"Got us closed in record time! Quick, informative, helpful and there every step of the way."
Rocklin, California · NMLS #1713957
Home loans, guided by someone who actually picks up the phone.
I'm Aaron Pullano, a California loan officer with Capitol Direct Lending. I handle your file personally — from the first conversation to the closing table. No call centers, no hand-offs, no surprises.
5.0 ★
7 verified Zillow reviews
10 yrs
In mortgage lending
CA
Licensed originator
8
Loan programs offered
Aaron Pullano
Every file, personally reviewed — from application to closing day.
Based in Rocklin — proudly serving Sacramento, Placer, Nevada, El Dorado, Butte & Sierra Counties, and licensed to help buyers anywhere in California.
Buying a home
Purchase
Pre-approval, loan strategy, and clear next steps — so you can shop with confidence and make offers that get taken seriously.
Start my purchase
Already own?
Refinance
Lower your rate, shorten your term, or pull cash out for what's next. We'll run the numbers honestly before you commit to anything.
See if refinancing pays offLoan programs
Whatever kind of loan fits, I originate it.
Conventional, government-backed, jumbo, reverse, or commercial — eight programs, one point of contact.
Conventional & Fixed-Rate
The standard for strong credit and steady, predictable payments.
Learn moreAdjustable-Rate (ARM)
A lower start rate for buyers who plan to move or refinance later.
Learn moreVA Loans
Zero-down financing built for veterans, service members, and spouses.
Learn moreFHA Loans
Lower down payments and flexible credit — a favorite for first-timers.
Learn moreUSDA Loans
100% financing for eligible rural and suburban properties.
Learn moreJumbo Loans
Financing above conforming limits for higher-value properties.
Learn moreReverse Mortgage
Turn home equity into income for homeowners 62 and older.
Learn moreCommercial Loans
Financing for investment, mixed-use, and commercial properties.
Learn moreQuick estimate
See a payment number in ten seconds.
Adjust the numbers to get a rough monthly payment. It won't account for taxes, insurance, or your specific rate — that's what the call is for — but it's a fast way to start.
See all 4 calculatorsTypical for less than 20% down. We'll estimate a starting number — Aaron can quote the real figure for your loan.
Estimated monthly payment (P&I)
$0
Loan amount$0
Principal & interest$0
Property tax$0
Homeowners insurance$0
Mortgage insurance$0
Why work with Aaron
Mortgage advice that stays honest when the easy answer isn't the right one.
Direct access, every time
You call, you get Aaron — not a call center or a rotating loan team. I'm the one reading your file.
Honest numbers, first
If refinancing or a certain loan type doesn't actually help you, I'll tell you before you apply — not after.
10 years, every loan type
Conventional, government-backed, jumbo, reverse, and commercial — I don't hand you off when a program gets complex.
Real clients, real reviews
7 verified reviews, 5.0 average, on Zillow — not testimonials I picked and edited myself.
Client reviews
What it's actually like to work with Aaron.
"I highly recommend Aaron for any of your lending needs. He answered all of our questions and walked us thru the whole process. Our refinance was quick, easy, and painless."
"Aaron Pullano not only helped me purchase my first home, he pre-qualified me for my loan and left me with the house of my dreams. Stress-free and I really enjoyed the process."
About Aaron
A decade in mortgage lending, spent learning that clear beats clever.
Based in Rocklin, I specialize in government-backed and first-time homebuyer programs — VA, FHA, and USDA — alongside conventional and non-QM financing. My approach is simple: understand your actual goals, lay out real options, and make the process as smooth as it can be.
Read Aaron's story
Ready to see real numbers on your situation?
No obligation, no pressure — just a straight answer on what you'd qualify for and what it would cost.