Get in Touch!

818 University Ave
Sacramento, CA 95825

Phone: (916) 736-3575
Fax: (916) 244-2697
Email: neal.smith@pcmloan.com

A few times a month, we send out useful articles and information to our clients and business partners. We would love to include you!

About us

NKS. Financial was created in February of 2002 by Neal Smith out of his home. One year later we moved to our previous location on the corner of 49th and J Street. After 10 years, we moved to our beautiful current location at 818 University Ave. At NKS Financial we pride ourselves on our excellent customer service. Everything we do here is because we CARE! We understand that purchasing and refinancing residential property can be a very stressful process. So our goal is to mitigate as much of that stress as possible.

IMG_0448 Neal Smith is the branch manager of NKS Financial and our team leader. Neal earned a degree in Real Estate Finance and has been a successful loan officer since 1992. He is a long time Sacramento resident; growing up in Carmichael and attending Jesuit High School. Neal has developed a successful mortgage practice where he prides himself on providing a unique lending experience for his clients by putting together a highly motivated and dedicated team. His business is 100% by referral, due to the strong relationships he has grown and maintained with his clients and business partners.


KarenKaren Goerlitz works closely with all of our lenders, ensuring that your loan application is handled with great attention and expertise. Karen has been working in the industry for 25 years. Her dedication to our clients ensures that you will be kept informed, confident and well associated with our company.


Kirsten KassapianKirsten Kassapian is the newest addition to our team here at NKS and is responsible for updating and maintaining the NKS social media platforms. She will also be assisting Neal and Karen in guiding our clients through the loan process, ensuring an incredible and successful home buying or refinancing experience.