Buying a home is a big deal! Making sure it fits your budget and your family is important. When PGS Home Loans was created, the goal was simple; changing people's lives by helping them become homeowners. We focus on educating people on the home buying and home loan process and how owning a home can benefit them financially. We are a boutique mortgage brokerage firm helping clients all over the great state of California.
We love what we do and strive to make the home loan process smooth, efficient and as enjoyable as possible. The home buying process is already stressful, your loan shouldn't be. Josh Jelsing founded PGS Home Loans to provide a better way for people to obtain home financing. With the intent of creating the best lending company, Josh envisioned a process where the customer comes first.
Our home loan experts are dedicated to providing quality mortgage services to our clients. They commit themselves to excellence, doing the right thing, providing outstanding communication and showing people we care.
We love what we do and strive to make the home loan process smooth, efficient and as enjoyable as possible. The home buying process is already stressful, your loan shouldn't be. Josh Jelsing founded PGS Home Loans to provide a better way for people to obtain home financing. With the intent of creating the best lending company, Josh envisioned a process where the customer comes first.
Our home loan experts are dedicated to providing quality mortgage services to our clients. They commit themselves to excellence, doing the right thing, providing outstanding communication and showing people we care.
Services
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them.
Luckily we're here to help you choose the best type of home loan for your needs.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-i.
Luckily we're here to help you choose the best type of home loan for your needs.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-i.
The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
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