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Thanks for reaching out

I know you have a lot of options when it comes to home loans, and I appreciate you contacting me. I'll review your information and reach out to you as soon as possible.

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Hi, I'm Al and I'm a Bank of America lending specialist here to help with your home loan needs.

On this page, you'll find tools and resources to help you understand your home loan options. While you're browsing, my website will help guide and refer you to informative content, ensuring you're having the best experience possible.

Let's work together
Ravinesh Kumar

Ravinesh Kumar

Financial Center Lending Officer NMLS ID: 1579964

8842 Calvine Rd, Sacramento, CA 95828
Ravinesh Kumar

Ravinesh Kumar

Financial Center Lending Officer NMLS ID: 1579964

8842 Calvine Rd, Sacramento, CA 95828
Call me today

I'm Ravinesh, your local Sacramento Financial Center Lending Officer helping families finance their homes. Fall is the season of change and a good time to prepare for holiday spending. If you're thinking about buying a home, refinancing your current one or applying for a home equity line of credit, I'm here to help you explore your options. Don't hesitate to contact me if you have any questions or want to get the process started.

Get started

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Easy-to-use calculators

These mortgage calculators may be able to help you understand how much you can borrow or what costs may come up along the way.

I'm here for you

As a Bank of America Lending Specialist, I want to make sure that we find the right home loan for you.

These resources can help you learn about each step of the home loan process, whether you're looking for a home, hoping to refinance or interested in accessing your home's equity. If you have any questions, feel free to reach out to me at any time.

Better Money Habits®

Build your financial knowledge with educational videos and articles on common home loan topics.
Explore Better Money Habits

Real Estate Center®

Find your future home by city and state or ZIP code.
Search now on the Real Estate Center

Home loan resources

Understand the ins and outs of homeownership, when to refinance and how to use your home equity.
Read more about Home Loan Resources

Down Payment Resources

Search for down payment help in your area.
Learn more about the Down Payment Resource Center

Help where you
need it

Home Loan Navigator™

When you apply for a home loan with me, the Bank of America Home Loan Navigator can help you track your loan status and more.
Watch video on Home Loan Navigator

Preferred Rewards

If you're a Bank of America client, you could qualify for a $200–$600 reduction in your home purchase or refinance loan origination fee, based upon your eligible balances at the time of your application.Footnote 1
Learn more about Preferred Rewards

Online and Mobile BankingFootnote 2

It's easy to manage your Bank of America home loan account with secure access from your laptop, tablet or smartphone.
Find out more about Online and Mobile Banking