers who has used him for their loans for years. Dennis communicated the entire process and I never had to wonder what was going on. It closed early and was a very smooth transaction. I would recommend Dennis to anyone looking to buy or refinance. Brianne W.
Dennis and his team were a blessing to us for the third time! Thanks so much! Lydia S.
Dear Dennis. Working with you made the process of buying our first home so easy! You were so attentive and supportive. We very much appreciated working with you and will be sure to spread the word to everyone we know. Thank you. Ian & Heather Beckham
Thank you are only two little words, but they come from the heart with such gratitude that we hope somehow you can understand what a wonderful thing you have done for us! Buying a new home is one of the biggest decisions a family makes in their life and you made it a wonderful experience. Thank you! The Janowiak Family
I am writing to thank you for all of your assistance we received from you, and your staff, in the recent completion of the purchase of our new home. We felt that your work was prompt and professional, and helped us obtain and complete the mortgage on our new home in a timely fashion. We would highly recommend you to anyone that is in the market for a mortgage. Rod Farley
It is always such a pleasure doing business with you. Your professionalism is greatly appreciated. Cheryl Webb Great West GMAC Real Estate
We would like to say that we found you so very professional and knowledgeable. If we do ever find ourselves willing and able to relocate to the Sacramento area, we will definately be in contact with you. We will also refer anyone we know that may require your service. Ron & Jeanne Baldwin
We are so glad Stuart introduced us to you, it is not every day a person has a chance to do business with someone of your professionalism. We will always be greatful for your services. Ralph & Del Maszk
We just wanted to thank you for all your help in arranging our construction / permanent loans. We truly appreciated your patience in answering all our questions and helping us throughout this most challenging process. Karin Kiessling & Brett Testaguzza
We want to say that you made the process easy, simple and fast. We couldn't believe how quickly and smoothly everything went. Anita was just remarking the other day at how we started the process at the end of August and at the end of September we closed on the house!! Amazing! We will definately use you again for any future transactions and if any of our friends decide to move up here, we will refer them to you. Steven and Anita Tong
Our thanks to you for helping Bob and I live in our Dream House on this lovely Shooting Star Road ... we are truly greatful to you. Elizabeth & Bob Pabst
Thank you and your staff for all your hard work. We found your staff to be professional and friendly. We will definitely be recommending you to others. Thomas & Donna Walsh
We just want to say Thank You for all of your help regarding the recent purchase of our new home in Pollock Pines. With the short sale that we experienced only two months ago, we are most greatful for how smooth this transaction went. You did not make promises that you could not keep, but you kept us hopeful throughout the process. We appreciate your honesty, integrity and professionalism throughout. You and your staff were very friendly and efficient and exceeded our expectations. Please mail me a few of your business cards as I will gladly share you with family and friends. Gary & Kathleen
This is a much belated thanks for everything you did in helping us secure funding for the purchase of our first home. We appreciate your wealth of expertise, your helpfulness at every step of the process, and your cordial and stress reducing manner. We really love the house and the area, and we are not sure we would be here if not for your assistance. We will certainly call upon you in the future as well as recommend you to our family and friends. Ken & Patti Storrs
I want to thank you for helping us to get our house, with all the people we dealt with you were the best. You kept us notified and worked very hard for us, doing what was best for us. We will always recommend you to people we talk with and we will think of you when we refinance. Traci & Rick Williams
Thank you so much for all of your hard work. Our family loves our new house and it's all due to you and your team! Kevin & Kim Carey
I was impressed by the level of professionalism you demonstrated in handling your end. Looking forward to working with you again on future transactions. Lynn Poelman Lyon Real Estate
Just a note to say thank you again for your prompt, professional and courteous handling of our refinance. We really appreciated your efforts and will refer you to anyone with "lending needs. John & Linda Silvera
Dennis , when I closed on my house you did something wonderful for so many ! I will always remember how fast you were and how easy you made for me . I can trust you, and know you have my best interest in mind . Thank you for making dreams come true!!!!! Casey Davis
I went to Dennis W. Amaral to help me obtain a home purchase loan in Roseville, Ca. He did an amazing job of finding me the best rate and program. I'd recommend him to anyone looking for a purchase loan, refinance, or a reverse mortgage. Amber C.
Dennis helped my husband and I get a purchase loan for our first home purchase. His attention to detail, his service, communication, were marvelous. He also got us the best rate we could have hoped for. We went back to him several years later when we sold our home in Fair Oaks and he helped us with another purchase loan in Cameron Park, Ca. Great service, great rate, fantastic experience. Ashley & Colby C.
I am retired, and my husband passed away so my income was cut quite a bit. I was basically living month to month and needed help. Dennis W. Amaral discussed a reverse mortgage with me. Initially I was skeptical and adverse to the concept but Dennis walked me through it. I eliminated my monthly mortgage payment which increased my cash flow accordingly. The wonderful thing is that even though interest is charged but put to the end of the loan the appreciation of my houses value has gone up so much that it more than offsets the interest. As Dennis explained to me my equity has not gone down ... its actually gone up! Great experience, it changed my life for the positive. Janet M.
