Roseville · Placer, Sacramento & El Dorado County
The go-to mortgage expert for Placer and the surrounding counties.
Data-driven approvals and true-cost analysis. Aaron Knutson's approach to the home-buying process isn't like anyone else's — he's called "The Refi Guy" for a reason, and his process covers every angle on saving money on your home.
A-rated on BBB · 42+ Yelp reviews · Serving Placer, Sacramento & El Dorado since 2010
Closes in as few as 7 days
Founder of HiddenHomeCost.com — parcel-level taxes, Mello-Roos and insurance, before you make an offer
Get your free real-time data + expert mortgage analysis
What are you here to do?
The founder
Who is Aaron Knutson?
Aaron Knutson opened Cali Mortgage in 2010 to do mortgage lending the right way — pick up the phone, explain every number, and close on time. He is also the founder of HiddenHomeCost.com, which reads parcel-level records for an address and shows what owning it actually costs once property tax, Mello-Roos, insurance and utilities are counted. That is why a conversation with him starts from the county's own data rather than a national average. Most of his business is referrals and repeat clients.
Why work with a broker instead of a bank?
A broker shops your loan across lenders; a bank sells you the one product it has. You get more options and someone who works for you — start to finish.
In their words.
Aaron and his team not only reviewed and explained the loan to our clients but kept me updated through the entire process — even after hours.
— Verified client · attribution pending review
Extremely knowledgeable, explains each aspect of the process, and finds creative solutions. Detail-oriented, professional, and thorough.
— Verified client · attribution pending review
Reviewer names and star ratings are being verified for FTC-compliant attribution before they publish.
Get your appraisal fee waived on your first purchase.
Join the list — one email, and Aaron will let you know when it's the right time to move.
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