Connect with Cindy, who will review your loan programs and guide you throughout the process.
From Conventional, FHA, VA, Refinance, Home Equity, USDA, and other options, Cindy can help you navigate all your loan alternatives.
Cindy and her team of professional staff are here to provide you with excellence in customer service from application to close.
Welcome! I'm Cindy Tomlinson, loan officer and mortgage professional based in Redding, California. With assistance from my mortgage team, I offer a full range of home financing refinancing options, customized to meet your unique needs and goals. I specialize in conventional fixed-rate home loans in Redding and serve the surrounding cities of Shasta County as well. Whether you are buying a home or refinancing in any of these zip codes: 96002, 96001, 96003, my team and I can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
In terms of Purchase Loan programs, I offer the following:
I have a wide range of refinancing options, designed to meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, I can assist you.
I offer the following Refinancing Programs:
I work hard to help as many people as possible. That's why I'm proud to offer these home loan niche programs: GSFA Down Payment Assistance Program, STaR Program for first responders and teachers, MCC Mortgage Credit Certificate, VA/CalVet, CalHFA, USDA, Second Mortgages, Reverse Mortgages, Second Home Loans, Investment Home Loans, HELOC, Cash-Out Refinancing. Home Equity Loans, and H.E.C.M.
Contact me, Cindy Tomlinson, today to discuss your mortgage loan options, and find out which loan program may suit your needs, and why I am Redding's premier mortgage professional!
Thank you to everyone who voted US Lending the Best Mortgage Lender in the North State 2018!
She is amazing & it's no wonder why she is known in the area as "the best".
– Ted A.
Unbelievable Experience. Cindy T. is extremely good at what she does, I couldn't be more pleased!!
– Mark D.
" I was very impressed every step of the way, and have bought several homes prior. This was the easiest - in a stressful post-Carr Fire time! Thank you!
– Renee R.
Very positive experience. Everyone was friendly & very helpful.
– Daniel C.
Working with Cindy, her team and Sherri Bradley was a wonderful and stress free transaction. Highly recommend all involved.
– Tina S.
"Wow what an overall great experience with Cindy & the whole loan process. Above & beyond all expectations. She is a TRUE professional..."
– Andy M.
"This was the most efficient loan process we have ever gone through."
"Cindy @ US Lending is very personable, knowledgeable and so very easy to work with! She made the whole process quick, easy and painless!
– Norita F.
Thank you for helping us buy our dream house!
– Spencer S.
Cindy was amazing to work with. She answered our questions and explained the process to us. Working with Cindy made the process of purchasing our first home a reality. Thank you!
– Michael W.
Outstanding service! Thank you!
– Danielle B.
Cindy and her team were phenomenal to work with and got our loan closed a week early! Thank you!
Thank you Cindy! You were the best we've ever worked with!
– Kevin B.
Cindy is the best loan officer I ever had to work with. She was on top of everything.
Fantastic Experience! Thank you.
– Forrest E.
Thanks for an amazing pain-free experience. We appreciate what you did for us!
– Michael G.
"Thank you so much Cindy & Team, you gave Will & I confidence and so much help. I don't know what we would have done without you! We love our new home and appreciate all your efforts to get us here!
"We are beyond pleased, Thank you!"
– Russ and Kristie
"Cindy and her Team were FANTASTIC!"
"You have a dream team"
"Awesome service! Thank you so much for everything!"
"As a former real estate broker, I have dealt with many lenders, loan officers; Cindy ranks among the most able."
"My husband and I like working with Cindy. We have done three loans with her, and will continue to have her help us in the future."
"This is our 2nd loan with Cindy. She is really good at what she does."
"Because of our need to close as quickly as possible to minimize the amount of time between [selling and purchasing a new home], Cindy Tomlinson really went the "extra mile" to complete the mortgage requirements [for our loan]. You certainly have an exceptional loan officer in Cindy."
"Cindy exceeded our expectations! We loved working with her on our first home loan."
"Cindy went above and beyond. She helped improve my credit with suggestions and answered the phone on a holiday. Great service!!!"
"Cindy did a great job for us. She was helpful, confident, courteous and all around super gal."
– John W.
"Cindy took a stressful situation and worked the problem above and beyond what I expected. On top of being extremely professional she was excellent to work with as was the entire staff. She was very helpful and caring and has a great sense of humor too. (not sure if that matters but it did to me) I will send anyone who asks to US Lending and in particular, Cindy. She's amazing!!!"
"Cindy and US Lending made obtaining our home loan extremely simple. We will never use anyone else! This was our second loan with Cindy, Thank you!"
– Dave & Deb
"We purchased two homes within two years & used Cindy for both transactions. She met our needs coupled with her team as US Lending, Redding office. She is the Best!"
"Couldn't have asked for anything more. Cindy went above and beyond in an extreme time crunch."
"Thanks so much for making the Loan Process the most trouble free and pleasant experience we have ever had."
"Cindy was great! I work the grave shift and am not reachable by phone during most of the business day. She made an extra effort to stay in touch and get me where I needed to be and when! I truly believe I would not be filling out this survey in my new kitchen without her diligence! Thank you!
"Thank you for your great service. If at any time a friend is thinking of a new home purchase we will recommend your service."
– Martin C.
"This is my second time working with Cindy and I would work with her again without hesitation. She continues to exceed my expectations. I would rate 10's if I could!"
"We had an incredible building process using Cindy at US Lending. We have and will continue to recommend her. Thank you for all of your help and dedication to help our family build our dream home."
"Cindy and the team were amazing- we did a 17 day escrow!"
"Cindy was excellent - this was a difficult project and she was great and very much on top of all the issues, AND VERY PLEASANT!"
"Fantastic Team Effort! Cindy and her team were above anything I could have asked for. It was easier to work with Cindy than it was to find my new home. Thanks for it!"
"Cindy explained things so well that she actually helped us change our mortgage options to suit our family better than another leading bank. Basically, she rocks! Thanks Cindy!"
"Cindy is outstanding. She worked very hard for us and went out of her way to make sure our refinance was speedy and painless."
"Cindy Tomlinson and her team were the best lending people I have ever had the pleasure to work with and I was an Escrow Officer for 25 yrs. Great job team!"
"We always trust Cindy. She does an amazing job. This is our fourth loan thru her and if we need another, it will be Cindy as our #1 choice. Thanks."
"Cindy was the ONLY loan officer who knew and understood what a PUD was and how to do a VA loan for a PUD. Thank you, Cindy!"
– Carl W.
Take a few moments to crunch some numbers. Here are some easy-to-use calculators so you can compare mortgage payments, visualize what you can afford and see if refinancing makes sense.