I am a single woman who owns my home. Unfortunately I became ill and as a result I have to take medication that costs nearly $900 a month and my insurance won't cover it. I talked to my friend who did a reverse mortgage with Dennis and she loved it. I talked to Dennis and he worked to get my reverse mortgage approved. Now I have money to pay for my medicine by having no house payment and money left over. Great experience. Val S.
I was going through a divorce and needed to take cash out of our home to pay my ex off. Dennis stepped into a messy situation between me and my ex and worked his magic. The cash out refinance closed in 30 days with a great rate. I'd recommend him to anyone. Toni C.
I am a real estate agent and had the opportunity to work with Dennis through one of my buyers who has used him for their loans for years. Dennis communicated the entire process and I never had to wonder what was going on. It closed early and was a very smooth transaction. I would recommend Dennis to anyone looking to buy or refinance. Brianne W.
Dennis and his team were a blessing to us for the third time! Thanks so much! Lydia S.
Dear Dennis. Working with you made the process of buying our first home so easy! You were so attentive and supportive. We very much appreciated working with you and will be sure to spread the word to everyone we know. Thank you. Ian & Heather Beckham
Thank you are only two little words, but they come from the heart with such gratitude that we hope somehow you can understand what a wonderful thing you have done for us! Buying a new home is one of the biggest decisions a family makes in their life and you made it a wonderful experience. Thank you! The Janowiak Family
I am writing to thank you for all of your assistance we received from you, and your staff, in the recent completion of the purchase of our new home. We felt that your work was prompt and professional, and helped us obtain and complete the mortgage on our new home in a timely fashion. We would highly recommend you to anyone that is in the market for a mortgage. Rod Farley
It is always such a pleasure doing business with you. Your professionalism is greatly appreciated. Cheryl Webb Great West GMAC Real Estate
We would like to say that we found you so very professional and knowledgeable. If we do ever find ourselves willing and able to relocate to the Sacramento area, we will definately be in contact with you. We will also refer anyone we know that may require your service. Ron & Jeanne Baldwin
We are so glad Stuart introduced us to you, it is not every day a person has a chance to do business with someone of your professionalism. We will always be greatful for your services. Ralph & Del Maszk
We just wanted to thank you for all your help in arranging our construction / permanent loans. We truly appreciated your patience in answering all our questions and helping us throughout this most challenging process. Karin Kiessling & Brett Testaguzza
We want to say that you made the process easy, simple and fast. We couldn't believe how quickly and smoothly everything went. Anita was just remarking the other day at how we started the process at the end of August and at the end of September we closed on the house!! Amazing! We will definately use you again for any future transactions and if any of our friends decide to move up here, we will refer them to you. Steven and Anita Tong
Our thanks to you for helping Bob and I live in our Dream House on this lovely Shooting Star Road ... we are truly greatful to you. Elizabeth & Bob Pabst
Thank you and your staff for all your hard work. We found your staff to be professional and friendly. We will definitely be recommending you to others. Thomas & Donna Walsh
We just want to say Thank You for all of your help regarding the recent purchase of our new home in Pollock Pines. With the short sale that we experienced only two months ago, we are most greatful for how smooth this transaction went. You did not make promises that you could not keep, but you kept us hopeful throughout the process. We appreciate your honesty, integrity and professionalism throughout. You and your staff were very friendly and efficient and exceeded our expectations. Please mail me a few of your business cards as I will gladly share you with family and friends. Gary & Kathleen
This is a much belated thanks for everything you did in helping us secure funding for the purchase of our first home. We appreciate your wealth of expertise, your helpfulness at every step of the process, and your cordial and stress reducing manner. We really love the house and the area, and we are not sure we would be here if not for your assistance. We will certainly call upon you in the future as well as recommend you to our family and friends. Ken & Patti Storrs
I want to thank you for helping us to get our house, with all the people we dealt with you were the best. You kept us notified and worked very hard for us, doing what was best for us. We will always recommend you to people we talk with and we will think of you when we refinance. Traci & Rick Williams
Thank you so much for all of your hard work. Our family loves our new house and it's all due to you and your team! Kevin & Kim Carey
I was impressed by the level of professionalism you demonstrated in handling your end. Looking forward to working with you again on future transactions. Lynn Poelman Lyon Real Estate

Dennis AmaralDavis & Amaral Mortgage Consultants, Inc.

Direct 530-308-3036530-308-3036
1212 Suncast Lane, Suite 1
El Dorado Hills, CA 95762
Dennis4HomeLoans@gmail.com
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BRE License #  01193140
NMLS # 284276

Davis & Amaral Mortgage Consultants Inc. BBB Business Review

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