We are a mortgage broker located in San Rafael, Ca offering a wide array of home loan products including Conventional (Fannie, Freddie), FHA, VA and non-conforming loans (jumbo). We have relationships with over 40 lenders which gives us the flexibility to meet your individual financing needs which often differs dramatically from one consumer to another.
We prefer to get to know the customer and come up with proper solutions that fits your unique situation. You have questions, we have answers. Give us a call any time with any question at (415) 529-5056. If you're looking to get pre-qualified for a home purchase, or would like to explore options to refinance an existing mortgage, please give us a call.
In-person, Zoom or telephone consultations are all available. Take advantage of today's historically low rates, a lower payment can provide security in uncertain times. If your house has increased in value, you can use that equity to get cash-out, for whatever you need! In Translation: Carry is a term often used in investing to refer to positive and negative attributes of an asset.
We prefer to get to know the customer and come up with proper solutions that fits your unique situation. You have questions, we have answers. Give us a call any time with any question at (415) 529-5056. If you're looking to get pre-qualified for a home purchase, or would like to explore options to refinance an existing mortgage, please give us a call.
In-person, Zoom or telephone consultations are all available. Take advantage of today's historically low rates, a lower payment can provide security in uncertain times. If your house has increased in value, you can use that equity to get cash-out, for whatever you need! In Translation: Carry is a term often used in investing to refer to positive and negative attributes of an asset.
Services
At Americas Home Loans, we treat each customer as an individual, not a number.
We don't place you into a loan profile formula created by the banking industry.
We use "common sense" and will help you obtain the best loan possible.
We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We work with more than 100 investors.
This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial.
We don't place you into a loan profile formula created by the banking industry.
We use "common sense" and will help you obtain the best loan possible.
We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We work with more than 100 investors.
This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial.
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Americas Home Loans, we are dedicated to finding the loan that fits your individual needs.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Americas Home Loans, we are dedicated to finding the loan that fits your individual needs.
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history.
The lender will request a credit report from a credit agency and will verify the information provided in your loan application.
Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
401k or 403b program.
W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment.
Homeowner's association information with contact information if property is a condo or part of a homeowner's association.
The lender will request a credit report from a credit agency and will verify the information provided in your loan application.
Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
401k or 403b program.
W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment.
Homeowner's association information with contact information if property is a condo or part of a homeowner's association.
FHA might be just what you need.
Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan.
Available on 1-4 unit properties.
FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan.
Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.
Are you 62 or older?
Do you live in your home?
Do you own it outright or have a low loan balance?
Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan.
Available on 1-4 unit properties.
FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan.
Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.
Are you 62 or older?
Do you live in your home?
Do you own it outright or have a low loan balance?
The VA mortgage loans are one of the best and safest methods to use when buying a home.
Now even active duty personnel can qualify.
If you are a Disabled Veteran, you may qualify for additional benefits on a VA home mortgage loan.
The VA Home Mortgage Program does not limit the number of times a veteran may use the program.
The VA mortgage loans extend to not only the Army, Navy, Air Force and Marines but also to Reservists and National Guardsmen.
The Veterans Benefit Act, signed recently increased the VA loan limit to $417,000 for a loan with no money down.
Now even active duty personnel can qualify.
If you are a Disabled Veteran, you may qualify for additional benefits on a VA home mortgage loan.
The VA Home Mortgage Program does not limit the number of times a veteran may use the program.
The VA mortgage loans extend to not only the Army, Navy, Air Force and Marines but also to Reservists and National Guardsmen.
The Veterans Benefit Act, signed recently increased the VA loan limit to $417,000 for a loan with no money down.
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