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Manuel Tobias - updated photo cropped

Manuel Tobias

Broker Associate
NMLS#: 32940 DRE#:01494428

Phone: (916) 949-9637
tobias@loancitymortgage.com

Hello, welcome to my page.

For over 20 years, Manuel Tobias has served families in the Greater Sacramento and Placer County area with their real estate and mortgage needs. That experience has given him the tools to adequately consult & guide his clients on the biggest purchase they will ever make, while developing a special bond along the way.   Manuel was born in El Salvador and immigrated to the United States with his family at the age of 8.  He grew up in Lodi, CA and moved to the Sacramento area in 1997.  The most important things in his life are his 2 daughters, Sydney and Savanna, followed by the career he’s built in Real Estate. His hobbies include, traveling, summer and winter activities, including, hiking, running, being on the water and snowboarding.  Manuel’s main focus within his work life is to build a company where the culture is built around taking care of people.  As he puts it, “We want to work in an environment where people walk away from a transaction feeling as if they were treated like family.

Our Loan Process

1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

Start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation in the loan package.

6: Closing

Documents are drawn and sent to the title company for closing.

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