Whether you are buying your first home, or re-financing your existing one, shopping for a mortgage can be a daunting task. We get it. We've been in East Bay real estate lending for 20+ years and know all the ins and outs of the process. Let us help take the guess work out and help land you the loan that exactly fits your needs. One of our friendly, qualified mortgage experts are here to support you through the process.
Leverage the equity in your home toward improvements, taking a vacation, or simply getting your loan paid off faster.
Leverage the equity in your home toward improvements, taking a vacation, or simply getting your loan paid off faster.
Services
Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
Do you have a question?
We can help.
We guarantee your privacy.
By checking the box, you agree that Team Funding Group may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.
Message/data rates may apply.
Do you have a question?
We can help.
We guarantee your privacy.
By checking the box, you agree that Team Funding Group may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.
Message/data rates may apply.
Make no mistake, there's quite a lot involved when you get a mortgage loan.
You wouldn't be looking up loan information if it were possible to get a loan in a single day by filling out a simple application.
But Team Funding Group does the heavy lifting so you can concentrate on your life rather than the mortgage loan.
This is a function of a couple things.
How much of a monthly payment can you afford?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
You wouldn't be looking up loan information if it were possible to get a loan in a single day by filling out a simple application.
But Team Funding Group does the heavy lifting so you can concentrate on your life rather than the mortgage loan.
This is a function of a couple things.
How much of a monthly payment can you afford?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
Compare Rates - See how changes in your rate affect your payment for a given principal and term.
Balloon Payment - A balloon mortgage can reduce your monthly payments but may require refinancing at the end of the term.
Interest Only - Compare monthly payment amounts for an interest-only mortgage and a principal-interest mortgage.
Adjustable Rate Mortgages - Determine monthly payments and the effective interest rate (APR) for an ARM.
Mortgage Qualifier - Find out if you qualify for a given mortgage and just how much you can afford, then create an amortization schedule.
Balloon Payment - A balloon mortgage can reduce your monthly payments but may require refinancing at the end of the term.
Interest Only - Compare monthly payment amounts for an interest-only mortgage and a principal-interest mortgage.
Adjustable Rate Mortgages - Determine monthly payments and the effective interest rate (APR) for an ARM.
Mortgage Qualifier - Find out if you qualify for a given mortgage and just how much you can afford, then create an amortization schedule.
It's valuable to consult with your mortgage loan professional as soon as possible - even before you have started narrowing down neighborhoods.
What for?
If you don't yet know how much home you want to qualify for, what could we help you with?
We will help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified.
We can do this by considering your debts and income, your employment and residence situations, the funds available for down payment, required reserves, and some other things.
What for?
If you don't yet know how much home you want to qualify for, what could we help you with?
We will help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified.
We can do this by considering your debts and income, your employment and residence situations, the funds available for down payment, required reserves, and some other things.
Your ratio of debt to income is a formula lenders use to calculate how much money can be used for a monthly mortgage payment after all your other recurring debt obligations are fulfilled.
For the most part, underwriting for conventional mortgages requires a qualifying ratio of 28/36.
FHA loans are a little less restrictive, requiring a 29/41 ratio.
The first number in a qualifying ratio is the maximum amount (as a percentage) of gross monthly income that can be spent on housing (including mortgage principal and interest, private mortgage insurance, hazard insurance, taxes, and homeowners' association dues).
For the most part, underwriting for conventional mortgages requires a qualifying ratio of 28/36.
FHA loans are a little less restrictive, requiring a 29/41 ratio.
The first number in a qualifying ratio is the maximum amount (as a percentage) of gross monthly income that can be spent on housing (including mortgage principal and interest, private mortgage insurance, hazard insurance, taxes, and homeowners' association dues).
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